The Central Bank of Russia published an update on a new entitlement for entrepreneurs to obtain loan repayment holidays from 1 October 2025, allowing enterprises to be granted a payment deferral even if their revenues have not fallen. Eligibility depends on the size of the borrower and the loan or microloan amount: up to RUB 10 million for self-employed individuals, up to RUB 60 million for micro businesses, up to RUB 400 million for small enterprises, and up to RUB 1 billion for medium-sized ones. Repayment holidays may be granted once every five years for six months for each loan, including where a borrower has several loans. The law applies to loans and microloans issued from 1 March 2024; during the grace period, principal repayments are suspended while interest accrues at the contractual rate and may be compounded monthly.
Central Bank of Russia 2025-10-01
Central Bank of Russia announces entrepreneurs can take six-month loan repayment holidays from 1 October 2025
The Central Bank of Russia announced a new entitlement for entrepreneurs to obtain loan repayment holidays starting 1 October 2025, applicable even without a revenue decline. Eligibility varies by borrower size and loan amount, with repayment holidays available once every five years for six months per loan. The law covers loans issued from 1 March 2024, suspending principal repayments while interest accrues at the contractual rate.