Inside the SBI x Unhu Financial Awareness Session: A Practical Deep Dive for Founders

Dehradun, 19 November 2025 — In a landscape where founders constantly juggle growth, operations, and funding, access to clear, practical financial guidance is rare. The Unhu community recently experienced exactly that at a meticulously organized session at Iksana Co-working Space, offering founders direct insights into business loans, eligibility, and real pathways to growth.

The session was hosted by the SBI Managing Team, featuring two highly respected leaders:

• Mr.Manish Trivedi, Chief Manager, SBI

• Mr.Avnish, Chief Manager, SBI

At a critical stage for many early-stage ventures, this closed-door session cut through the myths and assumptions surrounding business loans, delivering transparent, actionable guidance straight from the decision-makers.

Founders in Focus: A Room Full of Opportunity

The session began with a warm introduction round. Founders shared their ventures, journeys, and financial challenges—many for the first time directly engaging with the people who influence loan approvals and funding decisions.

The SBI team immediately set expectations:

• This was not a promotional event.

• This was not a sales pitch.

Instead, participants received a candid walkthrough of how to secure a loan from SBI—covering procedures, eligibility, documentation requirements, and insider insights that can make or break an application.

MUDRA Loans: The Right Start for Growing Entrepreneurs

A key highlight was a thorough breakdown of the MUDRA Loan Scheme, designed specifically for micro and early-stage entrepreneurs.

The SBI team covered:

• Purpose and Use-Cases: Working capital, equipment purchase, stock expansion, and early-stage operations—presented in founder-friendly language.

• Applicability: Across product businesses such as F&B, jewellry, apparel, FMCG, and service sectors like coaching, creative studios, salons, and clinics.

• Eligibility: Who qualifies, required documentation, and factors that enhance approval chances.

• Common Pitfalls: Practical advice on mistakes that delay approvals, ensuring founders avoid unnecessary hurdles.

This clarity alone proved invaluable for attendees, giving them confidence to navigate financing with precision.

SBI’s Criteria Simplified

Manish Trivedi and Avnish demystified the bank’s loan evaluation process, covering:

• Essential documentation for loan applications

• Creditworthiness assessment

• Critical “dos and don’ts” during the application process

• How banks gauge trust and reliability

• Factors that delay applications

• Strategies to improve approval chances within 30 days

The approach was refreshingly straightforward—no jargon, no fluff, just actionable knowledge.

Real Questions, Real Answers

The session’s Q&A segment became its focal point, where founders posed practical questions:

• “How does SBI calculate repayment capacity?”

• “Can freelancers and solo entrepreneurs apply?”

• “What if my ITR is low?”

• “Is collateral required for small-ticket loans?”

• “How does the bank evaluate digital-first businesses?”

Every question received detailed, transparent answers, transforming complex financial concepts into clear, usable guidance.

Closing with Connection

True to Unhu’s community ethos, the session concluded with informal networking over snacks. Founders continued discussions with the SBI team and each other—exploring loan applications, potential collaborations, and next steps in their entrepreneurial journeys.

Why This Session Mattered

For many founders, the challenge is clarity, not ideas. This session delivered exactly that:

• Direct insights from SBI decision-makers

• Practical understanding of MUDRA loans and eligibility

• Actionable advice for real-world business scenarios

• A supportive environment for candid discussions

It was practical financial literacy in action, not hype or theory.

Sessions like this redefine what meaningful founder support looks like—clear information, direct access, and actionable direction. With stronger financial literacy, entrepreneurs can navigate growth with precision rather than guesswork.

Here’s to better decisions, stronger outcomes, and founders who build on solid ground.

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Written by

Yati Vandana Tripathi

Editor, Unhu Founders Journal

Editorial Note:

The perspectives in this article underscore a critical shift in India's startup ecosystem—where financial literacy and direct institutional access are becoming as essential as capital itself. As the founding community in Dehradun accelerates, Unhu continues to spotlight the systems, policies, and interventions that genuinely move founders forward.