Lok Sabha Question No. 776 (UNSTARRED), answered on 2021-12-02
Subject: Credit Guarantee Scheme
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: P.P. Chaudhary, Krishna Pal Singh Yadav, Rajbahadur Singh, Pratap Chandra Sarangi

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 776

TO BE ANSWERED ON 02.12.2021

## CREDIT GUARANTEE SCHEME

776.

SHRI P.P. CHAUDHARY: SHRI PRATAP CHANDRA SARANGI: DR. KRISHNA PAL SINGH YADAV: SHRI RAJBAHADUR SINGH:

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

- (a) the aims, objectives, expected outcomes and the funds allocated for the Credit Guarantee Scheme for Sub-ordinate Debt;
- (b) the details of beneficiaries, since implementation of the scheme; State/year-wise; and
- (c) whether the Government is taking necessary steps to increase uptake of the scheme and if so, the details thereof;?

## ANSWER

## MINISTER OF MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI NARAYAN RANE)

- (a): Under Atma Nirbhar Bharat Package, the Government launched the Credit Guarantee Scheme for  Sub-ordinate Debt in 2020 with a view to  provide credit facility to  the promoters of stressed MSMEs viz. SMA-2 and NPA accounts who are eligible for restructuring as per RBI guidelines on the books of the lending institutions. Under the scheme, the promoter would infuse the credit in the MSME as quasi equity or sub-debt. The approved outlay for the scheme is Rs.4,000 crore.
- (b): The state-wise details of beneficiaries are given in the Annexure.
- (c): In order to increase the off-take of the scheme, the Government has taken several measures which  inter-alia  include  measures  such  as  (i)  extending  the  validity  of  the  scheme  till  March  31, 2022; (ii) holding a series of consultations with the stake holders; (iii) clarifications issued in some of the  operational  guidelines  of  the  scheme;  and  (iv)  organising  workshops  for  training  of  Bank officials,  etc.

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| Annexure                                                                                      | Annexure                                                                                      | Annexure                                                                                      | Annexure                                                                                      | Annexure                                                                                      | Annexure                                                                                      |
|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|
| Date: 02.12.2021 CGSSD Guarantee Approved Data for FY 2020-21 and 2021-22 (up to 31.10.2021 ) | Date: 02.12.2021 CGSSD Guarantee Approved Data for FY 2020-21 and 2021-22 (up to 31.10.2021 ) | Date: 02.12.2021 CGSSD Guarantee Approved Data for FY 2020-21 and 2021-22 (up to 31.10.2021 ) | Date: 02.12.2021 CGSSD Guarantee Approved Data for FY 2020-21 and 2021-22 (up to 31.10.2021 ) | Date: 02.12.2021 CGSSD Guarantee Approved Data for FY 2020-21 and 2021-22 (up to 31.10.2021 ) | Date: 02.12.2021 CGSSD Guarantee Approved Data for FY 2020-21 and 2021-22 (up to 31.10.2021 ) |
| Sr. No                                                                                        | States/UTs                                                                                    | FY Nos. of Guarantees                                                                         | 2020-21 Approved Amt                                                                          | FY 2021-22 (As Nos. of Guarantees                                                             | on 31.10.2021) Approved Amt (in Rs. Cr)                                                       |
| 1                                                                                             | ANDAMAN &NICOBAR                                                                              | 0                                                                                             | 0.00                                                                                          | 1                                                                                             | 0.04                                                                                          |
| 2                                                                                             | ANDHRA PRADESH                                                                                | 20                                                                                            | 3.69                                                                                          | 10                                                                                            | 0.49                                                                                          |
| 3                                                                                             | ARUNACHAL PRADESH                                                                             | 1                                                                                             | 0.36                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 4                                                                                             | ASSAM                                                                                         | 8                                                                                             | 1.23                                                                                          | 1                                                                                             | 0.02                                                                                          |
| 5                                                                                             | BIHAR                                                                                         | 15                                                                                            | 0.37                                                                                          | 2                                                                                             | 0.11                                                                                          |
| 6                                                                                             | CHANDIGARH                                                                                    | 4                                                                                             | 0.22                                                                                          | 3                                                                                             | 0.37                                                                                          |
| 7                                                                                             | CHHATTISGARH                                                                                  | 10                                                                                            | 0.53                                                                                          | 1                                                                                             | 0.02                                                                                          |
| 8                                                                                             | DADRA&NAGAR HAVELI                                                                            | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 9                                                                                             | DAMAN &DIU                                                                                    | 2                                                                                             | 0.14                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 10.                                                                                           | DELHI                                                                                         | 11                                                                                            | 1.15                                                                                          | 10                                                                                            | 2.25                                                                                          |
| 11.                                                                                           | GOA                                                                                           | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 12.                                                                                           | GUJARAT                                                                                       | 12                                                                                            | 0.87                                                                                          | 12                                                                                            | 1.54                                                                                          |
| 13.                                                                                           | HARYANA                                                                                       | 4                                                                                             | 0.23                                                                                          | 2                                                                                             | 0.71                                                                                          |
| 14.                                                                                           | HIMACHAL PRADESH                                                                              | 10                                                                                            | 1.03                                                                                          | 8                                                                                             | 0.47                                                                                          |
| 15.                                                                                           | JAMMU &KASHMIR                                                                                | 18                                                                                            | 1.12                                                                                          | 8                                                                                             | 0.31                                                                                          |
| 16.                                                                                           | JHARKHAND                                                                                     | 6                                                                                             | 0.20                                                                                          | 15                                                                                            | 1.47                                                                                          |
| 17.                                                                                           | KARNATAKA                                                                                     | 32                                                                                            | 6.50                                                                                          | 15                                                                                            | 2.29                                                                                          |
| 18.                                                                                           | KERALA                                                                                        | 10                                                                                            | 2.21                                                                                          | 17                                                                                            | 1.63                                                                                          |
| 19                                                                                            | LADAKH                                                                                        | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 20                                                                                            | LAKSHADWEEP                                                                                   | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 21                                                                                            | MADHYA PRADESH                                                                                | 35                                                                                            | 3.55                                                                                          | 7                                                                                             | 0.12                                                                                          |
| 22                                                                                            | MAHARASHTRA                                                                                   | 46                                                                                            | 6.15                                                                                          | 33                                                                                            | 3.80                                                                                          |
| 23                                                                                            | MANIPUR                                                                                       | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 24                                                                                            | MEGHALAYA                                                                                     | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 25                                                                                            | MIZORAM                                                                                       | 2                                                                                             | 0.01                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 26                                                                                            | NAGALAND                                                                                      | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 27                                                                                            | ODISHA                                                                                        | 23                                                                                            | 0.84                                                                                          | 16                                                                                            | 0.58                                                                                          |
| 28                                                                                            | PUDUCHERRY                                                                                    | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 29                                                                                            | PUNJAB                                                                                        | 46                                                                                            | 5.81                                                                                          | 32                                                                                            | 2.29                                                                                          |
| 30                                                                                            | RAJASTHAN                                                                                     | 4                                                                                             | 0.93                                                                                          | 24                                                                                            | 0.84                                                                                          |
| 31                                                                                            | SIKKIM                                                                                        | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 32                                                                                            | TAMILNADU                                                                                     | 74                                                                                            | 9.10                                                                                          | 14                                                                                            | 1.92                                                                                          |
| 33                                                                                            | TELANGANA                                                                                     | 26                                                                                            | 3.45                                                                                          | 5                                                                                             | 1.02                                                                                          |
| 34                                                                                            | TRIPURA                                                                                       | 0                                                                                             | 0.00                                                                                          | 0                                                                                             | 0.00                                                                                          |
| 35                                                                                            | UTTAR                                                                                         | 37                                                                                            |                                                                                               | 24                                                                                            |                                                                                               |
| 36                                                                                            | PRADESH UTTARAKHAND                                                                           | 2                                                                                             | 3.81 0.22                                                                                     | 11                                                                                            | 2.11 1.28                                                                                     |
| 37                                                                                            | WEST BENGAL                                                                                   | 15                                                                                            | 1.62                                                                                          | 10                                                                                            | 0.44                                                                                          |
| TOTAL 473 55.33 281                                                                           | TOTAL 473 55.33 281                                                                           | TOTAL 473 55.33 281                                                                           | TOTAL 473 55.33 281                                                                           | TOTAL 473 55.33 281                                                                           |                                                                                               |