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    <title>Government includes Retail and Wholesale Trade as MSMES</title>
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    <description>Inclusion of Retail and Wholesale Trade as MSMEs brings those businesses within the MSME classification and entitlement framework under the composite criteria based on investment and turnover, implemented via cost free self declaratory Udyam Registration (replacing Udyog Aadhaar). Registration is required to access Ministry of MSME schemes and programmes. Complementary support measures include a Credit Guarantee Scheme for eligible loans and Aatma Nirbhar Bharat initiatives such as subordinate debt, collateral free automatic business loans, equity infusion, procurement preferences, an online Champions portal, and Reserve Bank measures to alleviate financial stress.</description>
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