New Delhi, Dec 26 || Aggregate small‑business credit exposure in India reached Rs 46 lakh crore, up 16.2 per cent year‑on‑year, a report said on Friday.
The report from CRIF High Mark and SIDBI said that active loan accounts grew 11.8 per cent to 7.3 crore, supported by policy measures and government credit schemes for micro, small and medium enterprises.
Among businesses with credit exposure up to Rs 5 crore, the report found that formalisation was advancing with 23.3 per cent of borrowers new to credit and 12 per cent new to enterprise borrowing as of September 2025.
The report showed a resilient and steadily strengthening small business credit environment. Credit portfolios continue to expand and formalisation is progressing gradually, with more lenders participating actively, while asset quality remains healthy.
Sole proprietors continued to dominate the system, accounting for around 80 per cent of credit and nearly 90 per cent of borrowers. The fastest growing segment--sole proprietors posted the fastest growth at 20 per cent, driven largely by loans against property.