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    <title>CREDIT ACCESS AND FINANCE FOR MSMEs</title>
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    <description>A suite of Government measures expands MSME credit access through a Credit Guarantee Scheme that enables collateral free lending with significant guarantee coverage to Member Lending Institutions; targeted credit linked subsidy and concessional interest programmes support micro enterprises and artisans; tiered micro loan categories broaden retail outreach; a dedicated scheme promotes inclusive bank lending to disadvantaged borrowers; and authorized digital TReDS platforms facilitate receivables discounting and factoring to diversify financing channels.</description>
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