The ECLGS was a lifesaver for registered MSMEs with existing loans, but in my colony, the chaiwallah and cycle repair fellow got nothing because their paperwork wasn't "bank-worthy." A 100% guarantee just means the bank feels safe—it doesn't mean the money reaches the hands that actually keep the city running. I see this gap every day when I walk past shuttered workshops; the scheme's success on paper feels different on the ground. My transistor radio reminds me that the real tune of our economy isn't always in the official records.
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