Lok Sabha Question No. 433 (STARRED), answered on 2021-03-25
Subject: Beneficiaries under ECLGS
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Virendra  Kumar, Pratima Bhoumik

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA STARRED QUESTION NO. 433

## TO BE ANSWERED ON 25.03.2021

## BENEFICIARIES UNDER ECLGS

## *433. DR. VIRENDRA KUMAR: MS. PRATIMA BHOUMIK:

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

- (a) the number of beneficiaries in various categories of Micro, Small and Medium Enterprises  (MSMEs)  under  Emergency  Credit  Line  Guarantee  Scheme  (ECLGS), State-wise;
- (b) whether eligible and COVID affected MSMEs have provided incentive under ECLGS and if so, the details thereof;
- (c) the  number  of  MSME  owners  who  are  selling  properties  to  regularise  their current loans and to make re-investment in their business;
- (d) whether there is  any  proposal  to  provide  exemption  from  capital  gain  tax  to MSMEs; and
- (e) if so, the details thereof?

## ANSWER

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

- (a) to (e): A statement is laid on the Table of the House.

## STATEMENT REFERRED TO IN REPLY TO PART (a) to (e) OF THE LOK SABHA STARRED QUESTION No. *433 FOR ANSWER ON 25.03.2021.

(a) & (b): The Emergency Credit Line Guarantee Scheme (ECLGS) is implemented by Department of Financial  Services  (DFS), Ministry  of  Finance.  As per the information furnished by DFS, the number of beneficiaries under Emergency Credit  Line  Guarantee  Scheme  (ECLGS) categories of individuals in Micro, Small and  Medium  Enterprises  (MSMEs)  and  State-wise  are  attached  as  Annexure  I  & Annexure II.

The Government has announced Rs. 3 lakh crores Collateral free  Automatic Loans  under  Emergency  Credit  Line  Guarantee  Scheme  (ECLGS)    for  business, including  MSMEs, for those  accounts  which  are  classified  as  SMA-0  and  SMA-1. However,  the  Government  has  also  announced  Credit  Guarantee  Scheme  for Subordinate Debt (CGSSD) scheme for the promoters of stressed MSMEs viz. SMA2 and NPA accounts which are eligible for restructuring as per RBI guidelines.  The scheme is to provide guarantee coverage for the CGSSD to provide Sub-Debt support in  respect  of  restructuring  of  MSMEs.  90%  guarantee  coverage  would  come  from scheme/ Trust and remaining10% from the concerned promoter(s). The objective of the  scheme  is  to  provide  personal  loan  through  banks  to  the  promoters  of  stressed MSMEs for infusion as equity / quasi equity in the business eligible for restructuring, as per RBI guidelines for restructuring of stressed MSME advances.

In  addition  the  other  ongoing  schemes  of    Ministry  of    MSME  viz.  Prime Minister's  Employment Generation Programme (PMEGP) for creation of non-farm employment, Credit Guarantee Scheme (CGTMSE) for collateral free loans to Micro and  Small Enterprises,  Credit  linked  Capital  Subsidy-Technology  Upgradation Scheme (CLCS-TUS) for technology upgradation for MSEs  and Interest Subvention Scheme for incremental Credit to MSME are also being implemented. The eligible units can take benefit under these schemes also.

(c) to (e): The numbers regarding MSME owners who are selling their properties to regularize existing loans and reinvest in business owners, are not available with the Ministry of MSME and as of now there is no such proposal  to exempt MSMEs from capital gains tax.

****

Issued

| Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      | Annexure- I                                                                                                                      |
|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|
| Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 | Details of Guarantees issued the scheme in categories of individuals and in Micro, Small and Medium Enterprises as on 28-02-2021 |
| Group of Loan amount                                                                                                             | Upto Rs 5 lac                                                                                                                    | Upto Rs 5 lac                                                                                                                    | Above Rs 5 Lac to upto Rs 10 Lac                                                                                                 | Above Rs 5 Lac to upto Rs 10 Lac                                                                                                 | Above Rs 10 Lac to upto Rs 25 Lac                                                                                                | Above Rs 10 Lac to upto Rs 25 Lac                                                                                                | Above Rs 25 Lac                                                                                                                  | Above Rs 25 Lac                                                                                                                  | Total                                                                                                                            | Total                                                                                                                            |
|                                                                                                                                  | Number of Guarantees Issued                                                                                                      | Amount of Guarantees Issued (in Rs crore)                                                                                        | Number of Guarantees Issued                                                                                                      | Amount of Guarantees Issued (in Rs crore)                                                                                        | Number of Guarantees Issued                                                                                                      | Amount of Guarantees Issued (in Rs crore)                                                                                        | Number of Guarantees Issued                                                                                                      | Amount of Guarantees Issued (in Rs crore)                                                                                        | Number of Guarantees Issued                                                                                                      | Amount of Guarantees Issued (in Rs crore)                                                                                        |
| Individual Constitution                                                                                                          | 415406                                                                                                                           | 6404.91                                                                                                                          | 43587                                                                                                                            | 2946.23                                                                                                                          | 16359                                                                                                                            | 2481.52                                                                                                                          | 6511                                                                                                                             | 3439.09                                                                                                                          | 481863                                                                                                                           | 15271.75                                                                                                                         |

Issued

| Group of Loan amount   | Upto Rs 5 lac               | Upto Rs 5 lac                             | Above Rs 5 Lac to upto Rs 10 Lac   | Above Rs 5 Lac to upto Rs 10 Lac          | Above Rs 10 Lac to upto Rs 25 Lac   | Above Rs 10 Lac to upto Rs 25 Lac         | Above Rs 25 Lac             | Above Rs 25 Lac                           | Total                       | Total                                     |
|------------------------|-----------------------------|-------------------------------------------|------------------------------------|-------------------------------------------|-------------------------------------|-------------------------------------------|-----------------------------|-------------------------------------------|-----------------------------|-------------------------------------------|
| Entity Wise Data       | Number of Guarantees Issued | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued        | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued         | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued | Amount of Guarantees Issued (in Rs crore) |
| Micro                  | 7854215                     | 22949.44                                  | 100243                             | 7348.75                                   | 58489                               | 9252.15                                   | 31861                       | 19844.38                                  | 8044808                     | 59394.72                                  |
| Small                  | 263923                      | 4507.43                                   | 60290                              | 4398.67                                   | 48332                               | 7880.68                                   | 54334                       | 42873.58                                  | 426879                      | 59660.36                                  |
| Medium                 | 245003                      | 2086.43                                   | 9093                               | 636.24                                    | 6733                                | 1108.55                                   | 17694                       | 29372.02                                  | 278523                      | 33203.24                                  |

(As on 28-02-2021) Source :  NCGTC

## Annexure-II  referred to in reply to part  (a) & (b) of Lok Sabha Starred Question No. 433 for answer on 25.03.2021

## State Wise details of guarantees issued under Emergency Credit Line Guarantee Scheme (ECLGS) as on 28-02-2021

Issued

|                     | Upto Rs 5 lac               | Upto Rs 5 lac                             | Above Rs 5 Lac to upto Rs 10 Lac   | Above Rs 5 Lac to upto Rs 10 Lac          | Above Rs 10 Lac to upto Rs 25 Lac   | Above Rs 10 Lac to upto Rs 25 Lac         | Above Rs 25 Lac             | Above Rs 25 Lac                           | Total                       | Total                                     |
|---------------------|-----------------------------|-------------------------------------------|------------------------------------|-------------------------------------------|-------------------------------------|-------------------------------------------|-----------------------------|-------------------------------------------|-----------------------------|-------------------------------------------|
| State Name          | Number of Guarantees Issued | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued        | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued         | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued | Amount of Guarantees Issued (in Rs crore) | Number of Guarantees Issued | Amount of Guarantees Issued (in Rs crore) |
| ANDAMAN &NICOBAR    | 1672                        | 22.33                                     | 123                                | 9.42                                      | 78                                  | 12.71                                     | 78                          | 50.74                                     | 1951                        | 95.2                                      |
| ANDHRA PRADESH      | 227377                      | 1290.92                                   | 9571                               | 702.96                                    | 6411                                | 1035.12                                   | 5361                        | 4880.57                                   | 248720                      | 7909.57                                   |
| ARUNACHAL PRADESH   | 1971                        | 22.05                                     | 98                                 | 7.37                                      | 47                                  | 7.88                                      | 43                          | 31.52                                     | 2159                        | 68.82                                     |
| ASSAM               | 523723                      | 1125.71                                   | 2418                               | 172.87                                    | 1229                                | 198.19                                    | 1305                        | 965.33                                    | 528675                      | 2462.1                                    |
| BIHAR               | 635256                      | 1694.31                                   | 5144                               | 366.7                                     | 2138                                | 333.78                                    | 1399                        | 1218.81                                   | 643937                      | 3613.6                                    |
| CHANDIGARH          | 4821                        | 51.3                                      | 464                                | 35.44                                     | 440                                 | 72.46                                     | 581                         | 661.44                                    | 6306                        | 820.64                                    |
| CHHATTISGARH        | 126393                      | 647.46                                    | 4470                               | 320.09                                    | 2873                                | 460.29                                    | 2499                        | 2344.69                                   | 136235                      | 3772.53                                   |
| DADRA &NAGAR HAVELI | 1695                        | 16.08                                     | 130                                | 9.07                                      | 77                                  | 12.13                                     | 126                         | 175.16                                    | 2028                        | 212.44                                    |
| DAMAN &DIU          | 633                         | 7.86                                      | 83                                 | 6.53                                      | 77                                  | 12.2                                      | 101                         | 94.82                                     | 894                         | 121.41                                    |
| DELHI               | 67002                       | 704.88                                    | 7005                               | 518.83                                    | 6541                                | 1070.35                                   | 8384                        | 10589.65                                  | 88932                       | 12883.71                                  |
| GOA                 | 10397                       | 86.63                                     | 481                                | 35.69                                     | 348                                 | 55.9                                      | 384                         | 463.27                                    | 11610                       | 641.49                                    |
| GUJARAT             | 239500                      | 1753.89                                   | 17124                              | 1239.4                                    | 14298                               | 2288.27                                   | 14007                       | 14907.83                                  | 284929                      | 20189.39                                  |
| HARYANA             | 131946                      | 1061.73                                   | 9783                               | 717.09                                    | 7101                                | 1138.5                                    | 6540                        | 7013.79                                   | 155370                      | 9931.11                                   |
| HIMACHAL PRADESH    | 43179                       | 367.86                                    | 1380                               | 101.1                                     | 708                                 | 114.4                                     | 770                         | 828.9                                     | 46037                       | 1412.26                                   |
| JAMMU &KASHMIR      | 61281                       | 669.97                                    | 2753                               | 198.51                                    | 1647                                | 258.72                                    | 936                         | 742.6                                     | 66617                       | 1869.8                                    |
| JHARKHAND           | 231901                      | 857.17                                    | 3965                               | 279.81                                    | 1715                                | 269.01                                    | 1260                        | 1110.33                                   | 238841                      | 2516.32                                   |
| KARNATAKA           | 419329                      | 1926.49                                   | 12155                              | 887.87                                    | 8705                                | 1408.03                                   | 8657                        | 9961.55                                   | 448846                      | 14183.94                                  |

## Annexure- II

| KERALA        |   382230 |   1217.39 | 7380   | 552.23   | 5428   | 881.81   | 5007   | 4699.07   |   400045 |    7350.5 |
|---------------|----------|-----------|--------|----------|--------|----------|--------|-----------|----------|-----------|
| LADAKH        |      880 |     10.03 | 36     | 2.55     | 35     | 5.8      | 44     | 24.84     |      995 |     43.22 |
| LAKSHA DEEP   |      368 |      1.79 |        |          |        |          |        |           |      368 |      1.79 |
| MADHYAPRADESH |   356932 |   1650.02 | 8773   | 638.12   | 5457   | 865.84   | 4625   | 4091.04   |   375787 |   7245.02 |
| MAHARASHTRA   |   743553 |   3198.36 | 22041  | 1604.22  | 16957  | 2732.04  | 19535  | 25394.92  |   802086 |  32929.5  |
| MANIPUR       |     9628 |     39.83 | 202    | 14.33    | 92     | 14.35    | 59     | 43.17     |     9981 |    111.68 |
| MEGHALAYA     |    10758 |     49.44 | 164    | 11.87    | 81     | 12.8     | 80     | 78.15     |    11083 |    152.26 |
| MIZORAM       |     3454 |     18.95 | 108    | 8.11     | 53     | 9.01     | 26     | 15.49     |     3641 |     51.56 |
| NAGALAND      |     7031 |     23.68 | 87     | 6.34     | 35     | 5.92     | 34     | 21.16     |     7187 |     57.1  |
| ORISSA        |   840505 |   1492.26 | 7448   | 518.94   | 2996   | 466.11   | 2116   | 1854.77   |   853065 |   4332.08 |
| PONDICHERRY   |    10782 |     51.36 | 412    | 30.37    | 279    | 45.76    | 268    | 219.07    |    11741 |    346.56 |
| PUNJAB        |   168094 |   1053.52 | 9297   | 684.15   | 6110   | 970.97   | 4970   | 4561.87   |   188471 |   7270.51 |
| RAJASTHAN     |   268550 |   1994.59 | 14537  | 1048.73  | 9751   | 1557.37  | 7973   | 6731.61   |   300811 |  11332.3  |
| SIKKIM        |     8152 |     36.56 | 64     | 4.59     | 50     | 7.97     | 41     | 44.47     |     8307 |     93.59 |
| TAMILNADU     |   502518 |   2812.97 | 21782  | 1611.48  | 15588  | 2522.38  | 14996  | 15810.19  |   554884 |  22757    |
| TELANGANA     |   110536 |   1074.06 | 8383   | 606.47   | 5392   | 861.36   | 6034   | 6641.99   |   130345 |   9183.88 |
| TRIPURA       |    60042 |    139.43 | 313    | 22.97    | 157    | 24.66    | 89     | 53.15     |    60601 |    240.21 |
| UTTAR PRADESH |   614957 |   3272    | 15474  | 1131.74  | 9265   | 1486.23  | 8608   | 8192.68   |   648304 |  14082.6  |
| UTTARAKHAND   |    61384 |    411.7  | 1898   | 141.53   | 1285   | 211.05   | 1383   | 1173.63   |    65950 |   1937.91 |
| WEST BENGAL   |  1861047 |   3230.41 | 9078   | 652.62   | 5236   | 837.45   | 6352   | 7581.94   |  1881713 |  12302.4  |
| Total         |  8749477 |  34085    | 204624 | 14900.11 | 138680 | 22266.82 | 134671 | 143274.21 |  9227452 | 214526    |