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Operational Challenges and Solutions
Up to what amount does CGTMSE provide collateral-free credit cover for MSMEs?
CGTMSE provides credit cover up to Rs.10 crore. Additionally, RBI mandates collateral-free loans up to Rs.20 lakh.
What percentage of MSMEs cite skilled-labour shortage as a material operational risk according to an NSDC survey?
Around 60% of MSMEs cite skilled-labour shortage as a material operational risk.
What is the PSB Loans in 59 Minutes portal used for?
It is used to address long loan processing times by enabling MSMEs with thin credit files to obtain faster loan approvals using cash-flow-based lending.
What is the formal credit gap estimated for the MSME sector according to policy think-tank assessments?
The formal credit gap for MSMEs is estimated at upwards of ₹20–25 lakh crore.
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