MSME delinquencies fall to 5-year low of 1.8%: Cibil-Sidbi report

Overall balance-level delinquencies in the micro, small, and medium enterprises (MSME) segment fell 35 basis points year-on-year (Y-o-Y) to a five-year low of 1.79 per cent as of March 2025, even as the commercial credit portfolio grew 13 per cent Y-o-Y to ₹35.2 trillion during the period, according to TransUnion CIBIL and Sidbi’s MSME Pulse Report.    Balance-level delinquencies are measured as 90 to 720 days past due and classified as sub-standard. 

   “This improvement has been driven by the borrower segment with ₹50 lakh to ₹50 crore exposure, while the segment with less than ₹50 lakh exposure segment witnessed a slight deterioration in March 2025 compared