Floating charge is a master solution for most of the finance related problems a company may have, by providing freedom of use of charged property in the normal course of business. Adoption of globalisation in India has made business for Micro, Small and Medium Enterprises (MSMEs) difficult, as creditors don’t want to invest in these lower-credit-value enterprises, by creating floating charge. This has demanded a reconsideration of laws regulating such charges, keeping in mind the huge contribution of MSMEs in Indian Economy.
Abhijeet Kumar, Crystallisation of a Floating Charge in India: the Scope and Need of Law Reform,  I.C.C.L.R. (9), 318-323, International Company and Commercial Law Review, Sweet & Maxwell.