The Ministry of Finance (MoF) on December 02, 2025, issued the notification regarding the Credit Assessment Model to digitally strengthen credit assessment for MSMEs.
The following has been stated namely: -
• The Government has introduced the Credit Assessment Model (CAM) for MSMEs, which uses digitally verifiable data to automate credit evaluation and determine loan limits for both new and existing MSME borrowers.
• Digital payments are being strongly promoted through initiatives by the Government, RBI, and NPCI, such as the Payments Infrastructure Development Fund (PIDF) and incentives for RuPay Debit Card and low-value BHIM-UPI (P2M) transactions.
• The PM-SVANidhi scheme has been extended to March 31, 2030, with enhanced loan amounts of ₹15,000, ₹25,000, and ₹50,000, along with added features like a UPI-linked RuPay credit card (₹30,000 limit) and cashback incentives for digital transactions.
[Notification No. 2197834]
