Notes on running an MSME in India
Written for owners — cashflow, break-even, systems, team and coaching, in plain language.
Financial education: learn money and business together, not alone
Personal finance, business basics and community-based learning in simple English: peer learning, questions worth asking and a practical four-week plan.
The MSME 45-day payment rule: what every business owner should know
Section 43B(h) and the MSMED Act in simple English: who is covered, what late payment costs the buyer, and 6 steps for buyers and suppliers.
Debtor days: what they mean, how to calculate them and how to bring them down
The debtor days formula in simple English, a worked rupee example, what a high number tells you, and 8 practical ways to collect money faster.
Start small with money: the simple habit that builds financial freedom
Why starting small beats starting big: savings from ₹1,000 a month, SIP step-ups, emergency fund, debt repayment, an MSME cash reserve, and a 30-day money habit challenge.
Vision and mission: why every entrepreneur needs both
Growth without direction creates confusion. Vision as destination, mission as daily purpose, saying no to distractions, aligning your team, and connecting vision to profit and personal financial goals.
Why discipline is important to achieve goals — and can you succeed without it?
Motivation starts the journey; discipline continues it. WHY → Goal → Plan → Discipline → Progress, financial discipline, Track. Control. Scale., and systems that make discipline easier.
MSME entrepreneur mindset and long-term thinking: what is your WHY?
Two owners, equal hard work, different direction. How personal dreams become the WHY behind business goals, the goal-to-profit chain, and long-term thinking under today's pressure.
Why personal financial goals are important: from earning money to financial freedom
Coach Dhejo's story: earning is not wealth. The car-and-destination analogy, naming your goals, Personal Finance First, monthly expense planning and the Dream → Gap → Monthly Investment chain.
The primary objective of doing business is to make profit
Turnover is not profit. Revenue vs gross profit vs net profit vs cash flow, why promoter salary is not profit, the seven numbers, planning profit before the month begins, and 10 diagnostic questions.
Wealth creation for business owners: how to build wealth beyond your business
Revenue is not wealth, profit is not cash flow, cash flow is not personal wealth. A 10-step framework — promoter salary, reserves, protection, SIPs, diversification and a monthly checklist.
The importance of practice: how MSME business owners turn knowledge into results
Knowledge → Practice → Skill → Confidence → Consistency → Results: deliberate practice for sales, leadership, delegation and finance, a 30-minute daily model, a team ritual and a 7-day challenge.
Founder energy management: why your health is a business asset
Energy management for MSME owners: a 7-day founder energy audit, matching work to energy, energy leaks, four protective systems and a 7-day reset — practical, not medical advice.
Coach Sriraam & ActionCOACH: business coaching for MSME entrepreneurs
What an ActionCOACH business coach does, the six-stage framework (Mastery to Results), ABoS, GrowthCLUB, MasterCLASS and group coaching, and what MSME owners should measure.
Coach Anjum & ActionCOACH: business coaching for MSME entrepreneurs
What an ActionCOACH business coach does, the six-step framework (Mastery to Results), ActionCOACH programs including ABoS, GrowthCLUB and MasterCLASS, and what MSME owners should measure.
Time management for business owners: stop being the bottleneck
A time audit, the owner-only / delegate / automate / eliminate sort, delegation with clear authority, time blocking, the weekly CEO review and a 7-day reset to reduce founder dependency.
Who is Coach Dhejo? Business & finance coach for MSME entrepreneurs
Dhejo Govindarajulu, the Chennai-based coach behind Fortune Business Hub: his finance-first approach, what he helps MSME owners with, his frameworks, and how to start learning with him.
Entrepreneur mindset: 10 limiting beliefs holding MSME business owners back
Belief → decision → result: ten common beliefs about sales, finance, borrowing, price, people and time — each with a better alternative, one practical action, and a framework to test and reframe them.
Business core values: why they matter for every MSME entrepreneur
Vision, mission and values explained for owners: how to define four to six authentic company values, turn each one into observable behaviour, and implement them so the business runs to your standard without you.
How to make your business as interesting as a game: 20 gamification ideas
Gamification in business, applied to an MSME: missions, scores, levels, streaks, loyalty tiers and customer rewards — plus the incentive-design rule to test before you start.
The 9-Mission Finance Hackathon: from financial confusion to clarity, control and growth
Not a finance course — an implementation journey. The nine missions, why personal finance comes first, the five financial controls, and how owners move from emotional to data-supported decisions.
Capital in business: why every MSME entrepreneur must understand it
Capital is not turnover, profit, cash flow or a loan. What capital really is, the types owners should recognise, matching duration to purpose, cost of capital, and an eight-question decision framework.
Why every MSME entrepreneur must understand working capital
Profitable on paper but short of cash: where money hides, the cash conversion cycle, why growth increases cash pressure, and how to control the cycle before scaling.
Why every MSME entrepreneur must learn personal finance and business finance
Turnover is not wealth. Cost your life first, fix a promoter salary, then learn the seven business numbers — and the decisions that change once you have them.
Why knowing your break-even point matters more than knowing your turnover
Six decisions break-even makes for you, how it connects to working capital and the working capital cycle, and a worked example of profit that never reached the bank.
Goal setting for business owners: how to set goals you actually achieve
What goal setting is, the first step most owners skip, why deadlines matter, and how to write SMART business goals that survive past week three.
Break-even calculator: the one number every owner should know by heart
How to calculate break-even sales, quantity and enquiries — with the formulas, a worked example in rupees, and the free calculator.
Brad Sugars, ActionCOACH and what it means for an Indian MSME owner
Notes from the ActionCOACH Global Conference in Goa: the ideas worth carrying home, and how they change for a family-run business in India.
Business coach in Chennai: what an MSME owner should actually expect
What coaching is and is not, the four things that actually get fixed, what the first 90 days look like, and how to choose one.