Reserve Bank of India (RBI) doubles collateral-free loan limit for micro and small enterprises to ₹20 lakh

Exam-focused facts from the 7 February 2026 current affairs briefing.

Key facts

Reserve Bank of India (RBI) raised the collateral-free loan ceiling for micro and small enterprises from ₹10 lakh to ₹20 lakh.
The earlier ₹10 lakh limit had remained unchanged since 2010.
The revised limit applies to all loans sanctioned or renewed on or after 01 April 2026.
Governor Sanjay Malhotra stated the revision indexes the limit for inflation.