# Sumit Kasardekar

> Sumit Kasardekar, founder of The Harsmit Ventures in Ahmedabad, connects businesses with the right partners for payments, loans, insurance, ERP and AI.

Sumit Kasardekar is based in Ahmedabad, Gujarat, India. Founder of The Harsmit Ventures. Helping growing businesses find the right partners for payments, finance and technology. Ahmedabad, India. The views on this site are personal and are not investment, legal or tax advice.

Full plain text of the main pages, every insight and the FAQs is at https://sumitkasardekar.com/llms-full.txt.

## Key pages

- [Home](https://sumitkasardekar.com): Founder of The Harsmit Ventures. Helping growing businesses find the right partners for payments, finance and technology. Ahmedabad, India.
- [About Sumit Kasardekar](https://sumitkasardekar.com/about): I'm Sumit Kasardekar, founder of The Harsmit Ventures in Ahmedabad. I help growing businesses find the right partners for payments, finance and technology.
- [The Harsmit Ventures story](https://sumitkasardekar.com/the-harsmit-ventures): After 15 years in corporate sales, partnerships and FinTech, I founded The Harsmit Ventures on 1 September 2025. It didn't begin with a business plan. It began with people calling me for help, and me realising I could...
- [Insights](https://sumitkasardekar.com/insights): Notes and longer pieces on sales and customer understanding, partnerships and payments, technology and practical AI, startups and SMEs, and what I'm learning from the business community.
- [Events](https://sumitkasardekar.com/events): Conferences, summits, expos, business network meetings, roundtables and founder meetups Sumit has been part of.
- [Speaking & media kit](https://sumitkasardekar.com/speaking): I host founder meetups as City Lead for Entrepreneurs Arch in Ahmedabad, have hosted eChai Ventures' Open House, and spoke at the Aarambh Founder Talk. If you're putting together a meetup, panel or business session,...
- [Brand assets](https://sumitkasardekar.com/media): Official logo files (SVG, PDF, PNG), colours, an animated logo and approved bios.
- [Founder introductions](https://sumitkasardekar.com/introductions): Request a free, double opt-in introduction to someone in India's startup and business ecosystem.
- [Let's talk](https://sumitkasardekar.com/collaborate): If you'd like to discuss a partnership, invite me to a business event or exchange thoughts on something I've shared, send me a note. A little context about you and what you have in mind will help me understand the...
- [Regulation tracker](https://sumitkasardekar.com/regulations): RBI, SEBI, NPCI, GST, Income Tax, MCA, TRAI, data protection, labour and more, in one timeline. Each change comes with a plain-English line on what it means for MSMEs, founders, merchants and FinTechs, and a link to the...
- [India startup ecosystem directory](https://sumitkasardekar.com/ecosystem): Incubators, startup missions, chambers of commerce, founder communities and the big summits, across Gujarat and the rest of India. Pick a state on the map, filter by city or type, and go straight to their official...
- [Resources](https://sumitkasardekar.com/resources): Checklists, templates and short guides to download.

## Insights

- [UPI now has a merchant fee. What the October 2026 change means for your business](https://sumitkasardekar.com/insights/upi-mdr-october-2026-what-merchants-need-to-know): From 15 October 2026, larger UPI payments to merchants carry a 0.4% fee. Here is who pays, who is exempt, and what to check with your bank or payment partner. (2026-11-11)
- [RBI's payment aggregator rules, explained for merchants](https://sumitkasardekar.com/insights/rbi-payment-aggregator-rules-explained-for-merchants): In September 2025 the RBI brought all its payment aggregator rules into one Master Direction. Here is what it means for the businesses that use them. (2026-11-11)
- [How to choose a payment gateway: a 12-point checklist for Indian businesses](https://sumitkasardekar.com/insights/how-to-choose-a-payment-gateway-checklist): Pricing is only one line on the list. After years of selling payment gateways, these are the 12 questions I would ask before signing with any provider. (2026-11-11)
- [A week of phone calls that turned into a venture](https://sumitkasardekar.com/insights/a-week-of-phone-calls-that-started-thv): Within a week of setting out on my own, businesses started calling me about payment gateways. How passing on leads for free became The Harsmit Ventures. (2026-11-11)
- [Why online payments fail, and what it quietly costs your business](https://sumitkasardekar.com/insights/why-online-payments-fail-and-what-it-costs): Every failed payment is a customer who wanted to pay you. Here is why payments fail in India and the simple fixes that recover lost revenue. (2026-11-11)
- [Business insurance for MSMEs: 7 questions owners forget to ask](https://sumitkasardekar.com/insights/business-insurance-questions-msme-owners-forget): Most small businesses are under-insured until something goes wrong. These are the questions I ask business owners before they buy or renew a policy. (2026-11-11)
- [Working capital without the stress: how small businesses should think about loans](https://sumitkasardekar.com/insights/working-capital-loans-for-small-businesses): The right loan at the right time can grow a business. The wrong one can choke it. A practical guide to working capital options for Indian MSMEs. (2026-11-11)
- [Practical AI for small businesses: five places it saves real time today](https://sumitkasardekar.com/insights/practical-ai-for-small-businesses): Forget the hype. These are five simple, affordable ways Indian businesses are already using AI to save hours every week. (2026-11-11)
- [Before you sign an ERP contract: lessons from ₹4.5 Cr+ of ERP deals](https://sumitkasardekar.com/insights/before-you-sign-an-erp-contract): I sold and implemented ERP for distributors across Gujarat and now work with SAP. These are the questions that decide whether an ERP project succeeds. (2026-11-11)
- [Getting a yes from banks: what I learned building banking alliances](https://sumitkasardekar.com/insights/how-to-build-partnerships-with-banks): At SabPaisa and PhiCommerce I built partnerships with PSU banks, private banks and government entities. Here is what actually moves a bank partnership forward. (2026-11-11)
- [From a Vodafone store to FinTech: 10 sales lessons from 15 years](https://sumitkasardekar.com/insights/from-vodafone-store-to-fintech-sales-lessons): I started in 2011 setting up in-store displays for Vodafone. Fifteen years later, these are the sales lessons that held true across telecom, retail, ERP and FinTech. (2026-11-11)
- [What 12,000+ merchants taught me about selling FinTech](https://sumitkasardekar.com/insights/what-12000-merchants-taught-me-about-selling-fintech): Leading a team that activated 12,000+ merchants in 7 months at BharatPe, and 15 years of selling payments, insurance and software, taught me a few things about how businesses really decide. (2026-11-11)
- [Why I spend so many evenings in rooms full of founders](https://sumitkasardekar.com/insights/why-i-spend-my-evenings-in-rooms-full-of-founders): Summits, expos, chambers of commerce and founder meetups. Why I keep showing up, and what I listen for when I do. (2026-11-11)

## Events

- [eChai Startup Open House, Ahmedabad (October 2026)](https://sumitkasardekar.com/events/echai-startup-open-house-ahmedabad-oct-2026): Meetup, Hosted, 22 October 2026, Ahmedabad. My second time hosting the eChai Startup Open House: founders introduce what they are building, the challenges they face and where they need help.
- [FINMAT Expo 2026](https://sumitkasardekar.com/events/finmat-expo-2026-gift-city): Exhibition / Expo, Attended, October 2026, Gandhinagar. An expo on global financial markets, cross-border opportunities and financial technology at GIFT City.
- [The Wealth Blueprint](https://sumitkasardekar.com/events/the-wealth-blueprint-gcci): Founder talk, Attended, 30 September 2026, Ahmedabad. An evening with Chitrak Shah, Founder & MD of Shivalik Group, on wealth creation, real estate and business.
- [World Tourism Day 2026](https://sumitkasardekar.com/events/world-tourism-day-2026-gift-city): Community event, Attended, 27 September 2026, GIFT City. Celebrating the Gujarat Tourism Year at GIFT City Club.
- [SME IPO Investor Meet: Anand Seamless Ltd.](https://sumitkasardekar.com/events/sme-ipo-investor-meet-anand-seamless): Meetup, Attended, 21 September 2026, Ahmedabad. A closer look at a manufacturer's journey to the SME capital market, with investors and capital markets professionals.
- [HR Synergy Meet, 8th edition](https://sumitkasardekar.com/events/hr-synergy-meet-8th-edition): Panel discussion, Attended, 12 September 2026, Ahmedabad. The Ahmedabad Talent Story: can we build, buy or borrow talent?
- [Entrepreneurs Arch, Global Fintech Fest edition (Mumbai)](https://sumitkasardekar.com/events/entrepreneurs-arch-gff-edition-mumbai-2026): Business network meeting, Attended, 10 September 2026, Mumbai. 50+ entrepreneurs around one room during Global Fintech Fest week. No stage, just founders talking to each other.
- [Global Fintech Fest 2026](https://sumitkasardekar.com/events/global-fintech-fest-2026): Conference, Attended, 9 Sept 2026 to 11 Sept 2026, Mumbai. India's flagship fintech gathering, bringing together payments, banking and technology leaders.
- [World Circular Economy Forum (WCEF), GIFT City](https://sumitkasardekar.com/events/world-circular-economy-forum-2026-gift-city): Conference, Attended, September 2026, Gandhinagar. Two accelerator sessions and a day of conversations with delegates from Japan, the Netherlands, Spain, Belgium and across India.
- [LinkedIn Recruitathon Ahmedabad](https://sumitkasardekar.com/events/linkedin-recruitathon-ahmedabad): Meetup, Attended, 27 August 2026, Ahmedabad. Staffing edition on agentic hiring with LinkedIn Hiring Assistant.
- [IIMA Healthcare Summit 2026](https://sumitkasardekar.com/events/iima-healthcare-summit-2026): Summit, Attended, 22 August 2026, Ahmedabad. Advancing AI in healthcare, at IIM Ahmedabad's new campus.
- [Entrepreneur's Mixer, 4th edition (Ahmedabad)](https://sumitkasardekar.com/events/entrepreneurs-mixer-ahmedabad-4th-edition): Business network meeting, Hosted, 30 July 2026, Ahmedabad. Hosted the 4th edition of the Entrepreneur's Mixer as City Lead for Entrepreneurs Arch, bringing founders, startup leaders and professionals together.
- [Investopia Global Ahmedabad](https://sumitkasardekar.com/events/investopia-global-ahmedabad-2026): Conference, Attended, 23 July 2026, Ahmedabad. An investment and business dialogue connecting Gujarat with global capital.
- [Startup Round Table](https://sumitkasardekar.com/events/startup-round-table-startups-chamber-gujarat): Roundtable, Attended, 11 July 2026, Ahmedabad. An open discussion where founders shared what they are building, their challenges and the support they need.
- [AROHAN 2026](https://sumitkasardekar.com/events/arohan-2026-cii): Summit, Attended, 10 July 2026, Ahmedabad. CII Gujarat's startup and innovation summit: founders, investors, industry leaders and policymakers under one roof.
- [Vibrant Gujarat Regional Exhibition](https://sumitkasardekar.com/events/vibrant-gujarat-regional-exhibition-vadodara): Exhibition / Expo, Attended, 29 June 2026, Vadodara. Crafts village and MSME pavilion at the Vibrant Gujarat regional exhibition.
- [Vadodara HR Summit & HR Leadership Awards](https://sumitkasardekar.com/events/vadodara-hr-summit-2026): Summit, Attended, 27 June 2026, Vadodara. HR summit and leadership awards gathering.
- [Ahmedabad Startup Day (June 2026)](https://sumitkasardekar.com/events/ahmedabad-startup-day-jun-2026): Summit, Attended, 20 June 2026, Ahmedabad. Tracks on fintech, healthcare, manufacturing, consumer and D2C, how founders use AI, and fundraising.
- [KCCI 8th Foundation Day & MSME Convention](https://sumitkasardekar.com/events/kcci-8th-foundation-day-msme-convention): Conference, Attended, 18 June 2026, Ahmedabad. Foundation day and MSME convention at Hyatt, Ahmedabad.
- [Bharat's Startup Summit, Season 5](https://sumitkasardekar.com/events/bharats-startup-summit-season-5): Summit, Attended, 13 Jun 2026 to 14 Jun 2026, Surat. A startup summit bringing founders, investors and operators together.
- [Ahmedabad Startup Meetup by eChai Ventures](https://sumitkasardekar.com/events/ahmedabad-startup-meetup-echai-june-2026): Meetup, Hosted, 6 June 2026, Ahmedabad. My first time hosting the Ahmedabad Startup Meetup for eChai Ventures, an evening with founders, entrepreneurs and the startup community.
- [Bridging Continents: India, UK and Argentina](https://sumitkasardekar.com/events/gcci-bridging-continents-2026): Policy dialogue, Attended, 3 June 2026, Ahmedabad. A GCCI seminar on trade between India, the UK and Argentina in textiles, chemicals and agri innovation, with H.E. Mr. Stephen Hickling.
- [Clay Club Ahmedabad, first edition](https://sumitkasardekar.com/events/clay-club-ahmedabad-2026): Meetup, Attended, 23 May 2026, Ahmedabad. GTM systems over AI tool demos: ICP clarity, research depth and structured outbound workflows.
- [AI Day for Startups India 2026](https://sumitkasardekar.com/events/ai-day-for-startups-india-2026): Workshop, Attended, 8 May 2026, Ahmedabad. AI agents, multimodal AI and Gemini, with hands-on build sessions using the Google AI stack.
- [Odisha Investors' Meet Roadshow](https://sumitkasardekar.com/events/odisha-investors-meet-roadshow-ahmedabad): Policy dialogue, Attended, 5 May 2026, Ahmedabad. Chief Minister Mohan Charan Majhi on Odisha's roadmap for infrastructure, industrial growth and ease of doing business.
- [EU to India Policy Dialogue with the High Commissioner of Cyprus](https://sumitkasardekar.com/events/eicbi-cyprus-policy-dialogue-2026): Policy dialogue, Attended, 27 April 2026, Ahmedabad. The Cyprus Presidency of the Council of the European Union: a policy dialogue with H.E. the High Commissioner of the Republic of Cyprus to India.
- [Fintech Meetup by Indian Financial Forum](https://sumitkasardekar.com/events/fintech-meetup-indian-financial-forum): Meetup, Attended, 24 April 2026, Ahmedabad. An evening with people building in finance and technology.
- [Fundraising Masterclass](https://sumitkasardekar.com/events/fundraising-masterclass-primevp-sparrow): Workshop, Attended, 23 April 2026, Ahmedabad. A fundraising masterclass followed by networking over dinner.
- [GrabChai by The Product Folks](https://sumitkasardekar.com/events/grabchai-the-product-folks-ahmedabad): Meetup, Attended, 18 April 2026, Ahmedabad. Product, tech and founder conversations over chai.
- [GCCI GATE 2026](https://sumitkasardekar.com/events/gcci-gate-2026): Exhibition / Expo, Attended, 16 Apr 2026 to 18 Apr 2026, Ahmedabad. Gujarat Chamber's business expo: three days of stalls, industries and decision-makers.
- [SME Conclave 2026](https://sumitkasardekar.com/events/sme-conclave-2026-wadhwani): Conference, Attended, 7 April 2026, Ahmedabad. A room full of people already running businesses, still showing up to learn how to scale them.
- [Alumni Entrepreneurs Meet-up: Fintech Revolution](https://sumitkasardekar.com/events/alumni-entrepreneurs-meetup-fintech-revolution): Panel discussion, Attended, April 2026, Ahmedabad. Panel discussions on fintech, careers and the future of work.
- [IACC Networking Tuesday: LinkedIn for B2B](https://sumitkasardekar.com/events/iacc-networking-tuesday-37): Business network meeting, Attended, 31 March 2026, Ahmedabad. The 37th Networking Tuesday, with Jaydip Parikh on LinkedIn as a business tool, not a social platform.
- [How Founders Use AI, Ahmedabad edition](https://sumitkasardekar.com/events/how-founders-use-ai-ahmedabad): Meetup, Attended, 28 March 2026, Ahmedabad. Real AI usage from founders, from Claude for business to building websites by typing.
- [Cyber Security Conclave 2026](https://sumitkasardekar.com/events/cyber-security-conclave-2026-kcci): Conference, Attended, 27 March 2026, Ahmedabad. Government, industry and cybersecurity experts on real threats, compliance and why MSMEs should think security-first.
- [Gujarat Manufacturers & Exporters Summit](https://sumitkasardekar.com/events/gujarat-manufacturers-exporters-summit-2026): Summit, Attended, 24 March 2026, Ahmedabad. A summit on manufacturing, exports and scale as the route to India's next phase of growth.
- [eChai Sales Masterclass](https://sumitkasardekar.com/events/echai-sales-masterclass-2026): Workshop, Attended, 19 March 2026, Ahmedabad. Pankaj Bhimani, founder of 58 Miles, on his first-hand sales journey.
- [IACC Networking Tuesday: protecting your IP](https://sumitkasardekar.com/events/iacc-networking-tuesday-ip): Business network meeting, Attended, 17 March 2026, Ahmedabad. Sanjaykumar Patel of Excelon IP on trademarks, logos, patents and why filing timelines matter.
- [HR Elevate: Unlocking HR Potential](https://sumitkasardekar.com/events/weekmate-hr-elevate-2026): Panel discussion, Attended, 14 March 2026, Ahmedabad. HR leaders from Proclink, Etech Global Services and Axis Bank on the panel, plus a hands-on HRMS demo.
- [eChai FailCode Ahmedabad](https://sumitkasardekar.com/events/echai-failcode-ahmedabad): Meetup, Attended, 5 March 2026, Ahmedabad. 30+ people, one big table and honest conversations about failure. No stage, no mics.
- [TiECon Ahmedabad 2026](https://sumitkasardekar.com/events/tiecon-ahmedabad-2026): Conference, Attended, 21 February 2026, Ahmedabad. TiE Ahmedabad's flagship conference and Entre'Thon 2026, celebrating 25 years of fostering entrepreneurship.
- [Account Aggregator Ecosystem as Digital Public Infrastructure](https://sumitkasardekar.com/events/account-aggregator-dpi-session-iima): Panel discussion, Attended, 16 February 2026, Ahmedabad. A session on how consent-based data sharing is changing lending in India.
- [Global Investor Group Meetup](https://sumitkasardekar.com/events/vested-global-investor-group-meetup): Meetup, Attended, 13 February 2026, Ahmedabad. Accessing global markets from India, the NSE IX and SGX GIFT Connect, and US stocks and ETFs, with a panel from Vested Finance, NSE IX and PwC.
- [Social Media Marketing for Business Growth](https://sumitkasardekar.com/events/gcci-social-media-marketing-session): Workshop, Attended, 6 February 2026, Ahmedabad. Generating quality leads with Facebook, Instagram and WhatsApp. Likes are good, leads are better.
- [IACC Networking Tuesday: technology in life sciences](https://sumitkasardekar.com/events/iacc-networking-tuesday-feb-2026): Business network meeting, Attended, 3 February 2026, Ahmedabad. India and US collaboration moving beyond outsourcing to real partnerships, over breakfast.
- [Ahmedabad Digital Marketing Meetup, Volume 28](https://sumitkasardekar.com/events/admm-volume-28): Meetup, Attended, 3 February 2026, Ahmedabad. How to design a go-to-market strategy for any business.
- [Ahmedabad Startup Day (January 2026)](https://sumitkasardekar.com/events/ahmedabad-startup-day-jan-2026): Summit, Attended, 30 January 2026, Ahmedabad. The monthly gathering of Ahmedabad's founders, investors and enablers, with parallel tracks across sectors.
- [Building What India Eats & Drinks](https://sumitkasardekar.com/events/echai-food-beverage-startups-meetup): Meetup, Attended, 22 January 2026, Ahmedabad. Food and beverage founders on product-market fit, distribution, branding and margins.
- [Ahmedabad Innovation Summit 2026](https://sumitkasardekar.com/events/ahmedabad-innovation-summit-2026): Summit, Attended, 16 January 2026, Ahmedabad. National Startup Day: a packed auditorium of founders, students, operators and policymakers.
- [IIMA Ventures Summit 2026](https://sumitkasardekar.com/events/iima-ventures-summit-2026): Summit, Attended, 12 Jan 2026 to 13 Jan 2026, Ahmedabad. Two days at IIM Ahmedabad with the founders and investors behind some of India's most consequential companies.
- [Breakfast with Traders](https://sumitkasardekar.com/events/groww-breakfast-with-traders): Meetup, Attended, 11 January 2026, Ahmedabad. Ronak Unadkat's trading journey, moderated by Praful Kulkarni.
- [GTM Power Connect](https://sumitkasardekar.com/events/gtm-power-connect-york-ie): Meetup, Attended, 13 December 2025, Ahmedabad. AI in go-to-market, and why human connection still matters.
- [What Founders Must Know About Legal & Compliance Before Fundraising](https://sumitkasardekar.com/events/echai-legal-compliance-before-fundraising): Panel discussion, Attended, July 2025, Ahmedabad. Investor expectations and startup compliance before raising money.
- [eChai Startup Demo Day, June 2025](https://sumitkasardekar.com/events/echai-startup-demo-day-june-2025): Meetup, Attended, June 2025, Ahmedabad. Founders, investors and innovators at eChai's monthly demo day.
- [SAP NOW AI Tour, Mumbai](https://sumitkasardekar.com/events/sap-now-ai-tour-mumbai-2025): Conference, Attended, April 2025, Mumbai. How AI is transforming the SAP landscape.
- [Google Startup School](https://sumitkasardekar.com/events/google-startup-school-iima-2023): Workshop, Attended, October 2023, Ahmedabad. Google's startup programme at IIM Ahmedabad.
- [Global Fintech Fest 2023](https://sumitkasardekar.com/events/global-fintech-fest-2023): Conference, Attended, 5 Sept 2023 to 7 Sept 2023, Mumbai. Three days of fintech insights and connections, as NPCI unveiled new developments in digital payments.
- [Scaling Up Startups panel with Smytten and Quicko founders](https://sumitkasardekar.com/events/scaling-up-startups-panel-iima-2023): Panel discussion, Attended, 19 August 2023, Ahmedabad. Siddhartha Nangia (Smytten) and Vishvajit Sonagara (Quicko) on strategies for scaling startups.
- [Google Startup Success Day](https://sumitkasardekar.com/events/google-startup-success-day-iima-2023): Conference, Attended, August 2023, Ahmedabad. Startup learning and networking at IIM Ahmedabad.
- [Founders who made it to Shark Tank India](https://sumitkasardekar.com/events/shark-tank-founders-ahmedabad-university-2023): Founder talk, Attended, June 2023, Ahmedabad. Founders shared stories and lessons from Shark Tank India.
- [SabPaisa Annual Meeting 2021-22 (Making an Impact award)](https://sumitkasardekar.com/events/sabpaisa-annual-meeting-2022): Award ceremony, Attended, April 2022, Delhi. Received the Making an Impact award for FY 2021-22 at SabPaisa's annual meeting.
- [The Cluster Fest 4.0](https://sumitkasardekar.com/events/cluster-fest-4): Business network meeting, Attended. #Chosen200: a curated business community gathering.
- [Markets & FinTech Exhibition](https://sumitkasardekar.com/events/markets-fintech-exhibition-2026): Exhibition / Expo, Attended, Ahmedabad. Capital markets and fintech exhibition floor.
- [Finbridge Expo 2026](https://sumitkasardekar.com/events/finbridge-expo-2026): Exhibition / Expo, Attended. A finance and markets expo.
- [IGBC Green Gujarat Summit 2026](https://sumitkasardekar.com/events/igbc-green-gujarat-summit-2026): Summit, Attended, Ahmedabad. The 3rd edition of IGBC's Green Gujarat Summit on net-zero transition in the built environment.
- [CII Pharma Summit 2026](https://sumitkasardekar.com/events/cii-pharma-summit-2026): Summit, Attended, Ahmedabad. Pharma and life-sciences industry summit organised by CII.

## Regulation tracker

Plain-English summaries, not legal advice. Each entry links to its place on https://sumitkasardekar.com/regulations, where the official source is linked.

- [RBI: Draft lender-wise priority-sector lending Directions open for comment](https://sumitkasardekar.com/regulations#r-rbi-draft-lender-wise-priority-sector-lending-directions): No major change is expected for MSME borrowers, but lenders and FinTechs that originate PSL loans should review the drafts before the deadline. (2026-11-05)
- [RBI: Updated cyber security and payment security directions for non-bank payment operators](https://sumitkasardekar.com/regulations#r-rbi-updated-cyber-security-and-payment-security-directio): Payment fintechs must meet board-level cyber governance, testing, vendor and API security controls, and should extend them to partners like gateways and vendors. (2026-11-05)
- [CERT-In: CERT-In issues AI Security Auditing Guidelines](https://sumitkasardekar.com/regulations#r-certin-cert-in-issues-ai-security-auditing-guidelines): If you build or deploy AI, expect clients and auditors to use these as a checklist. Start keeping records of AI risks, controls and human oversight. (2026-11-04)
- [IRDAI: Four-layer motor insurance structure with option form for private cars and two-wheelers](https://sumitkasardekar.com/regulations#r-irdai-four-layer-motor-insurance-structure-with-option-f): When insuring vehicles you will tick which optional covers you want, making it clearer what you are paying for. Policies must also be available on Bima Sugam. (2026-11-02)
- [MCA: FY 2025-26 financial statements can be filed till 31 Dec 2026 without extra fees](https://sumitkasardekar.com/regulations#r-mca-fy-2025-26-financial-statements-can-be-filed-till-31): You get extra time to file accounts and annual returns without late fees, but the AGM must still be held on time. (2026-10-24)
- [FEMA: FEMA compounding for ODI, ECB and guarantee lapses delegated to regional offices](https://sumitkasardekar.com/regulations#r-fema-fema-compounding-for-odi-ecb-and-guarantee-lapses-d): Founders who missed ODI or ECB filings can settle through a regional office, which should be quicker. (2026-10-23)
- [DoT: Caller name display (CNAP) mandated on 4G and 5G networks from 1 Nov 2026](https://sumitkasardekar.com/regulations#r-dot-caller-name-display-cnap-mandated-on-4g-and-5g-netwo): Customers will see the name your connections are registered in. Make sure business SIMs and lines are in the company's correct name. (2026-10-13)
- [GST: 57th GST Council: arrest powers withdrawn, prosecution threshold raised to ₹5 crore, lower penalties](https://sumitkasardekar.com/regulations#r-gst-57th-gst-council-arrest-powers-withdrawn-prosecution): Small procedural lapses should carry less risk once the law is amended. These are recommendations that need changes to the CGST Act before they apply. (2026-10-08)
- [GST: 57th GST Council: PAN-based simple registration for small e-commerce sellers in other states](https://sumitkasardekar.com/regulations#r-gst-57th-gst-council-pan-based-simple-registration-for-s): D2C brands and marketplace sellers could stock in other states' warehouses without renting their own premises there. Wait for the notification before restructuring. (2026-10-08)
- [GST: 57th GST Council: refunds on input services and capital goods, fewer blocked credits](https://sumitkasardekar.com/regulations#r-gst-57th-gst-council-refunds-on-input-services-and-capit): Manufacturers and exporters with large input service or machinery credits could unlock cash. Track your stuck ITC now so you can claim once the rules are notified. (2026-10-08)
- [GST: 57th GST Council: late fee waiver for small taxpayers and quarterly scheme for B2C businesses](https://sumitkasardekar.com/regulations#r-gst-57th-gst-council-late-fee-waiver-for-small-taxpayers): Small retailers may get relief for short delays and possibly fewer returns. The ARQP scheme is only a concept note for now. (2026-10-08)
- [GST: 57th GST Council: e-way bill checks only on intelligence, no interception in transit states](https://sumitkasardekar.com/regulations#r-gst-57th-gst-council-e-way-bill-checks-only-on-intellige): Fewer roadside detentions for compliant inter-state shipments once the law is amended. Always carry a valid e-way bill. (2026-10-08)
- [RBI: Repo rate raised to 5.50%, first hike since the 2025 easing cycle](https://sumitkasardekar.com/regulations#r-rbi-repo-rate-raised-to-5-50-first-hike-since-the-2025-e): Repo-linked loan rates will rise at the next reset. Expect EMIs or tenures to go up, and factor higher borrowing cost into working capital plans. (2026-10-07)
- [RBI: Account Aggregators to become interoperable by end of 2026](https://sumitkasardekar.com/regulations#r-rbi-account-aggregators-to-become-interoperable-by-end-o): Sharing bank statements for loans gets easier. FinTech lenders should plan for wider AA coverage by 31 December 2026. (2026-10-07)
- [SEBI: Common advertisement code approved for brokers, advisers and fund houses](https://sumitkasardekar.com/regulations#r-sebi-common-advertisement-code-approved-for-brokers-advi): SEBI-registered fintechs can launch campaigns faster, but must report each ad within three working days. Watch for the circular with the detailed rules. (2026-09-24)
- [IRDAI: Consultation on overhauling insurance distribution, commissions and entry rules](https://sumitkasardekar.com/regulations#r-irdai-consultation-on-overhauling-insurance-distribution): Fintechs and small businesses may find it cheaper to distribute insurance alongside their main business if the proposals are adopted. (2026-09-23)
- [TRAI: TCCCPR third amendment: AI spam detection, robocall declaration, 7-day enquiry window](https://sumitkasardekar.com/regulations#r-trai-tcccpr-third-amendment-ai-spam-detection-robocall-d): Declare any robocall or auto-dialer use to your operator, keep written proof of enquiries, and move legacy consents onto the digital registry. (2026-09-18)
- [Labour: PF wage ceiling raised from ₹15,000 to ₹25,000 a month](https://sumitkasardekar.com/regulations#r-labour-pf-wage-ceiling-raised-from-rs-15-000-to-rs-25-00): More employees now fall within mandatory PF, and contributions calculated on the ceiling go up. Recheck payroll costs and salary offers. (2026-09-17)
- [NPCI: 0.4% MDR on UPI merchant payments above ₹2,000, capped at ₹300](https://sumitkasardekar.com/regulations#r-npci-0-4-mdr-on-upi-merchant-payments-above-rs-2-000-cap): Larger UPI receipts now cost money. Small P2PM merchants receiving up to ₹1 lakh a month stay at zero MDR. Merchants cannot pass the charge to customers, so factor it into pricing. (2026-09-15)
- [RBI: Draft rules for temporary debit holds on money-mule linked accounts](https://sumitkasardekar.com/regulations#r-rbi-draft-rules-for-temporary-debit-holds-on-money-mule-): Merchants who receive payments from many strangers should keep transaction records. A fraud-linked credit could trigger a hold on your account. (2026-09-11)
- [SEBI: Older angel funds get until 31 March 2027 to move to accredited investors only](https://sumitkasardekar.com/regulations#r-sebi-older-angel-funds-get-until-31-march-2027-to-move-t): Angel networks have six more months to get members accredited. After March 2027, non-accredited angels cannot put money into new deals through these funds. (2026-09-07)
- [IRDAI: IRDAI proposes a Public Insurance Registry as digital public infrastructure](https://sumitkasardekar.com/regulations#r-irdai-irdai-proposes-a-public-insurance-registry-as-digi): Could let lenders verify insurance cover on collateral and let businesses see all their policies in one place. Insurtechs may build on it. (2026-09-01)
- [RBI: Draft unified rules on interest rates for loans by all banks and NBFCs](https://sumitkasardekar.com/regulations#r-rbi-draft-unified-rules-on-interest-rates-for-loans-by-a): If finalised, how NBFCs and banks set and reset your loan rate will become more uniform and transparent. Watch for the final Directions. (2026-08-12)
- [MSME: MSMED Act amended: Udyam made permanent, faster delayed payment recovery](https://sumitkasardekar.com/regulations#r-msme-msmed-act-amended-udyam-made-permanent-faster-delay): Stronger tools to recover late payments, and decriminalised penalties. Watch for the date it comes into force. (2026-08-07)
- [RBI: Uniform loan recovery and recovery agent rules for all lenders](https://sumitkasardekar.com/regulations#r-rbi-uniform-loan-recovery-and-recovery-agent-rules-for-a): Recovery calls and visits must follow set norms. If you lend, review agency contracts. If you borrow, you can complain about harassment. (2026-08-06)
- [IRDAI: Every insurance policy to be tagged to the salesperson; perpetual registration for intermediaries](https://sumitkasardekar.com/regulations#r-irdai-every-insurance-policy-to-be-tagged-to-the-salespe): Mis-selling becomes traceable to a named person. Corporate agents, brokers and insurtechs must update systems for tagging and switch to annual fees. (2026-07-29)
- [FEMA: Draft Foreign Investment Rules 2026 to replace NDI Rules](https://sumitkasardekar.com/regulations#r-fema-draft-foreign-investment-rules-2026-to-replace-ndi-): Startups raising foreign equity should watch for the final rules. Pricing, reporting and instrument rules for FDI may change. (2026-07-21)
- [DGFT: India-UK trade agreement (CETA) in force: zero duty on about 99% of Indian exports](https://sumitkasardekar.com/regulations#r-dgft-india-uk-trade-agreement-ceta-in-force-zero-duty-on): Exporters to the UK should claim preferential duty with a certificate of origin. Staff on short UK postings can avoid double social security contributions. (2026-07-15)
- [RBI: Fraud victims to get up to ₹25,000 compensation; banks to decide complaints in 45 days](https://sumitkasardekar.com/regulations#r-rbi-fraud-victims-to-get-up-to-rs-25-000-compensation-ba): Sole proprietors are covered. Report any fraud to your bank and the 1930 helpline within five calendar days to keep zero-liability and compensation rights. (2026-06-24)
- [RBI: New TReDS Directions: simpler MSME onboarding and credit-guarantee cover](https://sumitkasardekar.com/regulations#r-rbi-new-treds-directions-simpler-msme-onboarding-and-cre): Selling invoices on TReDS should get easier and cheaper for MSME suppliers. If big buyers pay you late, register on a TReDS platform. (2026-06-23)
- [DoT: New telecom authorisation rules replace licences under Telecom Act](https://sumitkasardekar.com/regulations#r-dot-new-telecom-authorisation-rules-replace-licences-und): CPaaS, VNO and other telecom-linked startups must apply for, or migrate to, an authorisation under the new regime. (2026-06-23)
- [RBI: New rules on mis-selling, dark patterns and DSAs for banks and NBFCs](https://sumitkasardekar.com/regulations#r-rbi-new-rules-on-mis-selling-dark-patterns-and-dsas-for-): Banks cannot force insurance or other products with a loan. FinTechs and DSAs selling loans must review their scripts and app flows. (2026-06-15)
- [RBI: Consolidated Master Directions on getting authorisation to run a payment system](https://sumitkasardekar.com/regulations#r-rbi-consolidated-master-directions-on-getting-authorisat): Fintechs planning a payment licence (PA, PPI, BBPS unit and similar) now have one document to follow for authorisation. (2026-06-15)
- [Consumer Affairs: CCPA fines PhysicsWallah and McAfee for dark patterns](https://sumitkasardekar.com/regulations#r-consumer-ccpa-fines-physicswallah-and-mcafee-for-dark-pa): Dark pattern rules are being enforced against well-known brands. Review subscriptions, auto-renewals and checkout design. (2026-06-03)
- [MSME: Micro Credit Card launched: ₹5 lakh revolving credit for Udyam micro units](https://sumitkasardekar.com/regulations#r-msme-micro-credit-card-launched-rs-5-lakh-revolving-cred): A simple working capital line for small shops and units. Register on Udyam and ask your bank about the card. (2026-05-25)
- [SEBI: Market price data for education now usable with a 30-day lag](https://sumitkasardekar.com/regulations#r-sebi-market-price-data-for-education-now-usable-with-a-3): Finance educators and content creators can use price data that is a month old, not three months old. Live or near-live data in teaching content is still not allowed. (2026-05-08)
- [Labour: Code on Wages (Central) Rules 2026 notified](https://sumitkasardekar.com/regulations#r-labour-code-on-wages-central-rules-2026-notified): The detailed forms, registers and procedures for wage compliance are now fixed for central sphere establishments. Update payroll and HR templates. (2026-05-08)
- [MeitY: Online Gaming Rules 2026 in force, Online Gaming Authority set up](https://sumitkasardekar.com/regulations#r-meity-online-gaming-rules-2026-in-force-online-gaming-au): Gaming companies need to check if their games need classification or registration and show registration details. Complaints must be decided within 90 days. (2026-04-30)
- [RBI: Small NBFCs without public funds or customers exempted from registration](https://sumitkasardekar.com/regulations#r-rbi-small-nbfcs-without-public-funds-or-customers-exempt): Founders holding investments through a small NBFC-type company may be able to deregister and cut compliance. (2026-04-29)
- [RBI: RBI cancels Paytm Payments Bank's banking licence](https://sumitkasardekar.com/regulations#r-rbi-rbi-cancels-paytm-payments-bank-s-banking-licence): Any remaining balances or accounts with Paytm Payments Bank should be moved. Shows how serious compliance failures can end a payments licence. (2026-04-24)
- [RBI: Draft Master Direction to overhaul prepaid payment instrument (wallet) rules](https://sumitkasardekar.com/regulations#r-rbi-draft-master-direction-to-overhaul-prepaid-payment-i): Wallet, gift card and prepaid card fintechs should track the final rules, which may change KYC, limits and operations. (2026-04-22)
- [RBI: Consolidated e-mandate framework: ₹15,000 auto-debit without OTP, ₹1 lakh for some](https://sumitkasardekar.com/regulations#r-rbi-consolidated-e-mandate-framework-rs-15-000-auto-debi): Subscription and SaaS businesses can rely on auto-debits for plans up to ₹15,000 without customer OTP. Larger debits need the customer to authenticate each time. (2026-04-21)
- [SEBI: NGOs get 3 years to raise on Social Stock Exchange; ZCZP minimum subscription cut to 50%](https://sumitkasardekar.com/regulations#r-sebi-ngos-get-3-years-to-raise-on-social-stock-exchange-): NGOs have more time to plan a raise and can go ahead with a partly subscribed issue if the exchange is satisfied the money can still be used well. (2026-04-15)
- [RBI: RBI discussion paper on fraud safeguards such as delayed credits](https://sumitkasardekar.com/regulations#r-rbi-rbi-discussion-paper-on-fraud-safeguards-such-as-del): If adopted, some incoming payments could be held briefly and some payers may face extra checks. Watch for final rules that could affect instant settlement. (2026-04-09)
- [RBI: Banks must credit inward foreign remittances faster, ideally the same day](https://sumitkasardekar.com/regulations#r-rbi-banks-must-credit-inward-foreign-remittances-faster-): Exporters and freelancers paid from abroad should see export proceeds credited faster and get prompt alerts. Ask your bank if it is delaying credits. (2026-04-09)
- [DPIIT: Jan Vishwas Bill 2026 passed: 717 provisions in 79 laws decriminalised](https://sumitkasardekar.com/regulations#r-dpiit-jan-vishwas-bill-2026-passed-717-provisions-in-79-): Many minor compliance lapses will attract fines or warnings instead of jail terms, once the changes are in force. The 2023 Act had already decriminalised 183 provisions. (2026-04-02)
- [FEMA: Overseas investment references now handled by seven RBI regional offices, including Ahmedabad](https://sumitkasardekar.com/regulations#r-fema-overseas-investment-references-now-handled-by-seven): Gujarat businesses with overseas subsidiaries (UIN prefix AH) now deal with RBI Ahmedabad, which should speed up ODI approvals. (2026-04-01)
- [DGFT: RoDTEP continued from 1 April to 30 September 2026](https://sumitkasardekar.com/regulations#r-dgft-rodtep-continued-from-1-april-to-30-september-2026): Exporters should confirm the scheme's status for shipments after 30 Sept 2026 before quoting prices that assume RoDTEP. (2026-04-01)
- [RBI: Export credit tenor extended to 450 days due to West Asia disruption](https://sumitkasardekar.com/regulations#r-rbi-export-credit-tenor-extended-to-450-days-due-to-west): Exporters facing shipping delays get more time to repay packing credit without default. (2026-03-31)
- [RBI: RBI releases Payments Vision 2028 with 15 initiatives](https://sumitkasardekar.com/regulations#r-rbi-rbi-releases-payments-vision-2028-with-15-initiative): A roadmap for where payment rules are heading over the next three years. Useful for fintech product planning. (2026-03-27)
- [DGFT: RoDTEP rates restored in full after a 50% cut in February 2026](https://sumitkasardekar.com/regulations#r-dgft-rodtep-rates-restored-in-full-after-a-50-cut-in-feb): Check that RoDTEP credits on shipments between 23 Feb and 22 March 2026 were computed at the right rate. (2026-03-23)
- [SEBI: Minimum investment in Social Impact Funds cut from ₹2 lakh to ₹1,000](https://sumitkasardekar.com/regulations#r-sebi-minimum-investment-in-social-impact-funds-cut-from-): Small donors and retail investors can now back social enterprises through these funds with ₹1,000. (2026-03-23)
- [MCA: Corporate Laws (Amendment) Bill 2026: higher small company limits and CSR threshold](https://sumitkasardekar.com/regulations#r-mca-corporate-laws-amendment-bill-2026-higher-small-comp): Not law yet. If passed, more growing companies would get small company relief and fewer would face CSR spending duties. (2026-03-23)
- [MSME: Mutual Credit Guarantee Scheme widened to service MSMEs and exporters](https://sumitkasardekar.com/regulations#r-msme-mutual-credit-guarantee-scheme-widened-to-service-m): Service businesses buying equipment can now use the scheme, and part of the upfront deposit comes back if the loan runs well. (2026-03-21)
- [Income Tax: Income-tax Rules 2026 and new simplified forms notified](https://sumitkasardekar.com/regulations#r-cbdt-income-tax-rules-2026-and-new-simplified-forms-noti): Your accountant and payroll and TDS software must switch to the new rule and form numbers from April 2026. (2026-03-20)
- [IFSCA: New IFSCA FinTech Sandbox Framework replaces 2022 FinTech entity rules](https://sumitkasardekar.com/regulations#r-ifsca-new-ifsca-fintech-sandbox-framework-replaces-2022-): Fintechs, including foreign ones, can test products in GIFT City under the new rules. Existing 2022 authorisations continue until they expire. (2026-03-16)
- [MCA: Companies Compliance Facilitation Scheme 2026 for pending annual filings](https://sumitkasardekar.com/regulations#r-mca-companies-compliance-facilitation-scheme-2026-for-pe): The window has closed. Companies that missed it now pay normal additional fees on late filings. (2026-02-24)
- [DPIIT: Cabinet approves ₹10,000 crore Startup India Fund of Funds 2.0](https://sumitkasardekar.com/regulations#r-dpiit-cabinet-approves-rs-10-000-crore-startup-india-fun): More VC money should flow to smaller funds and to startups outside the metros. Founders raise from the AIFs, not from the government directly. (2026-02-14)
- [RBI: Banks allowed to fund acquisitions by Indian companies](https://sumitkasardekar.com/regulations#r-rbi-banks-allowed-to-fund-acquisitions-by-indian-compani): Indian companies, including mid-sized firms, can now use bank loans to buy other businesses instead of relying only on NBFCs or foreign funds. (2026-02-13)
- [MeitY: IT Rules amended: AI-generated content must be labelled, takedowns within 3 hours](https://sumitkasardekar.com/regulations#r-meity-it-rules-amended-ai-generated-content-must-be-labe): If your product lets users create or share AI content, add labelling, metadata and user warnings. Tighten your takedown and grievance response times. (2026-02-10)
- [RBI: Collateral-free MSE loans raised from ₹10 lakh to ₹20 lakh](https://sumitkasardekar.com/regulations#r-rbi-collateral-free-mse-loans-raised-from-rs-10-lakh-to-): If you run a micro or small unit, a bank cannot insist on property or other collateral for loans up to ₹20 lakh sanctioned or renewed from 1 April 2026. Quote this rule if asked. (2026-02-09)
- [FEMA: New ECB framework: any incorporated entity can borrow up to USD 1 billion](https://sumitkasardekar.com/regulations#r-fema-new-ecb-framework-any-incorporated-entity-can-borro): Startups and LLPs no longer need a special route to raise foreign debt. Check maturity, cost and reporting rules with your AD bank. (2026-02-09)
- [DPIIT: Startup definition widened: ₹200 crore turnover; deep tech gets 20 years and ₹300 crore](https://sumitkasardekar.com/regulations#r-dpiit-startup-definition-widened-rs-200-crore-turnover-d): More growing companies keep startup status and its benefits for longer. Deep tech firms can stay recognised for up to 20 years. (2026-02-05)
- [Income Tax: MAT becomes a final tax at 14%, MAT credit set-off only in the new regime](https://sumitkasardekar.com/regulations#r-cbdt-mat-becomes-a-final-tax-at-14-mat-credit-set-off-on): Companies holding MAT credit should model whether moving to the lower-rate new regime now saves more tax. (2026-02-01)
- [Income Tax: Share buybacks taxed as capital gains, with extra tax for promoters](https://sumitkasardekar.com/regulations#r-cbdt-share-buybacks-taxed-as-capital-gains-with-extra-ta): Founders and promoters planning cash returns through buybacks should recompute tax before choosing between buyback and dividend. (2026-02-01)
- [Income Tax: TCS rates cut: 2% on scrap and minerals, 2% on LRS for education and medical](https://sumitkasardekar.com/regulations#r-cbdt-tcs-rates-cut-2-on-scrap-and-minerals-2-on-lrs-for-): Scrap and mineral traders collect less tax at source. Customers remitting abroad for other purposes face a higher 20% TCS above ₹10 lakh. (2026-02-01)
- [RBI: Banks told to pass on export credit interest subvention under Export Promotion Mission](https://sumitkasardekar.com/regulations#r-rbi-banks-told-to-pass-on-export-credit-interest-subvent): Eligible exporters should ask their bank for the subvention on rupee export credit and check claims are filed. (2026-01-19)
- [RBI: New RBI Integrated Ombudsman Scheme 2026 and Internal Ombudsman rules](https://sumitkasardekar.com/regulations#r-rbi-new-rbi-integrated-ombudsman-scheme-2026-and-interna): If a bank or NBFC does not resolve your complaint, escalate to the RBI Ombudsman. Compensation available is higher under the new scheme. (2026-01-16)
- [RBI: Large non-bank wallet issuers must appoint an Internal Ombudsman](https://sumitkasardekar.com/regulations#r-rbi-large-non-bank-wallet-issuers-must-appoint-an-intern): Wallet users get a second internal review before a complaint is rejected. Larger wallet fintechs need to set up the office and processes. (2026-01-14)
- [FEMA: New FEMA export and import regulations replace old Master Directions](https://sumitkasardekar.com/regulations#r-fema-new-fema-export-and-import-regulations-replace-old-): Small exporters and importers face fewer paperwork steps with their bank. Read the new rules on realisation periods and set-off. (2026-01-13)
- [FEMA: New FEMA Guarantees Regulations 2026 with single reporting form](https://sumitkasardekar.com/regulations#r-fema-new-fema-guarantees-regulations-2026-with-single-re): If your company gives or takes a guarantee involving a foreign party, report it in Form GRN through your bank. (2026-01-12)
- [DGFT: 2.75% interest subvention and collateral guarantee launched for MSME export credit](https://sumitkasardekar.com/regulations#r-dgft-2-75-interest-subvention-and-collateral-guarantee-l): Ask your bank whether your products are on the positive list. RBI is to issue operating guidelines. (2026-01-02)
- [MCA: Director KYC moves from yearly to once every three years](https://sumitkasardekar.com/regulations#r-mca-director-kyc-moves-from-yearly-to-once-every-three-y): Directors file KYC once in three years instead of every year. Keep your mobile and email on the MCA record up to date in between. (2025-12-31)
- [RBI: Phase 2 of continuous cheque clearing postponed; session timings revised](https://sumitkasardekar.com/regulations#r-rbi-phase-2-of-continuous-cheque-clearing-postponed-sess): Deposit cheques before 3 pm for same-day processing. Faster Phase 2 confirmation timelines are on hold for now. (2025-12-24)
- [IFSCA: IFSCA eases fund manager rules: repeated fundraising extensions and wider KMP experience](https://sumitkasardekar.com/regulations#r-ifsca-ifsca-eases-fund-manager-rules-repeated-fundraisin): Fund managers in GIFT City get more time to close a fund, which helps first-time managers raising capital for startups. (2025-12-22)
- [IRDAI: Insurance laws amended to allow 100% foreign investment in insurers](https://sumitkasardekar.com/regulations#r-irdai-insurance-laws-amended-to-allow-100-foreign-invest): More global insurers may enter or expand in India, which could mean more products and price competition for business and employee covers. (2025-12-20)
- [PFRDA: NPS exit rules eased: private-sector subscribers can take 80% as lump sum](https://sumitkasardekar.com/regulations#r-pfrda-nps-exit-rules-eased-private-sector-subscribers-ca): Makes NPS more attractive for founders, the self-employed and corporate NPS staff, since more of the corpus is accessible at retirement. (2025-12-12)
- [RBI: Current account and OD rules for businesses relaxed](https://sumitkasardekar.com/regulations#r-rbi-current-account-and-od-rules-for-businesses-relaxed): Most MSMEs and startups can keep current accounts with any bank. Larger borrowers should check which banks may hold their accounts. (2025-12-11)
- [SEBI: Accredited-investor-only AIF schemes allowed; large value fund minimum cut to ₹25 crore](https://sumitkasardekar.com/regulations#r-sebi-accredited-investor-only-aif-schemes-allowed-large-): Expect more funds built only for accredited investors. For founders this can mean quicker fund setups and more capital for private rounds. (2025-12-08)
- [RBI: Repo rate cut to 5.25%](https://sumitkasardekar.com/regulations#r-rbi-repo-rate-cut-to-5-25): Total cut since February 2025 reached 125 basis points. Repo-linked loans should reflect this at the next reset. (2025-12-05)
- [RBI: Credit bureau reporting moves to weekly updates](https://sumitkasardekar.com/regulations#r-rbi-credit-bureau-reporting-moves-to-weekly-updates): Your credit score now reflects repayments, new loans and defaults within about a week. Clean up overdue accounts before applying for new credit. (2025-12-04)
- [DoT: Sanchar Saathi app pre-install order for phones withdrawn](https://sumitkasardekar.com/regulations#r-dot-sanchar-saathi-app-pre-install-order-for-phones-with): No action needed for phone sellers. The app stays available for checking IMEIs and reporting fraud calls. (2025-12-03)
- [MCA: Small company limit raised to ₹10 crore capital and ₹100 crore turnover](https://sumitkasardekar.com/regulations#r-mca-small-company-limit-raised-to-rs-10-crore-capital-an): Many more private companies now qualify as small companies, with lighter compliance such as only two board meetings a year, simpler annual filings and lower filing fees. (2025-12-01)
- [RBI: 9,000+ RBI circulars consolidated into 238 Master Directions](https://sumitkasardekar.com/regulations#r-rbi-9-000-rbi-circulars-consolidated-into-238-master-dir): Loan agreements and compliance manuals that cite old circulars need updating. FinTechs and NBFCs should map their policies to the new Directions. (2025-11-28)
- [DoT: SIM binding ordered for WhatsApp, Telegram and other messaging apps](https://sumitkasardekar.com/regulations#r-dot-sim-binding-ordered-for-whatsapp-telegram-and-other-): Businesses that run support or sales on WhatsApp Web or similar tools will need to re-link devices often. Plan for device and SIM management. (2025-11-28)
- [Labour: Four Labour Codes take effect, replacing 29 labour laws](https://sumitkasardekar.com/regulations#r-labour-four-labour-codes-take-effect-replacing-29-labour): Review employment contracts, salary structures and HR policies. Issue appointment letters to all workers and move to single registration and returns. (2025-11-21)
- [Labour: Labour Codes: one definition of wages, floor wage and timely pay for all](https://sumitkasardekar.com/regulations#r-labour-labour-codes-one-definition-of-wages-floor-wage-a): Check CTC structures. If basic pay is below half of total pay, PF and gratuity costs will rise. Pay wages on time to avoid penalties. (2025-11-21)
- [Labour: Gig and platform workers get social security; aggregators to pay 1-2% of turnover](https://sumitkasardekar.com/regulations#r-labour-gig-and-platform-workers-get-social-security-aggr): Delivery, ride, home services and quick commerce platforms should budget for this levy and keep clean worker payout data. (2025-11-21)
- [Labour: Fixed-term employees get gratuity after one year and equal benefits](https://sumitkasardekar.com/regulations#r-labour-fixed-term-employees-get-gratuity-after-one-year-): Fixed-term hiring is clearly allowed but no longer cheaper. Provide for pro-rata gratuity in project and contract hiring budgets. (2025-11-21)
- [Labour: ESIC extended pan-India; free health check-ups for workers over 40](https://sumitkasardekar.com/regulations#r-labour-esic-extended-pan-india-free-health-check-ups-for): Small units can opt into ESIC for staff health cover. Factory and hazardous units must register even with one worker. (2025-11-21)
- [Labour: Industrial Relations Code: lay-off approval threshold raised to 300 workers](https://sumitkasardekar.com/regulations#r-labour-industrial-relations-code-lay-off-approval-thresh): Growing manufacturers get more hiring flexibility. Retrenchment now also needs a contribution to the re-skilling fund. (2025-11-21)
- [RBI: Loan moratorium and longer export credit for tariff-hit exporters](https://sumitkasardekar.com/regulations#r-rbi-loan-moratorium-and-longer-export-credit-for-tariff-): If US tariffs hit your export orders, ask your bank about this relief. It does not count as restructuring. (2025-11-14)
- [FEMA: Export proceeds realisation time raised from 9 to 15 months](https://sumitkasardekar.com/regulations#r-fema-export-proceeds-realisation-time-raised-from-9-to-1): Exporters with slow-paying buyers get more time before FEMA non-compliance kicks in. (2025-11-13)
- [MeitY: DPDP Rules 2025 notified, Data Protection Board set up first](https://sumitkasardekar.com/regulations#r-meity-dpdp-rules-2025-notified-data-protection-board-set): The privacy law is now live in stages. Use the transition window to map what personal data you collect, why, and who you share it with. (2025-11-13)
- [MeitY: DPDP phase 2: Consent Manager registration opens from 13 Nov 2026](https://sumitkasardekar.com/regulations#r-meity-dpdp-phase-2-consent-manager-registration-opens-fr): Relevant if you plan to build or use a consent platform. Consumers will be able to give and withdraw consent through registered Consent Managers. (2025-11-13)
- [MeitY: DPDP phase 3: core consent, notice, security and breach duties apply from 13 May 2027](https://sumitkasardekar.com/regulations#r-meity-dpdp-phase-3-core-consent-notice-security-and-brea): Have clear consent notices, a contact for data queries, security controls and a breach plan ready by May 2027. MeitY consulted on shortening this window in early 2026, so watch for changes. (2025-11-13)
- [DGFT: Export Promotion Mission approved with ₹25,060 crore outlay](https://sumitkasardekar.com/regulations#r-dgft-export-promotion-mission-approved-with-rs-25-060-cr): MSME and first-time exporters should track DGFT notices for finance, certification and trade-fair support under the mission. (2025-11-12)
- [DGFT: Credit Guarantee Scheme for Exporters: up to ₹20,000 crore collateral-free credit](https://sumitkasardekar.com/regulations#r-dgft-credit-guarantee-scheme-for-exporters-up-to-rs-20-0): Exporters hit by demand shocks can ask their bank for extra working capital without new collateral. (2025-11-12)
- [RBI: RBI recognises first self-regulatory organisation for payment system operators](https://sumitkasardekar.com/regulations#r-rbi-rbi-recognises-first-self-regulatory-organisation-fo): Payment fintechs can expect industry-level codes of conduct and peer standards set through the SRO alongside RBI rules. (2025-11-11)
- [Consumer Affairs: Country-of-origin filter and disclosure for e-commerce, applies from 1 Jul 2027](https://sumitkasardekar.com/regulations#r-consumer-country-of-origin-filter-and-disclosure-for-e-c): Marketplaces and D2C brands should capture country of origin for every listing and build the filter before July 2027. (2025-11-10)
- [MeitY: India AI Governance Guidelines released](https://sumitkasardekar.com/regulations#r-meity-india-ai-governance-guidelines-released): No new AI licence, but expect sector regulators (RBI, SEBI and others) to apply these principles. Document how your AI tools are tested, explained and overseen by people. (2025-11-05)
- [Consumer Affairs: Legal Metrology rules aligned with Medical Device Rules for labelling](https://sumitkasardekar.com/regulations#r-consumer-legal-metrology-rules-aligned-with-medical-devi): Sellers of medical devices, including online, follow one labelling standard. Check listings show the required declarations. (2025-10-29)
- [MeitY: IT Rules: only senior officers can order content takedowns](https://sumitkasardekar.com/regulations#r-meity-it-rules-only-senior-officers-can-order-content-ta): Platforms and apps hosting user content get clearer, more accountable takedown requests. Keep a process to act on valid orders quickly. (2025-10-22)
- [DoT: Telecom Cyber Security Rules amended: Mobile Number Validation platform for apps and lenders](https://sumitkasardekar.com/regulations#r-dot-telecom-cyber-security-rules-amended-mobile-number-v): Banks, fintechs and apps that use mobile numbers for KYC or login may be asked to validate numbers and share data in set cases. Phone resellers must check IMEIs. (2025-10-22)
- [Labour: EPFO simplifies partial withdrawals and cuts penal damages](https://sumitkasardekar.com/regulations#r-labour-epfo-simplifies-partial-withdrawals-and-cuts-pena): Employers with past late PF deposits can settle at lower penal damages. Employees get easier access to PF. (2025-10-13)
- [NPCI: Users can see and move all UPI AutoPay mandates from any UPI app](https://sumitkasardekar.com/regulations#r-npci-users-can-see-and-move-all-upi-autopay-mandates-fro): Customers can find and cancel subscriptions more easily. Subscription businesses should expect more cancellations of forgotten mandates and keep value clear. (2025-10-07)
- [NPCI: UPI payments can be approved with face or fingerprint instead of PIN](https://sumitkasardekar.com/regulations#r-npci-upi-payments-can-be-approved-with-face-or-fingerpri): Faster checkout for small payments at counters and in apps. Customers can still use the PIN. (2025-10-07)
- [FEMA: Exporters' foreign currency accounts in GIFT IFSC get 3 months to repatriate](https://sumitkasardekar.com/regulations#r-fema-exporters-foreign-currency-accounts-in-gift-ifsc-ge): Using an IFSC Banking Unit account in GIFT City gives exporters more time to hold and use foreign currency. (2025-10-06)
- [CCI: CCI publishes market study on AI and competition](https://sumitkasardekar.com/regulations#r-cci-cci-publishes-market-study-on-ai-and-competition): Not a rule, but a signal of what CCI may watch in AI markets, such as access to data, compute and distribution. Useful reading for AI startups. (2025-10-06)
- [FEMA: Export and import bills up to ₹10 lakh can be closed on self-declaration](https://sumitkasardekar.com/regulations#r-fema-export-and-import-bills-up-to-rs-10-lakh-can-be-clo): Small exporters and importers can clear old pending entries with a simple declaration instead of chasing documents. (2025-10-01)
- [DGFT: India-EFTA trade agreement (TEPA) in force](https://sumitkasardekar.com/regulations#r-dgft-india-efta-trade-agreement-tepa-in-force): Exporters to EFTA countries can claim lower tariffs with a valid certificate of origin. Importers of Swiss and Norwegian goods may also pay less duty. (2025-10-01)
- [DGFT: RoDTEP extended to 31 March 2026 for all exporter categories](https://sumitkasardekar.com/regulations#r-dgft-rodtep-extended-to-31-march-2026-for-all-exporter-c): Exporters could keep pricing RoDTEP benefits into contracts through FY 2025-26. (2025-09-30)
- [RBI: Floating-rate loan reset rules eased; banks can cut spreads earlier](https://sumitkasardekar.com/regulations#r-rbi-floating-rate-loan-reset-rules-eased-banks-can-cut-s): You can ask your bank to cut the spread on an existing loan to match new customers. Do not assume a fixed-rate switch will be offered at reset. (2025-09-29)
- [RBI: Banks can give working capital to jewellers and gold users against gold](https://sumitkasardekar.com/regulations#r-rbi-banks-can-give-working-capital-to-jewellers-and-gold): Jewellery makers and other manufacturers using gold can now raise working capital against their gold stock, though not for investment or speculation. (2025-09-29)
- [RBI: New authentication rules for digital payments allow options beyond SMS OTP](https://sumitkasardekar.com/regulations#r-rbi-new-authentication-rules-for-digital-payments-allow-): Payment checkouts may change, with fewer OTP steps for low-risk payments and extra checks for risky ones. Fintechs and gateways had to be compliant by 1 April 2026. (2025-09-25)
- [GST: GST Appellate Tribunal (GSTAT) launched with online appeal filing](https://sumitkasardekar.com/regulations#r-gst-gst-appellate-tribunal-gstat-launched-with-online-ap): Businesses with GST disputes stuck after first appeal now have a tribunal to go to before the High Court. If you had old orders pending, the backlog filing window ran to 30 June 2026. (2025-09-24)
- [SEBI: Social Stock Exchange opened to more NGOs and wider social activities](https://sumitkasardekar.com/regulations#r-sebi-social-stock-exchange-opened-to-more-ngos-and-wider): NGOs and social enterprises have an easier path to raise money on the Social Stock Exchange. CSR-style projects now fit the eligibility list. (2025-09-19)
- [PFRDA: NPS Multiple Scheme Framework: private-sector subscribers can hold several schemes, up to 100% equity](https://sumitkasardekar.com/regulations#r-pfrda-nps-multiple-scheme-framework-private-sector-subsc): Employers running corporate NPS and self-employed founders get more investment choice, including equity-heavy options for long horizons. (2025-09-16)
- [RBI: Single Master Direction for online, offline and cross-border payment aggregators](https://sumitkasardekar.com/regulations#r-rbi-single-master-direction-for-online-offline-and-cross): Expect stricter merchant KYC from your gateway. Merchants onboarded till 31 Dec 2025 must be re-verified within a year. Small merchants with turnover under ₹40 lakh get a simpler process. (2025-09-15)
- [SEBI: Angel funds can take money only from accredited investors; deal limits widened](https://sumitkasardekar.com/regulations#r-sebi-angel-funds-can-take-money-only-from-accredited-inv): Founders can raise smaller or larger angel cheques through one fund. Angel investors need an accreditation certificate to keep investing through angel funds. (2025-09-10)
- [SEBI: AIFs can offer co-investment schemes to accredited investors](https://sumitkasardekar.com/regulations#r-sebi-aifs-can-offer-co-investment-schemes-to-accredited-): A startup raising a larger round can get extra money from a fund's investors through one vehicle, instead of many direct shareholders on the cap table. (2025-09-09)
- [Labour: ESIC Amnesty Scheme 2025 to settle old disputes](https://sumitkasardekar.com/regulations#r-labour-esic-amnesty-scheme-2025-to-settle-old-disputes): Window has closed. Units with pending ESIC disputes now need to resolve them through regular channels. (2025-09-09)
- [SEBI: Founders named as promoters can keep ESOPs granted a year before IPO filing](https://sumitkasardekar.com/regulations#r-sebi-founders-named-as-promoters-can-keep-esops-granted-): Founders no longer lose their stock options when they are classified as promoters at IPO. Grant founder options well over a year before you file. (2025-09-08)
- [MCA: Fast-track mergers opened to more unlisted companies and group firms](https://sumitkasardekar.com/regulations#r-mca-fast-track-mergers-opened-to-more-unlisted-companies): Group restructuring, such as merging sister companies or a subsidiary into the parent, can skip the NCLT and go through the quicker Regional Director route. (2025-09-04)
- [GST: GST 2.0: rates cut to two main slabs of 5% and 18%, with 40% for sin and luxury goods](https://sumitkasardekar.com/regulations#r-gst-gst-2-0-rates-cut-to-two-main-slabs-of-5-and-18-with): Re-check the HSN and rate on every product and service you sell or buy, update billing software and price lists, and watch for inverted duty (input tax higher than output tax) that may now let you claim refunds. (2025-09-03)
- [GST: GST removed on individual life and health insurance policies](https://sumitkasardekar.com/regulations#r-gst-gst-removed-on-individual-life-and-health-insurance-): Retail health and life cover became cheaper for customers. Insurers and distributors lose input tax credit on these products, so watch for changes in commissions and pricing. (2025-09-03)
- [GST: Automatic GST registration within 3 working days for small and low-risk applicants](https://sumitkasardekar.com/regulations#r-gst-automatic-gst-registration-within-3-working-days-for): Small new businesses, mostly B2C sellers, can get a GSTIN quickly without officer queries. Check the ₹2.5 lakh monthly limit on B2B tax before opting in. (2025-09-03)
- [GST: 90% provisional GST refunds for exporters and inverted duty cases](https://sumitkasardekar.com/regulations#r-gst-90-provisional-gst-refunds-for-exporters-and-inverte): Exporters and manufacturers with inverted duty should see working capital released faster. Keep returns and refund filings clean, since risk flags can push your claim to full scrutiny. (2025-09-03)
- [CERT-In: CERT-In releases 15 basic cyber security controls for MSMEs](https://sumitkasardekar.com/regulations#r-certin-cert-in-releases-15-basic-cyber-security-controls): A simple checklist to start cyber security without big spend. Large buyers and lenders may begin asking suppliers to show they follow it. (2025-09-01)
- [NPCI: UPI merchant limits raised to ₹5 lakh per payment for insurance, capital markets and more](https://sumitkasardekar.com/regulations#r-npci-upi-merchant-limits-raised-to-rs-5-lakh-per-payment): Businesses in these categories can collect larger payments by UPI instead of NEFT or cards. Banks may still set lower limits. (2025-08-28)
- [MeitY: Online Gaming Act 2025 bans all online money games](https://sumitkasardekar.com/regulations#r-meity-online-gaming-act-2025-bans-all-online-money-games): Payment firms, banks and ad platforms must not process or promote real-money games. Gaming startups must move to e-sports or free social games. (2025-08-22)
- [Income Tax: Income-tax Act 2025 replaces the 1961 Act from 1 April 2026](https://sumitkasardekar.com/regulations#r-cbdt-income-tax-act-2025-replaces-the-1961-act-from-1-ap): Section numbers, form names and the 'tax year' concept have changed. Update contracts, invoices, TDS templates and software that cite old section numbers. (2025-08-21)
- [Labour: PM Viksit Bharat Rozgar Yojana (ELI scheme) launched](https://sumitkasardekar.com/regulations#r-labour-pm-viksit-bharat-rozgar-yojana-eli-scheme-launche): Hiring new EPFO-registered staff can earn you incentives. Register on the PMVBRY portal and make sure new hires have UANs. (2025-08-15)
- [RBI: Cheques to clear within hours as CTS moves to continuous clearing](https://sumitkasardekar.com/regulations#r-rbi-cheques-to-clear-within-hours-as-cts-moves-to-contin): Cheque payments from customers can reach your account the same day instead of the next working day, which helps cash flow. (2025-08-13)
- [RBI: Co-lending framework widened to all banks and NBFCs](https://sumitkasardekar.com/regulations#r-rbi-co-lending-framework-widened-to-all-banks-and-nbfcs): NBFC and FinTech-led lenders get a clearer route to partner with banks. As a borrower, you get one blended rate and should see both lenders named upfront. (2025-08-06)
- [DGFT: E-Commerce Export Hubs being set up for small online exporters](https://sumitkasardekar.com/regulations#r-dgft-e-commerce-export-hubs-being-set-up-for-small-onlin): Small brands selling abroad through marketplaces should watch for a hub near them to cut logistics cost and handle returns more easily. (2025-08-05)
- [Labour: UAN generation through Face Authentication made mandatory](https://sumitkasardekar.com/regulations#r-labour-uan-generation-through-face-authentication-made-m): HR teams should guide new joiners to create UANs on UMANG themselves. Bulk employer generation is limited to special cases. (2025-08-01)
- [NPCI: UPI 'collect requests' between individuals discontinued](https://sumitkasardekar.com/regulations#r-npci-upi-collect-requests-between-individuals-discontinu): You can no longer send a UPI money request to an individual's personal account. Use QR codes, payment links or merchant collect flows instead. (2025-07-29)
- [CERT-In: CERT-In issues Comprehensive Cyber Security Audit Policy Guidelines](https://sumitkasardekar.com/regulations#r-certin-cert-in-issues-comprehensive-cyber-security-audit): If you need a CERT-In audit (common for fintechs and regulated entities), expect a standard scope and remediation follow-up. Budget for an annual audit. (2025-07-25)
- [Labour: ESIC SPREE 2025: register staff without past dues or inspections](https://sumitkasardekar.com/regulations#r-labour-esic-spree-2025-register-staff-without-past-dues-): Window has closed. Units still unregistered now face normal penalties and backdated dues. (2025-07-14)
- [RBI: Voluntary gold pledge allowed on collateral-free MSME loans](https://sumitkasardekar.com/regulations#r-rbi-voluntary-gold-pledge-allowed-on-collateral-free-msm): Pledging gold is your choice, not a condition. A bank still cannot demand it for a loan within the collateral-free limit. (2025-07-11)
- [RBI: No prepayment charges on floating-rate loans to individuals and MSEs](https://sumitkasardekar.com/regulations#r-rbi-no-prepayment-charges-on-floating-rate-loans-to-indi): You can prepay or switch a floating-rate business loan without a penalty, from any source of funds and with no lock-in. Use this to refinance when a cheaper lender is available. (2025-07-02)
- [RBI: Due diligence rules for AePS touchpoint operators (banking agents)](https://sumitkasardekar.com/regulations#r-rbi-due-diligence-rules-for-aeps-touchpoint-operators-ba): Banking correspondents and kirana-style agents offering AePS face stricter onboarding and monitoring. Fintechs running agent networks need tighter KYC and fraud controls. (2025-06-27)
- [MSME: Online Dispute Resolution portal for delayed MSE payments](https://sumitkasardekar.com/regulations#r-msme-online-dispute-resolution-portal-for-delayed-mse-pa): If a buyer does not pay within 45 days, you can file and track the case online without travelling to a council. (2025-06-27)
- [Labour: EPFO auto-settlement limit for advance claims raised to ₹5 lakh](https://sumitkasardekar.com/regulations#r-labour-epfo-auto-settlement-limit-for-advance-claims-rai): Staff get PF advances faster, which reduces requests for salary advances from employers. (2025-06-24)
- [SEBI: IPO rules eased for startups returning to India (reverse flipping)](https://sumitkasardekar.com/regulations#r-sebi-ipo-rules-eased-for-startups-returning-to-india-rev): Startups that move their holding company back to India can list sooner, and their investors can sell in the IPO. This removes a common hurdle in reverse flipping. (2025-06-18)
- [SEBI: Key shareholders must convert shares to demat before IPO filing](https://sumitkasardekar.com/regulations#r-sebi-key-shareholders-must-convert-shares-to-demat-befor): If you plan an IPO, get every major shareholder and employee holding into demat early. Physical certificates will delay the filing. (2025-06-18)
- [TRAI: TRAI and RBI start Digital Consent Acquisition pilot with banks](https://sumitkasardekar.com/regulations#r-trai-trai-and-rbi-start-digital-consent-acquisition-pilo): Offline or paper consent for marketing will count for less. Lenders and fintechs should plan to record customer consent on the operators' digital registry. (2025-06-13)
- [RBI: KYC update made easier; low-risk accounts get grace till June 2026](https://sumitkasardekar.com/regulations#r-rbi-kyc-update-made-easier-low-risk-accounts-get-grace-t): Fewer frozen accounts for small customers. Merchants and staff with pending KYC can update through a BC instead of a branch visit. (2025-06-12)
- [GST: GSTR-3B sales liability locked: no edits from the July 2025 return](https://sumitkasardekar.com/regulations#r-gst-gstr-3b-sales-liability-locked-no-edits-from-the-jul): Get sales data right in GSTR-1, or fix it via GSTR-1A, before filing GSTR-3B. Your accountant can no longer quietly adjust liability in the summary return. (2025-06-07)
- [GST: GST returns barred after three years from their due date](https://sumitkasardekar.com/regulations#r-gst-gst-returns-barred-after-three-years-from-their-due-): Old unfiled returns can no longer be filed at all, which can block registration revival and ITC for buyers. Clear any pending returns now. (2025-06-07)
- [Consumer Affairs: CCPA tells e-commerce platforms to self-audit for dark patterns within 3 months](https://sumitkasardekar.com/regulations#r-consumer-ccpa-tells-e-commerce-platforms-to-self-audit-f): Remove fake urgency, hidden charges, pre-ticked add-ons and forced sign-ups from your checkout. CCPA is issuing notices and fines. (2025-06-07)
- [RBI: Repo rate cut by 50 basis points to 5.50%](https://sumitkasardekar.com/regulations#r-rbi-repo-rate-cut-by-50-basis-points-to-5-50): A larger cut. Good time to compare your loan rate with what new borrowers get, and ask for a lower spread or refinance if the gap is wide. (2025-06-06)
- [RBI: Gold and silver loan rules harmonised; LTV up to 85% for small loans](https://sumitkasardekar.com/regulations#r-rbi-gold-and-silver-loan-rules-harmonised-ltv-up-to-85-f): Small gold loans get higher funding against the same jewellery. Full compliance is due by 1 April 2026, so expect revised documents and assaying at renewal. (2025-06-06)
- [DGFT: RoDTEP restored for Advance Authorisation, SEZ and EOU exporters](https://sumitkasardekar.com/regulations#r-dgft-rodtep-restored-for-advance-authorisation-sez-and-e): Exporters importing duty-free inputs or operating in SEZs and EOUs can again claim RoDTEP on eligible exports. (2025-06-01)
- [NPCI: UPI API limits: 50 balance checks a day per app, AutoPay outside peak hours](https://sumitkasardekar.com/regulations#r-npci-upi-api-limits-50-balance-checks-a-day-per-app-auto): Subscription businesses using UPI AutoPay may see debits processed at off-peak times. Fintech apps must rate-limit and queue background API calls or face penalties. (2025-05-21)
- [DPIIT: Credit guarantee for startup loans raised to ₹20 crore per borrower](https://sumitkasardekar.com/regulations#r-dpiit-credit-guarantee-for-startup-loans-raised-to-rs-20): Recognised startups can ask banks, NBFCs and venture debt funds for larger collateral-free loans backed by the government guarantee. (2025-05-09)
- [RBI: Digital Lending Directions 2025 consolidate app-lending rules](https://sumitkasardekar.com/regulations#r-rbi-digital-lending-directions-2025-consolidate-app-lend): Before borrowing through an app, check that it is listed in RBI's digital lending app directory. FinTechs acting as LSPs must show offers neutrally and follow KFS and data rules. (2025-05-08)
- [NPCI: UPI response times cut: status checks and reversals within 10 seconds](https://sumitkasardekar.com/regulations#r-npci-upi-response-times-cut-status-checks-and-reversals-): Faster confirmation of whether a customer's payment succeeded, and quicker reversals for failed payments at the counter. (2025-04-26)
- [NPCI: UPI apps must show only the bank-registered name of the payee](https://sumitkasardekar.com/regulations#r-npci-upi-apps-must-show-only-the-bank-registered-name-of): Customers will see your bank-registered name when paying. Make sure your business account name matches your brand or invoices, to avoid payers backing out. (2025-04-24)
- [RBI: Repo rate cut to 6.00%](https://sumitkasardekar.com/regulations#r-rbi-repo-rate-cut-to-6-00): A second cut in a row. Floating-rate business and home loans tied to the repo rate should get cheaper at the next reset date. (2025-04-09)
- [RBI: NPCI allowed to set higher UPI merchant payment limits; P2P stays at ₹1 lakh](https://sumitkasardekar.com/regulations#r-rbi-npci-allowed-to-set-higher-upi-merchant-payment-limi): Opened the door for higher UPI limits on business payments such as insurance, investments and B2B collections. Check your bank's own cap. (2025-04-09)
- [RBI: New priority-sector lending rules: bigger housing and renewable-energy limits](https://sumitkasardekar.com/regulations#r-rbi-new-priority-sector-lending-rules-bigger-housing-and): Banks have more incentive to lend to MSMEs, renewable-energy projects and affordable housing. Use your PSL status when negotiating rates. (2025-03-24)
- [MSME: MSME limits raised: micro up to ₹10 crore turnover, medium up to ₹500 crore](https://sumitkasardekar.com/regulations#r-msme-msme-limits-raised-micro-up-to-rs-10-crore-turnover): Many firms move to a smaller category and keep MSME benefits such as priority lending, 45-day payment protection and procurement preferences. Update your Udyam details. (2025-03-21)
- [MSME: CGTMSE guarantee cover doubled to ₹10 crore, fees cut](https://sumitkasardekar.com/regulations#r-msme-cgtmse-guarantee-cover-doubled-to-rs-10-crore-fees-): MSEs can seek larger loans without collateral or third-party guarantee. Ask your bank to cover eligible loans under CGTMSE. (2025-03-18)
- [SEBI: SME IPO rules tightened: ₹1 crore operating profit test, 20% cap on offer for sale](https://sumitkasardekar.com/regulations#r-sebi-sme-ipo-rules-tightened-rs-1-crore-operating-profit): An SME planning an IPO needs a real profit track record and must raise mostly fresh capital for the business. Early backers cannot exit through a large share sale in the IPO. (2025-03-04)
- [RBI: Higher risk weights on bank loans to NBFCs rolled back](https://sumitkasardekar.com/regulations#r-rbi-higher-risk-weights-on-bank-loans-to-nbfcs-rolled-ba): NBFC funding from banks should get cheaper, which can ease loan rates for MSMEs that borrow from NBFCs. (2025-02-25)
- [IFSCA: GIFT City fund rules: venture capital scheme minimum corpus cut to USD 3 million](https://sumitkasardekar.com/regulations#r-ifsca-gift-city-fund-rules-venture-capital-scheme-minimu): Smaller VC and angel-style funds can now set up in GIFT City, which can mean more dollar funding options for Indian startups. (2025-02-19)
- [IRDAI: Bima-ASBA: life and health premiums can be blocked via UPI until the policy is issued](https://sumitkasardekar.com/regulations#r-irdai-bima-asba-life-and-health-premiums-can-be-blocked-): Money stays in your account while the insurer underwrites. Payment fintechs and banks get a new UPI mandate use case. (2025-02-18)
- [RBI: Small finance banks allowed to offer pre-sanctioned credit lines on UPI](https://sumitkasardekar.com/regulations#r-rbi-small-finance-banks-allowed-to-offer-pre-sanctioned-): Small businesses and new-to-credit borrowers may get small working-capital lines usable at any UPI QR, from more lenders. (2025-02-12)
- [MCA: Demat deadline for private companies extended to 30 June 2025](https://sumitkasardekar.com/regulations#r-mca-demat-deadline-for-private-companies-extended-to-30-): If your private company is not a small company, all shares must now be in demat form. Physical transfers cannot be registered and new allotments must be in demat. (2025-02-12)
- [TRAI: TRAI tightens spam rules: message tags, consent limits, 10-digit numbers barred](https://sumitkasardekar.com/regulations#r-trai-trai-tightens-spam-rules-message-tags-consent-limit): Do not use ordinary 10-digit numbers for sales calls. Use 140 series for promotions and 1600 series for service calls, and keep consent records. (2025-02-12)
- [NPCI: UPI chargebacks auto-accepted or rejected based on the beneficiary bank's status](https://sumitkasardekar.com/regulations#r-npci-upi-chargebacks-auto-accepted-or-rejected-based-on-): Merchants have less time to argue a disputed payment. Keep delivery and refund records ready, and process refunds quickly to avoid automatic chargebacks. (2025-02-10)
- [RBI: Repo rate cut to 6.25%, first cut in nearly five years](https://sumitkasardekar.com/regulations#r-rbi-repo-rate-cut-to-6-25-first-cut-in-nearly-five-years): Loans linked to the repo rate (EBLR) should reprice lower at the next reset. Ask your bank when your rate resets and check that the cut is passed on. (2025-02-07)
- [Income Tax: No income tax up to ₹12 lakh under the new regime](https://sumitkasardekar.com/regulations#r-cbdt-no-income-tax-up-to-rs-12-lakh-under-the-new-regime): More take-home pay for staff and sole proprietors. Recheck payroll TDS and your own advance tax. (2025-02-01)
- [Income Tax: TDS and TCS eased: rent TDS limit ₹6 lakh a year, TCS on sale of goods removed](https://sumitkasardekar.com/regulations#r-cbdt-tds-and-tcs-eased-rent-tds-limit-rs-6-lakh-a-year-t): Fewer small payments need TDS, and sellers with large turnover no longer collect TCS on sales. Update vendor and customer tax settings in your ERP. (2025-02-01)
- [Income Tax: Updated income tax return window extended from 2 to 4 years](https://sumitkasardekar.com/regulations#r-cbdt-updated-income-tax-return-window-extended-from-2-to): If you missed income or made errors in older returns, you have longer to fix them voluntarily before a notice. The extra tax rises the later you file. (2025-02-01)
- [Income Tax: Startup tax holiday extended to companies incorporated before 1 April 2030](https://sumitkasardekar.com/regulations#r-cbdt-startup-tax-holiday-extended-to-companies-incorpora): DPIIT-recognised startups formed up to March 2030 can still apply for the three-year tax holiday on profits. (2025-02-01)
- [IRDAI: Health premium hikes for senior citizens capped at 10% a year](https://sumitkasardekar.com/regulations#r-irdai-health-premium-hikes-for-senior-citizens-capped-at): Older founders, partners and family members get more predictable health premiums. Factor this in when choosing individual covers. (2025-01-30)
- [MSME: Mutual Credit Guarantee Scheme: 60% cover on machinery loans up to ₹100 crore](https://sumitkasardekar.com/regulations#r-msme-mutual-credit-guarantee-scheme-60-cover-on-machiner): Makes it easier to finance a factory expansion or new machines without heavy collateral. Need a valid Udyam number. (2025-01-29)
- [PFRDA: Unified Pension Scheme notified as an option for central government NPS staff](https://sumitkasardekar.com/regulations#r-pfrda-unified-pension-scheme-notified-as-an-option-for-c): Applies only to central government employees, not private employers. Relevant if you hire ex-government staff or compare pension designs. (2025-01-24)
- [RBI: Banks, NBFCs and payment firms told to use 1600-series numbers and mobile revocation list](https://sumitkasardekar.com/regulations#r-rbi-banks-nbfcs-and-payment-firms-told-to-use-1600-serie): Fintechs and NBFCs must move service calls to the 1600 series once live and update their telecom setup. Customers can treat other numbers claiming to be their bank with suspicion. (2025-01-17)
- [FEMA: Exporters can hold foreign currency accounts abroad for export proceeds](https://sumitkasardekar.com/regulations#r-fema-exporters-can-hold-foreign-currency-accounts-abroad): Exporters with overseas buyers can collect in a foreign account and net off import payments, cutting conversion costs. (2025-01-14)
- [NPCI: UPI payments with special characters in transaction IDs are declined](https://sumitkasardekar.com/regulations#r-npci-upi-payments-with-special-characters-in-transaction): Fintechs and merchants with custom UPI integrations must check their ID formats, or customer payments will fail. (2025-01-09)
- [RBI: RTGS and NEFT must show the beneficiary's name before you send money](https://sumitkasardekar.com/regulations#r-rbi-rtgs-and-neft-must-show-the-beneficiary-s-name-befor): Before paying a new vendor or supplier, check that the displayed name matches the invoice. It cuts wrong credits and fake-invoice fraud. (2024-12-30)
- [RBI: Full-KYC wallets can now be used on any third-party UPI app](https://sumitkasardekar.com/regulations#r-rbi-full-kyc-wallets-can-now-be-used-on-any-third-party-): Wallet issuers lose app lock-in and must compete on features. Merchants can accept wallet money through the same UPI QR without separate wallet integrations. (2024-12-27)
- [GST: Input Service Distributor (ISD) route becomes mandatory for shared input services](https://sumitkasardekar.com/regulations#r-gst-input-service-distributor-isd-route-becomes-mandator): Multi-state businesses with a head office paying for shared services (software, audit, rent) need an ISD registration and monthly GSTR-6, or the branches' credit can be challenged. (2024-12-21)
- [GST: No GST on penal charges levied by banks and NBFCs on borrowers](https://sumitkasardekar.com/regulations#r-gst-no-gst-on-penal-charges-levied-by-banks-and-nbfcs-on): Lenders should not charge GST on penal charges, and borrowers can query it if it shows up on loan statements. (2024-12-21)
- [GST: E-way bills only for documents up to 180 days old, extensions capped at 360 days](https://sumitkasardekar.com/regulations#r-gst-e-way-bills-only-for-documents-up-to-180-days-old-ex): Generate e-way bills close to the invoice date and avoid moving goods on old documents. Long-stalled consignments need fresh paperwork. (2024-12-18)
- [SEBI: Optional T+0 settlement widened to top 500 stocks and all brokers](https://sumitkasardekar.com/regulations#r-sebi-optional-t-0-settlement-widened-to-top-500-stocks-a): Same-day settlement is slowly becoming available beyond the pilot. Do not plan cash flows on it yet, since large brokers are not yet required to offer it. (2024-12-10)
- [RBI: UPI Lite limits raised to ₹1,000 per payment and ₹5,000 wallet balance](https://sumitkasardekar.com/regulations#r-rbi-upi-lite-limits-raised-to-rs-1-000-per-payment-and-r): Shops with many small tickets get faster PIN-free UPI Lite payments for a wider range of bills, with fewer failures during bank server load. (2024-12-04)
- [SEBI: Large brokers must offer UPI block (ASBA-like) or 3-in-1 accounts for share trading](https://sumitkasardekar.com/regulations#r-sebi-large-brokers-must-offer-upi-block-asba-like-or-3-i): Investors with big brokers can keep money in their own bank account while trading. FinTechs building on UPI get a new block-and-debit use case in the stock market. (2024-11-11)
- [GST: E-invoices must be reported within 30 days for businesses with turnover of ₹10 crore or more](https://sumitkasardekar.com/regulations#r-gst-e-invoices-must-be-reported-within-30-days-for-busin): Mid-size businesses must generate IRNs promptly. A late invoice will be blocked, which can cost your buyer the input tax credit. Automate e-invoicing in your billing system. (2024-11-05)
- [TRAI: Bulk SMS must have a declared sender-to-telemarketer chain from 1 Dec 2024](https://sumitkasardekar.com/regulations#r-trai-bulk-sms-must-have-a-declared-sender-to-telemarkete): Ask your SMS vendor to confirm your telemarketer chain is registered on DLT so OTPs and alerts are not dropped. (2024-10-28)
- [SEBI: SEBI bars regulated entities from tie-ups with unregistered finfluencers](https://sumitkasardekar.com/regulations#r-sebi-sebi-bars-regulated-entities-from-tie-ups-with-unre): If you run a finance brand or app, paid promotions and referral deals with unregistered influencers are off the table. Influencers can still work on education content that makes no return claims. (2024-10-22)
- [Consumer Affairs: Greenwashing guidelines: green claims must be backed by proof](https://sumitkasardekar.com/regulations#r-consumer-greenwashing-guidelines-green-claims-must-be-ba): Check product pages, packaging and ads for green claims you cannot prove. Misleading claims count as misleading ads under consumer law. (2024-10-15)
- [RBI: UPI123Pay per-transaction limit for feature phones raised to ₹10,000](https://sumitkasardekar.com/regulations#r-rbi-upi123pay-per-transaction-limit-for-feature-phones-r): Merchants serving customers without smartphones, especially in rural areas, can accept higher-value UPI payments from feature-phone users. (2024-10-09)
- [GST: Self-invoice required within 30 days for reverse charge purchases from unregistered suppliers (Rule 47A)](https://sumitkasardekar.com/regulations#r-gst-self-invoice-required-within-30-days-for-reverse-cha): Set a monthly process to raise self-invoices for RCM purchases such as rent from unregistered landlords. Late self-invoicing can create interest and ITC timing issues. (2024-10-08)
- [GST: Invoice Management System (IMS) lets buyers accept or reject supplier invoices](https://sumitkasardekar.com/regulations#r-gst-invoice-management-system-ims-lets-buyers-accept-or-): Review supplier invoices in IMS each month before filing GSTR-3B. Rejecting wrong invoices early reduces ITC mismatch notices. Suppliers should expect rejections to show up. (2024-10-01)
- [SEBI: F&O curbs: index contract size raised to ₹15 lakh, one weekly expiry per exchange](https://sumitkasardekar.com/regulations#r-sebi-f-and-o-curbs-index-contract-size-raised-to-rs-15-l): Small traders need more capital per F&O trade and get fewer weekly expiries. Broking and trading apps had to change margin and product flows. (2024-10-01)
- [Income Tax: Direct Tax Vivad se Vishwas Scheme 2024 to settle pending income tax appeals](https://sumitkasardekar.com/regulations#r-cbdt-direct-tax-vivad-se-vishwas-scheme-2024-to-settle-p): Businesses with old income tax appeals could close them with interest and penalty relief. Check if any declaration you filed has a final settlement order. (2024-09-20)
- [PFRDA: NPS Vatsalya: pension account for children, from ₹250 a year](https://sumitkasardekar.com/regulations#r-pfrda-nps-vatsalya-pension-account-for-children-from-rs-): A tax-advantaged long-term saving option for children's future, open to NRIs and OCIs too. (2024-09-18)
- [DGFT: Duty drawback and RoDTEP extended to courier exports](https://sumitkasardekar.com/regulations#r-dgft-duty-drawback-and-rodtep-extended-to-courier-export): Small e-commerce exporters shipping by courier can now claim export incentives they could not claim earlier. (2024-09-12)
- [GST: Reverse charge on commercial rent paid to unregistered landlords](https://sumitkasardekar.com/regulations#r-gst-reverse-charge-on-commercial-rent-paid-to-unregister): If your office, shop or warehouse landlord is not GST registered, you must pay 18% GST on rent yourself and can usually claim it back as input tax credit. Issue a self-invoice. (2024-09-09)
- [GST: Pilot of B2C e-invoicing recommended](https://sumitkasardekar.com/regulations#r-gst-pilot-of-b2c-e-invoicing-recommended): Retailers should expect e-invoicing to reach consumer sales over time. Choose billing software that can generate IRNs for B2C invoices. (2024-09-09)
- [MCA: Reverse flipping made faster: foreign parent can merge into Indian arm via Regional Director](https://sumitkasardekar.com/regulations#r-mca-reverse-flipping-made-faster-foreign-parent-can-merg): Startups moving their base back to India can complete the merger in less time and at lower cost than the tribunal route. (2024-09-09)
- [CCI: Deals above ₹2,000 crore need CCI approval if target has big India business](https://sumitkasardekar.com/regulations#r-cci-deals-above-rs-2-000-crore-need-cci-approval-if-targ): Large acquisitions of Indian startups by big buyers now need CCI clearance. Factor approval time into deal timelines. (2024-09-09)
- [NPCI: UPI Circle lets a primary user delegate UPI payments to family or staff](https://sumitkasardekar.com/regulations#r-npci-upi-circle-lets-a-primary-user-delegate-upi-payment): Owners can let staff or family make small business payments from the business account without sharing the UPI PIN, within limits they control. (2024-08-29)
- [RBI: FASTag and NCMC auto top-up allowed under e-mandates without pre-debit alert](https://sumitkasardekar.com/regulations#r-rbi-fastag-and-ncmc-auto-top-up-allowed-under-e-mandates): Fleet owners and businesses with many vehicles can set FASTag auto top-ups so vehicles are not stopped at toll plazas for low balance. (2024-08-22)
- [TRAI: SMS with links blocked unless the URL, APK or OTT link is whitelisted](https://sumitkasardekar.com/regulations#r-trai-sms-with-links-blocked-unless-the-url-apk-or-ott-li): Register every link you send in OTPs, payment reminders or offers on your operator's DLT portal, or the message will not be delivered. (2024-08-20)
- [RBI: Lenders must update credit bureaus every fortnight](https://sumitkasardekar.com/regulations#r-rbi-lenders-must-update-credit-bureaus-every-fortnight): Repayments and closures show up in your CIBIL or other credit report faster. Missed payments also show faster, so watch due dates. (2024-08-08)
- [RBI: UPI limit for tax payments raised from ₹1 lakh to ₹5 lakh per transaction](https://sumitkasardekar.com/regulations#r-rbi-upi-limit-for-tax-payments-raised-from-rs-1-lakh-to-): Business owners can pay larger GST, advance tax or TDS dues through UPI in a single payment instead of splitting it or using net banking. (2024-08-08)
- [MCA: LLP closure applications moved to central C-PACE office](https://sumitkasardekar.com/regulations#r-mca-llp-closure-applications-moved-to-central-c-pace-off): Closing a dormant LLP is now a central, online process with set timelines, which should be faster than going through the local ROC. (2024-08-05)
- [MCA: Company law penalty hearings go faceless and online](https://sumitkasardekar.com/regulations#r-mca-company-law-penalty-hearings-go-faceless-and-online): Directors facing a penalty notice for a filing lapse can respond and attend hearings online, without visiting the ROC. (2024-08-05)
- [RBI: Revised wilful defaulter rules with right to be heard](https://sumitkasardekar.com/regulations#r-rbi-revised-wilful-defaulter-rules-with-right-to-be-hear): If a lender flags your account, you have a formal right to reply. Promoters and directors can also be named, so respond quickly with records. (2024-07-30)
- [Income Tax: Angel tax abolished for all classes of investors](https://sumitkasardekar.com/regulations#r-cbdt-angel-tax-abolished-for-all-classes-of-investors): Startups can raise funding at a premium without facing tax on the excess over valuation. Still keep a proper valuation report for FEMA and company law. (2024-07-23)
- [Income Tax: Capital gains reset: LTCG at 12.5%, STCG on listed equity at 20%](https://sumitkasardekar.com/regulations#r-cbdt-capital-gains-reset-ltcg-at-12-5-stcg-on-listed-equ): Founders selling shares, ESOP holders and investors should recompute exit tax. Unlisted shares now count as long-term after 24 months. (2024-07-23)
- [Income Tax: TDS rationalised: many 5% rates cut to 2%, e-commerce TDS cut to 0.1%](https://sumitkasardekar.com/regulations#r-cbdt-tds-rationalised-many-5-rates-cut-to-2-e-commerce-t): Online sellers get a smaller TDS cut from marketplace payouts, easing cash flow. Update TDS rate masters in your accounting software. (2024-07-23)
- [Income Tax: New tax regime: standard deduction raised to ₹75,000 and slabs widened](https://sumitkasardekar.com/regulations#r-cbdt-new-tax-regime-standard-deduction-raised-to-rs-75-0): Salaried staff got higher take-home pay. Employers should update payroll TDS computations. (2024-07-23)
- [RBI: Fraud classification needs show-cause notice and 21 days to reply](https://sumitkasardekar.com/regulations#r-rbi-fraud-classification-needs-show-cause-notice-and-21-): A fraud tag can block all future credit. If you get a show-cause notice, reply within the time given with documents. (2024-07-15)
- [GST: TCS collected by e-commerce operators cut from 1% to 0.5%](https://sumitkasardekar.com/regulations#r-gst-tcs-collected-by-e-commerce-operators-cut-from-1-to-): Online sellers get more cash in each payout and less credit sitting in the cash ledger. Reconcile marketplace TCS in GSTR-2B against your ledger each month. (2024-07-10)
- [GST: GST amnesty: interest and penalty waived on FY 2017-18 to 2019-20 demands (section 128A)](https://sumitkasardekar.com/regulations#r-gst-gst-amnesty-interest-and-penalty-waived-on-fy-2017-1): Businesses that took the scheme closed old GST demands by paying only tax. The payment window has closed, but check that your waiver application was accepted and the demand is shown as closed. (2024-06-22)
- [GST: New GSTR-1A lets you fix sales return errors before filing GSTR-3B](https://sumitkasardekar.com/regulations#r-gst-new-gstr-1a-lets-you-fix-sales-return-errors-before-): Use GSTR-1A to correct mistakes in the same month. It became the main correction route once GSTR-3B liability was locked from July 2025. (2024-06-22)
- [GST: Biometric Aadhaar authentication for GST registration to be rolled out nationwide](https://sumitkasardekar.com/regulations#r-gst-biometric-aadhaar-authentication-for-gst-registratio): Founders and directors may need to visit a GST facilitation centre for biometric verification and photo capture when registering. Plan for this in new-entity timelines. (2024-06-22)
- [DoT: First parts of Telecommunications Act 2023 come into force](https://sumitkasardekar.com/regulations#r-dot-first-parts-of-telecommunications-act-2023-come-into): The old Telegraph Act regime is being replaced. Rules under the new Act now drive telecom, SIM, spam and cyber security duties. (2024-06-21)
- [IRDAI: Life insurance: special surrender value after one year and 30-day free-look](https://sumitkasardekar.com/regulations#r-irdai-life-insurance-special-surrender-value-after-one-y): Exiting a life savings policy early returns more than before. Use the 30-day window to cancel any policy bought for keyman or staff benefits that does not fit. (2024-06-12)
- [DoT: New 160 number series for service and transactional calls](https://sumitkasardekar.com/regulations#r-dot-new-160-number-series-for-service-and-transactional-): Banks, NBFCs, insurers and fintechs should move customer service and alert calls to 160 numbers so customers trust and answer them. (2024-05-30)
- [IRDAI: Health insurers must approve cashless requests in 1 hour and discharge in 3 hours](https://sumitkasardekar.com/regulations#r-irdai-health-insurers-must-approve-cashless-requests-in-): Employees under your group health cover should get faster cashless approvals and discharges. Raise delays with the insurer or TPA. Also confirms a 30-day free-look period. (2024-05-29)
- [RBI: Lenders told to charge interest only from actual disbursement date](https://sumitkasardekar.com/regulations#r-rbi-lenders-told-to-charge-interest-only-from-actual-dis): Check your loan statements. Interest should start only when money reaches you and only for days outstanding. Ask for a refund if you were overcharged. (2024-04-29)
- [RBI: Key Facts Statement made mandatory for all retail and MSME term loans](https://sumitkasardekar.com/regulations#r-rbi-key-facts-statement-made-mandatory-for-all-retail-an): Before signing any term loan from 1 October 2024, ask for the KFS and compare APRs across lenders. Charges not listed in the KFS cannot be levied without your consent. (2024-04-15)
- [Income Tax: Section 43B(h): payments to micro and small suppliers beyond 45 days not deductible until paid](https://sumitkasardekar.com/regulations#r-cbdt-section-43b-h-payments-to-micro-and-small-suppliers): Buyers who delay paying MSE suppliers past 45 days lose the tax deduction for that year. MSE suppliers should register on Udyam and state payment terms in contracts. (2024-04-01)
- [SEBI: Optional same-day (T+0) settlement launched in beta for 25 stocks](https://sumitkasardekar.com/regulations#r-sebi-optional-same-day-t-0-settlement-launched-in-beta-f): Sellers in the beta stocks can get money the same day instead of the next day. It is optional, so nothing changes unless your broker offers it and you choose it. (2024-03-21)
- [IRDAI: Bima Sugam insurance marketplace regulations notified](https://sumitkasardekar.com/regulations#r-irdai-bima-sugam-insurance-marketplace-regulations-notif): One portal to compare and buy insurance for staff and business assets, and to manage policies and claims. Insurtechs and agents can plug into it. (2024-03-20)
- [CCI: Draft Digital Competition Bill proposes advance rules for big tech](https://sumitkasardekar.com/regulations#r-cci-draft-digital-competition-bill-proposes-advance-rule): Proposal only. If enacted, large platforms could face limits on self-preferencing and data use, which could help smaller sellers and apps that depend on them. (2024-03-12)
- [CCI: Merger filing asset and turnover thresholds raised by 25%](https://sumitkasardekar.com/regulations#r-cci-merger-filing-asset-and-turnover-thresholds-raised-b): Fewer mid-size deals need CCI approval on the asset and turnover test. Large tech deals may still be caught by the deal value test. (2024-03-08)
- [RBI: Credit card customers must be offered a choice of card network](https://sumitkasardekar.com/regulations#r-rbi-credit-card-customers-must-be-offered-a-choice-of-ca): When taking or renewing a business or personal credit card, you can ask for a network that suits you, for example RuPay for UPI linking or a network your vendors accept. (2024-03-06)
- [CCI: CCI settlement and commitment route for competition cases begins](https://sumitkasardekar.com/regulations#r-cci-cci-settlement-and-commitment-route-for-competition-): A business facing a CCI probe can end it early by offering changes or settling, instead of a long inquiry and appeal. (2024-03-06)
- [RBI: New Bharat Bill Payment System (BBPS) directions replace 2014 framework](https://sumitkasardekar.com/regulations#r-rbi-new-bharat-bill-payment-system-bbps-directions-repla): Businesses that collect recurring bills, and fintechs that run bill-payment apps, operate under one updated rulebook for Bharat Connect (BBPS) from 1 April 2024. (2024-02-29)
- [RBI: Banks and non-banks allowed to issue prepaid cards for public transport fares](https://sumitkasardekar.com/regulations#r-rbi-banks-and-non-banks-allowed-to-issue-prepaid-cards-f): Fintechs and transit operators can launch dedicated transit cards or wallets with lighter rules than full-KYC wallets. Commuter-facing businesses get another digital fare option. (2024-02-23)
- [MCA: Central Processing Centre starts handling company e-forms](https://sumitkasardekar.com/regulations#r-mca-central-processing-centre-starts-handling-company-e-): Filings like changes in company details are processed centrally, so approvals should be more consistent across states. (2024-02-16)
- [RBI: RBI stops Paytm Payments Bank from taking deposits, wallet top-ups and UPI credits](https://sumitkasardekar.com/regulations#r-rbi-rbi-stops-paytm-payments-bank-from-taking-deposits-w): Merchants and customers using Paytm Payments Bank accounts, wallets or @paytm settlement had to move to another bank. A reminder to keep a second collection and settlement account ready. (2024-01-31)
- [IFSCA: GIFT City payment services rules cover e-money, cross-border transfers and merchant acquiring](https://sumitkasardekar.com/regulations#r-ifsca-gift-city-payment-services-rules-cover-e-money-cro): Indian payment fintechs can use GIFT City as a regulated base to serve overseas markets, and those with foreign holding companies get a route to reverse flip. (2024-01-30)
- [MCA: Rules notified for Indian public companies to list shares directly abroad](https://sumitkasardekar.com/regulations#r-mca-rules-notified-for-indian-public-companies-to-list-s): Tech startups that want an overseas listing no longer need a foreign holding company to do it. GIFT IFSC exchanges are the first practical route. (2024-01-24)
- [RBI: Penal interest replaced by flat penal charges on loans](https://sumitkasardekar.com/regulations#r-rbi-penal-interest-replaced-by-flat-penal-charges-on-loa): A missed covenant or late payment should not push up your loan interest rate. Penal charges must be disclosed in the KFS and cannot attract further interest. (2023-12-29)

## India startup ecosystem

Incubators, accelerators, startup missions, chambers, communities and summits. Links go to each organisation's official website.

- [eChai Ventures](https://echai.ventures): Founder & business community, Ahmedabad, Gujarat. Founder network running startup meetups and demo days since 2009, with regular gatherings in Ahmedabad, Surat and Rajkot.
- [Gujarat Chamber of Commerce and Industry (GCCI)](https://www.gujaratchamber.org): Chamber of commerce, Ahmedabad, Gujarat. State-level chamber of commerce for Gujarat, headquartered in Ahmedabad.
- [GUSEC (Gujarat University Startup and Entrepreneurship Council) / AIC-GUSEC](https://gusec.edu.in): Incubator, Ahmedabad, Gujarat. Gujarat University's startup council and incubator, also an Atal Incubation Centre and NIDHI-SSS supported incubator.
- [i-Hub Gujarat (Gujarat Student Startup and Innovation Hub)](https://ihubgujarat.in): Incubator, Ahmedabad, Gujarat. State-backed hub of the Education Department supporting student and youth-led startups under the Gujarat SSIP policy.
- [iCreate (International Centre for Entrepreneurship and Technology)](https://icreate.org.in): Incubator, Ahmedabad, Gujarat. Government of Gujarat backed deep-tech incubator on a dedicated campus near Bavla, supporting product and technology startups.
- [IIMA Ventures](https://iimaventures.com): Incubator, Ahmedabad, Gujarat. Incubator and startup programme platform of IIM Ahmedabad (formerly CIIE.CO), running incubation, acceleration and grant programmes.
- [Startup Gujarat](https://startup.gujarat.gov.in/): Government & startup mission, Gandhinagar, Gujarat. The Government of Gujarat's startup portal for schemes, recognition and support.
- [eChai Mumbai](https://echai.ventures): Founder & business community, Mumbai, Maharashtra. Free founder community running recurring Saturday startup meetups and demo days in Mumbai.
- [eChai Pune](https://echai.ventures): Founder & business community, Pune, Maharashtra. Free founder community running recurring startup meetups and demo days in Pune.
- [Global Fintech Fest](https://www.globalfintechfest.com): Event & summit, Mumbai, Maharashtra. Annual fintech conference organised by PCI, NPCI and the Fintech Convergence Council in Mumbai.
- [Startup India (DPIIT)](https://www.startupindia.gov.in): Government & startup mission, New Delhi, Delhi. Government of India's flagship startup programme under DPIIT, handling startup recognition, schemes and support.
- [T-Hub](https://t-hub.co): Incubator, Hyderabad, Telangana. Telangana government-backed innovation hub and incubator running startup, corporate and government innovation programmes.
- [AAU Incubation Centre (AIC Anand Foundation), Anand Agricultural University](https://www.aau.in): Incubator, Anand, Gujarat. Not-for-profit agri and food processing incubator of Anand Agricultural University.
- [Ahmedabad University VentureStudio](https://ahduni.edu.in/academics/schools-centres/venturestudio/): Incubator, Ahmedabad, Gujarat. Ahmedabad University's centre for innovative business design and incubator, including a BIRAC Bio-NEST facility.
- [AIA Industrial Expo](https://sumitkasardekar.com/ecosystem): Event & summit, Ankleshwar, Gujarat. Industrial exhibition organised by the Ankleshwar Industries Association.
- [AIC RRU Incubation Foundation](https://aicrru.in): Incubator, Gandhinagar, Gujarat. Atal Incubation Centre at Rashtriya Raksha University supporting defence, security and related technology startups.
- [AIC SURATi iLAB Foundation](https://www.suratiilab.org): Incubator, Surat, Gujarat. Atal Incubation Centre backed by Surat Municipal Corporation and Surat Smart City.
- [AIC-GISC Foundation (Atal Incubation Centre, GTU)](https://aicgisc.org): Incubator, Ahmedabad, Gujarat. Atal Innovation Mission supported incubation centre on the GTU Chandkheda campus.
- [AIC-ISE Foundation](https://aim.gov.in/pdf/AIC_List_data.pdf): Incubator, Mehsana, Gujarat. Atal Incubation Centre hosted by the Institute of Science and Engineering in Mehsana district, listed by Atal Innovation Mission (2018).
- [AIC-LMCP Foundation](https://lmcp.ac.in/industry/): Incubator, Ahmedabad, Gujarat. Atal Incubation Centre at L. M. College of Pharmacy focused on pharma, healthcare and life sciences startups.
- [Ankleshwar Industries Association (AIA)](https://sumitkasardekar.com/ecosystem): Industry association, Ankleshwar, Gujarat. Association of industries in the Ankleshwar GIDC estate and organiser of the AIA Industrial Expo.
- [Antrapreneur, The Business Incubator (LJ University)](https://ljku.edu.in/other/antrapreneur-the-business-incubator-12): Incubator, Ahmedabad, Gujarat. Business incubator of LJ University offering seed funding, mentoring and legal and IP support to early-stage startups.
- [Association for Harnessing Innovation and Entrepreneurship (ASHINE), SVNIT](https://www.svnit.ac.in/web/ashine.php): Incubator, Surat, Gujarat. Incubation centre of SVNIT Surat offering incubation, proof-of-concept funding and co-working.
- [Atal Incubation Centre, Institute for Plasma Research (AIC-IPR)](https://www.ipr.res.in): Incubator, Gandhinagar, Gujarat. Atal Incubation Centre at the Institute for Plasma Research, listed by Atal Innovation Mission in 2025.
- [Atmiya University Incubation Centre](https://atmiyauni.ac.in): Incubator, Rajkot, Gujarat. Campus incubation centre of Atmiya University alongside its tinkering and fab labs.
- [BNI Ahmedabad](https://bni-ahmedabad.in/en-IN/index): Business network, Ahmedabad, Gujarat. BNI region covering business referral chapters across Ahmedabad.
- [BNI Baroda](https://bni-baroda.in/en-IN/index): Business network, Vadodara, Gujarat. BNI region covering business referral chapters in Vadodara.
- [BNI Rajkot](https://bni-rajkot.in/en-IN/index): Business network, Rajkot, Gujarat. BNI region covering business referral chapters in Rajkot.
- [Centre for Entrepreneurship Development (CED), Gujarat](https://ced.gujarat.gov.in): Government & startup mission, Gandhinagar, Gujarat. State entrepreneurship training body running EDPs and an incubation centre at its Naroda campus in Ahmedabad.
- [CHARUSAT Innovative Ventures Foundation (CIVF)](https://www.civf.co.in): Incubator, Anand, Gujarat. Section 8 startup and IP commercialisation foundation of Charotar University of Science and Technology.
- [CrAdLE, Entrepreneurship Development Institute of India](https://www.ediindia.org): Incubator, Gandhinagar, Gujarat. Technology business incubator (Centre for Advancing and Launching Enterprises) of EDII, the national entrepreneurship institute.
- [DA-IICT Centre for Entrepreneurship and Incubation (DCEI)](https://www.daiict.ac.in): Incubator, Gandhinagar, Gujarat. Incubator of Dhirubhai Ambani University (formerly DA-IICT) supporting ICT startups, especially by alumni.
- [Entrepreneur's Arch (EA)](https://entrepreneursarch.com): Business network, Ahmedabad, Gujarat. Curated founder network running screened entrepreneur mixers in Ahmedabad with founders, investors and CXOs.
- [EO Gujarat (Entrepreneurs' Organization)](https://eonetwork.org/chapter/gujarat): Business network, Ahmedabad, Gujarat. Gujarat chapter of the Entrepreneurs' Organization, a peer network for business owners across the state.
- [EO Surat (Entrepreneurs' Organization)](https://eonetwork.org/chapter/surat): Business network, Surat, Gujarat. Surat chapter of the Entrepreneurs' Organization, a peer learning network for business owners.
- [EO Vadodara (Entrepreneurs' Organization)](https://eonetwork.org/chapter/vadodara): Business network, Vadodara, Gujarat. Vadodara chapter of the Entrepreneurs' Organization, a peer learning network for business owners.
- [Federation of Gujarat Industries (FGI)](https://sumitkasardekar.com/ecosystem): Chamber of commerce, Vadodara, Gujarat. Vadodara-based industry federation founded in 1918 as the Baroda Mill Owners Association, renamed FGI in 1995.
- [FICCI FLO Ahmedabad](https://ficciflo.com/flo-ahmedabad/): Industry association, Ahmedabad, Gujarat. Ahmedabad chapter of FICCI Ladies Organisation, a network for women entrepreneurs and professionals.
- [FICCI FLO Vadodara](https://ficciflo.com/flo-vadodara/): Industry association, Vadodara, Gujarat. Vadodara chapter of FICCI Ladies Organisation, a network for women entrepreneurs and professionals.
- [FinGlobe CoE at STPI Gandhinagar](https://stpi.in): Accelerator & venture studio, Gandhinagar, Gujarat. STPI fintech centre of entrepreneurship in GIFT City supporting fintech startups.
- [Gandhidham Chamber of Commerce and Industry](https://sumitkasardekar.com/ecosystem): Chamber of commerce, Gandhidham, Gujarat. Chamber of commerce for Gandhidham and the Kandla port region of Kutch, founded in 1953.
- [Ganpat University Incubation Centre (GUNI-IC)](https://www.ganpatuniversity.ac.in): Incubator, Mehsana, Gujarat. Incubation centre of Ganpat University run through GUNI Innovation Foundation, a Section 8 company.
- [GATE (GCCI Annual Trade Expo)](https://www.gccigate.com): Event & summit, Gandhinagar, Gujarat. Annual multi-sector trade expo organised by the Gujarat Chamber of Commerce and Industry.
- [GESIA IT Association](https://gesia.org): Industry association, Ahmedabad, Gujarat. Gujarat's IT and electronics industry association representing software, ITeS and tech companies.
- [GIAN (Gujarat Grassroots Innovation Augmentation Network)](https://gian.org): Incubator, Ahmedabad, Gujarat. Incubator that helps grassroots innovators turn their inventions into products and enterprises.
- [GIFT City (Gujarat International Finance Tec-City Company Ltd)](https://www.giftgujarat.in): Government & startup mission, Gandhinagar, Gujarat. State-promoted developer of GIFT City, India's first International Financial Services Centre.
- [Greater Rajkot Chamber of Commerce and Industries (GRCCI)](https://www.grcci.in): Chamber of commerce, Rajkot, Gujarat. Non-political business chamber in Rajkot linking industry, trade and government.
- [GTU Ventures (GTU Innovation and Start-up Center)](https://gtuventures.com): Incubator, Ahmedabad, Gujarat. Startup and innovation arm of Gujarat Technological University, formerly GTU Innovation Council, supporting student and early-stage startups.
- [GUJCOST (Gujarat Council on Science and Technology)](https://gujcost.gujarat.gov.in): Government & startup mission, Gandhinagar, Gujarat. State science and technology council running IP facilitation, innovation labs and technology commercialisation support.
- [herSTART](https://yci.org/herstart/): Accelerator & venture studio, Ahmedabad, Gujarat. Programme supporting women-led startups, listed among Ahmedabad incubators.
- [IIPHG NIDHI TBI for Public Health](https://iiphg.edu.in): Incubator, Gandhinagar, Gujarat. NIDHI technology business incubator at IIPH Gandhinagar for public health and healthcare startups.
- [IIT Gandhinagar Innovation and Entrepreneurship Centre (IIEC)](https://iitgn.ac.in): Incubator, Gandhinagar, Gujarat. Innovation and entrepreneurship centre and incubator of IIT Gandhinagar.
- [iNDEXTb (Industrial Extension Bureau)](https://indextb.com): Government & startup mission, Gandhinagar, Gujarat. Investment promotion agency of the Government of Gujarat and organiser of the Vibrant Gujarat Global Summit.
- [Jamnagar Chamber of Commerce and Industry](https://sumitkasardekar.com/ecosystem): Chamber of commerce, Jamnagar, Gujarat. Chamber of commerce for trade and industry in Jamnagar.
- [JAU Incubation Foundation](https://www.jau.in): Incubator, Junagadh, Gujarat. Section 8 agritech incubator of Junagadh Agricultural University, a host institute under the MSME Innovative Scheme.
- [Karnavati Innovation and Incubation Foundation (KIIF)](https://karnavatiuniversity.edu.in/incubators/): Incubator, Gandhinagar, Gujarat. Incubator of Karnavati University offering incubation, mentorship, infrastructure and funding access to startups and MSMEs.
- [Legal Incubation Council, GNLU](https://gnlu.ac.in/Legal-Incubation-Council): Incubator, Gandhinagar, Gujarat. Incubation council at Gujarat National Law University supporting legal-tech and law-related startups.
- [Local Vocal Business](https://lvb-india.com/): Business network, Ahmedabad, Gujarat. Business networking community for local business owners.
- [Marwadi University Innovation, Incubation and Research Centre (MUIIR)](https://www.marwadiuniversity.ac.in/muiir/): Incubator, Rajkot, Gujarat. Marwadi University's innovation and startup incubation centre, a nodal centre for SSIP and NewGen IEDC.
- [Morbi Ceramic Association](https://ceramicassociation.com): Industry association, Morbi, Gujarat. Association of ceramic tile and sanitaryware manufacturers in the Morbi cluster.
- [MSU Baroda Centre for Incubation and Centre for Start-up and Innovation](https://msubaroda.ac.in/Offices/110): Incubator, Vadodara, Gujarat. Incubation and startup centres under the Office of Career Advancement for Students at the Maharaja Sayajirao University of Baroda.
- [Nasscom AI Centre of Excellence, Gandhinagar](https://www.nasscom.in): Accelerator & venture studio, Gandhinagar, Gujarat. Nasscom centre of excellence in GIFT City supporting AI startups with the Government of Gujarat.
- [National Design Business Incubator (NDBI), NID](https://www.nid.edu): Incubator, Ahmedabad, Gujarat. Design-led business incubator on the National Institute of Design campus.
- [Nirma University Incubation Centre](https://nirmauni.ac.in): Incubator, Ahmedabad, Gujarat. Pre-incubation and incubation centre under Nirma University's Centre for Entrepreneurship.
- [Parul Innovation and Entrepreneurship Research Centre (PIERC)](https://www.pierc.org): Incubator, Vadodara, Gujarat. Section 8 incubator of Parul University running pre-incubation and incubation programmes, with startup studios in several Gujarat cities.
- [PDEU Innovation and Incubation Centre (PDEU IIC)](https://pdeuiic.in): Incubator, Gandhinagar, Gujarat. Section 8 incubator of Pandit Deendayal Energy University supporting student and external startups.
- [Rajkot Chamber of Commerce and Industry](https://rajkotchamber.com): Chamber of commerce, Rajkot, Gujarat. Chamber of commerce representing trade and industry in Rajkot and Saurashtra.
- [Savli Technology and Business Incubator (STBI)](https://dst.gujarat.gov.in/Home/SavliTechnologyBusinessIncubator): Incubator, Vadodara, Gujarat. Department of Science and Technology, Gujarat incubator in the Savli GIDC estate for technology and manufacturing startups.
- [Southern Gujarat Chamber of Commerce and Industry (SGCCI)](https://www.sgcci.in): Chamber of commerce, Surat, Gujarat. Chamber of commerce for South Gujarat, organiser of several trade exhibitions at SIECC, Surat.
- [Sparkle International (SGCCI)](https://sparkle.sgcci.in): Event & summit, Surat, Gujarat. Gems and jewellery exhibition organised by the Southern Gujarat Chamber of Commerce and Industry in Surat.
- [SSIP Gujarat (Gujarat Knowledge Society)](https://ssipgujarat.in): Government & startup mission, Gandhinagar, Gujarat. Education Department's Student Startup and Innovation Policy, implemented by Gujarat Knowledge Society across colleges.
- [Startup Cell, Industries Commissionerate (Startup Gujarat)](https://ic.gujarat.gov.in/assistance-to-start-ups-innovation.aspx): Government & startup mission, Gandhinagar, Gujarat. State nodal startup cell under the Industries Commissionerate that administers Gujarat's startup and innovation assistance schemes.
- [Surat Startup Studio](https://www.suratstartupstudio.com): Accelerator & venture studio, Surat, Gujarat. Surat startup studio running incubation and growth programmes for early-stage founders.
- [Swarrnim Startup and Innovation University](https://www.swarrnim.edu.in): Incubator, Gandhinagar, Gujarat. Private university built around startups and innovation, listed among Gujarat college incubators.
- [TiE Ahmedabad](https://ahmedabad.tie.org): Business network, Ahmedabad, Gujarat. Ahmedabad chapter of TiE, running mentoring, angel, women and young entrepreneur programmes.
- [TiE Surat](https://surat.tie.org): Business network, Surat, Gujarat. Surat chapter of TiE, the global network of entrepreneurs and mentors.
- [TiE Vadodara](https://tievadodara.com): Business network, Vadodara, Gujarat. Vadodara chapter of TiE, the global network of entrepreneurs, which runs TiEcon Vadodara.
- [TiEcon Vadodara](https://tievadodara.com): Event & summit, Vadodara, Gujarat. Entrepreneurship conference organised by TiE Vadodara.
- [Vapi Industries Association (VIA)](https://www.viavapi.org): Industry association, Vapi, Gujarat. Association of industrial units in the Vapi GIDC estate, formed in 1971.
- [VIBES (Vishv Umiya Foundation)](https://vibes.vuf.org/): Business network, Ahmedabad, Gujarat. Business network of the Vishv Umiya Foundation.
- [Vibrant Gujarat Global Summit](https://www.vibrantgujarat.com): Event & summit, Gandhinagar, Gujarat. Biennial global investment summit of the Government of Gujarat, organised by iNDEXTb at Mahatma Mandir.
- [Young Indians (Yi) Ahmedabad](https://youngindians.net): Business network, Ahmedabad, Gujarat. Ahmedabad chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Bhavnagar](https://youngindians.net): Business network, Bhavnagar, Gujarat. Bhavnagar chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Rajkot](https://youngindians.net): Business network, Rajkot, Gujarat. Rajkot chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Surat](https://youngindians.net): Business network, Surat, Gujarat. Surat chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Vadodara](https://youngindians.net): Business network, Vadodara, Gujarat. Vadodara chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [a-IDEA, ICAR-NAARM](https://aidea.naarm.org.in): Incubator, Hyderabad, Telangana. Agribusiness incubator at ICAR-NAARM running incubation and acceleration programmes for agri-tech startups.
- [Advantage Vidarbha (Khasdar Audyogik Mahotsav)](https://advantagevidarbha.in): Event & summit, Nagpur, Maharashtra. Industrial expo and investment summit for Vidarbha organised by the Association for Industrial Development.
- [AIC ACE (Amrita)](https://aicace.org): Incubator, Coimbatore, Tamil Nadu. Atal Incubation Centre at Amrita Vishwa Vidyapeetham's Coimbatore campus supporting tech startups.
- [AIC Anna Incubator](https://www.startupgrantsindia.com/hindi/providers/aic-anna-incubator): Incubator, Chennai, Tamil Nadu. Atal Incubation Centre hosted by Anna University, with a hardware prototyping lab and coworking space for startups.
- [AIC-AUD (Dr B.R. Ambedkar University Delhi)](https://aud.ac.in): Incubator, Delhi. Atal Incubation Centre hosted by Dr B.R. Ambedkar University Delhi, established in 2019.
- [AIC-BHU (Institute of Management Studies)](https://www.bhu.ac.in): Incubator, Varanasi, Uttar Pradesh. Atal Incubation Centre hosted by the Institute of Management Studies, Banaras Hindu University.
- [AIC-BIMTECH](https://www.bimtech.ac.in): Incubator, Greater Noida, Uttar Pradesh. Atal Incubation Centre hosted by Birla Institute of Management Technology, Greater Noida.
- [AIC-GBU Incubation Centre](https://www.gburif.org): Incubator, Greater Noida, Uttar Pradesh. Atal Incubation Centre at Gautam Buddha University supporting academic and community startups.
- [AIC-GIM Foundation](https://aicgim.in): Incubator, Sanquelim, Goa. Atal Incubation Centre hosted by Goa Institute of Management under Atal Innovation Mission.
- [AIC-IIIM (Indian Institute of Integrative Medicine)](https://iiim.res.in): Incubator, Srinagar, Jammu & Kashmir. Atal Incubation Centre hosted by CSIR-IIIM, focused on life sciences and natural products startups.
- [AIC-IIT Delhi Sonipat Campus](https://aim.gov.in/atal-incubation-centres.php): Incubator, Sonipat, Haryana. Atal Incubation Centre at IIT Delhi's Sonipat campus, established in 2019.
- [AIC-IIT Jammu](https://iitjammu.ac.in): Incubator, Jammu, Jammu & Kashmir. Atal Incubation Centre at IIT Jammu, approved by Atal Innovation Mission in 2025.
- [AIC-ISB Mohali](https://www.isb.edu): Incubator, Mohali, Punjab. Atal Incubation Centre at the Indian School of Business Mohali campus.
- [AIC-JNU](https://www.jnu.ac.in): Incubator, New Delhi, Delhi. Atal Incubation Centre hosted by Jawaharlal Nehru University, established in 2019.
- [AIC-MIT ADT Incubator Forum](https://aic.mituniversity.ac.in): Incubator, Pune, Maharashtra. Atal Incubation Centre at MIT Art, Design and Technology University with a maker space for startups.
- [AIC-Nalanda Institute of Technology Foundation (AIC-NITF)](https://www.aicnitf.in): Incubator, Bhubaneswar, Odisha. Atal Incubation Centre at Nalanda Institute of Technology supporting startups in agriculture, health, IT and clean energy.
- [AIC-NMIMS Incubation Centre](https://aic.nmims.edu): Incubator, Mumbai, Maharashtra. Atal Incubation Centre at the NMIMS Mumbai campus, supported by Atal Innovation Mission.
- [AIC-NSUT](https://www.nsut.ac.in): Incubator, New Delhi, Delhi. Atal Incubation Centre at Netaji Subhas University of Technology, approved by Atal Innovation Mission in 2025.
- [AIC-PECF (Puducherry Technological University)](https://www.aicpecf.org): Incubator, Puducherry. Atal Incubation Centre hosted by Puducherry Technological University, funded by Atal Innovation Mission.
- [AIC-Pinnacle Entrepreneurship Forum](https://aic-pinnacle.org): Incubator, Pune, Maharashtra. Atal Incubation Centre in Pimpri-Chinchwad supporting manufacturing, hardware and technology startups.
- [AIC-RNTU Foundation](https://rntu.ac.in): Incubator, Bhopal, Madhya Pradesh. Atal Incubation Centre at Rabindranath Tagore University near Bhopal, supported by Atal Innovation Mission, NITI Aayog.
- [AIC-Shiv Nadar University](https://snu.edu.in): Incubator, Greater Noida, Uttar Pradesh. Atal Incubation Centre at Shiv Nadar University in Delhi NCR, among the first AICs approved in 2017.
- [AIC-SOA Foundation](https://aicsoa.in): Incubator, Bhubaneswar, Odisha. Atal Incubation Centre at Siksha 'O' Anusandhan University supporting healthtech, agritech and deep-tech startups.
- [AIC@36Inc](https://www.36inc.in): Incubator, Raipur, Chhattisgarh. Chhattisgarh government-backed incubator, also an Atal Incubation Centre, supporting startups from Raipur.
- [ALEAP (Association of Lady Entrepreneurs of India)](https://aleap.org): Industry association, Hyderabad, Telangana. Hyderabad-based association supporting women entrepreneurs, including women-run industrial estates.
- [Amity Innovation Incubator (AIC-Amity)](https://www.amity.edu/aii/): Incubator, Noida, Uttar Pradesh. Amity University's startup incubator in Noida, recognised by Atal Innovation Mission as an Atal Incubation Centre.
- [Amrita TBI (Coimbatore)](https://www.amritatbi.com): Incubator, Coimbatore, Tamil Nadu. Technology business incubator of Amrita Vishwa Vidyapeetham supported by the Government of India.
- [Amrita TBI, Amritapuri](https://www.amritatbi.com): Incubator, Kollam, Kerala. DST-supported technology business incubator at Amrita Vishwa Vidyapeetham's Amritapuri campus.
- [Amrita TBI, Bengaluru](https://www.amritatbi.com): Incubator, Bengaluru, Karnataka. Bengaluru centre of Amrita Technology Business Incubator, supporting technology startups from Amrita Vishwa Vidyapeetham's campus.
- [Andhra Chamber of Commerce](https://andhrachamber.com): Chamber of commerce, Chennai, Tamil Nadu. Chamber of commerce headquartered in Chennai with offices in Andhra Pradesh and Telangana and affiliated trade bodies.
- [Andhra Pradesh Innovation Society (APIS)](https://apinnovationsociety.com): Government & startup mission, Amaravati, Andhra Pradesh. Andhra Pradesh government society that runs the state's startup and innovation programmes and incubator support.
- [Andhra University Incubation Council (a-hub)](https://www.a-hub.co): Incubator, Visakhapatnam, Andhra Pradesh. Andhra University's incubation council hosting several incubators, including a NIDHI-iTBI centre, in Visakhapatnam.
- [AP Chambers of Commerce & Industry Federation (FAPCCI)](https://apchambers.in): Chamber of commerce, Vijayawada, Andhra Pradesh. Apex federation of chambers of commerce and industry for Andhra Pradesh, based in Vijayawada.
- [Assam Startup - The Nest](https://startup.assam.gov.in): Incubator, Guwahati, Assam. Assam's state-owned startup incubator launched in 2019 and co-created with IIM Calcutta Innovation Park.
- [ASSOCHAM](https://www.assocham.org): Chamber of commerce, New Delhi, Delhi. Associated Chambers of Commerce and Industry of India, a national apex chamber representing industry.
- [Atal Incubation Centre - Banasthali Vidyapith](https://www.aicbanasthali.org): Incubator, Banasthali, Rajasthan. Women-focused Atal Incubation Centre at Banasthali Vidyapith supporting women-led science and technology startups.
- [Atal Incubation Centre - Manipal University Jaipur (AIC-MUJ)](https://www.aicmuj.com): Incubator, Jaipur, Rajasthan. Atal Incubation Centre backed by Atal Innovation Mission, NITI Aayog and Manipal University Jaipur, supporting technology startups.
- [Atal Incubation Centre - Rambhau Mhalgi Prabodhini (AIC-RMP)](https://aic-rmp.org): Incubator, Thane, Maharashtra. Atal Innovation Mission supported incubator hosted by Rambhau Mhalgi Prabodhini near Mumbai.
- [Atal Innovation Mission (AIM), NITI Aayog](https://aim.gov.in): Government & startup mission, New Delhi, Delhi. Government of India mission that funds Atal Incubation Centres, Atal Tinkering Labs and innovation challenges.
- [Atal Innovation Mission (NITI Aayog)](https://aim.gov.in): Government & startup mission, New Delhi, Delhi. Government of India mission that funds Atal Incubation Centres and runs innovation and entrepreneurship programmes.
- [Bangalore Bioinnovation Centre (BBC)](https://www.bioinnovationcentre.com): Incubator, Bengaluru, Karnataka. Life sciences incubator set up by the Karnataka government and DBT, supporting health, agri, food and climate tech startups.
- [Bangalore Chamber of Industry and Commerce (BCIC)](https://www.bcic.org.in): Chamber of commerce, Bengaluru, Karnataka. Bengaluru chamber of industry and commerce working on policy advocacy, networking and business events.
- [Belgaum Chamber of Commerce and Industries](https://www.belgaumchamber.com): Chamber of commerce, Belagavi, Karnataka. Chamber of commerce and industry for traders and manufacturers in Belagavi.
- [Bengaluru Tech Summit](https://www.bengalurutechsummit.com): Event & summit, Bengaluru, Karnataka. Annual technology summit of the Karnataka government held each November at BIEC, with a large startup and investor track.
- [Bhamashah Techno Hub](https://istart.rajasthan.gov.in): Incubator, Jaipur, Rajasthan. Government of Rajasthan incubation hub under iStart offering free workspace to early-stage startups, opened in 2018.
- [Bharat Chamber of Commerce](https://www.bharatchamber.com): Chamber of commerce, Kolkata, West Bengal. Kolkata-based chamber of commerce affiliated to FICCI, founded in 1900.
- [Bihar Chamber of Commerce & Industries](https://www.biharchamber.org): Chamber of commerce, Patna, Bihar. State-level chamber of commerce and industries for Bihar, based in Patna.
- [Bihar Industries Association](https://www.biabihar.com): Industry association, Patna, Bihar. Industry association representing manufacturers and enterprises across Bihar.
- [Biotechnology Incubation Centre, HP University (BIC-HPU)](https://www.hpuniv.ac.in): Incubator, Shimla, Himachal Pradesh. Biotech incubation centre at Himachal Pradesh University, listed as a state-recognised incubator.
- [Biotechnology Industry Research Assistance Council (BIRAC)](https://birac.nic.in): Government & startup mission, New Delhi, Delhi. Department of Biotechnology enterprise that funds and incubates biotech and life sciences startups.
- [BITS BIRAC BioNEST (BGIIES), BITS Pilani Goa](https://www.bits-pilani.ac.in/goa/bits-birac-bionest/): Incubator, Sancoale, Goa. BIRAC-supported bio-incubator for health and environment startups at BITS Pilani Goa campus.
- [BNI Amritsar](https://bni-amritsar.in): Business network, Amritsar, Punjab. BNI region office running referral-based business networking chapters in and around Amritsar.
- [BNI Chandigarh](https://bni-chandigarh.in): Business network, Chandigarh. BNI region office running referral-based business networking chapters in and around Chandigarh.
- [BNI Dehradun](https://bni-dehradun.in): Business network, Dehradun, Uttarakhand. BNI region office running referral-based business networking chapters in and around Dehradun.
- [BNI Delhi West](https://bni-delhiwest.in): Business network, New Delhi, Delhi. BNI region office running referral-based business networking chapters in and around Delhi West.
- [BNI Gurgaon](https://bni-gurgaon.in): Business network, Gurugram, Haryana. BNI region office running referral-based business networking chapters in and around Gurgaon.
- [BNI India (National Office)](https://bni-india.in): Business network, Bengaluru, Karnataka. National office of BNI in India, the business referral network with weekly-meeting chapters in over 130 Indian cities.
- [BNI Ludhiana](https://bni-ludhiana.in): Business network, Ludhiana, Punjab. BNI region office running referral-based business networking chapters in and around Ludhiana.
- [BNI Mumbai](https://bni-india.in): Business network, Mumbai, Maharashtra. Mumbai region of BNI, a business referral network with weekly chapter meetings.
- [BNI Navi Mumbai](https://bni-india.in): Business network, Navi Mumbai, Maharashtra. Navi Mumbai region of BNI, a business referral network with weekly chapter meetings.
- [BNI Noida](https://bni-noida.in): Business network, New Delhi, Delhi. BNI region office running referral-based business networking chapters in and around Noida.
- [BNI Pune](https://bni-india.in): Business network, Pune, Maharashtra. Pune region of BNI, a business referral network with weekly chapter meetings.
- [BNI Varanasi](https://bni-varanasi.in): Business network, Varanasi, Uttar Pradesh. BNI region office running referral-based business networking chapters in and around Varanasi.
- [Bombay Chamber of Commerce and Industry](https://www.bombaychamber.com): Chamber of commerce, Mumbai, Maharashtra. One of India's oldest chambers of commerce, founded in 1836, representing businesses in Mumbai.
- [Brigade REAP](https://brigadereap.com): Accelerator & venture studio, Bengaluru, Karnataka. Brigade Group's Real Estate Accelerator Program for startups in proptech, construction tech, smart spaces and sustainability.
- [C-CAMP (Centre for Cellular and Molecular Platforms)](https://www.ccamp.res.in): Incubator, Bengaluru, Karnataka. DBT-supported bioscience innovation hub that incubates and funds life sciences, healthcare and agritech startups.
- [Calicut Chamber of Commerce](https://www.calicutchamber.com): Chamber of commerce, Kozhikode, Kerala. Chamber of commerce representing businesses in Kozhikode (Calicut).
- [CEDI, NIT Tiruchirappalli](https://www.nitt.edu/home/rc/cedi/): Incubator, Tiruchirappalli, Tamil Nadu. NIT Trichy's Centre for Entrepreneurship Development and Incubation, which runs the institute's business incubator.
- [Cellular Operators Association of India (COAI)](https://www.coai.com): Industry association, New Delhi, Delhi. Industry association of telecom operators and co-organiser of India Mobile Congress.
- [Centre for Entrepreneurship Development, Anna University](https://www.auced.com): Incubator, Chennai, Tamil Nadu. Anna University centre that runs entrepreneurship programmes and incubation support for student and faculty startups.
- [Centre for Incubation and Business Acceleration (CIBA), Verna](https://ciba.org.in): Incubator, Verna, Goa. Technology business incubator on the Fr. Agnel campus in Verna, with further centres in Assagao and Vashi.
- [Centre for Innovation, Incubation and Entrepreneurship, DY Patil International University](https://dypiu.ac.in/centre-for-innovation-incubation-and-entrepreneurship): Incubator, Pune, Maharashtra. University incubation and entrepreneurship centre at DY Patil International University, Akurdi.
- [Centre for Innovation, VNIT Nagpur](https://vnit.ac.in/centre-for-innovation/): Incubator, Nagpur, Maharashtra. Business incubation centre of Visvesvaraya National Institute of Technology, Nagpur.
- [Chamber of Industrial & Commercial Undertakings (CICU)](https://www.cicuindia.org): Chamber of commerce, Ludhiana, Punjab. Ludhiana based chamber representing industrial and commercial units in Punjab.
- [Chamber of Marathwada Industries and Agriculture (CMIA)](https://sumitkasardekar.com/ecosystem): Chamber of commerce, Chhatrapati Sambhajinagar, Maharashtra. Apex industry body of Marathwada representing over 750 industries; promoter of the MAGIC incubator.
- [Chhattisgarh Chamber of Commerce & Industries](https://www.cgchamber.org): Chamber of commerce, Raipur, Chhattisgarh. State-level chamber of commerce and industries representing traders and industry in Chhattisgarh.
- [Chitkara Innovation Incubator Foundation](https://www.chitkara.edu.in/ciif/): Incubator, Rajpura, Punjab. Chitkara University's incubation foundation, approved as an Atal Incubation Centre in 2025.
- [CIE, IIIT Hyderabad](https://cie.iiit.ac.in): Incubator, Hyderabad, Telangana. Centre for Innovation and Entrepreneurship at IIIT Hyderabad, incubating technology startups.
- [CII Goa State Council](https://www.cii.in): Industry association, Panaji, Goa. Goa state office of the Confederation of Indian Industry.
- [CII Karnataka State Council](https://www.cii.in): Industry association, Bengaluru, Karnataka. Karnataka state unit of the Confederation of Indian Industry, working on industry policy, MSMEs and sector initiatives.
- [CII Northern Region](https://www.cii.in): Chamber of commerce, Chandigarh. Northern regional headquarters of CII covering Punjab, Haryana, Himachal, J&K, Delhi and neighbouring states.
- [CII Southern Region](https://www.cii.in): Industry association, Chennai, Tamil Nadu. Southern regional office of the Confederation of Indian Industry, coordinating CII state councils across South India.
- [CII Western Region](https://www.cii.in): Industry association, Mumbai, Maharashtra. Western Region office of the Confederation of Indian Industry, covering Maharashtra, Goa, Gujarat and other states.
- [CIMP-BIIF (Bihar Innovation & Incubation Foundation)](https://cimp.ac.in): Incubator, Patna, Bihar. Startup incubation arm of Chandragupt Institute of Management Patna, started in 2017 with Department of Industries support.
- [CODISSIA (Coimbatore District Small Industries Association)](https://www.codissia.com): Industry association, Coimbatore, Tamil Nadu. Association of small and medium industries in Coimbatore that also runs the CODISSIA Trade Fair Complex.
- [CODISSIA Defence Innovation and Atal Incubation Centre (CDIIC)](https://www.startupgrantsindia.com/providers/aic-codissia-defence-innovation): Incubator, Coimbatore, Tamil Nadu. Atal Incubation Centre run by CODISSIA focused on defence and aerospace startups, with facilities at Kallapalayam.
- [COEP's Bhau Institute of Innovation, Entrepreneurship and Leadership](https://bhau.org): Incubator, Pune, Maharashtra. Incubation and entrepreneurship centre of COEP Technological University running startup programmes and competitions.
- [Confederation of Indian Industry (CII)](https://www.cii.in): Chamber of commerce, New Delhi, Delhi. National industry body representing Indian businesses through policy advocacy, councils and state offices.
- [Confederation of Women Entrepreneurs of India (COWE)](https://give.do/discover/WSQ/confederation-of-women-entrepreneurs-of-india/): Industry association, Hyderabad, Telangana. National body of women entrepreneurs headquartered in Hyderabad, running training, trade fairs and summits.
- [Convergence India Expo](https://www.convergenceindia.org): Event & summit, New Delhi, Delhi. Annual technology exhibition and conference in New Delhi covering digital infrastructure, telecom and smart cities.
- [COWE (Confederation of Women Entrepreneurs of India)](https://qorpiq.com/company/confederation-of-women-entrepreneurs-of-india/U80900TG2005NPL045601): Industry association, Hyderabad, Telangana. Confederation of women entrepreneurs headquartered in Hyderabad with chapters in several states.
- [CSIR-CFTRI Incubation Centre](https://www.cftri.res.in): Incubator, Mysuru, Karnataka. Food technology incubation facility at CSIR-Central Food Technological Research Institute for food processing startups.
- [Deshpande Startups](https://www.deshpandestartups.org): Incubator, Hubballi, Karnataka. Large incubator in Hubballi run by the Deshpande Foundation, focused on startups serving Tier 2 and rural markets.
- [DLabs at ISB](https://www.isb.edu): Incubator, Hyderabad, Telangana. Incubation and acceleration arm of the Indian School of Business, Hyderabad.
- [DPU Foundation for Innovation, Incubation and Entrepreneurship](https://dpu.edu.in/incubation-centre-events.aspx): Incubator, Pune, Maharashtra. Incubation centre of Dr. D. Y. Patil Vidyapeeth, Pune, supporting healthcare and other startups.
- [DTU Innovation and Incubation Foundation](https://dtu.ac.in): Incubator, Delhi. Section 8 incubation foundation of Delhi Technological University supporting student and alumni startups.
- [E-Summit, IIT Bombay](https://ecell.in): Event & summit, Mumbai, Maharashtra. Annual entrepreneurship summit organised by the student-run E-Cell of IIT Bombay.
- [ELCINA Electronic Industries Association of India](https://elcina.com): Industry association, New Delhi, Delhi. Industry association for electronics hardware and component manufacturers in India.
- [Electronics and Computer Software Export Promotion Council (ESC)](https://www.escindia.in): Industry association, New Delhi, Delhi. Export promotion council for Indian electronics, IT and software exporters.
- [EO Bangalore](https://www.eonetwork.org/bangalore): Business network, Bengaluru, Karnataka. Bengaluru chapter of Entrepreneurs' Organization, a peer network for founders of established businesses.
- [EO Chennai](https://www.eochennai.org): Business network, Chennai, Tamil Nadu. Chennai chapter of Entrepreneurs' Organization, a peer network for business owners.
- [EO Coimbatore](https://www.eocoimbatore.in): Business network, Coimbatore, Tamil Nadu. Coimbatore chapter of Entrepreneurs' Organization, a peer network for business owners.
- [EO Goa](https://member.eonetwork.org/goa/about-our-chapter): Business network, Goa. Goa chapter of Entrepreneurs' Organization, a peer network for business owners.
- [EO Hyderabad](https://eonetwork.org/chapter/hyderabad/): Business network, Hyderabad, Telangana. Hyderabad chapter of Entrepreneurs' Organization, a peer network for business owners.
- [EO Kerala](https://eokerala.com): Business network, Kozhikode, Kerala. Kerala chapter of Entrepreneurs' Organization, a peer network for founders of established businesses.
- [EO Kolkata](https://www.eokolkata.org): Business network, Kolkata, West Bengal. Kolkata chapter of Entrepreneurs' Organization, a peer network for established business owners.
- [EO Mumbai](https://member.eonetwork.org/mumbai/about-our-chapter/): Business network, Mumbai, Maharashtra. Mumbai chapter of Entrepreneurs' Organization, formed in 1997 and among EO's largest chapters globally.
- [EO Nagpur](https://member.eonetwork.org/nagpur/about-our-chapter): Business network, Nagpur, Maharashtra. Nagpur chapter of Entrepreneurs' Organization, a peer network for business owners.
- [EO Navi Mumbai](https://member.eonetwork.org/navimumbai/about-our-chapter/): Business network, Navi Mumbai, Maharashtra. Navi Mumbai chapter of Entrepreneurs' Organization, launched in 2020.
- [EO Pune](https://member.eonetwork.org/pune/about-our-chapter): Business network, Pune, Maharashtra. Pune chapter of Entrepreneurs' Organization, a peer network for business owners, founded in 2012.
- [Federation of Indian Export Organisations (FIEO)](https://www.fieo.org): Industry association, New Delhi, Delhi. Apex body of Indian export promotion organisations, supporting exporters with trade fairs, advisory and market access.
- [Federation of Indian Micro and Small & Medium Enterprises (FISME)](https://fisme.org.in): Industry association, New Delhi, Delhi. National federation of MSME associations working on policy, finance, IP and market access for small firms.
- [Federation of Indian Women Entrepreneurs (FIWE)](https://www.fiwe.org): Industry association, New Delhi, Delhi. National federation of women entrepreneurs' associations supporting women-led MSMEs with training, trade fairs and advocacy.
- [Federation of Jharkhand Chamber of Commerce & Industries (FJCCI)](https://www.fjcci.org): Chamber of commerce, Ranchi, Jharkhand. Apex chamber of commerce and industries for Jharkhand, headquartered in Ranchi.
- [Federation of Karnataka Chambers of Commerce and Industry (FKCCI)](https://www.fkcci.org): Chamber of commerce, Bengaluru, Karnataka. Apex chamber of Karnataka representing trade and industry, with district chambers and trade associations as members.
- [Federation of Telangana Chambers of Commerce and Industry (FTCCI)](https://www.ftcci.in): Chamber of commerce, Hyderabad, Telangana. Apex chamber of commerce for Telangana representing trade and industry in the state.
- [FICCI](https://www.ficci.in): Chamber of commerce, New Delhi, Delhi. Federation of Indian Chambers of Commerce and Industry, India's oldest apex business chamber, founded in 1927.
- [FICCI FLO Bangalore](https://ficciflo.com/flo-bangalore/): Industry association, Bengaluru, Karnataka. Bengaluru chapter of FICCI Ladies Organisation, a forum for women entrepreneurs and professionals.
- [FICCI FLO Jammu Chapter](https://ficciflo.com): Industry association, Jammu, Jammu & Kashmir. Jammu chapter of FICCI Ladies Organisation, a forum for women entrepreneurs and professionals.
- [FICCI FLO Lucknow Chapter](https://ficciflo.com): Industry association, Lucknow, Uttar Pradesh. Lucknow chapter of FICCI Ladies Organisation, a forum for women entrepreneurs and professionals.
- [FICCI FLO Ludhiana Chapter](https://ficciflo.com): Industry association, Ludhiana, Punjab. Ludhiana chapter of FICCI Ladies Organisation, a forum for women entrepreneurs and professionals.
- [FICCI Karnataka State Council](https://ficci.in/state/karnataka-ficci): Industry association, Bengaluru, Karnataka. Bengaluru-based state council of FICCI that runs industry events and state-centre policy engagement for Karnataka.
- [FICCI Ladies Organisation (FLO)](https://ficciflo.com): Industry association, New Delhi, Delhi. Women's wing of FICCI promoting women entrepreneurs and professionals through chapters across India.
- [FICCI Maharashtra State Council](https://ficci.in/state/maharashtra/home): Industry association, Mumbai, Maharashtra. Maharashtra state council of the Federation of Indian Chambers of Commerce and Industry.
- [FIED, IIM Kashipur](https://www.iimkashipur.ac.in/fied): Incubator, Kashipur, Uttarakhand. Foundation for Innovation and Entrepreneurial Development, the startup incubator of IIM Kashipur.
- [Fintech Convergence Council (FCC)](https://www.fintechcouncil.in): Industry association, Mumbai, Maharashtra. IAMAI council representing fintech companies in India; co-organiser of Global Fintech Fest.
- [FITT, IIT Delhi](https://fitt-iitd.in): Incubator, New Delhi, Delhi. IIT Delhi's industry interface and technology transfer arm that runs the institute's startup incubation programme.
- [FLO Chennai](https://ficciflo.com/flo-chennai/): Industry association, Chennai, Tamil Nadu. Chennai chapter of the FICCI Ladies Organisation, supporting women entrepreneurs and professionals.
- [FLO Coimbatore](https://ficciflo.com/flo-coimbatore/): Industry association, Coimbatore, Tamil Nadu. Coimbatore chapter of the FICCI Ladies Organisation, supporting women in business.
- [FLO Hyderabad](https://ficciflo.com/flo-hyderabad/): Industry association, Hyderabad, Telangana. Hyderabad chapter of the FICCI Ladies Organisation, supporting women entrepreneurs and professionals.
- [FLO Vijayawada](https://ficciflo.com/flo-vijayavada/): Industry association, Vijayawada, Andhra Pradesh. Vijayawada chapter of the FICCI Ladies Organisation, supporting women in business.
- [Forge Innovation & Ventures](https://www.forge-iv.co): Accelerator & venture studio, Coimbatore, Tamil Nadu. Hardware and deep-tech incubator and accelerator at KCT Tech Park, running startup and corporate innovation programmes.
- [GGSIPU Innovation & Incubation (AIC-GGSIPU)](https://www.ipu.ac.in/ipuiif.php): Incubator, New Delhi, Delhi. Incubation centre of GGSIP University, listed by Atal Innovation Mission as an Atal Incubation Centre.
- [Goa AI Tech Conclave](https://goaaiconclave.co.in): Event & summit, Panaji, Goa. Goa government technology conclave with startup pitches, run by DITE&C; organisers plan it as an annual event.
- [Goa Chamber of Commerce and Industry (GCCI)](https://www.goachamber.org): Chamber of commerce, Panaji, Goa. Goa's principal chamber of commerce representing trade and industry in the state.
- [Guwahati Biotech Park](https://gbp.assam.gov.in): Incubator, Guwahati, Assam. Assam government biotech park offering incubation space for life sciences startups.
- [Headstart Bangalore](https://headstart.in/bangalore): Founder & business community, Bengaluru, Karnataka. Bengaluru chapter of Headstart, a volunteer-led early-stage startup community running founder meetups and pitch events.
- [Headstart Dehradun](https://www.headstart.in/dehradun): Founder & business community, Dehradun, Uttarakhand. Dehradun chapter of Headstart, a volunteer-run early stage startup community hosting founder meetups.
- [Headstart Delhi](https://www.headstart.in/delhi): Founder & business community, Delhi. Delhi chapter of Headstart, a volunteer-run early stage startup community hosting founder meetups.
- [Headstart Gurgaon](https://www.headstart.in/gurgaon): Founder & business community, Gurugram, Haryana. Gurgaon chapter of Headstart, a volunteer-run early stage startup community hosting founder meetups.
- [Headstart Lucknow](https://www.headstart.in/lucknow): Founder & business community, Lucknow, Uttar Pradesh. Lucknow chapter of Headstart, a volunteer-run early stage startup community hosting founder meetups.
- [Headstart Mumbai](https://headstart.in): Founder & business community, Mumbai, Maharashtra. Volunteer-run Mumbai chapter of Headstart Network Foundation, known for Startup Saturday meetups.
- [Headstart Network - Kolkata](https://www.headstart.in): Founder & business community, Kolkata, West Bengal. Kolkata chapter of Headstart, an early-stage startup community running Startup Saturday meetups and peer mentoring.
- [Headstart Network Foundation](https://www.headstart.in): Founder & business community, Bengaluru, Karnataka. Volunteer-led early-stage startup community active since 2007 with chapters in over 30 Indian cities.
- [Headstart Noida](https://www.headstart.in/noida): Founder & business community, Noida, Uttar Pradesh. Noida chapter of Headstart, a volunteer-run early stage startup community hosting founder meetups.
- [Headstart Pune](https://headstart.in): Founder & business community, Pune, Maharashtra. Volunteer-run Pune chapter of Headstart Network Foundation hosting startup meetups.
- [Huddle Global](https://startupmission.kerala.gov.in/events): Event & summit, Thiruvananthapuram, Kerala. Kerala Startup Mission's flagship annual startup conference bringing together founders, investors and innovators.
- [HYSEA (Hyderabad Software Enterprises Association)](https://hysea.in): Industry association, Hyderabad, Telangana. Association of IT and software companies in Hyderabad and Telangana, running industry forums and summits.
- [IIIT Bangalore Innovation Centre](https://ic.iiitb.ac.in): Incubator, Bengaluru, Karnataka. Technology incubator at IIIT Bangalore running pre-incubation, incubation and acceleration programmes for tech startups.
- [IIIT-Delhi Innovation & Incubation Center](https://iiitdic.in): Incubator, New Delhi, Delhi. Incubator at IIIT-Delhi supporting early stage tech startups with space, mentoring and funding access.
- [IIM Calcutta Innovation Park (IIMCIP)](https://www.iimcip.org): Incubator, Kolkata, West Bengal. Section 8 incubator of IIM Calcutta running incubation and accelerator programmes for startups in eastern and north-eastern India.
- [IIM Indore Incubation Foundation](https://iimidr.ac.in): Incubator, Indore, Madhya Pradesh. Incubation foundation of IIM Indore that onboards, mentors and graduates startups and runs accelerator programmes.
- [IIM Lucknow Enterprise Incubation Centre (IIML-EIC)](http://iimlincubator.com): Incubator, Noida, Uttar Pradesh. Business incubator of IIM Lucknow supporting early stage startups with mentoring and funding programmes.
- [IIMK LIVE](https://iimklive.org): Incubator, Kozhikode, Kerala. Startup incubator of IIM Kozhikode, with a second centre at Infopark Kochi.
- [IIT Guwahati Technology Incubation Centre (IITG-TIC)](https://www.iitg.ac.in): Incubator, Guwahati, Assam. Technology incubator at IIT Guwahati established in 2009, supporting startups in AI, electronics, clean energy and more.
- [IIT Madras Incubation Cell](https://incubation.iitm.ac.in): Incubator, Chennai, Tamil Nadu. Deep-tech startup incubator of IIT Madras based in the IITM Research Park, supporting technology startups from idea to scale.
- [IIT Madras Research Park](https://respark.iitm.ac.in): Incubator, Chennai, Tamil Nadu. Research park linked to IIT Madras that hosts R&D centres, incubators and deep-tech startups working with the institute.
- [IIT Mandi Catalyst](https://iitmandicatalyst.in): Incubator, Mandi, Himachal Pradesh. Technology business incubator at IIT Mandi working to build a startup cluster in the Kamand valley.
- [IIT Ropar TBIF](https://www.iitrpr.ac.in/tbif/): Incubator, Rupnagar, Punjab. Technology Business Incubator Foundation of IIT Ropar supporting technology startups.
- [IIT Tirupati Navavishkar I-Hub Foundation (IITTNiF)](https://iittnif.com): Incubator, Tirupati, Andhra Pradesh. Technology innovation hub of IIT Tirupati focused on positioning and precision technologies, supporting startups.
- [IITI DRISHTI CPS Foundation](https://www.iiti.ac.in): Incubator, Indore, Madhya Pradesh. Technology innovation hub of IIT Indore for cyber-physical systems that funds and incubates deep-tech startups.
- [IKP EDEN](https://www.ikpknowledgepark.com): Incubator, Bengaluru, Karnataka. Hardware and deep-tech incubator run by IKP Knowledge Park in Bengaluru.
- [IMC Chamber of Commerce and Industry](https://www.imcnet.org): Chamber of commerce, Mumbai, Maharashtra. Mumbai-based chamber of commerce and industry representing trade, industry and services.
- [INCeNSE (Incubator at CeNSE), IISc](https://incubation.cense.iisc.ac.in): Incubator, Bengaluru, Karnataka. Incubator at IISc's Centre for Nano Science and Engineering for deep-tech startups in nanotechnology, semiconductors and hardware.
- [Incubation Centre IIT Patna (IC IITP)](https://iciitp.com): Incubator, Patna, Bihar. Technology incubator on the IIT Patna Bihta campus supporting electronics, IT and deep-tech startups.
- [India Electronics and Semiconductor Association (IESA)](https://iesaonline.org): Industry association, Bengaluru, Karnataka. Bengaluru-based industry association for the electronics system design and semiconductor sector.
- [India Mobile Congress](https://www.indiamobilecongress.com): Event & summit, New Delhi, Delhi. Annual telecom and technology expo in New Delhi with a startup programme, held at Yashobhoomi in 2026.
- [Indian Chamber of Commerce](https://www.indianchamber.org): Chamber of commerce, Kolkata, West Bengal. National chamber of commerce headquartered in Kolkata with regional offices across India.
- [Indian Chamber of Commerce - North East Regional Office](https://www.indianchamber.org): Chamber of commerce, Guwahati, Assam. North East regional office of the Indian Chamber of Commerce serving businesses in the north-eastern states.
- [Indian Electrical and Electronics Manufacturers' Association (IEEMA)](https://ieema.org): Industry association, New Delhi, Delhi. National association of electrical and electronics equipment manufacturers, with an office also in Mumbai.
- [Indian Industries Association (IIA)](https://www.iiaonline.in): Industry association, Lucknow, Uttar Pradesh. MSME industry association headquartered in Lucknow with chapters across Uttar Pradesh.
- [Indian Institute of Entrepreneurship (IIE)](https://www.iie.gov.in): Government & startup mission, Guwahati, Assam. Autonomous national institute under the Ministry of Skill Development and Entrepreneurship promoting entrepreneurship since 1993.
- [InFED, IIM Nagpur](https://www.iimnagpur.ac.in): Incubator, Nagpur, Maharashtra. Foundation for Entrepreneurship Development at IIM Nagpur that incubates and accelerates early-stage startups.
- [Innovation & Incubation Centre for Entrepreneurship (IICE), IISER Bhopal](https://www.iiserb.ac.in): Incubator, Bhopal, Madhya Pradesh. DST-supported technology business incubator at IISER Bhopal for science and deep-tech startups.
- [Internet and Mobile Association of India (IAMAI)](https://www.iamai.in): Industry association, New Delhi, Delhi. Industry body representing India's internet, digital and mobile businesses, including startups.
- [Internet and Mobile Association of India (IAMAI)](https://www.iamai.in): Industry association, Mumbai, Maharashtra. Industry body for India's internet and digital businesses, with an additional office in New Delhi.
- [Invest India](https://www.investindia.gov.in): Government & startup mission, New Delhi, Delhi. National investment promotion and facilitation agency that also operates the Startup India hub.
- [Invest Karnataka Forum](https://investkarnataka.co.in): Government & startup mission, Bengaluru, Karnataka. State investment promotion agency of Karnataka that facilitates investors and businesses setting up in the state.
- [iSPIRT Foundation](https://ispirt.in): Industry association, Bengaluru, Karnataka. Volunteer-run think tank for India's software product industry and digital public infrastructure.
- [iStart Rajasthan](https://istart.rajasthan.gov.in): Government & startup mission, Jaipur, Rajasthan. Flagship startup programme of the Department of IT & Communication, Government of Rajasthan, handling startup recognition, funding and incubation.
- [iTIC Incubator, IIT Hyderabad](https://itic.iith.ac.in): Incubator, Sangareddy, Telangana. Technology incubator of IIT Hyderabad supporting deep-tech and product startups.
- [Jammu and Kashmir Entrepreneurship Development Institute (JKEDI)](https://www.jkedi.org): Government & startup mission, Pampore, Jammu & Kashmir. J&K government institute for entrepreneurship development that also hosts an Atal Incubation Centre.
- [Kanara Chamber of Commerce and Industry](https://kanarachamber.com): Chamber of commerce, Mangaluru, Karnataka. Chamber of commerce for Mangaluru and the Dakshina Kannada region.
- [Karnatak Chamber of Commerce and Industry, Hubballi](https://kccihubballi.org): Chamber of commerce, Hubballi, Karnataka. Chamber of commerce and industry representing businesses in Hubballi-Dharwad and north Karnataka.
- [Karnataka Innovation and Technology Society (KITS) / Startup Karnataka](https://startup.karnataka.gov.in): Government & startup mission, Bengaluru, Karnataka. State agency under the IT, BT and S&T department that runs Startup Karnataka, Elevate grants and the Bengaluru Tech Summit.
- [Karnataka Small Scale Industries Association (KASSIA)](https://kassia.com): Industry association, Bengaluru, Karnataka. State association of small scale industries in Karnataka representing MSMEs on policy, power, land and finance issues.
- [Kerala Startup Mission (KSUM)](https://startupmission.kerala.gov.in): Government & startup mission, Thiruvananthapuram, Kerala. Kerala government's nodal agency for startups; its head office also houses the Technopark Technology Business Incubator.
- [KIIT Technology Business Incubator (KIIT-TBI)](https://kiitincubator.in): Incubator, Bhubaneswar, Odisha. Technology business incubator of KIIT University set up in 2009 with NSTEDB support.
- [KSUM Integrated Startup Complex](https://startupmission.kerala.gov.in): Incubator, Kochi, Kerala. KSUM's startup hub in Kochi with incubation space, Super Fab Lab and allied facilities.
- [Laghu Udyog Bharati](https://lubindia.com): Industry association, New Delhi, Delhi. All-India association of micro and small industries with state and district units.
- [Madras Chamber of Commerce and Industry (MCCI)](https://madraschamber.in): Chamber of commerce, Chennai, Tamil Nadu. Chamber of commerce founded in 1836 representing industry and trade in Chennai and Tamil Nadu.
- [Madurai Agri Business Incubation Forum (MABIF)](https://mabif.com): Incubator, Madurai, Tamil Nadu. Agribusiness incubator of NABARD and TNAU in Madurai supporting agri and food startups.
- [Maharashtra Chamber of Commerce, Industry and Agriculture (MACCIA)](https://maccia.org.in): Chamber of commerce, Mumbai, Maharashtra. State-level apex chamber representing trade, industry and agriculture across Maharashtra.
- [Maharashtra State Innovation Society (MSInS)](https://msins.in): Government & startup mission, Mumbai, Maharashtra. State nodal agency implementing Maharashtra's startup and innovation policy, grants and Startup Week.
- [Mahratta Chamber of Commerce, Industries and Agriculture (MCCIA)](https://www.mcciapune.com): Chamber of commerce, Pune, Maharashtra. Pune's main chamber of commerce, running industry, export and startup support programmes.
- [Maker Village](https://www.makervillage.in): Incubator, Kochi, Kerala. Hardware and electronics incubator run by Digital University Kerala (formerly IIITM-K) with government support.
- [Marathwada Accelerator for Growth and Incubation Council (MAGIC)](https://www.magicincubation.com): Incubator, Chhatrapati Sambhajinagar, Maharashtra. Industry-led incubator promoted by CMIA supporting startups across the Marathwada region.
- [Marathwada Association of Small Scale Industries and Agriculture (MASSIA)](https://massia.org): Industry association, Chhatrapati Sambhajinagar, Maharashtra. Association of small and medium industries in Chhatrapati Sambhajinagar, founded in 1978.
- [MCIIE, IIT (BHU) Varanasi](https://www.iitbhu.ac.in): Incubator, Varanasi, Uttar Pradesh. Malaviya Centre for Innovation, Incubation and Entrepreneurship at IIT (BHU), supporting student and faculty startups.
- [MeitY Startup Hub](https://msh.meity.gov.in): Government & startup mission, New Delhi, Delhi. National platform of the Ministry of Electronics and IT for tech startups, incubators and related schemes.
- [Merchants' Chamber of Commerce & Industry (MCCI)](https://www.mcciorg.com): Chamber of commerce, Kolkata, West Bengal. Kolkata chamber of commerce and industry founded in 1901.
- [Merchants' Chamber of Uttar Pradesh](https://www.merchantschamberup.com): Chamber of commerce, Kanpur, Uttar Pradesh. Apex trade and industry body of Uttar Pradesh, based in Kanpur since 1932.
- [Mewar Chamber of Commerce and Industry](https://mccibhilwara.com): Chamber of commerce, Bhilwara, Rajasthan. Bhilwara-based chamber of commerce and industry serving the Mewar region of Rajasthan.
- [MNIT Innovation and Incubation Centre (MIIC)](https://miic.mnit.ac.in): Incubator, Jaipur, Rajasthan. Technology business incubator of Malaviya National Institute of Technology Jaipur supporting tech startups.
- [MP Startup Centre](https://startup.mp.gov.in): Government & startup mission, Bhopal, Madhya Pradesh. State startup nodal centre under the Department of MSME, Government of Madhya Pradesh, implementing the MP Startup Policy.
- [MSME Development and Facilitation Office, Mumbai](https://dcmsme.gov.in): Government & startup mission, Mumbai, Maharashtra. Ministry of MSME field office providing schemes, training and facilitation for small businesses in Maharashtra.
- [Nag Vidarbha Chamber of Commerce (NVCC)](https://nvccnagpur.org): Chamber of commerce, Nagpur, Maharashtra. Chamber of commerce representing traders and businesses across Nagpur and Vidarbha.
- [Nashik Engineering Cluster (n-InC)](https://nec.org.in): Incubator, Nashik, Maharashtra. Not-for-profit engineering cluster running the n-InC incubation centre for manufacturing and deep-tech startups.
- [Nashik Industries and Manufacturers Association (NIMA)](https://sumitkasardekar.com/ecosystem): Industry association, Nashik, Maharashtra. Industry association representing manufacturers in Nashik's MIDC industrial areas.
- [nasscom](https://nasscom.in): Industry association, Noida, Uttar Pradesh. Industry association for India's technology sector, running startup and deep tech programmes.
- [NASSCOM](https://nasscom.in/): Industry association, New Delhi, Delhi. Industry association for India's technology sector, with startup programmes.
- [NASSCOM Pune](https://nasscom.in/regional): Industry association, Pune, Maharashtra. Pune regional office of NASSCOM, the IT and technology industry association.
- [National Institute for Micro, Small and Medium Enterprises (ni-msme)](https://www.nimsme.gov.in): Government & startup mission, Hyderabad, Telangana. Ministry of MSME institute providing entrepreneurship training, research and consultancy for small enterprises.
- [National Small Industries Corporation (NSIC)](https://www.nsic.co.in): Government & startup mission, New Delhi, Delhi. Government of India enterprise under the Ministry of MSME providing credit, marketing and technology support to small businesses.
- [NITK Science and Technology Entrepreneurs' Park (NITK-STEP)](https://step.nitk.ac.in): Incubator, Mangaluru, Karnataka. Technology incubator at NIT Karnataka Surathkal supporting early-stage startups in coastal Karnataka.
- [NSRCEL, IIM Bangalore](https://www.nsrcel.org): Incubator, Bengaluru, Karnataka. Startup hub and incubator of IIM Bangalore supporting early-stage, social and women-led ventures through incubation and pre-incubation programmes.
- [O-Hub (Odisha Startup Incubation Centre)](https://startupodisha.gov.in): Incubator, Bhubaneswar, Odisha. Government of Odisha startup hub in a twin-tower facility at Chandaka, Bhubaneswar, with capacity for about 400 startups.
- [Office of the Development Commissioner (MSME)](https://dcmsme.gov.in): Government & startup mission, New Delhi, Delhi. Ministry of MSME office that runs MSME schemes and the network of MSME Development and Facilitation Offices.
- [Payments Council of India (PCI)](https://www.paymentscouncil.in): Industry association, Mumbai, Maharashtra. Industry body under IAMAI representing non-bank payment companies; co-organiser of Global Fintech Fest.
- [PHD Chamber of Commerce and Industry](https://www.phdcci.in): Chamber of commerce, New Delhi, Delhi. National apex chamber headquartered in Delhi with a strong base in north Indian states.
- [PRIME Meghalaya](https://www.primemeghalaya.com): Government & startup mission, Shillong, Meghalaya. Government of Meghalaya entrepreneurship programme and hub supporting founders across the state.
- [PSG STEP](https://www.psgstep.org): Incubator, Coimbatore, Tamil Nadu. Science and Technology Entrepreneurs Park at PSG College of Technology supporting technology startups.
- [Rajasthan Chamber of Commerce and Industry](https://www.rajchamber.com): Chamber of commerce, Jaipur, Rajasthan. State-level chamber of commerce and industry based in Jaipur, registered in 1949.
- [Ratan Tata Innovation Hub](https://apit.ap.gov.in/assets/files/2025ITC_36265_MS6_E-2%20-%20RTIH.pdf): Government & startup mission, Amaravati, Andhra Pradesh. Andhra Pradesh government innovation hub headquartered in Mangalagiri, coordinating startup support across regional spokes.
- [RCOEM TBI Foundation](http://rcoemtbi.org): Incubator, Nagpur, Maharashtra. Technology business incubator of Ramdeobaba University (formerly RCOEM), Nagpur.
- [riidl, Somaiya Vidyavihar University](https://riidl.org): Incubator, Mumbai, Maharashtra. Incubator and innovation centre of Somaiya Vidyavihar University with a fab lab and bio lab.
- [Sandip TBI](https://sandipincubator.org): Incubator, Nashik, Maharashtra. DST-supported technology business incubator at Sandip Foundation, Nashik.
- [Science and Technology Park, Pune (SciTech Park)](https://scitechpark.org.in): Incubator, Pune, Maharashtra. DST-backed science and technology entrepreneurs park set up in 1986 on the Pune University campus.
- [Shivaji University Centre for Innovation, Incubation and Linkages (SCIIL)](https://www.unishivaji.ac.in/sciil/About-Us): Incubator, Kolhapur, Maharashtra. University incubation centre of Shivaji University, Kolhapur, supporting student and faculty startups.
- [SIIC IIT Kanpur](https://www.siicincubator.com): Incubator, Kanpur, Uttar Pradesh. Startup Incubation and Innovation Centre of IIT Kanpur, one of India's older deep tech incubators.
- [Silvassa Industries Association (SIA)](https://www.siasilvassa.com): Industry association, Silvassa, Dadra & Nagar Haveli and Daman & Diu. Industry association serving manufacturers in Silvassa and Dadra and Nagar Haveli since 1973.
- [SINE IIT Bombay](https://www.sineiitb.org): Incubator, Mumbai, Maharashtra. Technology business incubator of IIT Bombay supporting deep-tech and technology startups.
- [SJCE-STEP](https://sjcestep.in): Incubator, Mysuru, Karnataka. Science and technology entrepreneurs park and incubator at JSS Science and Technology University, Mysuru.
- [Society for Innovation and Development (SID), IISc](https://sid.iisc.ac.in): Incubator, Bengaluru, Karnataka. IISc-linked society that incubates deep science and technology startups and manages industry collaboration for the institute.
- [Software Technology Parks of India (STPI)](https://stpi.in): Government & startup mission, New Delhi, Delhi. MeitY society that runs software technology parks and a national network of tech startup incubation centres.
- [Startup and IT Promotion Cell, Goa (Startup Goa)](https://www.startup.goa.gov.in): Government & startup mission, Panaji, Goa. Goa government nodal cell for startup certification, incentives and the state startup policy.
- [Startup Assam](https://startup.assam.gov.in): Government & startup mission, Guwahati, Assam. Government of Assam startup initiative operating under the Assam Startup Policy.
- [Startup Bengal](https://startupbengal.in): Government & startup mission, Kolkata, West Bengal. Government of West Bengal startup mission with a State Startup Resource Centre in Kolkata and acceleration centres in 23 districts.
- [Startup Bihar](https://startup.bihar.gov.in): Government & startup mission, Patna, Bihar. Government of Bihar startup programme under the Bihar Startup Policy, run by the Department of Industries.
- [Startup Grind Bangalore](https://startupgrind.com/bangalore/): Founder & business community, Bengaluru, Karnataka. Bengaluru chapter of Startup Grind, a global founder community that hosts talks and networking events.
- [Startup Grind Bhubaneswar](https://www.startupgrind.com/bhubaneswar/): Founder & business community, Bhubaneswar, Odisha. Bhubaneswar chapter of the global Startup Grind community hosting founder events.
- [Startup Grind Chandigarh](https://www.startupgrind.com/chandigarh/): Founder & business community, Chandigarh. Chandigarh chapter of Startup Grind, the global founder community that hosts fireside chats and meetups.
- [Startup Grind Delhi](https://www.startupgrind.com/delhi/): Founder & business community, Delhi. Delhi chapter of Startup Grind, the global founder community that hosts fireside chats and meetups.
- [Startup Grind Gurgaon](https://www.startupgrind.com/gurgaon/): Founder & business community, Gurugram, Haryana. Gurgaon chapter of Startup Grind, the global founder community that hosts fireside chats and meetups.
- [Startup Grind Hyderabad](https://www.startupgrind.com/hyderabad/): Founder & business community, Hyderabad, Telangana. Hyderabad chapter of Startup Grind, hosting founder talks and meetups.
- [Startup Grind Indore](https://www.startupgrind.com/indore/): Founder & business community, Indore, Madhya Pradesh. Indore chapter of the global Startup Grind community hosting founder talks and meetups.
- [Startup Grind Jaipur](https://www.startupgrind.com/jaipur/): Founder & business community, Jaipur, Rajasthan. Jaipur chapter of the global Startup Grind community hosting founder talks and meetups.
- [Startup Grind Kochi](https://startupgrind.com/kochi/): Founder & business community, Kochi, Kerala. Kochi chapter of Startup Grind, a global founder community that hosts talks and networking events.
- [Startup Grind Lucknow](https://www.startupgrind.com/lucknow/): Founder & business community, Lucknow, Uttar Pradesh. Lucknow chapter of Startup Grind, the global founder community that hosts fireside chats and meetups.
- [Startup Grind Mumbai](https://www.startupgrind.com/mumbai/): Founder & business community, Mumbai, Maharashtra. Mumbai chapter of Startup Grind hosting founder fireside chats, workshops and networking.
- [Startup Grind Pune](https://www.startupgrind.com/pune): Founder & business community, Pune, Maharashtra. Pune chapter of Startup Grind hosting founder fireside chats and networking events.
- [Startup Grind Raipur](https://www.startupgrind.com/raipur/): Founder & business community, Raipur, Chhattisgarh. Raipur chapter of the global Startup Grind community hosting founder events.
- [Startup Haryana](https://startupharyana.gov.in): Government & startup mission, Chandigarh, Haryana. Haryana Industries and Commerce Department's startup portal for registration, incentives and incubator support.
- [Startup Himachal](https://emerginghimachal.hp.gov.in/startup/): Government & startup mission, Shimla, Himachal Pradesh. Himachal Pradesh Industries Department startup scheme supporting startups through recognised incubators.
- [Startup Jharkhand](https://startupjharkhand.org): Accelerator & venture studio, Ranchi, Jharkhand. Non-government Section 8 startup accelerator run by I-Hub Startup Jharkhand Foundation, hosting monthly founder mixers in Ranchi and Jamshedpur.
- [Startup Mahakumbh](https://startupmahakumbh.org): Event & summit, New Delhi, Delhi. Large national startup event at Bharat Mandapam backed by DPIIT and industry bodies, with FICCI as a secretariat partner.
- [Startup Manipur](https://startupmanipur.in): Government & startup mission, Imphal, Manipur. Government of Manipur startup scheme to build an entrepreneurship ecosystem for the state's youth.
- [Startup Nagaland](https://www.startupnagaland.in): Government & startup mission, Kohima, Nagaland. Nagaland's startup portal and programme running workshops and support for entrepreneurs in the state.
- [Startup Oasis](https://startupoasis.in): Incubator, Jaipur, Rajasthan. Jaipur incubator set up as a CIIE (IIM Ahmedabad) initiative with RIICO, supporting early-stage startups and social enterprises.
- [Startup Odisha](https://startupodisha.gov.in): Government & startup mission, Bhubaneswar, Odisha. Government of Odisha startup mission handling recognition, incentives, funding and incubation coordination.
- [Startup UP (StartInUP)](https://startinup.up.gov.in): Government & startup mission, Lucknow, Uttar Pradesh. Uttar Pradesh government's startup programme for startup and incubator recognition, incentives and Centres of Excellence.
- [Startup Uttarakhand](https://startuputtarakhand.com): Government & startup mission, Dehradun, Uttarakhand. Government of Uttarakhand startup initiative handling registration, incubator recognition, policy and mentoring.
- [StartupTN (Tamil Nadu Startup and Innovation Mission)](https://startuptn.in): Government & startup mission, Chennai, Tamil Nadu. Tamil Nadu government nodal agency for startups, running grants, incubator support and regional hubs across the state.
- [STEP IIT Kharagpur](https://www.stepiitkgp.in): Incubator, Kharagpur, West Bengal. Science and Technology Entrepreneurs Park at IIT Kharagpur that incubates technology startups.
- [STPI Mohali](https://mohali.stpi.in): Government & startup mission, Mohali, Punjab. Mohali centre of Software Technology Parks of India, serving IT units and startups in Punjab.
- [STPI Noida](https://noida.stpi.in): Government & startup mission, Noida, Uttar Pradesh. Noida centre of Software Technology Parks of India, offering IT export services and startup incubation facilities.
- [T-Works](https://tworks.telangana.gov.in): Government & startup mission, Hyderabad, Telangana. Government of Telangana prototyping centre giving hardware startups and makers access to fabrication facilities.
- [Tamil Nadu Global Startup Summit (TNGSS)](https://startuptn.in): Event & summit, Coimbatore, Tamil Nadu. StartupTN's global startup summit; the 2025 edition was held at the CODISSIA Trade Fair Complex, Coimbatore.
- [Tamilnadu Chamber of Commerce and Industry](https://www.tnchamber.in): Chamber of commerce, Madurai, Tamil Nadu. Madurai-based state chamber of commerce representing trade and industry in southern Tamil Nadu.
- [TANSTIA (Tamil Nadu Small and Tiny Industries Association)](https://tanstia.org.in): Industry association, Chennai, Tamil Nadu. State association of micro, small and tiny industries in Tamil Nadu, representing MSMEs on policy and support.
- [Tech Entrepreneurs Association of Mumbai (TEAM)](https://mumbaitechweek.com/about-us): Industry association, Mumbai, Maharashtra. Not-for-profit community of Mumbai tech founders that organises Mumbai Tech Week.
- [Technology Business Incubator, NIT Calicut](https://tbi.nitc.ac.in): Incubator, Kozhikode, Kerala. Technology business incubator at NIT Calicut supporting engineering and technology startups.
- [TechSparks (YourStory)](https://techsparks.yourstory.com): Event & summit, Bengaluru, Karnataka. YourStory's annual startup and technology conference held in Bengaluru.
- [Telangana State Innovation Cell (TSIC)](https://teamtsic.telangana.gov.in): Government & startup mission, Hyderabad, Telangana. State innovation cell under Telangana's ITE&C department promoting grassroots, school and startup innovation.
- [Thane Small Scale Industries Association (TSSIA)](https://tssia.org): Industry association, Thane, Maharashtra. Association of small and medium industries in Thane, based in Wagle Industrial Estate.
- [The Bengal Chamber of Commerce & Industry](https://www.bengalchamber.com): Chamber of commerce, Kolkata, West Bengal. One of India's oldest chambers of commerce, based in Kolkata and active in policy, events and member services.
- [The Chamber of Commerce, Thrissur](https://www.thrissurchamber.com): Chamber of commerce, Thrissur, Kerala. Chamber of commerce for traders and industry in Thrissur.
- [The Malabar Chamber of Commerce](https://www.malabarchamber.com): Chamber of commerce, Kozhikode, Kerala. Chamber of commerce for trade and industry in Kozhikode and the Malabar region.
- [The Tamil Chamber of Commerce](https://www.tamilchamber.org): Chamber of commerce, Chennai, Tamil Nadu. Chennai-based chamber of commerce representing traders and businesses.
- [TIDES Business Incubator, IIT Roorkee](https://tides.iitr.ac.in): Incubator, Roorkee, Uttarakhand. Business incubator hosted at IIT Roorkee supporting technology startups in the region.
- [TiE Bangalore](https://bangalore.tie.org): Business network, Bengaluru, Karnataka. Bengaluru chapter of The Indus Entrepreneurs, running mentoring, events and programmes for founders.
- [TiE Bhubaneswar](https://bhubaneswar.tie.org): Business network, Bhubaneswar, Odisha. Bhubaneswar chapter of The Indus Entrepreneurs supporting Odisha founders with mentoring and networking.
- [TiE Chandigarh](https://chandigarh.tie.org): Business network, Mohali, Punjab. Tricity chapter of TiE running mentoring, networking and the TiECon Chandigarh events.
- [TiE Chennai](https://chennai.tie.org): Business network, Chennai, Tamil Nadu. Chennai chapter of The Indus Entrepreneurs, offering mentoring, events and networking for founders.
- [TiE Coimbatore](https://tiecoimbatore.org): Business network, Coimbatore, Tamil Nadu. Coimbatore chapter of The Indus Entrepreneurs, running mentoring, pitch events and founder networking.
- [TiE Dehradun](https://tie.org): Business network, Dehradun, Uttarakhand. Dehradun chapter of TiE serving entrepreneurs in Uttarakhand.
- [TiE Delhi-NCR](https://delhi.tie.org): Business network, New Delhi, Delhi. Delhi-NCR chapter of TiE; also has an office at Advant IT Park, Sector 142, Noida.
- [TiE Global](https://tie.org/): Founder & business community, Pan-India. The Indus Entrepreneurs: global entrepreneurship network with chapters across Indian cities.
- [TiE Hyderabad](https://tiehyderabad.org): Business network, Hyderabad, Telangana. Hyderabad chapter of The Indus Entrepreneurs, offering mentoring, programmes and networking for founders.
- [TiE Indore](https://indore.tie.org): Business network, Indore, Madhya Pradesh. Indore chapter of The Indus Entrepreneurs fostering entrepreneurship in central India through mentoring and networking.
- [TiE Kerala](https://kerala.tie.org): Business network, Kochi, Kerala. Kerala chapter of The Indus Entrepreneurs, running mentoring, events and programmes for founders.
- [TiE Kolkata](https://tiekolkata.org): Business network, Kolkata, West Bengal. Kolkata chapter of The Indus Entrepreneurs offering mentoring, events and investor connects for founders.
- [TiE Lucknow](https://lucknow.tie.org): Business network, Lucknow, Uttar Pradesh. Lucknow chapter of TiE, the global network of entrepreneurs and mentors.
- [TiE Mangaluru](https://mangaluru.tie.org): Business network, Mangaluru, Karnataka. Mangaluru chapter of The Indus Entrepreneurs, launched with support from TiE Bangalore to grow the coastal tech ecosystem.
- [TiE Mumbai](https://mumbai.tie.org): Business network, Mumbai, Maharashtra. Mumbai chapter of The Indus Entrepreneurs, running mentoring, events and TiECon Mumbai.
- [TiE Nagpur](https://nagpur.tie.org): Business network, Nagpur, Maharashtra. Nagpur chapter of The Indus Entrepreneurs supporting founders in Vidarbha.
- [TiE Panjim](https://panjim.tie.org): Business network, Panaji, Goa. Goa chapter of The Indus Entrepreneurs, launched in February 2026.
- [TiE Patna](https://tiepatna.org): Business network, Patna, Bihar. Patna chapter of The Indus Entrepreneurs offering mentoring and networking for Bihar founders.
- [TiE Pune](https://tiepune.org): Business network, Pune, Maharashtra. Pune chapter of The Indus Entrepreneurs, running mentoring programmes and TiECON Pune.
- [TiE Rajasthan](https://rajasthan.tie.org): Business network, Jaipur, Rajasthan. Jaipur-based chapter of The Indus Entrepreneurs offering mentoring, networking and programmes such as TiE University for founders.
- [TiE Udaipur](https://udaipur.tie.org): Business network, Udaipur, Rajasthan. Udaipur chapter of The Indus Entrepreneurs providing startup mentorship, events and investor connects.
- [TiE UP (Kanpur)](https://tie.org): Business network, Kanpur, Uttar Pradesh. Uttar Pradesh chapter of TiE based in Kanpur.
- [TiE Vizag](https://vizag.tie.org): Business network, Visakhapatnam, Andhra Pradesh. Visakhapatnam chapter of The Indus Entrepreneurs, supporting founders through mentoring and events.
- [TiECon Mumbai](https://mumbai.tie.org): Event & summit, Mumbai, Maharashtra. Annual entrepreneurship conference of TiE Mumbai; the 18th edition was held in March 2025.
- [TiECON Pune](https://tiepune.org): Event & summit, Pune, Maharashtra. Annual two-day entrepreneurship conference of TiE Pune; the 10th edition was held in February 2025.
- [TISC - IIT Jodhpur Incubator](https://www.iitj.ac.in): Incubator, Jodhpur, Rajasthan. Section 8 technology business incubator of IIT Jodhpur supporting deep-tech startups.
- [TREC-STEP](https://www.trecstep.com): Incubator, Tiruchirappalli, Tamil Nadu. One of India's earliest Science and Technology Entrepreneurs Parks, located on the NIT Trichy campus.
- [Udaipur Chamber of Commerce and Industry (UCCI)](https://ucciudaipur.com): Chamber of commerce, Udaipur, Rajasthan. Chamber of commerce and industry representing businesses of Udaipur and southern Rajasthan.
- [Udhmodya Foundation (University of Delhi incubator)](https://udhmodyadu.in): Incubator, Delhi. University of Delhi's Section 8 incubation foundation offering round-the-clock incubation support to startups.
- [UP International Trade Show](https://upinternationaltradeshow.com): Event & summit, Greater Noida, Uttar Pradesh. Annual Uttar Pradesh government B2B trade show showcasing MSMEs, ODOP products and exporters in Greater Noida.
- [Venture Center](https://www.venturecenter.co.in): Incubator, Pune, Maharashtra. Science and technology incubator hosted by CSIR-NCL supporting deep-tech, biotech and materials startups.
- [Vidarbha Industries Association (VIA)](https://viaindia.com): Industry association, Nagpur, Maharashtra. Industry association representing manufacturers and businesses across the Vidarbha region.
- [Villgro Innovations Foundation](https://villgro.org): Incubator, Chennai, Tamil Nadu. Social enterprise incubator supporting early-stage impact startups in health, agriculture, climate and livelihoods.
- [WE Hub](https://wehub.telangana.gov.in): Incubator, Hyderabad, Telangana. Government of Telangana incubator dedicated to women-led startups and enterprises.
- [Women's Indian Chamber of Commerce and Industry (WICCI)](https://www.wicci.in): Chamber of commerce, Pan-India. National chamber for women entrepreneurs organised as sector and state councils across India.
- [Young Indians (Yi) Amaravati](https://youngindians.net): Business network, Amaravati, Andhra Pradesh. Amaravati chapter of Young Indians, the youth wing of CII.
- [Young Indians (Yi) Bengaluru](https://youngindians.net): Business network, Bengaluru, Karnataka. Bengaluru chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Chandigarh Chapter](https://youngindians.net): Business network, Chandigarh. Chandigarh chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Chennai](https://youngindians.net): Business network, Chennai, Tamil Nadu. Chennai chapter of Young Indians, the youth wing of CII bringing together young entrepreneurs and professionals.
- [Young Indians (Yi) Coimbatore](https://youngindians.net): Business network, Coimbatore, Tamil Nadu. Coimbatore chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Dehradun Chapter](https://youngindians.net): Business network, Dehradun, Uttarakhand. Dehradun chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Delhi Chapter](https://youngindians.net): Business network, Delhi. Delhi chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Goa](https://youngindians.net): Business network, Goa. Goa chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Gurugram Chapter](https://youngindians.net): Business network, Gurugram, Haryana. Gurugram chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Hyderabad](https://youngindians.net): Business network, Hyderabad, Telangana. Hyderabad chapter of Young Indians, the youth wing of CII.
- [Young Indians (Yi) Kanpur Chapter](https://youngindians.net): Business network, Kanpur, Uttar Pradesh. Kanpur chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Lucknow Chapter](https://youngindians.net): Business network, Lucknow, Uttar Pradesh. Lucknow chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Madurai](https://youngindians.net): Business network, Madurai, Tamil Nadu. Madurai chapter of Young Indians, the youth wing of CII.
- [Young Indians (Yi) Mangaluru](https://youngindians.net): Business network, Mangaluru, Karnataka. Mangaluru chapter of Young Indians, the CII youth wing, set up in 2020.
- [Young Indians (Yi) Mumbai](https://youngindians.net): Business network, Mumbai, Maharashtra. Mumbai chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Mysuru](https://youngindians.net): Business network, Mysuru, Karnataka. Mysuru chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Nagpur](https://youngindians.net): Business network, Nagpur, Maharashtra. Nagpur chapter of Young Indians (CII), launched in March 2023.
- [Young Indians (Yi) Nashik](https://youngindians.net): Business network, Nashik, Maharashtra. Nashik chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) National Office](https://youngindians.net): Business network, Gurugram, Haryana. National office of Young Indians, CII's forum for young entrepreneurs and leaders.
- [Young Indians (Yi) Noida Chapter](https://youngindians.net): Business network, Noida, Uttar Pradesh. Noida chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Puducherry](https://youngindians.net): Business network, Puducherry. Puducherry chapter of Young Indians, the youth wing of CII.
- [Young Indians (Yi) Pune](https://youngindians.net): Business network, Pune, Maharashtra. Pune chapter of Young Indians, the youth wing of CII for young entrepreneurs and professionals.
- [Young Indians (Yi) Tirupati](https://youngindians.net): Business network, Tirupati, Andhra Pradesh. Tirupati chapter of Young Indians, the youth wing of CII.
- [Young Indians (Yi) Trichy](https://youngindians.net): Business network, Tiruchirappalli, Tamil Nadu. Trichy chapter of Young Indians, the youth wing of CII.
- [Young Indians (Yi) Varanasi Chapter](https://youngindians.net): Business network, Varanasi, Uttar Pradesh. Varanasi chapter of Young Indians, CII's network for young entrepreneurs and professionals.
- [Young Indians (Yi) Visakhapatnam](https://youngindians.net): Business network, Visakhapatnam, Andhra Pradesh. Visakhapatnam chapter of Young Indians, the youth wing of CII.
- [Zone Startups India](https://india.zonestartups.com): Accelerator & venture studio, Mumbai, Maharashtra. Startup accelerator and incubator run from the BSE building, a joint venture of BSE Institute and Canadian universities.

## Optional

- [Full text for AI assistants](https://sumitkasardekar.com/llms-full.txt): About, the THV story, every published insight and the FAQs as plain text
- [Insights RSS feed](https://sumitkasardekar.com/rss.xml)
- [Sitemap](https://sumitkasardekar.com/sitemap.xml)
- [The Harsmit Ventures website](https://www.theharsmitventures.com/): THV's own website with its services