在印度节日高峰期到来之前，数字微型、小型和中型企业贷款机构NeoGrowth发布的一份报告显示，80%的微型、小型和中型企业（MSMEs）预计其业务表现将超过去年，近五分之二的企业预计收入增长将超过50%。
Ahead of India's peak festival period, 80% of micro, small, and medium enterprises (MSMEs) expect business performance to outpace last year, with nearly two in five anticipating revenue growth exceeding 50%, according to a report released by digital MSME lender NeoGrowth.
该调查名为《节日展望2026》，是NeoGrowth NeoInsights系列的第11版，覆盖了来自75个以上行业和40个以上城市的7000多名MSME所有者和消费者。调查结果描绘了节日经济情绪的双轨增长：消费者支出意愿强劲，小型企业运营规模显著扩张。
The survey—titled 'Festive Outlook 2026' and published as the 11th edition of the lender’s NeoInsights series—gauged responses from over 7,000 MSME owners and consumer shoppers across more than 75 industries and 40 cities. The findings outline a dual-track surge in festive economic sentiment, characterised by robust consumer spending intent and significant operational scaling among small enterprises.
在消费者方面，77%的受访购物者表示，他们计划在今年的节日期间比去年花费更多。时尚和珠宝成为消费支出的首要选择，占比48%，紧随其后的是消费耐用品和家居装饰，占比46%，旅游和酒店业则占24%。尽管支出预算增加，但价格敏感度仍然突出：45%的受访者自称为价格比较者，他们在购买前会主动评估折扣。
On the consumer side, 77% of shoppers surveyed indicated they intend to spend more this festive season compared to last year. Fashion and jewellery led consumer spending priorities at 48%, closely followed by consumer durables and home décor at 46%, and travel and hospitality at 24%. Despite higher spending budgets, value-consciousness remains prominent: 45% of respondents classified themselves as price comparers who actively evaluate discounts before purchasing.
49%的购物者表示，折扣和促销活动是影响他们购买决策的关键因素，而38%的购物者则优先考虑便利性和无缝的零售体验。
Discounts and promotional offers were cited as key buying influences by 49% of shoppers, while 38% prioritised convenience and seamless retail experiences.
为了应对预期的需求增长，小型企业正在加大库存和运营能力的投入。超过一半的受访MSMEs（55%）表示正在囤积库存，31%正在推出新产品线，25%正在积极扩大实体或运营规模。按行业划分，消费耐用品、电子、时尚和快速消费品（FMCG）企业正专注于产品目录和库存扩张；而服务和基础设施企业则优先考虑能力建设和服务提升。
To meet anticipated demand, small businesses are ramping up inventory and operational capacity. More than half of surveyed MSMEs (55%) reported stocking up on inventory, 31% are rolling out new product lines, and 25% are actively expanding physical or operational setups. By sector, consumer durables, electronics, fashion, and FMCG players are concentrating on catalogue and inventory expansion, whereas services and infrastructure businesses are prioritising capacity building and service enhancements.
此次季节性扩张刺激了对流动资金的需求增加。三分之二的中小微企业（66%）表示需要额外信贷以资助节日运营，海得拉巴（71%）和德里（68%）的企业记录了全国最高的流动资金需求。
This seasonal expansion has spurred heightened demand for working capital. Two out of three MSMEs (66%) reported requiring additional credit to fund festive operations, with businesses in Hyderabad (71%) and Delhi (68%) recording the country's highest working-capital requirements.
零售购物习惯继续呈现全渠道平衡。四分之三的购物者（75%）在购物过程中融入线下接触点——其中46%主要依赖实体店，29%采用混合全渠道路径，25%主要在线上购物。
Retail purchasing habits continue to reflect an omnichannel balance. Three out of four shoppers (75%) incorporate an offline touchpoint in their purchase journey—with 46% leaning predominantly on physical stores, 29% adopting a blended omnichannel path, and 25% shopping primarily online.
数字支付在小型商业格局中也进一步巩固了其作用，82%的节日购物者预计将使用数字支付，74%的中小微企业已部署数字支付基础设施以管理日常运营和销售。此外，小企业的技术采用正在加速：16%的中小微企业报告称已将人工智能工具融入其工作流程——主要用于营销和客户获取——另有35%计划在近期采用人工智能解决方案。
Digital payments have also consolidated their role across small-format commerce, with 82% of festive shoppers expecting to pay digitally and 74% of MSMEs deploying digital payment infrastructure to manage daily operations and sales. In addition, technology adoption among small businesses is accelerating: 16% of MSMEs reported integrating artificial intelligence tools into their workflows—primarily for marketing and customer acquisition—while an additional 35% plan to adopt AI solutions in the near term.
在评论调查结果时，NeoGrowth公司董事总经理兼首席执行官Arun Nayyar在新闻稿中表示，节日期间仍是中小企业实现增长的关键窗口。Nayyar观察到，企业正在采用多种准备模式——从库存积累到结构性扩张——同时应对一个消费群体，该群体在更强的消费意愿与价格敏感性之间取得平衡，并在相互连接的线下和线上零售渠道中追求便利。
Commenting on the survey findings, Arun Nayyar, Managing Director and Chief Executive Officer of NeoGrowth, stated in the press release that the festive period remains a pivotal growth window for small enterprises. Nayyar observed that businesses are adopting varied preparation models—ranging from inventory buildup to structural expansion—while navigating a consumer base that balances stronger spending intent with price sensitivity and convenience across interconnected physical and digital retail channels.