Financial inclusion act as main role in helping sustainable economic development by ensuring timely and for smaller companies, the right to access economic opportunities brings lower costs. In a India, Moften find it difficult to get access to formal credit. This is primarily because of due to collateral limited credit histories and complex banking rules. NBFC can help subservice departments through give flexible loan options quick repayment plans and suggest with financial needs. There is a several government schemes that goal at strengthening the credit-scoring environment for SMEs apart from NBFCs. These include Pradhan Mantri Mudra Yojana, Stand-up India Yojana, SMECredit Guarante Account and Atmanirbhar Bharat Abhiyan. This study tells us combined role of NBFCs and these programs in enhancing the economic inclusion of small business in india. It will Study how nbfc and government schemes improve access to credit help in starting small business and support job creation. The study also explains the mian factor that increase the demands for finance the rules and regulations that create challenges problems in managing loans and the lack of financial awarness among many entrepreneurs the findings show that better coordination between NBFCs government schemes and other financial instituations is needed to improve financial inclusion and support of the groth MSME sector.
