law: The Micro, Small and Medium Enterprises Development Act, 2006 
  10. Credit
  
  facilities.-
  The policies and
  
  practices in respect of credit to the micro, small and medium enterprises shall
  
  be progressive and such as may be specified in the guidelines or instructions
  
  issued by the Reserve Bank, from time to time, to ensure timely and smooth flow
  
  of credit to such enterprises, minimise the incidence of sickness among and
  
  enhance the competitiveness of such enterprises.