Lok Sabha Question No. 3238 (UNSTARRED), answered on 2020-03-13
Subject: Credit Guarantee Scheme for Artisans
Ministry: TEXTILES
Asked by: Ganesan Selvam, Sunil Dattatray Tatkare, Heena Vijaykumar Gavit, Dhanush M Kumar, Shivkumar Chanabasappa Udasi, Soyam Babu Rao

## (a) to (d): No, Sir.

However, Office of Development Commissioner (Handicrafts) is providing MUDRA loan and margin money to handicrafts artisans.   The details of the loan amount /margin money provided to handicrafts artisans through banks are as under :-

- -SHISHU Loan offering financial support of up to INR 50,000/-
- -KISHOR Loan offering financial support of amount ranging between INR 50,000 and INR 500,000/-
- -TARUN Loan offering  financial  support  of  amount  ranging  between  INR  500,000  and INR 10,00,000/-

## LOK SABHA UNSTARRED QUESTION NO. 3238

## TO BE ANSWERED ON 13.03.2020

## CREDIT GUARANTEE SCHEME FOR ARTISANS

## 3238.  SHRI SELVAM G.:

SHRI SUNIL DATTATRAY TATKARE:

DR. HEENA GAVIT:

SHRI DHANUSH M. KUMAR:

SHRI SHIVAKUMAR C. UDASI:

SHRI SOYAM BAPU RAO:

Will the Minister of TEXTILES वस्त्र मंत्री

be pleased to state :

- (a) whether the Government is implementing credit guarantee scheme for artisans and entrepreneurs in the craft sector who find it difficult to get loans from banks and other financial institutions, if so, the details thereof;
- (b) the quantum of loan amount provided by the Government as guarantee under the said scheme;
- (c) whether the Government has fixed any eligibility criteria for availing this scheme, if so, the details thereof indicating the number of artisans and entrepreneurs who have availed the scheme so far;
- (d) the details of the other such credit guarantee schemes and programmes available with the bank for artisans and entrepreneurs in the craft sector;
- (e) whether the Government has created awareness among artisans and entrepreneurs in the craft sector about this scheme, if so, the details thereof; and
- (f) the other steps taken by the Government for the welfare of artisans and entrepreneurs in the craft sector?

## उत्तर

ANSWER

## वस्त्र मंत्री ( श्रीमती स्मृतत ज़ूबिन इरानी )

MINISTER OF TEXTILES (SMT. SMRITI ZUBIN IRANI)

(e): Yes Sir, The office of Development Commissioner (Handicrafts) is regularly organizing the craft  awareness  programme in the craft clusters for awareness of the schemes implemented for the welfare of handicrafts artisans including Interest Subvention and Margin money as a welfare measure for handicrafts artisans under Direct Benefit to Artisans.

(f): Office  of  Development  Commissioner  (Handicrafts)  is  implementing  the  scheme  namely Direct benefit to artisans as welfare measures under National Handicrafts Development Programme (NHDP)  during  2018-19  and  2019-20.    The  following  are  the  components  for  the  welfare  of handicrafts artisans being implemented:-

- I. Handicrafts  artisans  comprehensive  welfare  scheme  wherein  the  handicrafts  artisans  is issued the identity card under PAHCHAN initiatives, so that he/she may get the benefit of all the schemes of Govt. of India.
- II. Pradhan  Mantri  Jeevan  Jyoti  Bima  Yojana/Pradhan  Mantri  Surkashi  Bima  Yojana  and Modified Aam admi Bima Yojana through Life Insurance Corporation of India to provide life insurance protection to handicrafts artisans
- III. Support  to  artisans  in  indigent  circumstances  to  the  recipient  of  Shilp  Guru  Awards, National  Awards  or  merit  certificate  or  state  award  in  handicrafts  above  the  age  of  60 years.    The  assistance  to  an  amount  of  Rs.3500/-  per  month  is  provided  to  the  eligible mastercrafts  persons  on  the  recommendation  of  field  offices  whose  income  should  not exceeds to Rs.50,000/- per annum.  The relaxation in age is in the case of disability.
- IV. Interest subvention @ 6% on the loan amount maximum to Rs.1.00 lakhs over a period of 3 years.
- V. Margin money @ 20% of the sanctioned amount maximum to Rs.10,000/- in each case.

As  on  date  the  margin  money  to  302  handicrafts  artisans  amounting  to  Rs.30.20  lakhs  has  been provided.

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