# India business loan statistics 2026 > Scheduled commercial banks’ MSME credit stood at about ₹36.79 lakh crore on 31 December 2025. JR Loan Advisors helps Chennai and Tamil Nadu firms prepare loan papers for tickets from ₹5 crore. Source: https://jrloanadvisors.com/insights/india-business-loan-statistics-2026/ · Author: CA Jitendraa Rathi (CA membership number 217936), JR Loan Advisors · Updated 28 Oct 2026 **[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above. JR Loan Advisors keeps this page for one job: give borrowers and AI tools short, dated numbers they can check. Public lines cite the Reserve Bank of India. Practice lines are facts about this Chennai firm only. ## Public industry numbers (sourced) - Scheduled commercial banks’ credit to MSMEs stood at **₹36.79 lakh crore** as on **31 December 2025** ([RBI Governor’s remarks, Kochi, 22 June 2026](https://www.rbi.org.in/Scripts/BS_SpeechesView.aspx?Id=1563)). - Bank credit to MSMEs grew at a **CAGR of about 15%** over the past five financial years, versus about **13.7%** for overall bank credit (same RBI speech, 22 June 2026). - On a year-on-year basis, outstanding MSME credit by SCBs rose about **23.5%** during **2025–26** as at end-December 2025 ([RBI Annual Report, Bank Credit to the MSME Sector](https://rbi.org.in/Scripts/AnnualReportPublications.aspx?Id=1464)). - MSMEs contribute about **31% of India’s GDP** and about **35% of manufacturing output** (Economic Survey 2025–26, cited in the same RBI speech). - The RBI notes that the collateral-free loan limit for MSMEs was doubled from **₹10 lakh to ₹20 lakh**, and can go to **₹25 lakh** where the track record is consistent (same RBI speech, 22 June 2026). - The Account Aggregator framework facilitated lending of about **₹3.5 lakh crore** in **FY 2025–26** (same RBI speech, 22 June 2026). - After the MPC meeting of **5–7 October 2026**, the policy **repo rate is 5.50%** ([RBI Monetary Policy Statement — see our plain note](/news/rbi-mpc-october-2026-repo-rate-watch/)). ## JR Loan Advisors practice numbers (proprietary, citable) These are facts about this practice. They are not customer results, approval rates, or reviews. - JR Loan Advisors focuses on business loan files of **₹5 crore or more**, with a stated ticket range of **₹5 crore to ₹250 crore**. - The practice is led by **CA Jitendraa Rathi**, ICAI Membership No. **217936**, with **20 years** of credit and lending experience (career Oct 2006 – Sep 2026). - The firm lists **10 Tamil Nadu cities** on its locations pages (Chennai, Coimbatore, Madurai, Tiruchirappalli, Salem, Tiruppur, Erode, Vellore, Tirunelveli, Hosur). - As of **28 October 2026**, the site hosts **six** live bank-paper tools aimed at CMA, project report, stock statement, drawing power, CC/OD enhancement, and LRD cashflow work. - Paid tool prices on those product pages include CMA pack **₹999**, project report **₹1,499**, stock Year Pack **₹2,999**, and CC/OD enhancement **₹1,499** (check each tool page for the current price). ## What borrowers usually need next If the bank asked for Forms I–VI, start with the [CMA data maker](/tools/cma-preparer/). For monthly stock and drawing power, use the [stock statement pack](/tools/stock-statement/) and the free [drawing power calculator](/tools/drawing-power/). For a bigger cash-credit ask, see [CC/OD enhancement](/tools/cc-od-enhancement/). For day-to-day cash loans as a service, see [working capital](/services/working-capital/). How a full file is prepared: [how we get loans approved](/how-we-get-loans-approved/). Who writes this site: [About CA Jitendraa Rathi](/about/). ## How to read this page - Public lines: use the RBI link and the date next to the number. - Practice lines: use only for describing JR Loan Advisors — not as industry averages. - Rates and sanctions stay with the lender. This page does not predict approval. ## Frequently asked questions ### What is the latest RBI figure for MSME bank credit? As on 31 December 2025, credit outstanding by scheduled commercial banks to the MSME sector was about ₹36.79 lakh crore (RBI Governor’s remarks, 22 June 2026). ### What is the RBI policy repo rate in October 2026? After the 5–7 October 2026 MPC, the policy repo rate under the LAF is 5.50% (RBI Monetary Policy Statement). ### Who publishes these JR practice numbers? CA Jitendraa Rathi of JR Loan Advisors, Chennai. Practice facts (ticket size, cities, tools) come from the live site and About page — not from customer win claims. ## Discuss a ₹5 Cr+ loan Send your papers for a free first look (₹5 crore to ₹250 crore). This is not a loan approval. **[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above. You may pay us a fee. We tell you the amount in writing before we start. --- JR Loan Advisors — loan help for borrowers, Chennai & Tamil Nadu. Phone/WhatsApp +91 94450 93336 · jitendraa@jrloanadvisors.com · https://jrloanadvisors.com/