Aug 2026· International Journal of Creative and Open Research in Engineering and Management· 0 citations
Abstract
Small and Medium Enterprises (SMEs) contribute significantly to
employment, entrepreneurship, innovation, industrial output, and regional
development in Telangana. However, inadequate access to timely and
affordable credit continues to restrict their growth and competitiveness.
This study examines the major challenges faced by SMEs in obtaining
credit in Telangana State, including collateral requirements,
documentation, loan processing delays, high interest rates, and financial
awareness. It also evaluates the role of banks, awareness of government
credit schemes, and possible solutions for improving institutional finance.
Primary data were collected from 100 SME respondents and analysed using
percentage analysis. Findings indicate that collateral is the challenge.
Keywords: SMEs, Institutional Credit, Collateral, Financial Inclusion,
Telangana
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