SIDBI-CRIF Small Business Spotlight: Credit at ₹15.3 Lakh Crore
Why in the news
SIDBI with CRIF High Mark published a report on small business lending, borrower groups and geography.
Key facts
- Credit outstanding: ₹15.3 lakh crore, up 19.3% YoY.
- Active loans: 6.9 crore, up 8.7%.
- Definition: aggregate exposure of ₹5 crore or less.
- Enterprises: fastest portfolio growth, 24.7%.
- Sole proprietors: over 75% of credit, over 85% of loans.
- Private banks hold 34.4%; NBFCs give 42.4% of sole proprietor credit; PSBs focus on loans under ₹10 lakh.
- Loans under ₹10 lakh are 72.5% of active loans but 17.8% of portfolio.
Top states
| State | ₹ thousand crore | Share |
|---|---|---|
| Maharashtra | 606.2 | 13.4% |
| Tamil Nadu | 421.9 | 9.3% |
| Gujarat | 369.2 | 8.2% |
| Uttar Pradesh | 361.7 | 8.0% |
| Karnataka | 318.6 | 7.0% |
Exam angle
- Uttar Pradesh grew fastest among top five (20.7%).
- Fastest districts: Jaipur 19.1%, Ahmedabad 19.0%.
- Urban share 51.9%, rural 29.0%.