The ICICI Bank MSME Programme

The ICICI Bank, in India, has positioned itself to partner with MSMEs and provide non-traditional financial services that enable them to access finance on terms more suited to their special circumstances. The bank’s approach counts on relationship managers, market segmentation, site visits, and credit scorecards based on particular industries to determine MSME creditworthiness. With this approach, the bank has built its client base up to almost 1 million MSMEs. While this has dramatically increased the business’s MSME loan portfolio and its revenues, the accompanying challenge is that since MSMEs borrow less money, a much higher number of loans need to be issued to make this strategy profitable.


The Climate and Development Knowledge Network (CDKN) (2015). Increasing MSME Access to Climate Finance.