perennially remaining outside the ambit of any bank finance. The literature has long identified relationship lending (RL) as a … group identities like caste, religion and language. Therefore, for improving SME credit delivery the banks need to be guided … our capital-starved SME sector, which is also our biggest employer …

disaggregated analysis suggests that these results differ across key characteristics such as SME ownership and gender and caste. In …

productivity. The analysis reveals that the link between productivity and bank credit growth is weaker for firms with significant …

findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and … findings are relevant to bank managers, investors and bank regulators, in formulating effective credit policies and investment …