RBI MSME Loan Guidelines 2026: ₹20 Lakh Collateral-Free Loans & Banking Terms by Ranjay Kumar
Автор: Daily Current Affairs 365
Загружено: 2026-02-17
Просмотров: 37
Описание:
Master the latest RBI Guidelines and Banking Awareness for 2026 Exams with Ranjay Kumar.
In this session, Ranjay Kumar breaks down the latest RBI directives regarding collateral-free loans for the MSME sector. We cover the new ₹20 Lakh limit effective from April 1, 2026, and the updated MSME definitions (effective April 2025). This is a must-watch for IBPS, SBI, RRB, and RBI aspirants.
Key Topics Covered:
RBI MSME Updates: New ₹20 Lakh limit (extendable to ₹25 Lakh).
MSME Definition 2025: New investment & turnover criteria.
PMEGP Scheme: Subsidy details (15% - 35%) and eligibility.
Banking Jargon Explained:
Mortgage: Immovable property; Possession with borrower.
Hypothecation: Movable assets; Under SARFAESI Act.
Pledge: Possession with lender (Gold/Shares).
Lien & Financial Guarantee: Legal claims and third-party security.
Practice MCQs: Exam-level questions to test your understanding.
Timestamps: Chapters
00:00:00 - Introduction by Ranjay Kumar
00:02:50 - RBI Guidelines for Collateral-Free Loans
00:04:38- From when will it be applicable?
00:05:53 - Definition of MSME
00:12:00 - Prime Minister’s Employment Generation Programme (PMEGP)
00:14:47 - Margin Money and LTV
00:20:39 - Secured Loans, Mortgage, Hypothecation, Pledge
00:30:38 - Financial Guarantee and Lien
00:34:35 - Practice MCQ
#RanjayKumar #BankingAwareness #RBI #MSME #IBPS2026 #SBI #PMEGP #Economics
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