Lok Sabha Question No. 1867 (UNSTARRED), answered on 2020-09-22
Subject: Emergency Credit Line Guarantee Scheme
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Reddeppa Nallakonda Gari, Gautam Gambhir

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

## LOK SABHA UNSTARRED QUESTION NO. 1867

TO BE ANSWERED ON: 22.09.2020

## EMERGENCY CREDIT LINE GUARANTEE SCHEME

1867.             SHRI N.REDDEPPA:

SHRI GAUTAM GAMBHIR:

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

- (a) the disbursement of collateral-free loan amount to MSMEs  under  the Emergency  Credit  Line  Guarantee  Scheme  (ECLGS)  between  15  May  and  1 September, 2020, State-wise;
- (b) the share of public sector banks and private sector banks in the disbursement of loans to  the  number  of  MSMEs under the said scheme, State-wise during the same period;
- (c) the  latest  occupational  sector-wise  break-up  of  number  of  MSMEs  by  total disbursed amount under the said scheme, State-wise;
- (d) the amount of lending by banks to MSMEs under the ECLGS between March and August 2020; and
- (e) whether the Government is considering enhancing credit guarantee schemes for MSMEs  in  lieu  of  property  rates  falling  due  to  COVID-19  and  if  so,  the  details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI  PRATAP CHANDRA SARANGI)

- (a), (b) & (d):    State-wise  disbursement  of  collateral-free  loan  to  MSMEs  with  the share of public and private sector banks under the Emergency Credit Line Guarantee Scheme (ECLGS) is at Annexure I.
- (c): The latest occupational sector-wise break-up of loans disbursed to number of MSMEs as on 17.09.2020 is at Annexure II.
- (e): There is no proposal for enhancing credit guarantee schemes in the Ministry of Micro, Small and Medium Enterprises.

*******

ANNEXURE  REFERRED TO IN REPLY TO PART (a), (b) & (d) OF THE LOK SABHA UNSTARRED QUESTION NO. 1867 FOR 22.09.2020

| State-wise data regarding number of borrowers and amount for which guarantees were issued under   | State-wise data regarding number of borrowers and amount for which guarantees were issued under   | State-wise data regarding number of borrowers and amount for which guarantees were issued under   | State-wise data regarding number of borrowers and amount for which guarantees were issued under   | State-wise data regarding number of borrowers and amount for which guarantees were issued under   | State-wise data regarding number of borrowers and amount for which guarantees were issued under   |
|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|
| Sr. No.                                                                                           | State Name                                                                                        | Total Number of borrowers                                                                         | Total Amount (in Rs crore)                                                                        | Share of Public Sector Banks in number of borrowers                                               | Share of Private Sector Banks in number of borrowers                                              |
| 1                                                                                                 | ANDAMAN&NICOBAR                                                                                   | 1151                                                                                              | 69.60                                                                                             | 97.22%                                                                                            | 2.61%                                                                                             |
| 2                                                                                                 | ANDHRA PRADESH                                                                                    | 190955                                                                                            | 4297.84                                                                                           | 76.86%                                                                                            | 7.17%                                                                                             |
| 3                                                                                                 | ARUNACHAL PRADESH                                                                                 | 1176                                                                                              | 35.54                                                                                             | 87.07%                                                                                            | 1.96%                                                                                             |
| 4                                                                                                 | ASSAM                                                                                             | 47136                                                                                             | 1153.99                                                                                           | 69.38%                                                                                            | 3.07%                                                                                             |
| 5                                                                                                 | BIHAR                                                                                             | 88869                                                                                             | 1848.76                                                                                           | 76.10%                                                                                            | 3.97%                                                                                             |
| 6                                                                                                 | CHANDIGARH                                                                                        | 3700                                                                                              | 433.79                                                                                            | 68.43%                                                                                            | 24.81%                                                                                            |
| 7                                                                                                 | CHHATTISGARH                                                                                      | 47146                                                                                             | 1761.09                                                                                           | 54.84%                                                                                            | 6.41%                                                                                             |
| 8                                                                                                 | DADRA&NAGAR HAVELI                                                                                | 849                                                                                               | 92.43                                                                                             | 38.87%                                                                                            | 34.98%                                                                                            |
| 9                                                                                                 | DAMAN &DIU                                                                                        | 547                                                                                               | 75.67                                                                                             | 60.51%                                                                                            | 26.87%                                                                                            |
| 10                                                                                                | DELHI                                                                                             | 41109                                                                                             | 5687.65                                                                                           | 46.01%                                                                                            | 38.43%                                                                                            |
| 11                                                                                                | GOA                                                                                               | 7868                                                                                              | 306.82                                                                                            | 89.62%                                                                                            | 6.43%                                                                                             |
| 12                                                                                                | GUJARAT                                                                                           | 106912                                                                                            | 10875.40                                                                                          | 44.48%                                                                                            | 34.27%                                                                                            |
| 13                                                                                                | HARYANA                                                                                           | 65740                                                                                             | 5304.70                                                                                           | 57.46%                                                                                            | 25.45%                                                                                            |
| 14                                                                                                | HIMACHAL PRADESH                                                                                  | 31355                                                                                             | 832.63                                                                                            | 76.58%                                                                                            | 3.44%                                                                                             |
| 15                                                                                                | JAMMU &KASHMIR                                                                                    | 55335                                                                                             | 1506.74                                                                                           | 12.65%                                                                                            | 75.95%                                                                                            |
| 16                                                                                                | JHARKHAND                                                                                         | 57745                                                                                             | 1327.56                                                                                           | 83.30%                                                                                            | 4.25%                                                                                             |
| 17                                                                                                | KARNATAKA                                                                                         | 173135                                                                                            | 6461.79                                                                                           | 59.45%                                                                                            | 9.62%                                                                                             |
| 18                                                                                                | KERALA                                                                                            | 107498                                                                                            | 4511.26                                                                                           | 66.49%                                                                                            | 13.65%                                                                                            |
| 19                                                                                                | LADAKH                                                                                            | 752                                                                                               | 23.97                                                                                             | 53.06%                                                                                            | 42.15%                                                                                            |
| 20                                                                                                | LAKSHADWEEP                                                                                       | 352                                                                                               | 1.62                                                                                              | 100.00%                                                                                           | 0.00%                                                                                             |
| 21                                                                                                | MADHYA PRADESH                                                                                    | 147315                                                                                            | 4184.01                                                                                           | 65.54%                                                                                            | 8.13%                                                                                             |
| 22                                                                                                | MAHARASHTRA                                                                                       | 187004                                                                                            | 12635.44                                                                                          | 52.30%                                                                                            | 21.22%                                                                                            |
| 23                                                                                                | MANIPUR                                                                                           | 2977                                                                                              | 66.87                                                                                             | 71.75%                                                                                            | 5.01%                                                                                             |
| 24                                                                                                | MEGHALAYA                                                                                         | 2590                                                                                              | 75.31                                                                                             | 89.23%                                                                                            | 2.32%                                                                                             |
| 25                                                                                                | MIZORAM                                                                                           | 1602                                                                                              | 34.42                                                                                             | 94.94%                                                                                            | 3.06%                                                                                             |
| 26                                                                                                | NAGALAND                                                                                          | 1962                                                                                              | 43.75                                                                                             | 96.48%                                                                                            | 3.01%                                                                                             |
| 27                                                                                                | ORISSA                                                                                            | 92269                                                                                             | 2132.32                                                                                           | 82.72%                                                                                            | 4.49%                                                                                             |
| 28                                                                                                | PONDICHERRY                                                                                       | 4970                                                                                              | 200.62                                                                                            | 72.94%                                                                                            | 9.64%                                                                                             |
| 29                                                                                                | PUNJAB                                                                                            | 92204                                                                                             | 4538.06                                                                                           | 75.77%                                                                                            | 16.12%                                                                                            |
| 30                                                                                                | RAJASTHAN                                                                                         | 124122                                                                                            | 6841.51                                                                                           | 54.37%                                                                                            | 18.26%                                                                                            |
| 31                                                                                                | SIKKIM                                                                                            | 2866                                                                                              | 45.71                                                                                             | 66.64%                                                                                            | 1.40%                                                                                             |
| 32                                                                                                | TAMILNADU                                                                                         | 246650                                                                                            | 11480.67                                                                                          | 56.92%                                                                                            | 14.89%                                                                                            |
| 33                                                                                                | TELANGANA                                                                                         | 81320                                                                                             | 4406.41                                                                                           | 54.51%                                                                                            | 16.43%                                                                                            |
| 34                                                                                                | TRIPURA                                                                                           | 5818                                                                                              | 129.54                                                                                            | 67.94%                                                                                            | 1.72%                                                                                             |
| 35                                                                                                | UTTAR PRADESH                                                                                     | 246664                                                                                            | 8171.26                                                                                           | 80.47%                                                                                            | 8.06%                                                                                             |
| 36                                                                                                | UTTARAKHAND                                                                                       | 35800                                                                                             | 1275.34                                                                                           | 83.59%                                                                                            | 6.56%                                                                                             |
| 37                                                                                                | WEST BENGAL                                                                                       | 122313                                                                                            | 5362.01                                                                                           | 71.69%                                                                                            | 7.86%                                                                                             |
|                                                                                                   | TOTAL                                                                                             | 2427776                                                                                           | 108232.11                                                                                         | 64.67%                                                                                            | 14.26%                                                                                            |

Source: National Credit Guarantee Trustee Company

## Annexure II

## ANNEXURE    REFERRED  TO  IN  REPLY  TO  PART  (c)  OF  THE  LOK SABHA UNSTARRED QUESTION NO. 1867 FOR 22.09.2020

| Industry-wise Data of loans under ECLGS for which guarantees had been   | Industry-wise Data of loans under ECLGS for which guarantees had been   | Industry-wise Data of loans under ECLGS for which guarantees had been   |
|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|
| INDUSTRY NATURE                                                         | Number of Borrowers                                                     | Amount (in Rs crore)                                                    |
| All Engineering                                                         | 32174                                                                   | 4429.22                                                                 |
| Basic Metal &Metal Product                                              | 22469                                                                   | 4645.76                                                                 |
| Beverage &Tobacco                                                       | 3052                                                                    | 353.56                                                                  |
| Cement &Cement Products                                                 | 7567                                                                    | 633.96                                                                  |
| Chemicals &Chemical Products                                            | 15349                                                                   | 2748.55                                                                 |
| Construction                                                            | 27046                                                                   | 4224.86                                                                 |
| Cotton                                                                  | 1                                                                       | 1.56                                                                    |
| Electronics                                                             | 1                                                                       | 0.01                                                                    |
| Food Processing                                                         | 42183                                                                   | 7458.26                                                                 |
| Gems &Jewellery                                                         | 9378                                                                    | 1614.84                                                                 |
| Glass &Glassware                                                        | 2146                                                                    | 274.50                                                                  |
| Infrastructure                                                          | 9907                                                                    | 1886.62                                                                 |
| Leather &Leather Products                                               | 4369                                                                    | 580.04                                                                  |
| Paper &Paper Products                                                   | 11477                                                                   | 1886.88                                                                 |
| Petroleum, Coal Products &Nuclear Fuels                                 | 5831                                                                    | 714.80                                                                  |
| Rubber, Plastic &their Products                                         | 13594                                                                   | 2689.95                                                                 |
| Textiles                                                                | 76121                                                                   | 9516.49                                                                 |
| Mining &Quarrying (Incl. Coal)                                          | 3932                                                                    | 908.19                                                                  |
| Miscellaneous Chemical Products                                         | 1                                                                       | 0.60                                                                    |
| Vehicles, Vehicle Parts &Transport Equipment                            | 23055                                                                   | 3128.56                                                                 |
| Wood &Wood Products                                                     | 14236                                                                   | 1175.46                                                                 |
| Other Industries                                                        | 260429                                                                  | 15561.43                                                                |
| Services                                                                | 1076728                                                                 | 25529.64                                                                |
| Trade                                                                   | 942051                                                                  | 30206.39                                                                |

Source: National Credit Guarantee Trustee Company Limited