<h1>Credit facilitation for MSMEs expands: banks must boost lending and waive collateral for small enterprise loans.</h1> Banks and financial intermediaries must expand credit to MSMEs through growth targets and allocation priorities favouring micro-enterprise accounts, establish specialised MSME branches and adopt enterprise-cluster measures, link micro credit goals to adjusted net bank credit, exempt small loans from collateral requirements up to the prescribed threshold, and simplify working-capital calculation to a minimum percentage of projected turnover; SIDBI's Udyamimitra portal provides an online loan origination and handholding platform integrating multiple lenders and fintechs to improve accessibility.