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Updated - February 06, 2026 at 06:58 PM.

The move aims to improve access to formal credit, support entrepreneurship, and strengthen last-mile credit delivery for businesses with limited collateral

MIn a big boost to Micro and Small Enterprises (MSEs), the RBI has doubled the limit of collateral-free loans from ₹10 lakh to ₹20 lakh.

The central bank said the enhanced limits will apply to all loans to MSE borrowers sanctioned or renewed on or after April 1. The RBI noted that doubling the collateral-free loan limit is intended to facilitate improved access to formal credit, support entrepreneurial activity, and strengthen last-mile credit delivery for MSEs with limited collateral.

According to the latest RBI data, the industry segment, comprising MSEs, medium enterprises and large enterprises) saw a year-on-year (y-o-y) growth of 13.3 per cent as on December 31, 2025, against 7.5 per cent as on December 27, 2024.

Within the industry segment, MSEs saw the highest yoy growth of 31 per cent, followed by medium enterprises (20.4 per cent) and large enterprises (7.5 per cent).

Published on February 6, 2026

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