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Reserve Bank of India
भारतीय रिजव बैंक
Date: Jul 01, 2011
Master Circular - Lending to Micro, Small & Medium Enterprises (MSME) Sector
RPCD.SME & NFS. BC. No. 09/06.02.31/2011-12
July 1, 2011
The Chairman/Managing Director/
Chief Executive Officer
All Scheduled Commercial Banks
(excluding Regional Rural Banks)
Dear Sir
As you are aware, the Reserve Bank of India has, from time to time, issued a number of guidelines/instructions/directives to banks in the matters relating to lending to Micro, Small & Medium Enterprises Sector. To enable the banks to have current instructions at one place, a Master Circular incorporating the existing guidelines/instructions/directives on the subject has been prepared and is appended. This Master Circular consolidates the instructions issued by the RBI up to June 30, 2011, which are listed in the Appendix, to theextentthey deal with the MSME sector lending by commercial banks.
2. Please acknowledge receipt.
Yours faithfully
Chief General Manager


SECTION - I : Micro, Small & Medium Enterprises Development (MSMED) Act, 2006


SECTION - IV : Common Guidelines / Instructions for Lending to MSME Sector



Annex III :List of MSME Clusters in India (identified by UNIDO)

Appendix : List of Circulars consolidated by the Master Circular

Note : To obtain an aligned printout please download the (441 kb) version to your machine and then use respective software to print the story.




Infrastructure & Industrial Development Department

Government of Uttar Pradesh,

First & Second Floor Block C,

Lok Bhawan,

Sarojini Naidu Marg,

Lucknow- 226 001. (U.P.)

Phone No:- 91-522-2226126/2238283/2239530

Fax No:- 91-522-2238255

Email :- iidcup.84@gmail.com

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