An evaluation of how banks help small and medium-sized businesses in Assam

An evaluation of how banks help small and medium-sized businesses in Assam

C. Miya

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Editorial:
C.Miya
Año de edición:
2023
ISBN:
9781805255871

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Commercial banks in Assam have a higher number of branch network, but private bankshave surpassed public sector banks and Regional Rural Banks (RRBs) by a huge marginin financing MSMEs. Average per branch achievement in disbursing credit to MSME is₹252 lakhs for public sector banks, ₹1,254 lakh for private sector banks and ₹161 lakhsfor RRBs for the year 2017-18. Public sector, private sector and RRBs have mostlyfailed in achieving the target of 7.5% of ANBC towards micro enterprises, but thecontribution of private sector banks is comparatively higher. Constraints experienced byMSMEs in acquiring finance from banks include inadequate collateral securityrequirements, insufficient promotional drives, negative overall attitude towards MSMEs,and unreasonably high time gap between submission and sanction.

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