To make SME BOTS an accelerator engine in the growth and development of its clientele


To position SME BOTS as a foremost facility provider to business entities to enhance their overall competitiveness by improving on management and corporate governance, breakthrough business results and robust financial positions.

About Partners & Associates

Rajesh Dubey, Grad CMA, CA

Rajesh Dubey

Rajesh has around 25 years of experience in SME lending, project finance for projects ranging from small sized set up by SMEs or large infrastructure ones, lending to financial institutions and NBFCs. He has been involved in policy development through SIDBI and now through SME associations (like CII on its MSME council and with SME focused associations like FISME) where he is actively involved. He was associated in setting up institutions like Credit Guarantee Fund for Micro and Small Enterprises and an SME focussed Credit Rating Agency in India. The rating agency has been internationally recognised as novel and unique initiative in bridging the information asymmetry and facilitating institutional credit flow to SMEs and also achieved technical assistance from World Bank led group of multi-lateral agencies.

Key Expertise

MSME Policy on Finance & Credit

Lending to MSMEs

Project finance

Business Model development

SME IPO and growth capital

Development Banking

Credit Risk & Rating

Expert on cost optimality

Equity and Debt Raising



Charu Dutt Sharma, B.Sc., MBA, CAIIB and FRM

Charudutt Sharma

Over 15 years of experience in the Banking and Credit Rating Industry, with a deep rooted understanding of Credit Risk Management. Charu has developed risk rating models for assessing risks in for-profit entities – Corporates, SMEs, MFIs and for not-for-profit entities like NGOs, charitable entities, etc; falling in the nascent stage or for existing entities with on-going business plans or for their stand alone expansion and diversification projects – for assessing the project risks. He has managed large team comprising of analysts and has participated in rating assignment to nearly 25,000 entities. He was instrumental in demonstrating rating model capability in predicting default and interacting with SEBI and RBI for accreditation of a credit rating agency, where he was earlier associated. He is natural leader and trainer and champions the pioneering GB3 approach of SME BOTS for MSMEs, Banks and Corporates.

Key Expertise


Credit Rating

Credit Risk Management

Leadership Training

Team building

Equity and Debt raising

IPO & Financial Market


Enterprise Risk Management

Vocational Training

Narendra Sharma, MA, LLB, B.Sc., CS (Inter)

Narendra Sharma

Narendra has around 25 years of rich experience in the domain of Companies Act, Arbitration and Conciliation Act, Consumer Protection Act, SICA, 1985, Recovery of Debts Due to Banks and Financial Institutions Act, 1993, Securitization Act, 2002 etc. Possess in depth expert knowledge of law in handling the prosecution of claims in Arbitration Proceedings. He is a regular contributor of articles on diversified legal topics in renowned legal magazines like Chartered Secretary, Corporate Law Adviser, Arbitration Law Reporter and Chartered Accountant Practice Journal, and also on websites and He had been member of reputed councils such as Indian Council of Arbitration – New Delhi, Indian Corporate Counsel Association – Sydney, Board of Arbitrators – Sahara (India) Financial Corporation Ltd and Convener, Legal Committee, Association of Industries – Dewas. Also had been listed as Panel Consultant on the website

He is an expert facilitator of legal opinions and pleadings in Arbitration Proceeding, Personal Guarantee and Mortgage, and drafting Counter Claims under the Law of Torts against Banks/Financial Institutions on behalf of sick companies facing recovery actions under the Recovery of Debts Act, 1993 and Securitization Act, 2002.

Key Expertise

Corporate Affairs

Company Law

Statutory & Legal Affairs and their Compliances

Business & Corporate Laws

Recovery of Debts Due to Banks and Financial Institutions Act, 1993 & Securitization Act, 2002

Personal Guarantee, Mortgage