In India, Small and Medium-Sized Firms Make Up Almost 8 of Country Gdp, 45 of Production and 40 of Exports. After Agriculture In India, They Have the Largest Share of Employment. India’S Socioeconomic Framework Is Based on the Small and Medium Market. Although the Small and Medium-Sized Business Sector Has Been Growing Faster Than the Industrial Sector In General, It Faces Several Constraints That Impede Growth. Several Studies from the Conceptualization of Bank Credit to Small and Medium-Sized Enterprises Have Been Analyzed and Propose Different Actions to Improve Credit Flow to the Vibrant Sector of Indian Economy. the Ifc and the Indian Government Have Assessed the Sme Financial Deficit In India. Inr 20.9 Trillion’S Financial Divide Was Split into Inr 19 Trillion Debt and Inr 19 Trillion Equity Divide. the Statistics Collected During the Quatrième Census of the Smes Showed That Institutional Financing Was Found at Only 5.18 of the Units (Both Recorded and Non-Registered) and Non-Institutional Financing at 2.05. This Sector Is Strongly Excluded from Formal Institutional Outlets, Including Commercial Banks, Financially. Small and Medium-Sized Enterprises Are Experiencing Problems In Accessing Funds Under the Financial Gap Concept. the Question of the Lack of Adequate and Timely Credit For Smes Therefore Needs to Be Examined. any Study on This Question on One Side, Whether from the Point of View of Smes or from the Point of View of Commercial Banking, Would Not Be Complete. I ...