Lok Sabha Question No. 1700 (UNSTARRED), answered on 2020-03-02
Subject: Loan under Stand-up India Scheme
Ministry: FINANCE
Asked by: Faizal P.P. Mohammed

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 1700

ANSWERED ON THE March 2, 2020, Phalguna 12, 1941 (Saka)

## LOAN UNDER STAND-UP INDIA SCHEME

1700. SHRI MOHAMMED FAIZALP.P. :

Will the Minister of FINANCE be pleased to state:

- (a) the details of the limit and eligibility criteria for loans under Stand-up India Scheme;

(b)the details of number of people benefited therefrom and the amount of fund spent thereon so far, State-wise;

- (c) the number of Green Field Projects being carried out successfully availing this loan and those which could not perform even after receiving loans; and
- (d) the manner in which Government plans to avoid turning loans into Non-Performing Assets under the said scheme?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI ANURAG SINGH THAKUR)

- (a) Stand Up India (SUPI) scheme was launched by the Government on 5th April, 2016 to facilitate bank loans between Rs. 10 lakh and Rs. 1 crore to Scheduled Caste/Scheduled Tribe and women borrowers from Scheduled Commercial Banks (SCBs), for setting up greenfield enterprises in manufacturing, services or trading sectors.
- (b) and (c) As on 25.02.2020, a total of 89,433 loans have been sanctioned for greenfield projects under SUPI since its inception, involving a total sanctioned amount of Rs. 20,051.4 crore. Out of these, as per information compiled by Small Industries Development Bank of India (SIDBI) through the www.standupmitra.in, portal, 1365 accounts have turned into nonperforming assets (NPAs) as on 26.02.2020. State-wise details of loans sanctioned under the scheme, are placed at Annexure.
- (d) Details of monitoring mechanism adopted by lenders regarding repayment of loans include, inter-alia, the following:
- -pre-sanction field visits to verify the details as provided in the loan application by the borrower and post-sanction visits for verification of assets created out of the loan amount.
- -collection of stock statement and its periodic verification with the stock lying at the unit of the borrower for fixing Drawing Power (DP) for working capital for a particular period.
- -periodic monitoring of cash flow data, to analyse how a unit spends its money (cash outflows) and from where a unit receives its money (cash inflows).
- -monitoring of early warning signals (EWS), which throw up alerts for SCBs to respond to immediately early warning signals (EWS), which throw up alerts for SCBs to respond to immediately.

*****

| Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 1700 for answer on 02.03.2020   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 1700 for answer on 02.03.2020   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 1700 for answer on 02.03.2020   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 1700 for answer on 02.03.2020   |
|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|
| details of loans sanctioned under SUPI, as on 25.02.2020, since inception of the scheme.                      | details of loans sanctioned under SUPI, as on 25.02.2020, since inception of the scheme.                      | details of loans sanctioned under SUPI, as on 25.02.2020, since inception of the scheme.                      | details of loans sanctioned under SUPI, as on 25.02.2020, since inception of the scheme.                      |
| SL No                                                                                                         | States/UTs                                                                                                    | Total                                                                                                         | Total                                                                                                         |
|                                                                                                               |                                                                                                               | No.of                                                                                                         | Sanctioned Amt.                                                                                               |
| 1                                                                                                             | Andaman and Nicobar                                                                                           | 121                                                                                                           | 22.98                                                                                                         |
| 2                                                                                                             | Andhra Pradesh                                                                                                | 5267                                                                                                          | 1272.59                                                                                                       |
| 3                                                                                                             | Arunachal Pradesh                                                                                             | 145                                                                                                           | 36.89                                                                                                         |
| 4                                                                                                             | Assam                                                                                                         | 1387                                                                                                          | 294.82                                                                                                        |
| 5                                                                                                             | Bihar                                                                                                         | 3094                                                                                                          | 582.43                                                                                                        |
| 6                                                                                                             | Chandigarh                                                                                                    | 340                                                                                                           | 68.02                                                                                                         |
| 7                                                                                                             | Chhattisgarh                                                                                                  | 2128                                                                                                          | 511.75                                                                                                        |
| 8                                                                                                             | Dadra and Nagar Haveli                                                                                        | 35                                                                                                            | 7.95                                                                                                          |
| 9                                                                                                             | Daman and Diu                                                                                                 | 33                                                                                                            | 16.38                                                                                                         |
| 10                                                                                                            | Delhi                                                                                                         | 2913                                                                                                          | 691.71                                                                                                        |
| 11                                                                                                            | Goa                                                                                                           | 380                                                                                                           | 75.09                                                                                                         |
| 12                                                                                                            | Gujarat                                                                                                       | 6172                                                                                                          | 1804.49                                                                                                       |
| 13                                                                                                            | Haryana                                                                                                       | 3060                                                                                                          | 689.83                                                                                                        |
| 14                                                                                                            | Himachal Pradesh                                                                                              | 1128                                                                                                          | 222.95                                                                                                        |
| 15                                                                                                            | Jammu and Kashmir                                                                                             | 313                                                                                                           | 66.96                                                                                                         |
| 16                                                                                                            | Jharkhand                                                                                                     | 1719                                                                                                          | 354.96                                                                                                        |
| 17                                                                                                            | Karnataka                                                                                                     | 4914                                                                                                          | 1147.89                                                                                                       |
| 18                                                                                                            | Kerala                                                                                                        | 2683                                                                                                          | 548.55                                                                                                        |
| 19                                                                                                            | Ladakh                                                                                                        | 62                                                                                                            | 9.55                                                                                                          |
| 20                                                                                                            | Lakshadweep                                                                                                   | 2                                                                                                             | 0.53                                                                                                          |
| 21                                                                                                            | Madhya Pradesh                                                                                                | 3552                                                                                                          | 808.66                                                                                                        |
| 22                                                                                                            | Maharashtra                                                                                                   | 6683                                                                                                          | 1545.66                                                                                                       |
| 23                                                                                                            | Manipur                                                                                                       | 163                                                                                                           | 32.81                                                                                                         |
| 24                                                                                                            | Meghalaya                                                                                                     | 171                                                                                                           | 39.73                                                                                                         |
| 25                                                                                                            | Mizoram                                                                                                       | 218                                                                                                           | 51.98                                                                                                         |
| 26                                                                                                            | Nagaland                                                                                                      | 256                                                                                                           | 49.92                                                                                                         |
| 27                                                                                                            | Odisha                                                                                                        | 2618                                                                                                          | 528.22                                                                                                        |
| 28                                                                                                            | Puducherry                                                                                                    | 199                                                                                                           | 46.72                                                                                                         |
| 29                                                                                                            | Punjab                                                                                                        | 2950                                                                                                          | 610.24                                                                                                        |
| 30                                                                                                            | Rajasthan                                                                                                     | 4206                                                                                                          | 917.69                                                                                                        |
| 31                                                                                                            | Sikkim                                                                                                        | 225                                                                                                           | 30.71                                                                                                         |
| 32                                                                                                            | Tamil Nadu                                                                                                    | 8323                                                                                                          | 1916.87                                                                                                       |
| 33                                                                                                            | Telangana                                                                                                     | 5423                                                                                                          | 1363.66                                                                                                       |
| 34                                                                                                            | Tripura                                                                                                       | 157                                                                                                           | 29.03                                                                                                         |
| 35                                                                                                            | Uttar Pradesh                                                                                                 | 11246                                                                                                         | 2277.59                                                                                                       |
| 36                                                                                                            | Uttarakhand                                                                                                   | 1613                                                                                                          | 357.44                                                                                                        |
| 37                                                                                                            | West Bengal                                                                                                   | 5534                                                                                                          | 1018.12                                                                                                       |

Source:

As reported by Scheduled Commercial Banks on Stand Up Mitra portal

(www.standupmitra.in)