This chapter examines access to credit among urban self-employed households in India, most of whom rely on self-employment due to limited formal sector job opportunities and the structural challenges existing in the economy. Although urban financial infrastructure is far more developed than in rural areas, we find that access to formal credit for self-employed households remains disproportionately low. Using household-level data from the 70th and 77th Rounds of the NSSO All-India Debt and Investment Survey, we analyse trends in credit accessibility over time, the terms and conditions of loans, and variations across states and socio-economic groups. Despite improvements in overall financial inclusion in urban areas, most self-employed households operate as small, asset-poor enterprises without adequate access to formal finance. Our empirical analysis highlights the key determinants of credit access to this group and the structural and institutional barriers that prevent these households from obtaining timely and adequate formal credit. The findings carry important policy implications for strengthening financial inclusion and improving the viability of urban self-employment.