group identities like caste, religion and language. Therefore, for improving SME credit delivery the banks need to be guided …Millions of Indian SMEs who depend for their growth on banks – the only source of credit at normal market price – are … perennially remaining outside the ambit of any bank finance. The literature has long identified relationship lending (RL) as a …

there. Some of the major problems they faced are- collateral requirements, terms and conditions of bank loan, business … characteristics and some other institution-specific problems to get access to bank finance. The findings of the study can aid the …