MAM
Selfie With Bajrangi’s success continues as creators Cosmos-Maya focus on the L&M Strategy
MUMBAI: Bajrangi, the contemporary, child version of the Indian God Hanuman has penetrated households like no other. Latest BARC data indicates that Cosmos-Maya’s one of a kind buddy comedy ‘Selfie With Bajrangi’, which airs daily on Disney’s Hungama TV is a hit with children and parents alike. The show ranks #1 among all the shows in Kids Category (Local + International, Animation + Live Action) basis Average Impressions (Week 16, 2018 to Week 23, 2019).
After two successful runs on Disney’s Hungama TV in Summer and Diwali last year, the recently launched third run, comprising brand new episodes of the second season of the show, has also garnered high ratings. Disney is excited with the consistent numbers and kids may have a chance to get more of their favourite buddy Bajrangi. Cosmos-Maya is planning 10 TV Films and a theatrical film on the IP.
Bajrangi’s admiration can be attributed to the fact that it has the ability to speak to viewers in the universal language of relatability. The secret sauce is familiarity with novelty. It is set on a quintessential Indian family who all viewers can relate with. The protagonist Ankush's life changes when he meets Bajrangi, the nine-year-old child version of the Indian God, who no one but he can see. The show is modeled on kids’ day to day lives and beautifully encapsulates the nuances of Indian culture in an entertaining format. Bajrangi does not just help his buddy Ankush with his day to day problems, he helps comfort the millions of kids who watch the show. The show has become an everyday affair for families and Ankush and Bajrangi have become household names.
Jubilant on the development, Anish Mehta, CEO Cosmos-Maya said, “Selfie With Bajrangi has just exploded. Programming of the show was just as important as the creative aspect and I’ll take this opportunity to thank team Disney.”
Dheeraj Berry, SVP, Development & Current Projects, and creator of Selfie With Bajrangi added, “With Selfie With Bajrangi, we ticked all the boxes pertaining to Indian entertainment. There is the beloved Hanuman, there is a quintessential Indian family, there are mild antagonists. Basically, it is a very feel good show that the entire family can enjoy. Thank you to Disney for helping us build this brand with their innovative programming strategies.”
Selfie With Bajrangi is another Cosmos-Maya IP after Motu Patlu to stay on top of the ratings chart for such a long period. The show’s success over the last year has helped it cross the critical juncture of being just a fad and Cosmos-Maya foresees L&M potential given its consistent success.
CEO Anish Mehta further added, “We are now our own competitors. Selfie With Bajrangi is everything Motu Patlu is not. L&M is the next logical step with this proven and consistent success. Motu Patlu’s foray into consumer products began two years after its launch. Selfie With Bajrangi has taken lesser time in establishing itself as a highly relatable brand.”
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.
