SDG 8: Decent Work and Economic Growth
SDG 9: Industry, Innovation, and Infrastructure
Institutions: Ministry of Finance; Reserve Bank of India
The handbook equips MSMEs with essential guidance to navigate formal credit access by clarifying regulatory norms, lenders’ roles, and business rights. Designed as a practical reference, it consolidates government directives, institutional guidelines, and compliance procedures - serving as a toolkit to demystify lending processes and support business growth.
By clarifying documentation standards, recourse mechanisms, and lender responsibilities, the handbook empowers entrepreneurs to engage confidently with formal financial systems. It highlights resources that can facilitate financial inclusion, improve credit absorption by the MSME sector, and bolster the effectiveness of institutional credit schemes.
The handbook aligns with broader financial policy goals: promoting credit discipline, enhancing institutional accountability, and supporting MSMEs as drivers of inclusive economic resilience.
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