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A suburban perspective on MSME loans in India: bridging the gap in lending with private sector banks

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dc.contributor.author Tiwary, Daitri
dc.date.accessioned 2025-09-24T10:24:30Z
dc.date.available 2025-09-24T10:24:30Z
dc.date.issued 2024-09
dc.identifier.uri http://dspace.bits-pilani.ac.in:8080/jspui/handle/123456789/19545
dc.description.abstract Despite plethora of schemes and policies adopted by various financial institutions, banks and non-banking financial institutions are unable to penetrate suburban cities of India optimally (RBI, 2008; Demirgüç-Kunt, 2018; Kamath, 2007; Bhandari and Tripathi, 2015). In rural areas or semi-urban areas, there is a propensity to rely on public sector banks for individual as well as micro, small and medium enterprises (MSME) banking services. Private sector banks are not able to tap this market which is plagued by unorganized lenders (Sharma, 2011; RBI, 2008; NABARD, 2021). Through a pilot study, we explore the landscape of MSME loans through the lens of borrowers, weighing the offerings of private sector banks as the lenders. We explain the landscape of business loans for small and young enterprises, highlighting its growth potential in tier-II and tier-III cities of India. en_US
dc.language.iso en en_US
dc.publisher The Financial Research and Trading Laboratory (FRTL), IIM Calcutta en_US
dc.subject Management en_US
dc.subject Financial inclusion en_US
dc.subject MSME loans en_US
dc.subject Private sector banks en_US
dc.subject Rural and semi-urban banking en_US
dc.subject Tier-II and Tier-III cities en_US
dc.title A suburban perspective on MSME loans in India: bridging the gap in lending with private sector banks en_US
dc.type Article en_US


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