{"id":5983,"date":"2026-02-03T15:52:06","date_gmt":"2026-02-03T10:22:06","guid":{"rendered":"https:\/\/flexiloans.com\/hi\/?p=5983"},"modified":"2026-02-24T16:16:27","modified_gmt":"2026-02-24T10:46:27","slug":"retailers-ke-liye-collateral-free-msme-loan-limits","status":"publish","type":"post","link":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/","title":{"rendered":"\u0928\u090f Collateral-Free MSME Loan Limits: Retailers \u0915\u094b \u0915\u094d\u092f\u093e \u091c\u093e\u0928\u0928\u093e \u091a\u093e\u0939\u093f\u090f (Post-Budget 2026)"},"content":{"rendered":"\n<p>Budget 2026 \u0915\u0947 \u092c\u093e\u0926 collateral-free business loan \u0915\u094b \u0932\u0947\u0915\u0930 retailers \u0915\u094b \u0915\u094d\u092f\u093e \u0938\u092e\u091d\u0928\u093e \u091a\u093e\u0939\u093f\u090f<\/p>\n\n\n\n<p><strong>Authored by FlexiLoans | Date:<\/strong> 03\/02\/2026<\/p>\n\n\n<ul class=\"new-style\">\n<li>Quick Summary<\/li>\n<li class=\"first\">\u0915\u094d\u092f\u093e: Budget 2026 \u0928\u0947 credit guarantee frameworks \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 collateral-free MSME loans \u0915\u094b \u0938\u092a\u094b\u0930\u094d\u091f \u092e\u093f\u0932\u0924\u093e \u0939\u0948 \u0914\u0930 lenders \u0915\u0940 lending capacity \u0905\u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0930\u0942\u092a \u0938\u0947 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0964<\/li>\n<li class=\"second\">\u0915\u094d\u092f\u094b\u0902: Retail businesses \u0915\u094b \u0905\u0915\u094d\u0938\u0930 working capital \u0914\u0930 growth \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 assets \u0917\u093f\u0930\u0935\u0940 \u0928 \u0930\u0916\u0928\u0947 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u092e\u0947\u0902 loan \u0932\u0947\u0928\u093e \u091a\u0941\u0928\u094c\u0924\u0940\u092a\u0942\u0930\u094d\u0923 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<li class=\"third\">\u0915\u094c\u0928: Retailers, shop owners, \u091b\u094b\u091f\u0947 \u0935\u094d\u092f\u093e\u092a\u093e\u0930\u0940 \u0914\u0930 MSME entrepreneurs \u091c\u094b collateral-free business loan \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<li class=\"fourth\">\u0915\u0948\u0938\u0947: \u092c\u0947\u0939\u0924\u0930 credit guarantee coverage, specialised loan products, \u0914\u0930 digital lending platforms \u0915\u0947 \u091c\u0930\u093f\u090f collateral-free loans \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0906\u0938\u093e\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<li class=\"fifth\">Use Case: \u090f\u0915 retail store festive season \u0938\u0947 \u092a\u0939\u0932\u0947 stock \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f credit guarantee-backed collateral-free working capital loan \u0932\u0947\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 property \u092f\u093e equipment \u0915\u094b risk \u092e\u0947\u0902 \u0921\u093e\u0932\u0947 \u092c\u093f\u0928\u093e \u092b\u0902\u0921\u093f\u0902\u0917 \u092e\u093f\u0932 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n<p>Retail businesses \u0915\u093e \u092a\u0942\u0930\u093e \u0938\u0902\u091a\u093e\u0932\u0928 working capital \u092a\u0930 \u091f\u093f\u0915\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 Inventory, sales cycle, staffing, vendor payments \u0914\u0930 expansion\u2014\u0907\u0928 \u0938\u092d\u0940 \u0915\u0947 \u0932\u093f\u090f \u0932\u0917\u093e\u0924\u093e\u0930 cash flow \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u092a\u0939\u0932\u0947 \u0915\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 lenders unsecured loans \u0938\u0940\u092e\u093f\u0924 \u0930\u093e\u0936\u093f \u092e\u0947\u0902 \u0926\u0947\u0924\u0947 \u0925\u0947 \u092f\u093e interest rate \u0915\u093e\u092b\u0940 \u090a\u0902\u091a\u093e \u0939\u094b\u0924\u093e \u0925\u093e, \u0915\u094d\u092f\u094b\u0902\u0915\u093f collateral \u0928 \u0939\u094b\u0928\u0947 \u092a\u0930 risk \u091c\u094d\u092f\u093e\u0926\u093e \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0925\u093e\u0964 \u0932\u0947\u0915\u093f\u0928 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 long-term support mechanisms, \u091c\u0948\u0938\u0947 <strong>Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE),<\/strong> \u0928\u0947 \u0907\u0938 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u092c\u0926\u0932\u0928\u0947 \u092e\u0947\u0902 \u092c\u0921\u093c\u0940 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0908\u0964 \u092f\u0939 scheme banks \u0914\u0930 NBFCs \u0915\u094b collateral-free loans \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u094b\u0924\u094d\u0938\u093e\u0939\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f risk \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e guarantee \u0915\u0947 \u091c\u0930\u093f\u090f cover \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>Union Budget 2026 \u0928\u0947 \u0907\u0938\u0940 \u0926\u093f\u0936\u093e \u092e\u0947\u0902 \u0906\u0917\u0947 \u092c\u0922\u093c\u0924\u0947 \u0939\u0941\u090f credit guarantee schemes \u0915\u094b \u0914\u0930 \u092e\u091c\u092c\u0942\u0924 \u0915\u093f\u092f\u093e \u0939\u0948 \u0924\u0925\u093e \u0915\u0941\u091b \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 coverage \u092c\u0922\u093c\u093e\u0928\u0947 \u092a\u0930 \u091c\u094b\u0930 \u0926\u093f\u092f\u093e \u0939\u0948\u0964 Retailers \u0914\u0930 MSMEs \u0915\u0947 \u0932\u093f\u090f \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f collateral-free business loans \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u092a\u0939\u0932\u0947 \u0938\u0947 \u092c\u0947\u0939\u0924\u0930 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948, \u091c\u094b growth \u0914\u0930 cash-flow stability \u0915\u0947 \u0932\u093f\u090f \u092c\u0939\u0941\u0924 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0906\u0907\u090f \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f Budget 2026 \u0915\u0947 \u092c\u093e\u0926 collateral-free MSME loans \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0938\u093e\u092e\u093e\u0928\u094d\u092f loan limits \u0915\u094d\u092f\u093e \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, eligibility \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 documentation \u092e\u0947\u0902 \u0915\u094d\u092f\u093e-\u0915\u094d\u092f\u093e \u0932\u0917\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/flexiloans.com\/hi\/collateral-free-business-loan\/\">\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 (Collateral-Free Business Loan)<\/a> \u0910\u0938\u093e \u090b\u0923 \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u092e\u0947\u0902 \u090b\u0923 \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u094b \u092d\u0942\u092e\u093f, \u092e\u0915\u093e\u0928, \u092e\u0936\u0940\u0928\u0930\u0940 \u092f\u093e \u0905\u0928\u094d\u092f \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/p>\n\n\n\n<p>\u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u090b\u0923 \u092e\u0947\u0902 \u090b\u0923 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0907\u0928 \u092c\u093e\u0924\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u093e \u091f\u0930\u094d\u0928\u0913\u0935\u0930 (Turnover)<br><\/li>\n\n\n\n<li>\u0928\u0915\u0926\u0940 \u092a\u094d\u0930\u0935\u093e\u0939 (Cash Flow)<br><\/li>\n\n\n\n<li>\u090b\u0923 \u0907\u0924\u093f\u0939\u093e\u0938 \u0914\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 (Repayment History)<br><\/li>\n\n\n\n<li>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0914\u0930 <a href=\"https:\/\/flexiloans.com\/hi\/types-of-credit-score\/\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930<\/a> (Credit Score)<br><\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u0915\u0947 \u0932\u0947\u0928-\u0926\u0947\u0928 (Bank Statement)<\/li>\n<\/ul>\n\n\n\n<p>\u0910\u0938\u0947 \u090b\u0923\u094b\u0902 \u0915\u094b \u0905\u0915\u094d\u0938\u0930 \u0938\u0930\u0915\u093e\u0930\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0917\u093e\u0930\u0902\u091f\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915 \u0914\u0930 NBFCs \u0915\u094b \u092c\u093f\u0928\u093e \u091c\u092e\u093e\u0928\u0924 \u090b\u0923 \u0926\u0947\u0928\u0947 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u092d\u0930\u094b\u0938\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Budget 2026 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 MSME \u090b\u0923 \u0915\u094b \u0915\u0948\u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948?<\/strong><\/h2>\n\n\n\n<p>Budget 2026 \u0928\u0947 \u0938\u092d\u0940 MSMEs \u0915\u0947 \u0932\u093f\u090f \u0915\u094b\u0908 \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0905\u0927\u093f\u0915\u0924\u092e \u090b\u0923 \u0938\u0940\u092e\u093e (Maximum Loan Limit) \u0918\u094b\u0937\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0940 \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0917\u093e\u0930\u0902\u091f\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0914\u0930 \u0935\u093f\u0938\u094d\u0924\u093e\u0930\u093f\u0924 \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Budget 2026 \u0915\u0947 \u092c\u093e\u0926 \u092a\u094d\u0930\u092e\u0941\u0916 \u092c\u0926\u0932\u093e\u0935:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CGTMSE \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0935\u0930\u0947\u091c \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930<\/strong>, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0915 \u090b\u0923 \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<br><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/flexiloans.com\/hi\/working-capital-loan\/\">\u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940 \u090b\u0923<\/a> (Working Capital Loan) \u0914\u0930 \u0905\u0935\u0927\u093f \u090b\u0923 (Term Loan) \u0926\u094b\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0917\u093e\u0930\u0902\u091f\u0940 \u0938\u092e\u0930\u094d\u0925\u0928 \u092e\u091c\u092c\u0942\u0924<\/strong>, \u0914\u0930 \u0915\u0941\u091b \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0936\u0941\u0932\u094d\u0915 \u0915\u094b rationalise \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<br><\/li>\n\n\n\n<li>\u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0909\u0926\u094d\u092f\u092e\u094b\u0902 (Micro Enterprises) \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0936\u0947\u0937 \u0909\u0924\u094d\u092a\u093e\u0926 \u091c\u0948\u0938\u0947 <strong>\u092e\u093e\u0907\u0915\u094d\u0930\u094b-\u0909\u0926\u094d\u092f\u092e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 (Micro-Enterprise Credit Cards)<\/strong> \u0915\u094b \u0906\u0917\u0947 \u092d\u0940 \u0938\u092e\u0930\u094d\u0925\u0928\u0964<\/li>\n<\/ul>\n\n\n\n<p>\u0907\u0928 \u0938\u092d\u0940 \u092c\u0926\u0932\u093e\u0935\u094b\u0902 \u0915\u093e \u0915\u0941\u0932 \u092a\u094d\u0930\u092d\u093e\u0935 \u092f\u0939 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0915\u0940 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e \u0914\u0930 \u0938\u0940\u092e\u093e \u092a\u0939\u0932\u0947 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u092c\u0947\u0939\u0924\u0930 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/flexiloans.com\/hi\/wp-content\/uploads\/2026\/02\/11.png\" alt=\"\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0917\u093e\u0930\u0902\u091f\u0940 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0915\u094b \u0915\u0948\u0938\u0947 \u0938\u0902\u092d\u0935 \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\" class=\"wp-image-5986\" loading=\"lazy\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0938\u0940\u092e\u093e<\/strong><\/h2>\n\n\n\n<p>Budget 2026 \u092e\u0947\u0902 \u0915\u094b\u0908 statutory cap \u0924\u092f \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092e\u094c\u091c\u0942\u0926\u093e \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0914\u0930 \u092c\u093e\u091c\u093e\u0930 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u0941\u091b \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0938\u0902\u0915\u0947\u0924 (Indicative Limits) \u0938\u092e\u091d\u0947 \u091c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. CGTMSE \u0906\u0927\u093e\u0930\u093f\u0924 \u090b\u0923 (CGTMSE-Backed Loans)<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.cgtmse.in\/\" rel=\"nofollow\">CGTMSE <\/a>\u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0914\u0930 \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e\u094b\u0902 (Micro and Small Enterprises) \u0915\u094b \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0932\u0917\u092d\u0917 <strong>\u20b95 \u0915\u0930\u094b\u0921\u093c \u0924\u0915<\/strong> \u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u0930 (Credit Exposure) cover \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 \u0917\u093e\u0930\u0902\u091f\u0940 \u090b\u0923\u0926\u093e\u0924\u093e \u0915\u0947 \u091c\u094b\u0916\u093f\u092e \u0915\u093e \u092c\u0921\u093c\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0915\u0935\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>Budget 2026 \u0915\u0947 \u092c\u093e\u0926 \u0917\u093e\u0930\u0902\u091f\u0940 \u0938\u0902\u0930\u091a\u0928\u093e \u0915\u0947 \u092e\u091c\u092c\u0942\u0924 \u0939\u094b\u0928\u0947 \u0938\u0947 \u0915\u0941\u091b \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u090b\u0923 \u0930\u093e\u0936\u093f \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0939\u094b\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u092c\u0922\u093c \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u092e\u093e\u0907\u0915\u094d\u0930\u094b-\u0909\u0926\u094d\u092f\u092e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 (Micro-Enterprise Credit Cards)<\/strong><\/h3>\n\n\n\n<p>\u092f\u0947 \u0909\u0924\u094d\u092a\u093e\u0926 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 <strong>\u20b95 \u0932\u093e\u0916 \u0938\u0947 \u20b910 \u0932\u093e\u0916<\/strong> \u0924\u0915 \u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093e\u0907\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0930\u094b\u091c\u092e\u0930\u094d\u0930\u093e \u0915\u0940 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u094b\u0917\u0940 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u0928\u093f\u0930\u094d\u092f\u093e\u0924 \u0906\u0927\u093e\u0930\u093f\u0924 \u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940 \u0938\u0939\u093e\u092f\u0924\u093e (Export-Linked Working Capital Support)<\/strong><\/h3>\n\n\n\n<p>\u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u0917\u093e\u0930\u0902\u091f\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0928\u093f\u0930\u094d\u092f\u093e\u0924\u0915 (Exporters) \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u094b \u0932\u0917\u092d\u0917 <strong>\u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915<\/strong> \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940 \u090b\u0923 (Collateral-Free Working Capital) \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948, \u0915\u0941\u091b \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u0921\u093f\u091c\u093f\u091f\u0932 \u090b\u0923\u0926\u093e\u0924\u093e (Digital Lenders) \u0926\u094d\u0935\u093e\u0930\u093e \u090b\u0923 \u0938\u0940\u092e\u093e<\/strong><\/h3>\n\n\n\n<p>\u092f\u0926\u093f \u0915\u093f\u0938\u0940 \u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u093e \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928 \u092e\u091c\u092c\u0942\u0924 \u0939\u094b, \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093f\u0924 \u0939\u094b\u0902 \u0914\u0930 \u0928\u0915\u0926\u0940 \u092a\u094d\u0930\u0935\u093e\u0939 \u0938\u094d\u0925\u093f\u0930 \u0939\u094b, \u0924\u094b \u0921\u093f\u091c\u093f\u091f\u0932 \u090b\u0923\u0926\u093e\u0924\u093e (Digital Lenders) \u092c\u0947\u0939\u0924\u0930 \u0938\u0940\u092e\u093e \u0915\u0947 \u0938\u093e\u0925 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0938\u0940\u092e\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0940 \u091c\u094b\u0916\u093f\u092e \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 (Risk Profile) \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 (Credit Assessment) \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 MSME \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930\u0924\u093e<\/strong><\/h2>\n\n\n\n<p>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u090b\u0923\u0926\u093e\u0924\u093e \u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0938\u0947 \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u0903 \u092f\u0947 \u0936\u0930\u094d\u0924\u0947\u0902 \u092a\u0942\u0930\u0940 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u092a\u0947\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0940 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0905\u0935\u0927\u093f (Business Vintage) \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 1\u20132 \u0935\u0930\u094d\u0937 \u092f\u093e \u0905\u0927\u093f\u0915<br><\/li>\n\n\n\n<li>\u0938\u094d\u0925\u093f\u0930 \u092e\u093e\u0938\u093f\u0915\/\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u091f\u0930\u094d\u0928\u0913\u0935\u0930 (Turnover)<br><\/li>\n\n\n\n<li>\u0905\u091a\u094d\u091b\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 (Credit Score) \u0914\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0907\u0924\u093f\u0939\u093e\u0938<br><\/li>\n\n\n\n<li>\u0935\u0948\u0927 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092a\u0902\u091c\u0940\u0915\u0930\u0923 (Business Registration)<br><\/li>\n\n\n\n<li>GST \u0905\u0928\u0941\u092a\u093e\u0932\u0928 (GST Compliance)<br><\/li>\n\n\n\n<li>\u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 (Udyam Registration) \u0939\u094b\u0928\u0947 \u092a\u0930 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0914\u0930 \u092e\u091c\u092c\u0942\u0924 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<p>\u0921\u093f\u091c\u093f\u091f\u0932 \u090b\u0923\u0926\u093e\u0924\u093e \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0906\u0928\u0947 \u0935\u093e\u0932\u0940 \u0930\u093e\u0936\u093f (Bank Inflows) \u0914\u0930 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0915\u094b \u092d\u0940 \u092a\u094d\u0930\u092e\u0941\u0916\u0924\u093e \u0938\u0947 \u0926\u0947\u0916\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u0915\u0947 \u0932\u093f\u090f \u091c\u0930\u0942\u0930\u0940 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c<\/strong><\/h2>\n\n\n\n<p>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915 \u0914\u0930 NBFCs \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092f\u0947 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u092e\u093e\u0902\u0917\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092e\u093e\u0932\u093f\u0915\/\u0938\u093e\u091d\u0947\u0926\u093e\u0930 \u0915\u093e PAN \u0914\u0930 Aadhaar<br><\/li>\n\n\n\n<li><a href=\"https:\/\/flexiloans.com\/hi\/gst-kya-hota-he\/\">GST <\/a>\u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0914\u0930\/\u092f\u093e \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 (Udyam Registration)<br><\/li>\n\n\n\n<li>\u092a\u093f\u091b\u0932\u0947 6\u201312 \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u093e \u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f (Bank Statement)<br><\/li>\n\n\n\n<li>\u0932\u093e\u092d-\u0939\u093e\u0928\u093f \u0935\u093f\u0935\u0930\u0923 (Profit and Loss Statement) \u092f\u093e basic financial summary<br><\/li>\n\n\n\n<li>\u090b\u0923 \u0930\u093e\u0936\u093f \u0914\u0930 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0905\u0928\u094d\u092f \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c<\/li>\n<\/ul>\n\n\n\n<p>\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u0938\u0939\u0940 \u0914\u0930 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093f\u0924 \u0939\u094b\u0928\u0947 \u0938\u0947 processing \u0924\u0947\u091c \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 approval \u0915\u0947 chances \u092c\u0922\u093c\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u092c\u0928\u093e\u092e \u091c\u092e\u093e\u0928\u0924 \u0906\u0927\u093e\u0930\u093f\u0924 \u090b\u0923: \u0924\u0941\u0932\u0928\u093e<\/strong><\/h2>\n\n\n<div class=\"fw-table\">\n<table>\n<tbody>\n<tr class=\"default-row\">\n<td class=\"desc-col\"><strong>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/strong><\/td>\n<td class=\"desc-col\"><strong>\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 (Collateral-Free Loan)<\/strong><\/td>\n<td class=\"desc-col\"><strong>\u091c\u092e\u093e\u0928\u0924 \u0906\u0927\u093e\u0930\u093f\u0924 \u090b\u0923 (Secured Loan)<\/strong><\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940<\/td>\n<td class=\"default-col\">\u0906\u0935\u0936\u094d\u092f\u0915 \u0928\u0939\u0940\u0902<\/td>\n<td class=\"default-col\">\u0906\u0935\u0936\u094d\u092f\u0915<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0940 \u0917\u0924\u093f<\/td>\n<td class=\"default-col\">\u0905\u0915\u094d\u0938\u0930 \u0924\u0947\u091c (\u0916\u093e\u0938\u0915\u0930 digital lenders \u092e\u0947\u0902)<\/td>\n<td class=\"default-col\">valuation \u0915\u0947 \u0915\u093e\u0930\u0923 \u0927\u0940\u092e\u0940<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u090b\u0923\u0926\u093e\u0924\u093e \u0915\u093e \u091c\u094b\u0916\u093f\u092e<\/td>\n<td class=\"default-col\">credit guarantee \u0938\u0947 \u0915\u092e<\/td>\n<td class=\"default-col\">asset pledge \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0909\u092a\u092f\u094b\u0917<\/td>\n<td class=\"default-col\">\u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940, \u0938\u094d\u091f\u0949\u0915 \u0916\u0930\u0940\u0926<\/td>\n<td class=\"default-col\">\u092c\u0921\u093c\u093e capex, long-term assets<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u092c\u094d\u092f\u093e\u091c \u0926\u0930<\/td>\n<td class=\"default-col\">\u0925\u094b\u0921\u093c\u093e \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948<\/td>\n<td class=\"default-col\">\u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0915\u092e<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n<p>\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u092e\u0941\u0916\u094d\u092f\u0924\u0903 \u0909\u0928 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0939\u0924\u0930 \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u091c\u0932\u094d\u0926\u0940 liquidity \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u091c\u094b \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u091c\u094b\u0916\u093f\u092e \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u0921\u093e\u0932\u0928\u093e \u091a\u093e\u0939\u0924\u0947\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u094b \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0915\u092c \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u093f\u090f?<\/strong><\/h2>\n\n\n\n<p>\u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0924\u092c consider \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u091c\u092c:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>inventory \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0924\u0941\u0930\u0902\u0924 \u092b\u0902\u0921 \u091a\u093e\u0939\u093f\u090f<br><\/li>\n\n\n\n<li>seasonal demand \u0915\u0947 \u0932\u093f\u090f stock \u092c\u0922\u093c\u093e\u0928\u093e \u0939\u094b<br><\/li>\n\n\n\n<li>\u0938\u0902\u092a\u0924\u094d\u0924\u093f pledge \u0915\u0930\u0928\u0947 \u0915\u093e \u091c\u094b\u0916\u093f\u092e \u0928\u0939\u0940\u0902 \u0932\u0947\u0928\u093e \u0939\u094b<br><\/li>\n\n\n\n<li>\u0930\u094b\u091c\u092e\u0930\u094d\u0930\u093e \u0915\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f flexible funding \u091a\u093e\u0939\u093f\u090f<br><\/li>\n\n\n\n<li>\u0928\u0915\u0926\u0940 \u092a\u094d\u0930\u0935\u093e\u0939 (Cash Flow) \u0938\u094d\u0925\u093f\u0930 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u0939\u094b<\/li>\n<\/ul>\n\n\n\n<p>\u092f\u0939 \u090b\u0923 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u094b \u092c\u093f\u0928\u093e \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0947 liquidity \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n<div class=\"quotes\">\n<p>\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 (Collateral-Free Business Loans), \u0916\u093e\u0938\u0915\u0930 enhanced credit guarantee coverage \u0915\u0947 \u0938\u093e\u0925, \u0930\u093f\u091f\u0947\u0932 \u0915\u093e\u0930\u094b\u092c\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0928\u0915\u0926\u0940 \u092a\u094d\u0930\u0935\u093e\u0939 \u0914\u0930 operational \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u094b \u0938\u0902\u092d\u093e\u0932\u0928\u0947 \u0915\u093e practical \u0938\u092e\u093e\u0927\u093e\u0928 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 Budget 2026 \u0915\u0947 \u092c\u093e\u0926 reforms \u0928\u0947 \u0907\u0938 ecosystem \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 lenders unsecured credit \u0915\u094b \u0914\u0930 \u091c\u094d\u092f\u093e\u0926\u093e confidently extend \u0915\u0930 \u092a\u093e \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/p>\n<div>&#8211; SME Lending Specialist, FlexiLoans<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0905\u0902\u0924\u093f\u092e \u0935\u093f\u091a\u093e\u0930 (Final Thoughts)<\/strong><\/h2>\n\n\n\n<p>Budget 2026 \u0928\u0947 MSMEs \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0939\u0941\u0902\u091a (Credit Access) \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0926\u093f\u0936\u093e \u092e\u0947\u0902 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e \u0915\u094b \u0906\u0917\u0947 \u092c\u0922\u093c\u093e\u092f\u093e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 MSME \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0915\u094b\u0908 \u0928\u0908 fixed \u201cloan limit\u201d \u0918\u094b\u0937\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0940 \u0917\u0908 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 credit guarantee schemes \u0915\u0947 \u092e\u091c\u092c\u0942\u0924 \u0939\u094b\u0928\u0947 \u0914\u0930 supportive frameworks \u0915\u0947 \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u092b\u0902\u0921\u093f\u0902\u0917 \u0915\u0940 \u092a\u0939\u0941\u0902\u091a \u092a\u0939\u0932\u0947 \u0938\u0947 \u092c\u0947\u0939\u0924\u0930 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940 (Working Capital), \u0938\u094d\u091f\u0949\u0915 \u0916\u0930\u0940\u0926 \u092f\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0915\u0947 \u0932\u093f\u090f \u092b\u0902\u0921 \u091a\u093e\u0939\u093f\u090f, \u0909\u0928\u094d\u0939\u0947\u0902 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0938\u093e\u0925 \u0939\u0940, compliance \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0930\u0916\u0928\u093e approval \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<div class=\"CTA-patch\">\n<div>\n\u0915\u094d\u092f\u093e \u0906\u092a Budget 2026 \u0915\u0947 \u092c\u093e\u0926 stock, payroll \u092f\u093e expansion \u0915\u0947 \u0932\u093f\u090f \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 \u0922\u0942\u0902\u0922 \u0930\u0939\u0947 \u0939\u0948\u0902?\n<span>FlexiLoans eligible \u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u094b digital \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u091c\u0930\u093f\u090f \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940 \u092b\u093e\u0907\u0928\u0947\u0902\u0938\u093f\u0902\u0917 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span>\n<a href=\"https:\/\/loans.flexiloans.com\/?utm_source=Website&#038;utm_medium=Web&#038;utm_campaign=organic&#038;utm_term=organic&#038;utm_content=organic&#038;nlp=1\">\u0905\u092d\u0940 \u0911\u0928\u0932\u093e\u0907\u0928 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0947\u0902<\/a>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0905\u0915\u094d\u0938\u0930 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928 (FAQs)<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1771411750446\"><strong class=\"schema-faq-question\"><strong>Q1. \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ans: \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 (Collateral-Free Business Loan) \u0910\u0938\u093e \u090b\u0923 \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771411924710\"><strong class=\"schema-faq-question\"><strong>Q2. \u0915\u094d\u092f\u093e Budget 2026 \u0915\u0947 \u092c\u093e\u0926 collateral-free loans \u0915\u0940 \u0915\u094b\u0908 fixed limit \u0939\u0948?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ans: \u0928\u0939\u0940\u0902\u0964 Budget 2026 \u0928\u0947 \u0915\u094b\u0908 fixed numeric limit \u0924\u092f \u0928\u0939\u0940\u0902 \u0915\u0940\u0964 \u0932\u0947\u0915\u093f\u0928 CGTMSE \u091c\u0948\u0938\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902 expanded guarantee coverage \u0938\u0947 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 lending capacity \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771411947557\"><strong class=\"schema-faq-question\"><strong>Q3. \u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f unsecured loan eligibility \u0915\u0948\u0938\u0947 \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ans: \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 (Udyam Registration), \u0928\u093f\u092f\u092e\u093f\u0924 GST filing, consistent turnover \u0914\u0930 clean bank statement eligibility \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u092c\u0928\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771411960306\"><strong class=\"schema-faq-question\"><strong>Q4. \u0915\u094d\u092f\u093e \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 secured loan \u0938\u0947 \u092e\u0939\u0902\u0917\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ans: \u0915\u0908 \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0925\u094b\u0921\u093c\u0940 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f collateral \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f credit guarantee schemes lender risk \u0915\u092e \u0915\u0930\u0915\u0947 cost \u0915\u094b manageable \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0902\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771411987521\"><strong class=\"schema-faq-question\"><strong>Q5. \u0915\u094d\u092f\u093e digital lenders \u0905\u0927\u093f\u0915 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0930\u093e\u0936\u093f \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ans: \u0939\u093e\u0901\u0964 strong financials \u0914\u0930 positive credit assessment \u0939\u094b\u0928\u0947 \u092a\u0930 digital lenders higher collateral-free loan amounts offer \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0936\u092c\u094d\u0926\u093e\u0935\u0932\u0940 (Glossary: Key Terms Explained)<\/strong><\/h2>\n\n\n<div class=\"fw-table\">\n<table>\n<tbody>\n<tr class=\"default-row\">\n<td class=\"desc-col\"><strong>\u0936\u092c\u094d\u0926<\/strong><\/td>\n<td class=\"desc-col\"><strong>\u0905\u0930\u094d\u0925<\/strong><\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 (Collateral-Free Loan)<\/td>\n<td class=\"default-col\">\u0910\u0938\u093e \u090b\u0923 \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">MSME<\/td>\n<td class=\"default-col\">\u0938\u0942\u0915\u094d\u0937\u094d\u092e, \u0932\u0918\u0941 \u0914\u0930 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u092e<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">CGTMSE<\/td>\n<td class=\"default-col\">\u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u0902\u0938\u094d\u0925\u093e \u091c\u094b MSMEs \u0915\u0947 collateral-free loans \u092a\u0930 guarantee cover \u0926\u0947\u0924\u0940 \u0939<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940 (Working Capital)<\/td>\n<td class=\"default-col\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0947 \u0926\u0948\u0928\u093f\u0915 \u0938\u0902\u091a\u093e\u0932\u0928 \u0915\u0947 \u0932\u093f\u090f \u091c\u0930\u0942\u0930\u0940 \u0927\u0928<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0921\u093f\u091c\u093f\u091f\u0932 \u090b\u0923\u0926\u093e\u0924\u093e (Digital Lender)<\/td>\n<td class=\"default-col\">\u0910\u0938\u093e \u090b\u0923\u0926\u093e\u0924\u093e \u091c\u094b online \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0938\u0947 \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 (Udyam Registration)<\/td>\n<td class=\"default-col\">MSME \u0915\u093e \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u092a\u0902\u091c\u0940\u0915\u0930\u0923<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f (Bank Statement)<\/td>\n<td class=\"default-col\">\u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u0915\u0947 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u093e \u0930\u093f\u0915\u0949\u0930\u094d\u0921<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 (Credit Score)<\/td>\n<td class=\"default-col\">\u090b\u0923 \u0932\u0947\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0926\u0930\u094d\u0936\u093e\u0928\u0947 \u0935\u093e\u0932\u093e \u0938\u094d\u0915\u094b\u0930<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u091c\u092e\u093e\u0928\u0924 \u0906\u0927\u093e\u0930\u093f\u0924 \u090b\u0923 (Secured Loan)<\/td>\n<td class=\"default-col\">\u0910\u0938\u093e \u090b\u0923 \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u092c\u094d\u092f\u093e\u091c \u0926\u0930 (Interest Rate)<\/td>\n<td class=\"default-col\">\u090b\u0923 \u092a\u0930 \u0932\u0917\u093e\u092f\u093e \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u093e \u092c\u094d\u092f\u093e\u091c<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0932\u093e\u092d-\u0939\u093e\u0928\u093f \u0935\u093f\u0935\u0930\u0923 (Profit and Loss Statement)<\/td>\n<td class=\"default-col\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0940 \u0906\u092f \u0914\u0930 \u0916\u0930\u094d\u091a \u0915\u093e \u0935\u093f\u0935\u0930\u0923<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0924\u0930\u0932\u0924\u093e (Liquidity)<\/td>\n<td class=\"default-col\">\u0924\u0924\u094d\u0915\u093e\u0932 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u0916\u0930\u094d\u091a (Operational Expenses)<\/td>\n<td class=\"default-col\">\u0915\u093f\u0930\u093e\u092f\u093e, \u0935\u0947\u0924\u0928, \u092c\u093f\u091c\u0932\u0940 \u091c\u0948\u0938\u0947 \u0928\u093f\u092f\u092e\u093f\u0924 \u0916\u0930\u094d\u091a<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u090b\u0923 \u0935\u093f\u0924\u0930\u0923 (Loan Disbursal)<\/td>\n<td class=\"default-col\">\u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u090b\u0923 \u0930\u093e\u0936\u093f \u0915\u093e \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930<\/td>\n<\/tr>\n<tr class=\"default-row\">\n<td class=\"desc-col\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 (Credit Assessment)<\/td>\n<td class=\"default-col\">borrower \u0915\u0940 financial \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Budget 2026 \u0915\u0947 \u092c\u093e\u0926 collateral-free business loan \u0915\u094b \u0932\u0947\u0915\u0930 retailers \u0915\u094b \u0915\u094d\u092f\u093e \u0938\u092e\u091d\u0928\u093e \u091a\u093e\u0939\u093f\u090f Authored by FlexiLoans | Date: 03\/02\/2026 Quick Summary \u0915\u094d\u092f\u093e: Budget 2026 \u0928\u0947 credit guarantee frameworks \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 collateral-free MSME loans \u0915\u094b \u0938\u092a\u094b\u0930\u094d\u091f \u092e\u093f\u0932\u0924\u093e \u0939\u0948 \u0914\u0930 lenders \u0915\u0940 lending capacity \u0905\u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0930\u0942\u092a \u0938\u0947 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0964 \u0915\u094d\u092f\u094b\u0902: Retail businesses \u0915\u094b &hellip; <\/p>\n","protected":false},"author":5,"featured_media":5985,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"class_list":["post-5983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-msme-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retailers ke liye New Collateral-Free MSME Loan Limits (Post-Budget 2026) | FlexiLoans<\/title>\n<meta name=\"description\" content=\"Budget 2026 ke baad retailers ke liye collateral-free MSME loans kaise kaam karte hain? 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Jaanein effective loan limits, eligibility, required documents aur funding 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\u092e\u0947\u0902 \u090f\u0915 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u092a\u094d\u0930\u094b\u092b\u0947\u0936\u0928\u0932 \u0914\u0930 \u0915\u0902\u091f\u0947\u0928\u094d\u091f \u0938\u094d\u091f\u094d\u0930\u0948\u091f\u0947\u091c\u093f\u0938\u094d\u091f \u0939\u0948\u0902\u0964 \u092f\u0939 \u090f\u092e\u090f\u0938\u090f\u092e\u0908, \u092c\u093f\u091c\u093c\u0928\u0947\u0938 \u0914\u0930 \u091f\u0930\u094d\u092e \u0932\u094b\u0928 \u0938\u0949\u0932\u094d\u092f\u0942\u0936\u0928 \u092a\u0930 \u092b\u094b\u0915\u0938 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0921\u093f\u091c\u093f\u091f\u0932 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u090f\u0915\u094d\u0938\u0947\u0938 \u092e\u0947\u0902 5 \u0938\u093e\u0932 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0905\u0928\u0941\u092d\u0935 \u0915\u0947 \u0938\u093e\u0925, \u0907\u0928\u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0932\u093f\u0916\u093e \u0917\u092f\u093e \u0915\u0902\u091f\u0947\u0928\u094d\u091f \u0909\u0926\u094d\u092f\u092e\u093f\u092f\u094b\u0902 \u0915\u094b \u0938\u094b\u091a-\u0938\u092e\u091d\u0915\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u092b\u0948\u0938\u0932\u0947 \u0932\u0947\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0907\u0928\u0915\u093e \u0915\u093e\u092e \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0915\u0949\u0928\u094d\u0938\u0947\u092a\u094d\u091f\u094d\u0938 \u0915\u094b \u0906\u0938\u093e\u0928 \u092c\u0928\u093e\u0928\u0947 \u0914\u0930 \u091b\u094b\u091f\u0947 \u092c\u093f\u091c\u093c\u0928\u0947\u0938 \u0915\u094b \u092d\u0930\u094b\u0938\u0947 \u0915\u0947 \u0938\u093e\u0925 \u0906\u0917\u0947 \u092c\u0922\u093c\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0947\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u091c\u0941\u0928\u0942\u0928 \u0938\u0947 \u092a\u094d\u0930\u0947\u0930\u093f\u0924 \u0939\u0948\u0964 \u0928\u093f\u0936\u093f\u0924 \u0928\u0947 \u090f\u0928\u090f\u092e\u0906\u0908\u090f\u092e\u090f\u0938, \u092e\u0941\u0902\u092c\u0908 \u0938\u0947 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u092e\u0947\u0902 \u090f\u092e\u092c\u0940\u090f \u0915\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 \u0935\u0939 \u0906\u0908\u0906\u0908\u092c\u0940\u090f\u092b \u0938\u0947 \u0938\u0930\u094d\u091f\u093f\u092b\u093e\u0907\u0921 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092a\u094d\u0930\u094b\u092b\u0947\u0936\u0928\u0932 \u0939\u0948\u0902\u0964","url":"https:\/\/flexiloans.com\/hi\/author\/nishit\/"},{"@type":"Question","@id":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411750446","position":1,"url":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411750446","name":"Q1. \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 (Collateral-Free Business Loan) \u0910\u0938\u093e \u090b\u0923 \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411924710","position":2,"url":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411924710","name":"Q2. \u0915\u094d\u092f\u093e Budget 2026 \u0915\u0947 \u092c\u093e\u0926 collateral-free loans \u0915\u0940 \u0915\u094b\u0908 fixed limit \u0939\u0948?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: \u0928\u0939\u0940\u0902\u0964 Budget 2026 \u0928\u0947 \u0915\u094b\u0908 fixed numeric limit \u0924\u092f \u0928\u0939\u0940\u0902 \u0915\u0940\u0964 \u0932\u0947\u0915\u093f\u0928 CGTMSE \u091c\u0948\u0938\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902 expanded guarantee coverage \u0938\u0947 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 lending capacity \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411947557","position":3,"url":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411947557","name":"Q3. \u0930\u093f\u091f\u0947\u0932 \u0935\u094d\u092f\u0935\u0938\u093e\u092f unsecured loan eligibility \u0915\u0948\u0938\u0947 \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 (Udyam Registration), \u0928\u093f\u092f\u092e\u093f\u0924 GST filing, consistent turnover \u0914\u0930 clean bank statement eligibility \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u092c\u0928\u093e\u0924\u0947 \u0939\u0948\u0902\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411960306","position":4,"url":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411960306","name":"Q4. \u0915\u094d\u092f\u093e \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 secured loan \u0938\u0947 \u092e\u0939\u0902\u0917\u093e \u0939\u094b\u0924\u093e \u0939\u0948?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: \u0915\u0908 \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0925\u094b\u0921\u093c\u0940 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f collateral \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f credit guarantee schemes lender risk \u0915\u092e \u0915\u0930\u0915\u0947 cost \u0915\u094b manageable \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0902\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411987521","position":5,"url":"https:\/\/flexiloans.com\/hi\/retailers-ke-liye-collateral-free-msme-loan-limits\/#faq-question-1771411987521","name":"Q5. \u0915\u094d\u092f\u093e digital lenders \u0905\u0927\u093f\u0915 \u091c\u092e\u093e\u0928\u0924-\u092e\u0941\u0915\u094d\u0924 \u090b\u0923 \u0930\u093e\u0936\u093f \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: \u0939\u093e\u0901\u0964 strong financials \u0914\u0930 positive credit assessment \u0939\u094b\u0928\u0947 \u092a\u0930 digital lenders higher collateral-free loan amounts offer \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/posts\/5983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/comments?post=5983"}],"version-history":[{"count":1,"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/posts\/5983\/revisions"}],"predecessor-version":[{"id":5987,"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/posts\/5983\/revisions\/5987"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/media\/5985"}],"wp:attachment":[{"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/media?parent=5983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/categories?post=5983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/flexiloans.com\/hi\/wp-json\/wp\/v2\/tags?post=5983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}