India ka small business credit portfolio June 2026 tak **14.9%** badhkar **₹50.9 lakh crore** pahunch gaya hai. Sole proprietors ki demand high hai, par badhta risk aur RBI ke naye rules par nazar rakhna zaroori hai.
Sole Proprietors ka dum dikh raha hai
Small business lending scene mein zabardast action hai. Sole proprietors ab is market ke asli driver ban gaye hain. Inka credit portfolio pichle saal ke muqable 19.3% badha hai, aur active loans ka volume 27.4% upar gaya hai. Manufacturing sector isme sabse bada player hai, jo total portfolio ka 41.92% sambhale hue hai.
Risk badh raha hai, warning sign samjho
Headline numbers acche lag rahe hain, lekin andar ki kahani thodi alag hai. Assets ki quality (PAR ratio) 1.5% se ghatkar 1.2% ho gayi hai, jo achi baat hai. Lekin, sole proprietors ka 'very high-risk' exposure 17.4% se badhkar 20% par chala gaya hai. Fintech lenders ab apne standards tight kar rahe hain taaki bad debts se bacha ja sake.
RBI aur Economic Headwinds
Ab sabki nazar RBI ke draft NBFCs credit rules par hai. Agar ye naye rules implement hote hain, toh shadow banks ke liye revolving credit products offer karna mushkil ho sakta hai, jo liquidity ko hit kar sakta hai.
Saath hi, West Asia mein badhte tension aur economic pressures ke chalte manufacturing units par pressure aa sakta hai. Rajasthan jaisa state ₹3.4 lakh crore ke portfolio ke saath resilient dikh raha hai, par global trade conditions ka asar poore MSME sector par padega. Investors ko ab loan growth aur credit risk ke beech balance par nazar rakhni hogi.