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Bank lending to small borrowers slows down
Financial Express Lucknow
|December 31, 2025
BANK LENDING TO joint liability groups (JLGs) contracted sharply in 2024-25, with disbursements declining 58%, highlighting the stress faced by the microfinance sector over the past year, according to the Trend and Progress report released by the Reserve Bank of India (RBI).
JLGs, which are informal credit groups catering to small borrowers, were among the worst hit as lenders turned cautious amid funding constraints and tighter underwriting norms.
A combination of rising credit risk, regulatory tightening and weaker repayment capacity among micro and small enterprises has been behind banks' lending to small borrowers slowing down.
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