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Pranam According to INC42 , the Indian start-ups have raised about $42 Billion in 2021 spread over 1584 deals, the same was $25 Billion in 2022 spread over 1517 deals . However, the same between the period I Jan 2023 till 21 March 2023 was $3 Billion spread over 3 deals. As per Tracxn Indian Start-ups raised a mere $5.46 billion in the first SIX months of 2023 as compared to $17.1 billion during the first SIX months of 2022 i.e a substantial decline of 68%. There are many reasons for this decline , however this post is not for understanding the reasons for such a decline . In this post I will like to highlight the documentations that goes with such Startup Funding Deals. All said and done, the start-up ecosystem is here to stay as the Government of the day is also promoting the same or atleast that is what is being said.  The investors are willing to set aside a part of their corpus to invest in this HIGH RISK asset class.  And accelerators and angel funds have made such a inv...

Pranam Our elders taught us to spend less and save more .But now, we are taught spend more as it will help our producers , sellers , Banks and NBFC's  and hence the economy. Now to sell the sellers come up with innovative ( or cheating ) ideas one such idea being Zero Percent Finance (ZPF) . Aisa kabhi hota hai kya ? .  The best economic lesson is "Caveat Emptor" i,e "Let the Buyer Beware." Let us dissect this ZPF myth with an example. Suppose that Ramesh want's to buy a AC from a store the price being Rs.48000 with a cash discount of Rs.4000. However the budget of Ramesh is Rs.35000 only and hence he says no .The smart sales executive ( not salesman) counsels him and says  "at our shop we will not allow money to come in between you and your dreams as we provide ZPF" . He says you just need to pay Rs.1000 processing fee and Rs.16,000 i.e 4 months EMI in advance and rest you can pay in installments .Ramesh praises the sales executive buys the AC a...