Home » UPSC Combined Section Officer » Micro credit in India comes under which one of the following activitie

Micro credit in India comes under which one of the following activitie

June 1, 2025 by rawan239

Micro credit in India comes under which one of the following activities ?

Commercial Banking

Cooperative Banking

Private Banking

Non-Banking Finance

This question was previously asked in

UPSC Combined Section Officer – 2024

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The correct answer is Non-Banking Finance (D).

Micro credit in India is significantly provided by Microfinance Institutions (MFIs), many of which are registered as Non-Banking Financial Companies (NBFCs). While commercial and cooperative banks also offer microcredit, the non-banking finance sector, particularly dedicated MFIs, plays a crucial role in extending financial services to the unbanked or underbanked population, which is the primary target of microcredit.

NBFC-MFIs are a specific category of NBFCs regulated by the Reserve Bank of India (RBI) that primarily lend to low-income groups. They are distinct from traditional commercial, cooperative, or private banks, although these banking types can also offer microfinance products. The question asks what activity microcredit *comes under*, and given the prevalence of MFIs as NBFCs and the specialized nature of microfinance often operating outside traditional banking structures for wider reach, Non-Banking Finance is the most appropriate overarching category among the options provided that encompasses a large part of microcredit activity.

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