Pre – Budget Quote by Manish Lunia – Co Founder of

“MSME sector has been the backbone of the Indian economy with over ~30-40% contribution to GDP despite social, logistical and, resource-based challenges. The Indian businessman has battled the woes of Demonetization, GST implementation, Banking Crisis and Credit crunch, etc. in the past 5 years and pessimism around the system is under-represented, if at all.

The Budget 2020 should make efforts to empower the growth of MSMEs by providing them access to required credit with the help of supporting financial institutions with encouragement on data, credit guarantee, and easy documentation for availing finance along with expanding prospects of business across Sectors. Incentivization on using digital adoption by MSMEs will also be a stronger requirement while easing compliance around the same.” 

About Manish Lunia

Manish Lunia is the Co-Founder @, one of India’s leading technology-based online lending platform started that with an endeavour to solve the problems that small businesses face in accessing quick, flexible and adequate funds for growing their businesses. The team’s vision is to give the cash-starved SME and MSME sector, ‘financial access at a click’. Manish handles the Credit underwriting and Risk management, Collections, Legal and Secretarial matters and Human resources portfolios at

With over 16+ years of experience across wide range of Financial services ( Lending, Broking, Wealth Management), Mergers and Acquisitions and Telecom, Manish has worked with some of the most formidable brands in the financial services industry in India. As a part of the CEO’s office at the young NBFC of Aditya Birla Group, he had contributed significantly in the journey from a loan book of INR 500 crore in 2010 to INR 55,000 crore today. At Aditya Birla, Manish was responsible forstrategy, mergers and acquisition initiatives, structured finance and fund raising.  Prior to Aditya Birla, Manish has also worked with Tata Teleservices as the Circle- Head for Finance and Oil Major Bharat Petroleum with the CFO’s office.

Manish contributes a significant amount of his time and efforts by participating in various representations towards the development and advancement of the fintech industry in India. He is a co-chair for Fintech at FICCI and is the Membership Chair for Digital lenders association of India (DLAI). Manish has been rewarded with several leadership awards throughout his career and was one of the fastest rising professionals at the Aditya Birla Group.

Manish also has a very active lifestyle and takes a keen interest in cultural and sporting events including Cricket, Table tennis and Cycling. He is an ardent follower of the Fintech ecosystem around the world. He is keen interested in contributing to the start-up ecosystem and Human resource domain amongst other things.

Manish is a Rank holder Chartered Accountant(ICAI), Dean’s Lister MBA from Indian School of Business (ISB- Hyderabad) and a Master of Commerce degree holder in the field of Accounting and Statistics.

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