Bharat’s Managing MSMEs By B.D. Chatterjee 2nd March 2026

Bharat’s Managing MSMEs By B.D. Chatterjee 2nd March 2026

About The Book

This book has been written to bridge that gap.
Managing MSMEs – (Handbook for Entrepreneurs & Corporate Mitras) is designed as a practical, end-to-end guide for MSME promoters, CFOs, senior managers, advisors, bankers, and policy professionals who work closely with this sector. The term Corporate Mitras is used deliberately — it reflects the spirit of partnership, guidance, and handholding that MSMEs often need from the professionals, especially during critical transition phases. The book does not approach MSMEs from a purely theoretical, regulatory, or valuation-driven lens. Instead, it focuses on how MSMEs should actually function, where they falter, and what pragmatic steps can help them become resilient institutions.

Content of the Book

PART I – BUILD THE FOUNDATION

1       Creating and Managing MSMES: An Introduction

2       MSME Business Models, Operating Structures, and Incorporation of Legal Entity

3       Government Policy Architecture and Support Ecosystem for MSMEs in India

4       Building the Strategy

5       Setting up a Business Plan for MSMEs

6       Funding Plan

7       Setting up The Capital Structure (MSME Private Limited Companies – India)

8       Setting up A Dedicated Team

9       Set up Simple and Effective Business Processes

10     Create Enterprise Systems

PART II – STRENGTHEN AND PROTECT

11     Working Capital & Liquidity Management for MSMEs

12     Cost Management & Profitability Optimization for MSMEs

13     Risk Management, Internal Controls & Governance for MSMEs

14     Compliance, Governance & Regulatory Readiness (MSME Context)

15     How Banks Evaluate MSMEs: Credit, Covenants & Funding Readiness

PART III-  SCALE & CREATE VALUE

16     Scaling the MSME: Growth, Multi-Location & Complexity

17     Valuation, Investor Readiness & Exit Thinking

18     Distress, Turnaround & Business Continuity

PART IV – SUSTAIN, INSTITUTIONALISE & FUTURE-PROOF

19     Promoter Mindset Shift: From Owner-Driven to Institution-Driven MSME

20     The Future-Ready MSME

21     Case Studies

Appendices and Practical Toolkits

Appendix A1       MSME Financial Health Best Practices Checklist

Appendix A2       Bank Loan Readiness Checklist for MSMEs

Appendix A3       CMA Data Templates – MSME Credit Appraisal

Appendix A4       MSME Working Capital Diagnostic

Appendix A5       MSME Compliance Calendar

Appendix A5(a)   MSME Month-Wise Compliance Calendar (April – March)

Appendix A5(b)   One-Page MSME Compliance Dashboard

Appendix A6       MSME Risk Register & Integrated Risk Heatmap

Appendix A7       MSME Internal Control Checklist (Process-Wise)

Appendix A8       MSME Turnaround & Distress Early Warning System (EWS)

Appendix A9       MSME Monthly MIS & Dashboard Framework

Appendix A10     MSME 100-Point Health Diagnostic

About The Author

B D Chatterjee is a finance leader with CA, CMA, CS and Dip IFR (UK) qualifications having 35 Years rich experience in overall business and finance function.

He possesses expertise in CFO solutions having specialization in areas which include commercial accounting and audit, management accounting and MIS, developing budget and business plan and implementing budgetary control, business strategy and structuring and business valuation, financial management and debt syndication through banks and financial institutions.