Lok Sabha Question No. 692 (UNSTARRED), answered on 2020-09-17
Subject: Emergency Credit Line Guarantee Scheme
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Dushyant Singh, Pinaki Misra

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

## LOK SABHA

## UNSTARRED QUESTION NO. 692

TO BE ANSWERED ON: 17.09.2020

## EMERGENCY CREDIT LINE GUARANTEE SCHEME

## 692.          SHRI  DUSHYANT SINGH: SHRI PINAKl MISRA:

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

- (a) the  funds  sanctioned  and  disbursed  under  Emergency  Credit  Line  Guarantee  Scheme (ECLGS) to various MSMEs  and the eligibility criteria for the same;
- (b) total amount of credit disbursed to MSMEs for each category, category-wise;
- (c) the  average  credit  disbursed  to  MSMEs,  the  number  of  MSMEs  which  were  disbursed credit and total number of MSMEs registered in the country;
- (d) the amount of credit disbursed to MSMEs industry across the country, sector-wise;
- (e) the number of MSMEs that are currently operating at fifty percent capacity or greater;
- (f) whether the Government would consider expanding ECLGS to cover first-time borrowers and cooperative banks and if so, the details thereof and if not, the reasons therefore; and
- (g) whether  the  Government  would  consider  providing  direct  payroll  assistance  to  MSMEs given the impact of COVlD-19 and if not, the reasons therefore ?

## ANSWER

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

(a) to (d): The  Emergency  Credit  Line  Guarantee  Scheme  (ECLGS)  is  being  implemented through  the  National  Credit  Guarantee  Trustee  Company  Ltd.  (NCGTC)  which  is  under  the administrative  control  of  Department  of  Financial  Services  (DFS).  Under  this  scheme,  100% guarantee  is  provided  by  National  Credit  Guarantee  Trustee  Company  (NCGTC)  to  Member Lending Institutions (MLIs), for extending credit facility to eligible borrowers including MSMEs, up  to  20%  of  the  borrower's  total  outstanding  credit  up  to  Rs.  50  crore,  excluding  off-balance sheet  and  non-fund  based  exposures,  as  on  29th  February,  2020.    DFS  has  reported  that  as  on 09.09.2020, an amount of Rs. 163,103 crore has been sanctioned to 42,01,060  borrowers and an amount  of      Rs.  117,885  crore  has  been  disbursed  to    25,01,216  borrowers  under  the  scheme. Details of the state- wise, bank-wise loans disbursed by the Public Sector Banks is at Annexure I.

- (e): Most of the MSMEs are in informal sector; therefore, data pertaining to capacity utilisation of MSMEs are not available.
- (f): In the present form, the Scheme is valid only for existing customers on the books of the Member Lending Institutions (MLI). Borrower accounts should be classified as regular, SMA-0 or SMA-1 as on 29.2.2020.  Ministry of MSME has a parallel scheme viz. Credit Guarantee Scheme for Micro and Small Enterprises for collateral free credit up to Rs.200 lakh. This scheme is also open for the first time borrowers.
- (g): Government of India under Atmanirbhar Bharat package has already announced measures such as 'Extending the Employees Provident Fund Support for business and organised workers for salary  months  of  June,  July  and  August  2020  and  'EPF  Contribution  has  been  reduced  for Employers  and  Employees  for  3  months  to  10%  from  12%  for  all  establishments  covered  by EPFO for 3 months'.

****

Annexure-I Annexure-I referred to in reply to part (a) to (d) of Lok Sabha Unstarred Question No.692 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   |
|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|
| 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