The Reserve Bank of India (RBI) has asked banks to streamline flow of credit to micro and small enterprises (MSEs). This, said RBI, is for facilitating timely and adequate credit flow during their ‘life cycle’. It said that micro and small units are more prone to facing financial difficulties during their Life Cycle than large enterprises / corporates when the business conditions turn adverse. While some banks have put in place such policies for extending financial help, others are yet to put in place a similar framework.