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 …

reinforce the findings of other studies that utilization of formal sources like banks is significantly small compared with …