While speaking at the CEO Forum of the Federation of Telangana Chambers of Commerce and Industry, Swaminathan J, deputy governor at the RBI said “MSMEs should strive for greater credit discipline, which starts with careful selection of the appropriate credit product suited to their requirements and cash flows. MSMEs should familiarise themselves with different credit products such as term loans, working capital loans, overdrafts, and invoice discounting to match them with their borrowing needs.