Lok Sabha Question No. 5405 (UNSTARRED), answered on 2019-07-25
Subject: Credit Guarantee Fund Trust for MSMEs
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Unmesh Bhaiyyasaheb Patil, Sujay Radhakrishna Vikhepatil, Pushpendra Singh Chandel

- (a): Yes, Sir.
- (b): Credit Guarantee Scheme for Micro and Small Enterprises is implemented by Credit Guarantee Fund  Trust  for  Micro  and  Small  Enterprises  (CGTMSE)  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 amounts sanctioned and released to CGTMSE under the scheme for last three years are as below:

|   S.No. | Financial Year   |   Rs. in Crore |
|---------|------------------|----------------|
|       1 | 2016-17          |         715.68 |
|       2 | 2017-18          |        3002    |
|       3 | 2018-19          |         744.94 |

The details of beneficiaries during the last three years State/UT-wise are enclosed in Annexure.

- (c): There is no other Credit Guarantee Scheme of the Ministry of MSME.
- (d): CGTMSE  has  introduced  a  new  'Hybrid  Security  Product'  wherein  the  Banks  /  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.
- (e): The schemes of Ministry of MSME are implemented across the country including Bundelkhand area.

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

## LOK SABHA

## UNSTARRED QUESTION NO. 5405 TO BE ANSWERED ON: 25.07.2019

## CREDIT GUARANTEE FUND TRUST FOR MSMEs

5405.  SHRI UNMESH BHAIYYASAHEB PATIL: DR. SUJAY RADHAKRISHNA VIKHE PATIL: SHRI KUNWAR PUSHPENDRA SINGH CHANDEL:

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

- (a) whether  the  Government  has,  in  collaboration  with  SIDBI,  launched  Credit  Guarantee  Fund Trust  for  Micro,  Small  and  Medium  Enterprises  (MSMEs)  for  the  benefit  of  Micro  and  Small Enterprises;
- (b) if  so,  the  details  and  salient  features  thereof  along  with  the  funds  sanctioned and  utilised  and number of persons benefited therefrom during the last three years, State/UT-wise;
- (c) the details of other such credit guarantee schemes and programmes available with the banks for micro and small entrepreneurs;
- (d) whether any collaterals have to be provided for availing benefits of such schemes and if so, the details thereof; and
- (e) the initiatives taken by the Government to assist the MSMEs in economically backward areas including Bundelkhand?

## ANSWER

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

## Annexure

Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 5405 for answer on 25.07.2019.

## CGTMSE Data for last three years

|        |                  | 01/4/2016 to 31/03/2017   | 01/4/2016 to 31/03/2017   | 01/4/2017 to 31/03/2018   | 01/4/2017 to 31/03/2018   | 01/4/2018 to 31/03/2019   | 01/4/2018 to 31/03/2019   |
|--------|------------------|---------------------------|---------------------------|---------------------------|---------------------------|---------------------------|---------------------------|
| Sl No. | State            | Proposals                 | Amount (in Lakh)          | Proposals                 | Amount (in Lakh)          | Proposals                 | Amount (in Lakh)          |
| 1      | ANDAMAN&         | 393                       | 2288.63                   | 302                       | 2478.33                   | 332                       | 3010.01                   |
| 2      | ANDHRA PRADESH   | 13911                     | 38550.77                  | 10141                     | 34166.69                  | 29812                     | 97940.75                  |
| 3      | ARUNACHAL        | 824                       | 3653.56                   | 400                       | 2937.09                   | 347                       | 2427.61                   |
| 4      | ASSAM            | 10934                     | 42725.43                  | 7165                      | 46752.81                  | 12978                     | 79268.80                  |
| 5      | BIHAR            | 16397                     | 67168.32                  | 10572                     | 52828                     | 18464                     | 129592.46                 |
| 6      | CHANDIGARH       | 1307                      | 6533.43                   | 549                       | 6242.41                   | 7752                      | 33530.80                  |
| 7      | CHHATTISGARH     | 6716                      | 23573.37                  | 3043                      | 32280.03                  | 5252                      | 49729.90                  |
| 8      | DADRA&NAGAR      | 67                        | 1414.64                   | 101                       | 3403.22                   | 111                       | 2468.78                   |
| 9      | DAMAN &DIU       | 60                        | 1025.71                   | 38                        | 789.05                    | 73                        | 2714.21                   |
| 10     | DELHI            | 8680                      | 63963.06                  | 4071                      | 61780.22                  | 13615                     | 135009.32                 |
| 11     | GOA              | 2036                      | 11603.38                  | 1216                      | 11118.82                  | 1353                      | 12021.80                  |
| 12     | GUJARAT          | 15985                     | 115046.56                 | 9640                      | 152585.14                 | 21423                     | 210413.86                 |
| 13     | HARYANA          | 7108                      | 44793.16                  | 4185                      | 48742.43                  | 5179                      | 62891.87                  |
| 14     | HIMACHAL PRADESH | 6684                      | 26286.55                  | 3313                      | 21036.43                  | 2682                      | 20968.72                  |
| 15     | JAMMU &KASHMIR   | 5557                      | 15733.11                  | 11538                     | 25983.98                  | 11724                     | 34832.79                  |
| 16     | JHARKHAND        | 15106                     | 92006.12                  | 10007                     | 94259.38                  | 11281                     | 124452.00                 |
| 17     | KARNATAKA        | 46229                     | 227845.08                 | 20845                     | 196776.76                 | 27796                     | 249655.36                 |
| 18     | KERALA           | 38194                     | 97313.01                  | 17816                     | 57207.31                  | 17189                     | 85175.41                  |
| 19     | LAKSHA DEEP      | 62                        | 107.52                    | 11                        | 28.22                     | 15                        | 60.04                     |
| 20     | MADHYA PRADESH   | 20479                     | 103899.71                 | 18766                     | 116921.12                 | 26325                     | 157292.44                 |
| 21     | MAHARASHTRA      | 52623                     | 283494.9                  | 20223                     | 238633.59                 | 41206                     | 371819.81                 |
| 22     | MANIPUR          | 878                       | 3338.81                   | 952                       | 5295.09                   | 1419                      | 4388.78                   |
| 23     | MEGHALAYA        | 1068                      | 4277.82                   | 866                       | 4573.07                   | 515                       | 4453.89                   |
| 24     | MIZORAM          | 545                       | 2725.69                   | 355                       | 1872.62                   | 267                       | 2309.38                   |
| 25     | NAGALAND         | 1432                      | 4786.24                   | 1226                      | 5260.55                   | 1003                      | 3961.60                   |
| 26     | ORISSA           | 18950                     | 79508.54                  | 12310                     | 73814.3                   | 19266                     | 121341.35                 |
| 27     | PONDICHERRY      | 979                       | 2354.18                   | 611                       | 2790.88                   | 489                       | 3780.72                   |
| 28     | PUNJAB           | 11916                     | 42757.49                  | 7029                      | 46570.08                  | 6850                      | 55955.76                  |
| 29     | RAJASTHAN        | 13401                     | 52984.23                  | 4838                      | 43740.77                  | 20013                     | 114828.99                 |
| 30     | SIKKIM           | 292                       | 1467.19                   | 167                       | 1054.06                   | 280                       | 2493.88                   |
| 31     | TAMILNADU        | 49000                     | 185823.62                 | 30282                     | 178410.86                 | 37692                     | 254301.15                 |
| 32     | TELANGANA        | 13692                     | 63220.21                  | 6343                      | 55814.23                  | 17037                     | 102141.47                 |
| 33     | TRIPURA          | 866                       | 3043.61                   | 843                       | 3187.56                   | 455                       | 2422.38                   |
| 34     | UTTAR PRADESH    | 48954                     | 168528.05                 | 29266                     | 166676.03                 | 49983                     | 286294.52                 |
| 35     | UTTARAKHAND      | 6000                      | 26726.48                  | 3630                      | 24147.59                  | 4693                      | 31832.82                  |
| 36     | WEST BENGAL      | 14802                     | 82580.72                  | 10535                     | 86431.59                  | 20649                     | 161073.74                 |
|        | Total            | 452127                    | 1993148.9                 | 263195                    | 1906590.31                | 435520                    | 3016857.17                |