• MEENA
• RITU LOCHAB

The study aims to collect the opinions of the MSMEs owners or managers towards the banking facilities which are being provided by the commercial banks to the MSMEs. The area of the study was Haryana State, and the method of data collection of primary data through survey approach. The sample size of the study was 282 MSMEs, out of that 9 Medium scale industries, 102 small scale industries and 171 micro or cottage industries were taken. Researcher has used the one-way Anova to test the difference in the satisfaction level of MSMEs towards the financing facilities of the commercial banks. Conclusively, it can be said that the majority of the problems of MSMEs are due to lack of finance, and study showed that the MSMEs are not perceiving the financing facilities of the banks very effective it shows that the nationalized banks are not contributing significantly to the growth of the MSMEs.

Commercial banks, Haryana State, Economic growth, MSMEs, Cottage Industries, Financing facilities, Nationalized Banks.

"MSMEs AND THE COMMERCIAL BANKS: A CASE STUDY OF MSMEs OF HARYANA STATE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 4, page no.320-336, April-2019, Available :http://www.jetir.org/papers/JETIR1904Q54.pdf

"MSMEs AND THE COMMERCIAL BANKS: A CASE STUDY OF MSMEs OF HARYANA STATE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 4, page no. pp320-336, April-2019, Available at : http://www.jetir.org/papers/JETIR1904Q54.pdf