This scheme is only benefits for those who are doing or available in businesses or someone who are seriously suffering from COVID-19 situation.

• The MSME borrowers on March 1, 2020 – who are aggregate exposure to lending institution collectively with the amount of 25 Cr or less.
• Loans which are given to those connected with State/Central governments, local government bodies, farmer’s service societies (FSS) or Primary Agricultural Credit Societies (PACS).
• Lenders who have granted the loans to their own personal borrowers.

For more details

1. https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=50176
2. https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11580&Mode=0
3. https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=50176