Desimms Co Updated -

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To understand DesiMMs Co, one must first understand the failure of the Scheduled Commercial Banks (SCBs). The P.J. Nayak Committee (2014) and subsequent internal working groups of the RBI have repeatedly noted that public sector banks suffer from “risk aversion asymmetry.” A loan officer in a bank branch faces infinite downside (disciplinary action for a default) and negligible upside (no bonus for a performing small loan). Consequently, MSME loans—requiring physical collateral verification, cash flow estimation, and frequent monitoring—are systematically avoided.

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: The Namaskar or Namaste remains the most recognized form of respectful greeting.

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