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Self-employed MSME borrowers need time to stabilize from the COVID disruption. Their
lenders are mostly non-banking finance companies (NBFCs). These NBFCs have faced problems
in getting moratorium and restructuring while they were regulated by RBI to give moratorium of
more than one year to borrowers – MSMEs/Retailers. They have to deal with their borrowers
across the country. Industry bodies including Finance Industry Development Council (FIDC),
Confederation of Indian Industry (CII) and Associated Chambers of Commerce & Industry of
India (ASSOCHAM) are understood to have requested the RBI for some relief on the issue.
MSMEs are expected to play a major role and support the indigenization programme of the
Indian defence forces. Already more than 150 items have been indigenized through the MSMEs.

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