MAM
Ghoomer’s inspiring tale enthuses Mumbai deaf women’s cricket team at the PVR screening
Mumbai: Cricket is India’s most popular game; nothing can beat the euphoria of watching our players own the game. The men’s and women’s cricket teams swell our chests with pride. Recently released “Ghoomer” is a poignant tale showcasing the achievements of differently abled athletes in the face of adversity. The plot revolves around Anina (Saiyami Kher), a gifted cricket player whose aspirations are shattered by a life-altering event. Regardless of the setback, Anina remains unyielding, and, with the guidance of her coach Paddy (Abhishek Bachchan), she embarks on a journey to make a comeback. The duo collaborates to create a unique bowling technique, Ghoomer, which becomes the cornerstone of Anina’s triumph. The movie is a potent reminder that no challenge is insurmountable if one has the courage to persevere.
In a remarkable celebration of sporting determination and perseverance, PVR INOX hosted an exclusive screening for the Mumbai Deaf Women’s Cricket Team. The movie stands as a testament to the indomitable spirit of athletes who have triumphed over challenges in the realm of sports and served as a true tribute to the real-life sportswomen, who have stood against all odds. The eventful evening witnessed the presence of Abhishek Bachchan and Saiyami Kher, who added an extra layer of excitement for the attendees. The renowned star cast joined the Mumbai Deaf Women’s Cricket team for this special occasion, marking a true fusion of inspiration and recognition, and was amazed by the Team’s determined energy.
The players were captivated by the stellar performances portrayed in the movie and took the opportunity to engage with the star cast in conversations that highlighted the dedication and hard work put into bringing the narrative to life.
Commenting on the overwhelming response received for the film across the country, and during the screening, PVR INOX Ltd co-CEO Gautam Dutta said, “Ghoomer stands as a profoundly moving cinematic piece, a testament to the unwavering commitment, resilience, and unyielding determination in the face of challenges. The narrative not only resonates with those who have triumphed over adversity but also resonates with all those who aspire to excel in the world of sports. It has been a privilege for us to extend our hospitality to the Mumbai Deaf Women’s Cricket team. Much like Anina’s character in the film, these exceptional athletes exemplify breaking boundaries and realizing ambitions. Their genuine appreciation for the film is truly gratifying, and we eagerly anticipate embarking on many more such meaningful initiatives in the times ahead.”
Indian Deaf Cricket Association CEO Roma Balwani commented on the screening and the movie and shared, “Ghoomer is truly an exceptional film, and the thoughtful arrangement of this special evening by PVR INOX has been deeply appreciated by all of us, especially the team. The film possesses an inherent emotional resonance and strikes a chord not only with our women’s cricket team but also with athletes confronting similar challenges. It’s heartening to witness their stories of perseverance, dedication, and innate talent being acknowledged and celebrated. Our appeal is to help create awareness about disability sports & deaf cricket in India which will immensely help gain recognition from the GOI, Ministry of Youth Affairs & Sports in this category of cricket. We look forward to more support for this worthy cause of providing official recognition for this distinct cricket category.”
Sharing his reflections on the evening, Actor Abhishek Bachchan, who portrays the role of Coach Paddy in the film, expressed, “Meeting these remarkable female athletes, who, much like Anina, have triumphed over adversities to achieve the extraordinary, is an immense privilege. Their genuine appreciation and recognition for Ghoomer hold a special significance. Being a part of this event brings me immense joy. In connecting with the women cricketers of IDCA, I earnestly hope that our film, akin to their journey, serves as an inspiration for aspiring cricketers and athletes at large. My heartfelt gratitude to PVR INOX for this opportunity.”
Starting a business is one of the most financially demanding transitions a person can make. In the early months, expenses are immediate and often unpredictable, while revenue streams may take time to stabilise. For first-time entrepreneurs, securing small business loans can feel like a paradox: lenders expect a clean financial track-record before approving a loan, but the business cannot establish that track record without funding. Understanding the start-up lending environment in India and knowing the realistic funding options make this process far less daunting, allowing entrepreneurs to plan strategically.
Why Traditional Business Loans Are Harder for Start-ups
Most financial institutions require a minimum business vintage of 2 to 3 years before approving a term loan. This is because the first two years of operations carry the highest risk of failure. For start-ups less than 12 months old, traditional loan options are limited, and lenders often ask for substantial collateral to mitigate risk.
The vintage requirement is not arbitrary. Businesses that have survived their first two operating cycles demonstrate market viability, which significantly lowers the lender’s risk. Until this milestone is reached, entrepreneurs often rely on bootstrapping, personal savings, or alternative financing to build a stable business foundation. Understanding this reality helps first-time entrepreneurs set practical expectations when seeking funding.
Government-Linked Schemes for Startups
India offers several government-backed schemes to support first-time entrepreneurs. One such scheme is the Pradhan Mantri Mudra Yojana (PMMY), which provides collateral-free loans for micro and small enterprises in three categories:
● Shishu: up to Rs. 50,000
● Kishore: Rs. 50,000 to Rs. 5 lakh
● Tarun: Rs. 5 lakh to Rs. 10 lakh
These loans are available through eligible lending institutions, making them suitable for early-stage businesses. For first-time entrepreneurs, a Mudra loan not only provides initial working capital but also helps establish a credit history. Repaying a Mudra loan on time strengthens the entrepreneur’s profile and increases the chances of securing larger loans in the future.
Using Personal Loans to Fund Early-Stage Needs
When business loan eligibility is not yet established, a personal loan can serve as bridge funding. These loans are assessed on the individual’s credit profile and income rather than the business’s financial history, making them accessible to salaried individuals or those with a strong personal credit record.
Personal loans have limitations: the loan amount is capped based on personal income, and the interest rate is typically higher than secured business loans. Nevertheless, taking out a personal loan during the first 12 to 18 months can provide crucial support as the start-up builds its financial profile. It is especially useful for covering immediate expenses such as inventory, marketing, or office setup costs.
Alternative Financing Options for Startups
For start-ups that are not yet eligible for traditional business loans, other financing options are available through financial institutions. Many lenders offer startup-focused or small-business loans designed for early-stage businesses. These loans evaluate the entrepreneur’s personal credit profile, business plan, and projected revenue rather than relying solely on business vintage. Financial institutions such as Tata Capital provide these loans with minimal documentation and fast disbursal, enabling entrepreneurs to manage operational expenses, purchase equipment, or fund early growth initiatives without pledging collateral.
Some lenders also offer flexible loan amounts, quicker approvals, and streamlined processes, making them well-suited for first-time entrepreneurs. Exploring these options early allows start-ups to access working capital while gradually building a credit history that will support larger loans in the future.
Building the Right Financial Profile Before Applying
For entrepreneurs planning to apply for a business loan in 12 to 18 months, the preparation period is critical. Key steps include:
● Filing Income Tax Returns (ITRs) consistently and accurately from the first year
● Maintaining a clean current account with regular deposits and no overdraft patterns
● Keeping the promoter’s CIBIL score above 750
Lenders assess start-ups by examining these signals. Entrepreneurs who maintain financial discipline from the start will have stronger loan applications after two years. Additionally, tracking cash flow and avoiding irregular withdrawals can further enhance the business’s credibility.
Collateral-Based Options for Larger Requirements
Startups requiring larger amounts beyond government schemes can consider loans against property. These loans allow entrepreneurs to access larger amounts of funding at lower interest rates, as the property secures the lender’s risk.
This option carries significant risk: using personal or family assets as collateral can result in a loss if the business does not perform as expected. Such loans should be considered only when the business plan is validated, the entrepreneur has clear cash flow projections, and the repayment strategy is realistic. Careful assessment of risk versus reward is essential before pledging assets.
Practical Steps to Strengthen Your Loan Application
To maximise the chances of approval, entrepreneurs should:
● Maintain accurate financial statements, bank records, and GST returns.
● Avoid over-borrowing; apply for realistic amounts that match business needs.
● Keep personal and business credit profiles in good standing.
● Explore lenders that offer startup-friendly products.
● Be transparent and complete in all documentation.
Taking these steps early ensures a smoother and faster loan process when the business is ready for formal financing. A well-prepared application reduces processing delays and demonstrates professionalism to the lender.
Conclusion
First-time entrepreneurs often face a funding gap in the early stages, but it is usually smaller than it appears. Maintaining clean banking records, filing ITRs consistently, and exploring personal loans, government schemes, and alternative financing options help build a strong financial profile. Entrepreneurs who plan systematically from day one are better positioned to access formal credit sooner, giving their start-ups financial stability through small business loans.
The ideal time to start building a credit-worthy business profile is the very first month of operations, not when applying for a loan. By understanding available funding options and acting proactively, first-time entrepreneurs can confidently apply for a business loan and set their businesses on a path to long-term growth.
