Lok Sabha Question No. 856 (UNSTARRED), answered on 2020-09-17
Subject: Impact of COVID-19 on MSMEs
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Balubhau (Alias Suresh Narayan) Dhanorkar, Sanjay Sadashivrao Mandlik, Parvatagouda Chandanagouda Gaddigoudar, Kani K. Navas, Kunhalikutty P.K., Bidyut Baran Mahato, Sudheer Gupta, Shrirang Appa Barne

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA

## UNSTARRED QUESTION NO. 856

TO BE ANSWERED ON: 17.09.2020

## IMPACT OF COVID-19 ON MSMEs

856.     SHRI BALUBHAU ALIAS SURESH NARAYAN DHANORKAR:

SHRI SANJAY SADASHIVRAO MANDLIK:

SHRI  P.C. GADDIGOUDAR:

SHRI K. NAVASKANI:

SHRI P.K. KUNHALIKUTTY:

SHRI BIDYUT BARAN MAHATO:

SHRI SUDHEER GUPTA:

SHRI SHRIRANG APPA BARNE:

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

- (a) whether a number of Micro, small and Medium Enterprises (MSMEs) have fallen into the debt trap, resorting to retrenchment and are on the verge of closure after the outbreak of COVID19  and subsequent lockdown in the country;
- (b) if  so,  the  details  thereof,  State-wise  particularly  in  the  State  of  Karnataka  and  the  major reasons for their closure;
- (c) whether the Government has assessed the losses of the said MSME industries in this regard and if so the details thereof;
- (d) whether the Government has proposed/ unveiled any kind of assistance/ sops to assist the sick/closed MSMEs;
- (e) if so, the details thereof and if not, the reasons therefor; and
- (f) whether the Government has so far granted any incentive to industrial units in MSME sector to sustain during this pandemic period and if so details thereof?

## ANSWER

## MINISTER OF MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI NITIN GADKARI)

(a) to (c): Taking  into account the stress on the MSME sector after the outbreak of COVID19 and the subsequent lockdown, Government of India and Reserve Bank of India has announced series  of  measures  to  revive  the  MSME  sector  after  the  outbreak  of  COVID-19.  This  inter-alia includes  i)  moratorium upto 31 st August, 2020 on repayment of installments of term loans/cash credit/over draft (ii) reducing the Cash Reserve Ratio and Repo rate  (iii) Special refinance facility of  ₹15,000  crore  to  SIDBI  for  on-lending/refinancing  (iv) Special  liquidity  scheme  for  NBFCs, HFCs and MGIS worth  ₹30,000 crore (v) Emergency Credit Guarantee Line of ₹ 3 lakh crore for Standard accounts and stressed accounts ( SMA-0 and SMA-1) (v) Credit Guarantee Scheme for Subordinate Debt for SMA-2 and NPA accounts for infusing ₹ 20,000 crore in MSME Sector (vi) Credit Guarantee scheme for Street Vendors (PM SVAnidhi) which also involves interest subsidy (vii)  partial  credit  guarantee  scheme  for  the  liabilities  of  NBFCs  and  MFIs  etc.  The  above measures are applicable to the whole of India including the state of Karnataka.

(d) to (f): The Atma Nirbhar Package announced by the Government provides various kinds of assistance to the economy including units in the MSME Sector.  The Emergency Credit Line Guarantee Scheme (ECLGS) being implemented through the National Credit Guarantee Trustee Company Ltd. (NCGTC) which is under the administrative control of  Department of  Financial Services (DFS), Ministry of Finance of ₹ 3 lakh crore for Standard accounts and stressed accounts (  SMA-0  and  SMA-1).  The  State-wise  details  of  Emergency  Credit  Line  Guarantee  Scheme including  the  State  of  Karnataka  is  at  Annexure-I.  Moreover,  Credit  Guarantee  Scheme  for Subordinate Debt is also being implemented for SMA-2 and NPA accounts for infusing ₹ 20,000 crore  in  MSME  Sector.      The  two  schemes  are  demand  driven.  As  per  the  approved  scheme following the announcement under the Atma Nirbahr Package the ECLGS shall be in operation till 31-10-2020 or till  an  amount  of  Rs.3  Lakh  crore  sanctioned.  However,  the  CGSSD  shall  be  in operation for 10 years or till an amount of Rs. 20,000 Crore of guarantee amount is approved.

****

Annexure-I Annexure-I referred to in reply to part (d) to (f) of Lok Sabha Unstarred Question No.856 for answer on 17.09.2020

| State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   | State wise and Bank-wise Disbursement under ECLGS made by Public Sector banks as on 5.9.2020   |
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| Bank                                                                                           | Bank Of India                                                                                  | Bank of Maharashtra                                                                            | Bank of Baroda                                                                                 | Central bank of India                                                                          | Canara Bank                                                                                    | Indian bank                                                                                    | Indian Oversease bank                                                                          | Punjab and Sindh bank                                                                          | Punjab national |bank                                                                     | State bank of India                                                                            | Uco Bank                                                                                       | Union bank of India                                                                            | (In Rs. Crore) Total                                                                           |
| ANDAMANAND NIKOBAR                                                                             | 0.2                                                                                            | 0                                                                                              | 2.69                                                                                           | 0.07                                                                                           | 11.66                                                                                          | 4.54                                                                                           | 0.05                                                                                           | 0                                                                                              | 0                                                                                              | 49.59                                                                                          | 0.73                                                                                           | 0.67                                                                                           | 70.25                                                                                          |
| ANDHRA PRADESH                                                                                 | 94.21                                                                                          | 29                                                                                             | 12.57                                                                                          | 71.47                                                                                          | 301.02                                                                                         | 242.98                                                                                         | 126.75                                                                                         | 9.28                                                                                           | 101.19                                                                                         | 1403.17                                                                                        | 8.99                                                                                           | 643.11                                                                                         | 3151.74                                                                                        |
| ARUNACHAL PRADESH                                                                              | 0.57                                                                                           | 1                                                                                              | 8.79                                                                                           | 1.47                                                                                           | 4.95                                                                                           | 2.58                                                                                           | 0.18                                                                                           | 0.03                                                                                           | 2.65                                                                                           | 16.72                                                                                          | 0.37                                                                                           | 0.12                                                                                           | 39.43                                                                                          |
| ASSAM                                                                                          | 26.09                                                                                          | 8                                                                                              | 68.54                                                                                          | 44.73                                                                                          | 85.64                                                                                          | 65.25                                                                                          | 29.22                                                                                          | 2.86                                                                                           | 161.31                                                                                         | 279.13                                                                                         | 47.55                                                                                          | 41.56                                                                                          | 859.88                                                                                         |
| BIHAR                                                                                          | 217.7                                                                                          | 8                                                                                              | 163.85                                                                                         | 107.71                                                                                         | 178.72                                                                                         | 120.21                                                                                         | 43.52                                                                                          | 6.86                                                                                           | 222.9                                                                                          | 469.69                                                                                         | 31.31                                                                                          | 66.72                                                                                          | 1638.19                                                                                        |
| CHANDIGARH                                                                                     | 14.12                                                                                          | 5                                                                                              | 19.7                                                                                           | 17.12                                                                                          | 23.01                                                                                          | 15.16                                                                                          | 3.95                                                                                           | 19.33                                                                                          | 52.45                                                                                          | 82.35                                                                                          | 4.72                                                                                           | 37.39                                                                                          | 294.3                                                                                          |
| CHHATISGARH                                                                                    | 144.54                                                                                         | 35                                                                                             | 190.58                                                                                         | 110.54                                                                                         | 69.4                                                                                           | 48.03                                                                                          | 9.89                                                                                           | 7.23                                                                                           | 192.98                                                                                         | 391.86                                                                                         | 21.13                                                                                          | 91.31                                                                                          | 1312.49                                                                                        |
| DADRA AND NAGAR HAVELI                                                                         | 0.18                                                                                           | 1                                                                                              | 29.47                                                                                          | 0.93                                                                                           | 1.73                                                                                           | 2.19                                                                                           | 2.31                                                                                           | 0                                                                                              | 10.85                                                                                          | 1.22                                                                                           | 0.12                                                                                           | 0.35                                                                                           | 50.35                                                                                          |
| DAMAN AND DIU                                                                                  | 0.16                                                                                           | 0                                                                                              | 22.18                                                                                          | 0.09                                                                                           | 0.51                                                                                           | 0.47                                                                                           | 0                                                                                              | 42.12                                                                                          | 3.96                                                                                           | 0.42                                                                                           | 0.1                                                                                            |                                                                                                | 70.01                                                                                          |
| DELHI                                                                                          | 147.93                                                                                         | 33                                                                                             | 150.51                                                                                         | 76.08                                                                                          | 0.72                                                                                           | 122.61                                                                                         | 124.26                                                                                         | 116.12                                                                                         | 524.3                                                                                          | 472.79                                                                                         | 21.62                                                                                          | 150.17                                                                                         | 1940.11                                                                                        |
| GOA                                                                                            | 28.59                                                                                          | 13                                                                                             | 12.59                                                                                          | 10.39                                                                                          | 179.57                                                                                         | 2.27                                                                                           | 3.09                                                                                           | 0.19                                                                                           | 26.47                                                                                          | 33.92                                                                                          | 1.74                                                                                           | 24.06                                                                                          | 435.88                                                                                         |
| GUJRAT                                                                                         | 451.14                                                                                         | 39                                                                                             | 1401.75                                                                                        | 341.13                                                                                         | 56.12                                                                                          | 265.42                                                                                         | 139.63                                                                                         | 25                                                                                             | 466.13                                                                                         | 2003.43                                                                                        | 46.92                                                                                          | 362.69                                                                                         | 5598.36                                                                                        |
| HARYANA                                                                                        | 109.34                                                                                         | 27                                                                                             | 126.44                                                                                         | 10.84                                                                                          | 174.12                                                                                         | 88.57                                                                                          | 89.95                                                                                          | 52.32                                                                                          | 654.3                                                                                          | 608.69                                                                                         | 27.95                                                                                          | 148.55                                                                                         | 2215.07                                                                                        |
| HIMACHAL PRADESH                                                                               | 8.87                                                                                           | 1                                                                                              | 23.94                                                                                          | 28.99                                                                                          | 300.97                                                                                         | 5.63                                                                                           | 2.51                                                                                           | 7.71                                                                                           | 229.04                                                                                         | 289.46                                                                                         | 31.18                                                                                          | 13.67                                                                                          | 942.97                                                                                         |
| JAMMU AND KASHMIR                                                                              | 6.16                                                                                           | 1                                                                                              | 2.56                                                                                           | 5.19                                                                                           | 30.9                                                                                           | 3.75                                                                                           | 0.96                                                                                           | 4.09                                                                                           | 37.61                                                                                          | 49.65                                                                                          | 6.73                                                                                           | 7.4                                                                                            | 156                                                                                            |
| JHARKHAND                                                                                      | 296.36                                                                                         | 3                                                                                              | 118.1                                                                                          | 25.39                                                                                          | 14.59                                                                                          | 58.49                                                                                          | 26.45                                                                                          | 10.76                                                                                          | 131.6                                                                                          | 359.28                                                                                         | 17.77                                                                                          | 49.71                                                                                          | 1111.5                                                                                         |
| KARNATAKA                                                                                      | 211.1                                                                                          | 57                                                                                             | 298.12                                                                                         | 40.45                                                                                          | 86.04                                                                                          | 132.53                                                                                         | 71.78                                                                                          | 8.93                                                                                           | 56.59                                                                                          | 1159.5                                                                                         | 12.22                                                                                          | 449.98                                                                                         | 2584.14                                                                                        |
| KERALA                                                                                         | 38.12                                                                                          | 3                                                                                              | 115.55                                                                                         | 31.52                                                                                          | 1368.57                                                                                        | 83.47                                                                                          | 110                                                                                            | 2.02                                                                                           | 100.16                                                                                         | 1018.83                                                                                        | 54.63                                                                                          | 196.76                                                                                         | 3122.63                                                                                        |
| LADHAK                                                                                         | 0                                                                                              | 0                                                                                              | 0                                                                                              | 0.34                                                                                           | 502.51                                                                                         | 0                                                                                              | 0                                                                                              | 0                                                                                              | 0.57                                                                                           | 7.38                                                                                           | 0                                                                                              | 0                                                                                              | 510.8                                                                                          |

| LAKSHADWEEP    |      0 |   0 |      0 |   0.36 |    0.84 | 0        |      0 |      0 |       0 |       0 |      0 |      0 |     1.2 |
|----------------|--------|-----|--------|--------|---------|----------|--------|--------|---------|---------|--------|--------|---------|
| MADHYA PRADESH | 268.46 |  89 | 297.97 | 276.08 |    1.6  | 90.27    |  16.97 |  23.17 |  280.75 |  719.55 |  37    | 229.15 | 2329.97 |
| MAHARASHTRA    | 894.9  | 991 | 799.88 | 234.65 |  168.75 | 256.3    | 184.69 |  32.08 |  267.83 | 1712.44 |  46.99 | 666.55 | 6516.06 |
| MANIPUR        |   2.27 |   1 |   5.78 |   2.59 |  443.34 | 0.91     |   0.53 |   1.45 |    6.25 |   27.81 |   2.01 |   0.08 |  494.02 |
| MEGHALAYA      |   1.11 |   0 |   8.08 |   0.67 |    1    | 0.7      |   0.63 |   0.16 |    3.59 |   58.81 |   0.9  |   4.13 |   79.78 |
| MIZORAM        |   0.48 |   0 |   5.82 |   0.78 |    4.19 | 0.05     |   0.04 |   0.07 | 2064    |   20.08 |   2.38 |   0.14 |   36.67 |
| NAGALAND       |   0.89 |   1 |  12.77 |   1.51 |    1.98 | 2.53     |   0.1  |   0.26 |    1.03 |   18.88 |   1.95 |   0.25 |   43.15 |
| ODISHA         | 135.69 |  14 | 145.72 |  52.11 |  140.72 | 102.27   |  58.23 |  11.45 |  243.35 |  645.76 |  63.39 | 142.06 | 1754.75 |
| PUDUCHERRY     |   3    |   2 |   5.2  |   0.72 |   14.79 | 40.36    |  14.75 |   1.03 |    5.97 |   26.54 |   8.01 |  12.25 |  134.62 |
| PUNJAB         | 114.38 |  20 | 125.87 |  90.73 |  162.21 | 92.47    |  59.15 | 233.84 |  740.81 |  424.46 |  40.1  |  19.94 | 2224.33 |
| RAJASTHAN      | 104.38 |  17 | 789.96 |  94.14 |  203.77 | 71       |  29.82 |  32.8  |  733.55 | 1113.64 | 107.46 |  61.99 | 3459.51 |
| SIKKIM         |   0.36 |   0 |   5.57 |   4.62 |    3.38 | 0.944    |   0.83 |   0.28 |    4.02 |   21.75 |   1    |   1.04 |   43.79 |
| TAMILNADU      | 253.85 |  39 | 296.84 | 145.55 | 1377.29 | 1008.2 4 | 492.91 |  16.12 |  277.81 | 1835.07 |  56    | 394.5  | 6193.18 |
| TELANGANA      |  91.83 |  48 | 139.94 |  54.35 |  291.91 | 102.02   |  43.63 |   4.28 |  108.27 | 1080.55 |  16.76 | 567.28 | 2548.82 |
| TRIPURA        |   4.66 |   1 |  10.91 |   1.32 |    6.37 | 2.02     |   1.46 |   0.17 |   19.75 |   49.06 |   8.95 |   5.39 |  111.06 |
| UTTERPRADESH   | 447.76 |  89 | 734.91 | 244.29 |  586.42 | 522.83   |  86.11 | 104.96 | 1278.25 | 1560.87 |  64.27 | 496.68 | 6216.35 |
| UTTARAKHAND1   |  28.66 |   1 | 153.92 |  23.94 |   71.34 | 22.32    |  19.49 |  17.12 |   17.12 |  277.05 |   7.3  |  47.32 | 1000.94 |
| WEST BENGAL    | 232    |  35 | 223.52 | 129.08 |  189.61 | 408.3    |  80.05 |  35.91 |   35.91 |  808.49 | 108.51 | 167.88 | 3155.36 |

Source : DFS