Udyam Advantage: Gateway to Growth

Date: 12th July 2025

Organized by: Early Grow Advisory Services Pvt. Ltd.

Speakers:

• Ashok Jha, MSME Policy Expert
• CA H.K. Gupta, Financial Advisor and Industry Mentor
• CA Sunil Aggarwal, Entrepreneur and Business Growth Strategist

1. Introduction

The webinar “Udyam Advantage: Gateway to Growth” was organized on 12th July 2025 by Early Grow Advisory Services Pvt. Ltd., with the objective of educating micro, small, and medium enterprises (MSMEs) about the strategic benefits of Udyam Registration. The event witnessed enthusiastic participation from MSME owners, entrepreneurs, startup founders, and financial consultants from across the country.

The expert panel comprising Ashok Jha, H.K. Gupta, and Sunil Aggarwal shared deep insights on the importance of formalizing businesses under the Udyam framework and how it can unlock access to various government schemes, financial incentives, and global market opportunities.

2. Key Highlights of the Webinar

🔹 What is Udyam Registration?

Ashok Jha initiated the session with an overview of Udyam Registration, a simplified, paperless government portal introduced in July 2020 to classify and certify MSMEs. It replaces the earlier Udyog Aadhaar system and helps in transparent recognition of eligible enterprises under the MSMED Act, 2006. Udyam Registration assigns a unique Udyam Registration Number (URN), which enables MSMEs to avail numerous central and state-level benefits.

3. Benefits of Udyam Registration – In-Depth Discussion

✅ 1. Access to Government Schemes and Subsidies

H.K. Gupta detailed the host of schemes accessible only to Udyam-registered MSMEs, including:

• Credit Guarantee Scheme (CGTMSE)
• PMEGP (Prime Minister’s Employment Generation Programme)
• Technology Upgradation Fund Scheme (TUFS)
  • With capital subsidies, interest reimbursements, and support for modernization in textile and jute sectors.
• Zero Defect Zero Effect (ZED) Certification
  • Up to 100% subsidy on certification and preference in public procurement.
• MUDRA Loans under PMMY
  • Loans up to ₹20 lakh without collateral, categorized into Shishu, Kishore, and Tarun.

✅ 2. Collateral-Free Credit Access

Sunil Aggarwal emphasized how Udyam helps MSMEs secure collateral-free loans through CGTMSE, removing one of the biggest hurdles for small businesses—access to affordable capital.

✅ 3. Concessional Interest Rates

Banks provide priority sector lending benefits to Udyam-registered MSMEs, resulting in lower interest rates, reduced EMI burden, and better credit terms.

✅ 4. Intellectual Property Rights (IPR) Support

Registered MSMEs are eligible for a 50% subsidy on government fees for patents and trademarks, thereby promoting innovation and branding.

✅ 5. Protection Against Delayed Payments

• Claim compound interest at 3× RBI rate for payments delayed beyond 45 days.
• File disputes with MSME Samadhan for quick redressal.

✅ 6. Government Tender Benefits

• Exemption from EMD
• Exclusive tender access for government contracts
• Price and quantity preferences

✅ 7. Technology and Skill Development Programs

MSME Ministry initiatives give priority to Udyam-registered businesses for:

• Capacity-building workshops
• Skill development
• Digital enablement programs

✅ 8. ISO Certification Reimbursement

The government reimburses certification costs for:

• ISO 9001, ISO 14001, HACCP, etc., to help MSMEs match global quality standards.

✅ 9. Global Market & Export Promotion

Udyam MSMEs are encouraged to:

• Join international trade fairs
• Access Market Development Assistance (MDA)
• Benefit from export subsidies

✅ 10. State-Level Subsidies

Many states offer:

• Electricity bill concessions
• Tax rebates
• Industrial promotion subsidies

4. Speaker Insights

🗣 Ashok Jha

Focused on the policy landscape and how Udyam bridges the gap between grassroots enterprises and formal finance ecosystems. He emphasized the role of digital registration in MSME empowerment.

🗣 H.K. Gupta

Provided detailed walkthroughs of financial schemes and shared live examples of MSMEs that scaled rapidly post-Udyam registration.

🗣 Sunil Aggarwal

Offered actionable tips for entrepreneurs to leverage Udyam for credit access, market credibility, and business growth. He encouraged MSMEs to immediately register and renew compliance regularly.

5. Q&A Session

Participants asked practical questions like:

• "Can a sole proprietor register under Udyam?"
• "What is the cost of ZED certification?"
• "Are MUDRA loans available to traders?"

All questions were addressed live by the expert panel with great clarity.

6. Conclusion

The webinar highlighted that Udyam Registration is more than just a formality—it is a strategic necessity for any micro, small, or medium business seeking growth, recognition, and access to India's evolving business ecosystem.

Participants were encouraged to:

• Immediately apply for Udyam if not already registered
• Explore government schemes using their Udyam ID
• Take professional advisory help to unlock the full range of MSME benefits

Event Highlights