The idea of GST-credits as bank-credit product

The state of credit access and liquidity availability in the system has to be seen from the lens of the borrowers as well. While statistics can be used to depict that all is well, the aversion to credit risk seems to be the flavour of the season. Ask the SME/MSME entrepreneurs! Usually, a portion of GST credits are pending with businesses (importers, manufacturers, exporters, small and medium ente…