Lok Sabha Question No. 3830 (UNSTARRED), answered on 2018-03-19
Subject: CGFT Scheme
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: KRUPAL BALAJI TUMANE

## GOVERNMENT OF INDIA MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 3830 TO BE ANSWERED ON: 19.3.2018

## CGFT SCHEME

3830:   SHRI  KRUPAL  BALAJI  TUMANE:

Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:

- (a) whether the Government has started Credit Guarantee Funds Scheme Trust (CGFT) for the Micro, Small and Medium Enterprises in collaboration with Small Industries Development Bank of India for the benefit of Micro and Small industries in the country;
- (b) if so, the details and salient features thereof including the funds allocated and utilised and the number  of  beneficiaries  therefrom  during  each  of  the  last  three  years  and  the  current  year, State/UT-wise;
- (c) the  details  of  the  other  such  credit  guarantee  schemes  and  programmes  available  with  the banks for micro and small entrepreneurs;
- (d) whether any collateral guarantee is required to avail such schemes; and
- (e) if so, the details thereof?

## ANSWER

## MINISTER OF STATE (INDEPENDENT CHARGE) FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI GIRIRAJ SINGH)

- (a): Yes, Madam.
- (b): Under Credit Guarantee Scheme for Micro and Small Enterprises (CGS), the Trust provides guarantee cover to its registered members Banks/Financial Institutions (called MLIs) against their collateral free and/or Third Party Guarantee (TPG) free credit facilities upto Rs.200 lakh sanctioned by them to the eligible Micro and Small Enterprises (MSE).  Details of the funds allocated to the Trust are given below:-

| Year                             |   Fund Allocated to CGTMSE (Amount in Rs. Crore) |
|----------------------------------|--------------------------------------------------|
| 2014-15                          |                                            74.99 |
| 2015-16                          |                                            70.99 |
| 2016-17                          |                                           715.68 |
| 2017-18 (Release till 28.2.2018) |                                          2801.8  |

State/UT-wise details of the number of beneficiaries during the last three years upto the current year are furnished at Annexure.

: 2 :

- (c): There  are  other  Credit  Guarantee  Schemes  and  Programmes  like  the  following  available with  banks  under  the  National  Credit  Guarantee  Trust  Company  Ltd.  (NCGTC)  set-up  by Department of Financial Services, Ministry of Finance:
-  Credit Guarantee Fund for Factoring (Guarantee of factored receivables of SMEs)
-  Credit Guarantee Fund for MUDRA (Guarantee of MUDRA Loans)
-  Credit Guarantee Fund for Stand up India (Guarantee of Loans to SMEs for loans from  Rs. 10 lakh to Rs.100 lakh for setting up Greenfield project by SC/ST/Women entrepreneurs.

(d) & (e):

No, Madam.

*****

## Annexure

## Annexure referred to in reply to part (b) of the Lok Sabha Unstarred Question No. 3830 for answer on 19.03.2018. Annexure referred to in reply to part (b) of the Lok Sabha Unstarred Question No. 3830 for Annexure referred to in reply to part (b) of the Lok Sabha Unstarred Question No. 3830 for

|     | State/UT            |           |                                 | 2015-16   | 2015-16         |           |                                 | (Amount in Rs. Crore) 2017-18   | (Amount in Rs. Crore) 2017-18   |
|-----|---------------------|-----------|---------------------------------|-----------|-----------------|-----------|---------------------------------|---------------------------------|---------------------------------|
| No. | State/UT            | Proposals | Amount Approved Amount Approved | Proposals | Amount Approved | Proposals | Amount Approved Amount Approved | Proposals                       | Amount Approved                 |
| 1   | Andaman& Nicobar    | 299       | 19.21                           | 385       | 18.74           | 393       | 22.89 22.89                     | 252                             | 22.10                           |
| 2   | Andhra Pradesh      | 16043     | 787.12 787.12                   | 18627     | 392.92          | 13911     | 385.51 385.51                   | 8805                            | 295.48                          |
| 3   | Arunachal Pradesh   | 1749      | 73.76                           | 1482      | 57.70           | 824       | 36.54 36.54                     | 366                             | 26.71                           |
| 4   | Assam               | 14405     | 512.29 512.29                   | 13543     | 378.75          | 10934     | 427.25 427.25                   | 6494                            | 417.58                          |
| 5   | Bihar               | 20650     | 1028.17 1028.17                 | 19878     | 877.10          | 16397     | 671.68 671.68                   | 9559                            | 469.57                          |
| 6   | Chandigarh          | 669       | 66.75                           | 1246      | 45.00           | 1307      | 65.33 65.33                     | 495                             | 56.02                           |
| 7   | Chhattisgarh        | 5945      | 336.77 336.77                   | 9468      | 282.50          | 6716      | 235.73 235.73                   | 2658                            | 277.06                          |
| 8   | Dadra &Nagar Haveli | 73        | 17.78                           | 100       | 23.70           | 67        | 14.15 14.15                     | 98                              | 33.15                           |
| 9   | Daman &Diu          | 80        | 20.75                           | 76        | 25.18           | 60        | 10.26 10.26                     | 29                              | 7.19                            |
| 10  | Delhi               | 3719      | 529.83 529.83                   | 10899     | 623.16          | 8680      | 639.63 639.63                   | 3668                            | 540.87                          |
| 11  | Goa                 | 2204      | 129.07 129.07                   | 2736      | 125.54          | 2036      | 116.03 116.03                   | 1077                            | 97.76                           |
| 12  | Gujarat             | 12632     | 1209.63 1209.63                 | 18636     | 1210.52         | 15985     | 1150.47 1150.47                 | 8686                            | 1350.76                         |
| 13  | Haryana             | 4748      | 437.94 437.94                   | 7896      | 400.10          | 7108      | 447.93 447.93                   | 3714                            | 422.52                          |
| 14  | Himachal Pradesh    | 6481      | 371.14 371.14                   | 7533      | 291.40          | 6684      | 262.87 262.87                   | 3061                            | 191.53                          |

N.B.: Actuals may vary due to intervening cancellations / modifications N.B.: Actuals may vary due to intervening cancellations / modifications

| 15    | Jammu& Kashmir   | 17912   | 360.85 360.85     |   10005 |   242.38 |   5557 | 157.33 157.33     |   9436 |   216.29 |
|-------|------------------|---------|-------------------|---------|----------|--------|-------------------|--------|----------|
| 16    | Jharkhand        | 16653   | 1145.49 1145.49   |   18935 |   898.56 |  15106 | 920.06 920.06     |   9075 |   856.27 |
| 17    | Karnataka        | 39561   | 2248.17 2248.17   |   48731 |  2345.11 |  46229 | 2278.45 2278.45   |  18768 |  1738.44 |
| 18    | Kerala           | 41624   | 1124.74 1124.74   |   47120 |   932.79 |  38194 | 973.13 973.13     |  16513 |   512.17 |
| 19    | Laksha Deep      | 56      | 2.01              |      88 |     2.67 |     62 | 1.08 1.08         |     10 |     0.26 |
| 20    | Madhya Pradesh   | 14999   | 821.34 821.34     |   22150 |  1015.46 |  20479 | 1039.00 1039.00   |  16789 |  1040.33 |
| 21    | Maharashtra      | 44835   | 2668.70 2668.70   |   49279 |  2551.17 |  52623 | 2834.95 2834.95   |  17631 |  2085.76 |
| 22    | Manipur          | 1389    | 31.44             |     849 |    27.62 |    878 | 33.39 33.39       |    831 |    41.09 |
| 23    | Meghalaya        | 1000    | 43.21             |     976 |    31.36 |   1068 | 42.78 42.78       |    805 |    41.57 |
| 24    | Mizoram          | 717     | 27.29             |     569 |    14.82 |    545 | 27.26 27.26       |    318 |    16.23 |
| 25    | Nagaland         | 1251    | 35.46             |    1765 |    41.15 |   1432 | 47.86 47.86       |   1134 |    50.89 |
| 26    | Orissa           | 14845   | 783.84 783.84     |   19060 |   710.17 |  18950 | 795.09 795.09     |  10900 |   648.8  |
| 27    | Pondicherry      | 606     | 20.33             |    1261 |    25.87 |    979 | 23.54 23.54       |    571 |    24.72 |
| 28    | Punjab           | 7458    | 533.99 533.99     |   15016 |   485.75 |  11916 | 427.57 427.57     |   6433 |   412.56 |
| 29    | Rajasthan        | 10145   | 793.13 793.13     |   14796 |   580.29 |  13401 | 529.84 529.84     |   4345 |   385.56 |
| 30    | Sikkim           | 304     | 13.67             |     335 |    15.88 |    292 | 14.67 14.67       |    152 |     9.14 |
| 31    | Tamilnadu        | 42557   | 1720.44 1720.44   |   56472 |  1784.91 |  49000 | 1858.24 1858.24   |  27806 |  1592.52 |
| 32    | Telangana        | -       | -                 |   14636 |   578.97 |  13692 | 632.20 632.20     |   5791 |   505.89 |
| 33    | Tripura          | 1111    | 42.48             |    1512 |    38.42 |    866 | 30.44 30.44       |    754 |    27.08 |
| 34    | Uttar Pradesh    | 36418   | 2050.09 2050.09   |   52739 |  1815.52 |  48954 | 1685.28 1685.28   |  26120 |  1459.17 |
| 35    | Uttarakhand      | 5011    | 270.26 270.26     |    7387 |   277.19 |   6000 | 267.26 267.26     |   3279 |   209.27 |
| 36    | West Bengal      | 15273   | 997.69 997.69     |   17792 |   781.04 |  14802 | 825.81 825.81     |   9170 |   754.98 |
| Total | Total            | 403422  | 21274.82 21274.82 |  513978 | 19949.4  | 452127 | 19931.49 19931.49 | 235593 | 16837.3  |