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Business • Jun 21, 2026

India Has 7.86 Crore Small Businesses. Only 20% Can Get a Bank Loan — Here's Why That's About to Change

India's small business sector, comprising approximately 7.86 crore enterprises, faces significant challenges in securing bank loans, with only 20% able to obtain funding. Factors such as lack of collateral and complex application processes hinder access, although recent government initiatives and fintech innovations are improving the financial landscape.

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