The government has proposed increasing the collateral-free MSME loan limit to ₹20 lakh. The move is aimed at expanding credit access and strengthening liquidity support for small businesses. This step could significantly boost grassroots entrepreneurship and economic activity.
Highlights
- Proposal to double collateral-free MSME loan limit to ₹20 lakh, boosting small business credit access.
- Banks are now permitted to lend to REITs (Real Estate Investment Trusts) under new prudential norms.
- RBI has allowed banks to finance up to 75% of M&A deal value, effective next financial year.
- Retail loans grew 18% in Q3, reaching ₹162 lakh crore, with home loans rising 10.5%, showing strong borrowing demand.
- Reserve Bank of India has kept the repo rate unchanged at 5.25%, maintaining stability after earlier rate cuts.
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