RBI raises Collateral-Free MSME Loan limit to ₹20 lakh February 6, 2026 3:07 Pm The Reserve Bank of India (RBI) has announced a major relief for micro, small and medium enterprises (MSMEs) by increasing the limit for collateral-free loans. This move is aimed at making it easier for small businesses to get bank loans without pledging assets. The decision is expected to improve access to credit and support the growth of millions of small enterprises across the country. Easier Loans for Small Businesses For many MSMEs, arranging collateral has always been a major challenge while applying for bank loans. By raising the limit for loans that do not require collateral, the RBI is reducing this long-standing barrier.

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