印度将从2026年4月1日开始为小企业提供高达20万卢比的无担保贷款. India to mandate collateral-free loans up to ₹20 lakh for small businesses starting April 1, 2026.

印度储备银行将要求各银行从2026年4月1日起向微型和小型企业,包括PMEGP单位,提供不超过20万卢比的无担保贷款。 The Reserve Bank of India will require banks to offer collateral-free loans up to Rs 20 lakh to micro and small enterprises, including PMEGP units, starting April 1, 2026. 根据内部政策,对金融记录良好的企业而言,银行可以无担保地扩展至最高25万卢比。 Banks may extend up to Rs 25 lakh without collateral for businesses with strong financial records, based on internal policies. 允许自愿的黄金或银质保证,并鼓励信贷担保计划。 Voluntary gold or silver pledges are permitted, and credit guarantee schemes are encouraged. 这项举措旨在改善小企业获得信贷的机会,并支持创业,尽管实施方面的挑战和延误仍然令人关切。 The move aims to improve credit access for small businesses and support entrepreneurship, though implementation challenges and delays remain concerns.