Lok Sabha Question No. 1061 (UNSTARRED), answered on 2018-12-17
Subject: CGFT Scheme
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: KAPIL MORESHWAR PATIL

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

## LOK SABHA UNSTARRED QUESTION NO. 1061 TO BE ANSWERED ON 17.12.2018

## CGFT SCHEME

## 1061.  SHRI KAPIL MORESHWAR PATIL:

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

- (a) whether the Govt. has started a Credit Guarantee Fund Trust in collaboration with Small Industries Development Bank of India (SIDBI) for the benefits of Micro and Small Enterprises (MSEs);
- (b) if so, the detail and salient features thereof along with the amount sanctioned and utilised and number of people benefitted therefrom by the same State / UT - wise;
- (c) the  details  of  such  other  loan  guarantee  schemes  and  programmes  available with the bank for MSEs; and
- (d) whether collateral guarantee is mandatory to  get the benefit of such schemes and if so, the details there of ?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI GIRIRAJ SINGH)

- (a): Yes,  Madam.

(b): Credit Guarantee Fund Scheme for Micro and Small Enterprises is implemented  by  Credit  Guarantee  Fund  Trust  for  Micro  and  Small  Enterprises (CGTMSE) in order to provide guarantees in respect of credit facilities extended by Lending Institutions to the borrowers in Micro and Small Enterprises (MSEs) sector. The year wise amount sanctioned and the number of MSE units provided guarantee cover under the scheme, State / UT - wise are furnished at Annex -I and Annex - II respectively.

- (c): There is no other loan guarantee scheme of the Ministry of MSME.
- (d): CGTMSE has introduced a new 'Hybrid Security' product where the Bank/ Lending Institutions  are  allowed  to  obtain  collateral  security  for  only  the  unsecured part  of  the  credit  facility.  Collateral  security  and  /or  third  party  guarantee  is  not mandatory for the secured part of the credit facility which is guaranteed by CGTMSE.

*********

Annex-I referred to in reply to part (b) of Lok Sabha Unstarred Question No. 1061 for answer on 17.12.2018.

| Funds sanctioned and released to CGTMSE   | Funds sanctioned and released to CGTMSE   | Funds sanctioned and released to CGTMSE   |
|-------------------------------------------|-------------------------------------------|-------------------------------------------|
| Year                                      | Amount Sanctioned (in Rs. Crore)          | Annual release( in Rs. Crore)             |
| 2000-01                                   | 100                                       | 100                                       |
| 2001-02                                   | 100                                       | 100                                       |
| 2002-03                                   | 141.62                                    | 141.62                                    |
| 2003-04                                   | 192                                       | 192                                       |
| 2004-05                                   | 211.63                                    | 211.63                                    |
| 2005-06                                   | 200                                       | 200                                       |
| 2006-07                                   | 123.99                                    | 123.99                                    |
| 2007-08                                   | 198                                       | 198                                       |
| 2008-09                                   | 122.1                                     | 122.1                                     |
| 2009-10                                   | 135.91                                    | 135.91                                    |
| 2010-11                                   | 200                                       | 200                                       |
| 2011-12                                   | 1                                         | 1                                         |
| 2012-13                                   | 35                                        | 35                                        |
| 2013-14                                   | 74.99                                     | 74.99                                     |
| 2014-15                                   | 74.99                                     | 74.99                                     |
| 2015-16                                   | 70.99                                     | 70.99                                     |
| 2016-17                                   | 715.68                                    | 715.68                                    |
| 2017-18                                   | 3002                                      | 3002                                      |
| 2018-19                                   | 700                                       | 311                                       |
| Total                                     | 6399.9                                    | 6010.9                                    |

Annex-II Annex-II  referred  to  in  reply  to  part  (b)  of  Lok  Sabha  Unstarred  Question  No.  1061  for answer on 17.12.2018.

| CGTMSE State/UT Wise Report Guarantee Approved as on 10/12/2018   | CGTMSE State/UT Wise Report Guarantee Approved as on 10/12/2018   | CGTMSE State/UT Wise Report Guarantee Approved as on 10/12/2018   | CGTMSE State/UT Wise Report Guarantee Approved as on 10/12/2018   |
|-------------------------------------------------------------------|-------------------------------------------------------------------|-------------------------------------------------------------------|-------------------------------------------------------------------|
| Sr. No.                                                           | State Name                                                        | Proposals                                                         | Approved Amount (in Rs. Lakh)                                     |
| 1                                                                 | ANDAMAN&NICOBAR                                                   | 2663                                                              | 15120.36                                                          |
| 2                                                                 | ANDHRA PRADESH                                                    | 104556                                                            | 303698.41                                                         |
| 3                                                                 | ARUNACHAL PRADESH                                                 | 7446                                                              | 35818.15                                                          |
| 4                                                                 | ASSAM                                                             | 103843                                                            | 386988.63                                                         |
| 5                                                                 | BIHAR                                                             | 150842                                                            | 657133.08                                                         |
| 6                                                                 | CHANDIGARH                                                        | 7007                                                              | 46767.09                                                          |
| 7                                                                 | CHHATTISGARH                                                      | 43260                                                             | 239501.38                                                         |
| 8                                                                 | DADRA&NAGAR HAVELI                                                | 646                                                               | 15924.71                                                          |
| 9                                                                 | DAMAN &DIU                                                        | 484                                                               | 12328.40                                                          |
| 10                                                                | DELHI                                                             | 40991                                                             | 437662.80                                                         |
| 11                                                                | GOA                                                               | 18686                                                             | 119717.09                                                         |
| 12                                                                | GUJARAT                                                           | 121585                                                            | 1104936.47                                                        |
| 13                                                                | HARYANA                                                           | 42859                                                             | 336718.82                                                         |
| 14                                                                | HIMACHAL PRADESH                                                  | 53187                                                             | 284381.85                                                         |
| 15                                                                | JAMMU &KASHMIR                                                    | 82903                                                             | 185151.74                                                         |
| 16                                                                | JHARKHAND                                                         | 122237                                                            | 773468.74                                                         |
| 17                                                                | KARNATAKA                                                         | 277878                                                            | 1527128.03                                                        |
| 18                                                                | KERALA                                                            | 278448                                                            | 702722.58                                                         |
| 19                                                                | LAKSHA DEEP                                                       | 371                                                               | 971.67                                                            |
| 20                                                                | MADHYA PRADESH                                                    | 125481                                                            | 687182.58                                                         |
| 21                                                                | MAHARASHTRA                                                       | 255974                                                            | 1866729.48                                                        |
| 22                                                                | MANIPUR                                                           | 8195                                                              | 28335.52                                                          |
| 23                                                                | MEGHALAYA                                                         | 9183                                                              | 42921.93                                                          |
| 24                                                                | MIZORAM                                                           | 4434                                                              | 18608.35                                                          |
| 25                                                                | NAGALAND                                                          | 8259                                                              | 29468.55                                                          |
| 26                                                                | ORISSA                                                            | 146584                                                            | 644139.13                                                         |
| 27                                                                | PONDICHERRY                                                       | 5607                                                              | 20173.03                                                          |
| 28                                                                | PUNJAB                                                            | 70810                                                             | 390281.79                                                         |
| 29                                                                | RAJASTHAN                                                         | 96234                                                             | 501762.56                                                         |
| 30                                                                | SIKKIM                                                            | 2376                                                              | 11072.30                                                          |
| 31                                                                | TAMILNADU                                                         | 321411                                                            | 1348060.41                                                        |
| 32                                                                | TELANGANA                                                         | 66216                                                             | 382319.12                                                         |
| 33                                                                | TRIPURA                                                           | 11387                                                             | 39399.94                                                          |
| 34                                                                | UTTAR PRADESH                                                     | 351675                                                            | 1511141.09                                                        |
| 35                                                                | UTTARAKHAND                                                       | 41206                                                             | 215121.73                                                         |
| 36                                                                | WB                                                                | 170246                                                            | 852425.60                                                         |
| Total                                                             | Total                                                             | 3155170                                                           | 15775283.11                                                       |