MSMEs received 37 trillion loans during FY22, up 182% from FY20

According to CRIF High Mark, a credit bureau, loan disbursements to MSMEs topped 37.29 trillion in FY22, up 5% over FY21 and 182% over FY20.

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The average ticket size of MSME loans increased by 92% from 37.7 lakh in FY20 to 72.4 lakh in FY21-22.

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As of March 2022, the MSME sector's portfolio outstanding was $22.7 lakh crore, an increase of 36% over March 2020 and 18% over March 2021.

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There were 137.4 lakh active loans in the MSME sector as of March 2022, up 7% from March 2021 and 43% from March 2020.

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Our data examines the key credit trends emerging for MSMEs, as we celebrate MSME Day 2022, according to Navin Chandani, MD & CEO, CRIF High Mark.

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[{"selector":"#anim-3e67fe99-1c1c-445a-bb20-727db54ff95b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-59.331640283509635%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":3000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] In FY22, the small borrower segment had the biggest market share at 28.5%, followed by Mudra segment at 26.2%. According to the report, Mudra Borrower segment had the largest market share at 57.7%, followed by Micro.

[{"selector":"#anim-32430205-88a1-454a-bdc3-1dd01dbe0782 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-62.26233421507844%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":3000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] By origination value, private banks increased from 33.6% in FY20 to 69.8% in FY22. By origination volume, their share increased from 26.9% in FY20 to 33.5%. Private banks' average ticket size increased from 47.1 lakh to 150.5 lakh.

[{"selector":"#anim-352cadc8-510f-46d6-b9d2-7bedfc95147e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-61.82361290991929%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":3000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] The market share of public sector banks and NBFCs declined during this period. As of FY22, the average ticket size for public sector banks was 28.6 lakh, for NBFCs it was 32.1 lakh, for foreign banks it was 502.6 lakh, and for other lender types it was 26.1 lakh.

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