The Economic Survey 2025-26, released by the Government of India’s Ministry of Finance, highlights the sector’s contribution to the economy, accounting for 31.1% of India’s GDP, 35.4% of manufacturing output and 48.58% of exports. These figures underscore the economic significance of MSMEs and the importance of their financial preparedness as businesses navigate seasonal demand while maintaining day-to-day operations.
Preparing for the festive season requires businesses to assess material procurement costs against anticipated sales. Reviewing previous sales patterns, coordinating with suppliers and forecasting expenses can help enterprises plan purchases and manage inventory requirements. Businesses must also account for the gap between upfront expenditure and payments received from customers, as this can affect cash flow during periods of increased activity.
Access to finance is one factor MSMEs may consider when addressing these working capital requirements. However, businesses need to assess their financing needs against projected cash flows, repayment capacity and borrowing costs to ensure that seasonal expansion remains financially sustainable.
Timely financing can help eligible MSMEs meet seasonal expenses and prepare for an increase in festive demand. Lendingkart offers business loans of up to Rs. 50 lakh to eligible businesses. Enterprises evaluating their working capital requirements ahead of the festive season may consider such financing options based on their individual needs and financial capacity.
Commenting on the importance of financial preparedness, Aman Khanna, Digital Marketing Director, Lendingkart, said, “The festive season presents significant growth opportunities for India’s MSMEs, but capitalising on demand requires careful financial planning. Anticipating working capital needs and accessing credit responsibly can help businesses manage seasonal fluctuations and build long-term resilience.”
As Diwali approaches, demand forecasting, disciplined inventory management and prudent financial planning remain key considerations for MSMEs preparing to meet seasonal requirements while keeping their longer-term business priorities in view.
Lendingkart is a fintech company focused on facilitating access to business finance for micro, small and medium enterprises (MSMEs) across India. Through its technology-driven approach, the company offers business loans of up to Rs. 50 lakh to eligible businesses, subject to assessment and verification.
The company helps eligible enterprises meet working capital requirements, finance operational expenses and support business growth. Its digital lending model is designed to simplify the loan application process for business owners across India.
For more information, visit www.lendingkart.com.
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