Lok Sabha Question No. 4710 (UNSTARRED), answered on 2022-03-31
Subject: Loans to MSMEs
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Pushpendra Singh Chandel

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

## LOK SABHA

## UNSTARRED QUESTION NO. 4710

TO BE ANSWERED ON 31.03.2022

## LOANS TO MSMEs

## 4710. SHRI KUNWAR PUSHPENDRA SINGH CHANDEL:

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

- (a) the details of the loans provided to Micro, Small and Medium Enterprises (MSMEs) during the last two years, State-wise;
- (b) whether the Government has assessed the changes taken place in MSMEs during economic reforms made by the Government; and
- (c) if so, the details thereof, State-wise including Bundelkhand region?

## ANSWER

## MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI BHANU PRATAP SINGH VERMA)

- (a): As  informed  by  Reserve  Bank  of  India,  the  details  of  the  State-wise  credit  outstanding  to Micro, Small and Medium Enterprise (MSME) Sector by Scheduled Commercial Banks during the last two years, is at Annexure I.
- (b) & (c): The  Government  has  not  assessed  the  changes  taken  place  in  MSMEs  during economic reforms. However, one of the objectives  of the Expert Committee on Micro, Small and Medium  Enterprises,  constituted by  Reserve Bank  of India in December,  2018,  under  the chairmanship  of  Shri  U.K.  Sinha  was  to  study  the  impact  of  the  recent  economic  reforms  on  the sector and identify the structural problems affecting the growth of MSMEs in India (which includes all  States  and  also  Bundelkhand  region).  The  Committee  had  stated  that  the  services  sector  has gained greater importance within Gross Domestic Product (GDP); MSMEs in services have increased in number and range of activities; formalisation of MSMEs has increased; value chains have become longer;  payment  systems  have  become  electronic  and  alternate  data  is  being  used  for  lending decisions.

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## Annexure referred to in reply to part (a) of the Lok Sabha Unstarred Question No. 4710 to be answered on 31.03.2022

State-wise Credit outstanding to MSME Sector by Scheduled Commercial Banks

## A. FY 2020-21

(No. of Accounts in Lakh, Amount outstanding in ₹ Crore)

| Sr. No.   | State Name          | Micro Enterprises   | Micro Enterprises   | Small Enterprises   | Small Enterprises   | Medium      | Medium      | MSME        | MSME         |
|-----------|---------------------|---------------------|---------------------|---------------------|---------------------|-------------|-------------|-------------|--------------|
| Sr. No.   | State Name          | No. of A/cs         | Credit O/s          | No. of A/cs         | Credit O/s          | No. of A/cs | Credit O/s  | No. of A/cs | Credit O/s   |
| 1         | Andaman &Nicobar    | 0.06                | 370.56              | 0.02                | 336.94              | 0.00        | 79.08       | 0.08        | 786.59       |
| 2         | Andhra Pradesh      | 12.38               | 28,664.65           | 1.08                | 23,633.51           | 0.34        | 10,580.63   | 13.80       | 62,878.79    |
| 3         | Arunachal Pradesh   | 0.16                | 461.87              | 0.02                | 403.97              | 0.00        | 41.12       | 0.18        | 906.96       |
| 4         | Assam               | 17.29               | 14,034.78           | 0.54                | 6,919.79            | 0.03        | 1,744.14    | 17.86       | 22,698.71    |
| 5         | Bihar               | 24.34               | 22,235.65           | 0.79                | 8,960.23            | 0.04        | 2,108.04    | 25.16       | 33,303.92    |
| 6         | Chandigarh          | 0.40                | 3,415.15            | 0.09                | 4,111.05            | 0.02        | 2,203.27    | 0.51        | 9,729.48     |
| 7         | Chhattisgarh        | 6.91                | 11,362.16           | 0.44                | 9,735.57            | 0.07        | 4,891.16    | 7.42        | 25,988.89    |
| 8         | Dadra &Nagar Haveli | 0.09                | 479.87              | 0.01                | 518.29              | 0.00        | 188.48      | 0.11        | 1,186.64     |
| 9         | Daman &Diu          | 0.02                | 121.74              | 0.01                | 159.48              | 0.00        | 80.59       | 0.03        | 361.80       |
| 10        | Delhi               | 6.40                | 33,500.76           | 1.49                | 43,802.34           | 0.25        | 31,493.30   | 8.14        | 1,08,796.40  |
| 11        | Goa                 | 0.77                | 2,732.06            | 0.08                | 2,010.90            | 0.01        | 835.68      | 0.87        | 5,578.65     |
| 12        | Gujarat             | 12.63               | 56,667.67           | 1.69                | 60,195.39           | 0.31        | 30,009.70   | 14.63       | 1,46,872.76  |
| 13        | Haryana             | 7.42                | 25,827.18           | 1.01                | 25,432.33           | 0.21        | 11,198.16   | 8.64        | 62,457.67    |
| 14        | Himachal Pradesh    | 1.54                | 4,451.91            | 0.28                | 4,210.93            | 0.02        | 1,167.25    | 1.83        | 9,830.08     |
| 15        | Jammu &Kashmir      | 3.58                | 10,599.24           | 0.30                | 4,881.60            | 0.01        | 873.37      | 3.90        | 16,354.21    |
| 16        | Jharkhand           | 13.00               | 13,709.66           | 0.43                | 7,675.89            | 0.05        | 2,454.01    | 13.49       | 23,839.56    |
| 17        | Karnataka           | 22.69               | 43,596.12           | 1.45                | 41,239.04           | 0.18        | 21,172.43   | 24.32       | 1,06,007.59  |
| 18        | Kerala              | 14.43               | 27,947.51           | 0.91                | 24,357.21           | 0.11        | 7,896.09    | 15.46       | 60,200.80    |
| 19        | Lakshadweep         | 0.01                | 19.75               | 0.00                | 2.70                | 0.00        | 0.20        | 0.02        | 22.65        |
| 20        | Madhya Pradesh      | 22.40               | 33,899.48           | 1.16                | 21,927.15           | 0.12        | 7,182.45    | 23.68       | 63,009.09    |
| 21        | Maharashtra         | 35.97               | 1,78,041.61         | 3.32                | 1,15,423.27         | 0.66        | 59,429.93   | 39.94       | 3,52,894.81  |
| 22        | Manipur             | 0.84                | 745.09              | 0.05                | 361.66              | 0.00        | 47.05       | 0.89        | 1,153.81     |
| 23        | Meghalaya           | 0.50                | 655.60              | 0.03                | 436.33              | 0.00        | 145.92      | 0.53        | 1,237.84     |
| 24        | Mizoram             | 0.27                | 344.41              | 0.02                | 333.35              | 0.00        | 19.38       | 0.29        | 697.14       |
| 25        | Nagaland            | 0.42                | 590.33              | 0.02                | 249.77              | 0.00        | 23.49       | 0.44        | 863.59       |
| 26        | Odisha              | 19.70               | 19,741.23           | 1.09                | 12,727.72           | 0.10        | 3,842.16    | 20.89       | 36,311.11    |
| 27        | Puducherry          | 0.99                | 1,528.91            | 0.15                | 1,333.93            | 0.04        | 329.60      | 1.17        | 3,192.45     |
| 28        | Punjab              | 8.68                | 25,944.12           | 0.93                | 22,875.56           | 0.10        | 10,453.00   | 9.71        | 59,272.69    |
| 29        | Rajasthan           | 14.61               | 31,584.86           | 1.48                | 33,304.63           | 0.19        | 11,239.82   | 16.27       | 76,129.31    |
| 30        | Sikkim              | 0.31                | 438.80              | 0.02                | 314.77              | 0.00        | 59.46       | 0.33        | 813.04       |
| 31        | Tamil Nadu          | 29.80               | 77,649.68           | 3.41                | 80,065.56           | 1.00        | 33,635.43   | 34.21       | 1,91,350.67  |
| 32        | Telangana           | 8.60                | 25,244.42           | 0.98                | 26,880.59           | 0.21        | 14,209.65   | 9.79        | 66,334.66    |
| 33        | Tripura             | 2.97                | 2,418.38            | 0.08                | 652.55              | 0.00        | 45.76       | 3.05        | 3,116.69     |
| 34        | Uttarakhand         | 10.01               | 14,350.71           | 0.40                | 11,409.06           | 0.02        | 2,991.64    | 10.43       | 28,751.41    |
| 35        | Uttar Pradesh       | 27.56               | 58,710.70           | 1.81                | 33,744.60           | 0.20        | 12,759.86   | 29.58       | 1,05,215.15  |
| 36        | West Bengal         | 60.16               | 48,941.14           | 2.22                | 32,370.82           | 0.15        | 14,467.23   | 62.53       | 95,779.19    |
|           | Total               | 387.93              | 8,21,027.77         | 27.82               | 6,62,998.50         | 4.44        | 2,99,898.53 | 420.19      | 17,83,924.80 |

Source : RBI

## B. FY 2019-20

(No. of Accounts in Lakh, Amount outstanding in ₹ Crore)

| Sr. No.   | State Name          | Micro Enterprises   | Micro Enterprises   | Small Enterprises   | Small Enterprises   | Medium      | Medium      | MSME        | MSME         |
|-----------|---------------------|---------------------|---------------------|---------------------|---------------------|-------------|-------------|-------------|--------------|
| Sr. No.   | State Name          | No. of A/cs         | Credit O/s          | No. of A/cs         | Credit O/s          | No. of A/cs | Credit O/s  | No. of A/cs | Credit O/s   |
| 1         | Andaman &Nicobar    | 0.06                | 351.47              | 0.01                | 317.55              | 0.00        | 49.91       | 0.07        | 718.93       |
| 2         | Andhra Pradesh      | 9.11                | 25,911.34           | 0.98                | 24,267.05           | 0.21        | 7,055.95    | 10.30       | 5,7234.34    |
| 3         | Arunachal Pradesh   | 0.14                | 339.02              | 0.02                | 433.15              | 0.00        | 40.05       | 0.16        | 812.22       |
| 4         | Assam               | 13.99               | 12,099.97           | 0.55                | 7,064.46            | 0.02        | 1,095.12    | 14.56       | 20,259.55    |
| 5         | Bihar               | 22.17               | 19,548.47           | 0.73                | 8,759.30            | 0.03        | 1,476.79    | 22.93       | 29,784.55    |
| 6         | Chandigarh          | 0.56                | 3,365.38            | 0.11                | 4,726.17            | 0.01        | 2,982.92    | 0.69        | 11,074.47    |
| 7         | Chhattisgarh        | 6.55                | 10,195.98           | 0.44                | 9,573.99            | 0.06        | 3,337.38    | 7.04        | 23,107.35    |
| 8         | Dadra &Nagar Haveli | 0.08                | 255.73              | 0.02                | 380.50              | 0.00        | 127.97      | 0.09        | 764.20       |
| 9         | Daman &Diu          | 0.02                | 138.18              | 0.01                | 304.58              | 0.00        | 99.98       | 0.04        | 542.75       |
| 10        | Delhi               | 4.16                | 37,768.24           | 1.20                | 49,762.92           | 0.19        | 20,605.55   | 5.54        | 1,08,136.70  |
| 11        | Goa                 | 0.72                | 1,849.84            | 0.10                | 1,932.73            | 0.01        | 1,020.41    | 0.82        | 4,802.98     |
| 12        | Gujarat             | 12.15               | 57,135.86           | 1.96                | 55,626.79           | 0.24        | 16,145.44   | 14.36       | 1,28,908.09  |
| 13        | Haryana             | 6.91                | 24,059.93           | 1.10                | 24,510.09           | 0.14        | 7,342.03    | 8.14        | 55,912.05    |
| 14        | Himachal Pradesh    | 1.16                | 3,754.60            | 0.25                | 3,492.35            | 0.01        | 721.12      | 1.42        | 7,968.07     |
| 15        | Jammu &Kashmir      | 2.83                | 9,288.66            | 0.27                | 4,656.46            | 0.01        | 711.15      | 3.11        | 14,656.28    |
| 16        | Jharkhand           | 11.52               | 11,221.92           | 0.49                | 8,126.83            | 0.04        | 2,011.82    | 12.05       | 21,360.57    |
| 17        | Karnataka           | 22.80               | 41,762.78           | 1.42                | 37,901.37           | 0.14        | 11,189.23   | 24.35       | 90,853.38    |
| 18        | Kerala              | 12.99               | 26,741.89           | 0.95                | 25,787.78           | 0.13        | 7,127.40    | 14.06       | 59,657.07    |
| 19        | Lakshadweep         | 0.01                | 18.44               | 0.00                | 1.72                | 0.00        | 0.00        | 0.01        | 20.16        |
| 20        | Madhya Pradesh      | 20.47               | 30,498.09           | 1.13                | 22,001.52           | 0.10        | 4,767.12    | 21.70       | 57,266.73    |
| 21        | Maharashtra         | 34.65               | 1,43,682.25         | 3.36                | 1,14,224.13         | 0.53        | 45,764.48   | 38.54       | 3,03,670.86  |
| 22        | Manipur             | 0.74                | 629.92              | 0.05                | 378.62              | 0.00        | 57.61       | 0.79        | 1,066.15     |
| 23        | Meghalaya           | 0.43                | 570.29              | 0.03                | 463.21              | 0.00        | 97.13       | 0.46        | 1,130.63     |
| 24        | Mizoram             | 0.23                | 281.21              | 0.02                | 308.55              | 0.00        | 15.99       | 0.24        | 605.75       |
| 25        | Nagaland            | 0.37                | 497.51              | 0.01                | 257.54              | 0.00        | 20.05       | 0.39        | 775.10       |
| 26        | Odisha              | 18.43               | 16,536.88           | 0.99                | 14,169.34           | 0.07        | 3,277.39    | 19.49       | 33,983.61    |
| 27        | Puducherry          | 1.34                | 1,390.58            | 0.12                | 1,422.73            | 0.02        | 238.65      | 1.48        | 3,051.96     |
| 28        | Punjab              | 8.38                | 25,618.33           | 0.99                | 22,553.88           | 0.08        | 5,240.21    | 9.45        | 53,412.42    |
| 29        | Rajasthan           | 12.48               | 26,408.09           | 1.56                | 30,902.61           | 0.14        | 6,100.44    | 14.18       | 63,411.14    |
| 30        | Sikkim              | 0.24                | 326.80              | 0.02                | 344.14              | 0.00        | 229.56      | 0.26        | 900.51       |
| 31        | Tamil Nadu          | 38.82               | 77,041.11           | 3.67                | 83,198.62           | 0.91        | 21,395.25   | 43.41       | 1,81,634.98  |
| 32        | Telangana           | 5.23                | 24,297.45           | 1.01                | 29,038.74           | 0.15        | 8,682.60    | 6.39        | 62,018.79    |
| 33        | Tripura             | 2.15                | 1,960.23            | 0.08                | 685.79              | 0.00        | 43.26       | 2.23        | 2,689.29     |
| 34        | Uttarakhand         | 4.33                | 15,856.54           | 0.55                | 14,078.03           | 0.03        | 3,727.80    | 4.91        | 33,662.37    |
| 35        | Uttar Pradesh       | 26.64               | 49,095.93           | 1.55                | 32,502.13           | 0.14        | 7,135.10    | 28.33       | 88,733.16    |
| 36        | West Bengal         | 50.16               | 45,544.76           | 1.88                | 33,579.53           | 0.12        | 9,870.73    | 52.17       | 88,995.02    |
|           | Total               | 353.02              | 7,46,043.67         | 27.62               | 6,67,734.90         | 3.54        | 1,99,803.60 | 384.18      | 16,13,582.17 |

Source : RBI