Sharing his perspective about future prospects of small and medium-sized businesses (SMBs), ASSOCHAM president, Vineet Agarwal opined that while organised and large businesses have shown a smart recovery in the midst of COVID-19, the bounce-back among MSMEs has not been commensurate. Agarwal said, 'With more and more people learning to manage their affairs safely, recovery would go deep down the value chain'. He also said that while sectors like transportation, hospitality etc. will see recovery in 2021, MSMEs would need continued hand-holding by banks, their large customers including PSUs, and forbearance by regulators to smoothen the creases.