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Abstract
Ease of getting credit is an essential element ensuring adequate availability of finance for the smooth functioning of business activity. The study undertaken aims to find solution to the research question of whether there is ease of getting credit in India. The study aims to analyse the effectiveness of collateral and bankruptcy law in facilitating lending and also to evaluate the strength of a reliable credit reporting system in facilitating lending. The study concludes that the collateral and bankruptcy law in India is effective in facilitating secured credit lending and the existing credit reporting system in India is strong enough to facilitate lending. The two findings converge to the conclusion that there is ease of getting credit in India. The study suggests for the implementation of a fully functioning credit registry and for the inclusion of alternative sources of data availability that can further improve the state of ease of getting credit in India and also improve performance in Ease of doing business ranking.