Lok Sabha Question No. 1361 (UNSTARRED), answered on 2023-02-09
Subject: Financial Problem faced by MSME Sector
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Pratima Mondal

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 1361 TO BE ANSWERED ON 09.02.2023

## FINANCIAL PROBLEM FACED BY MSME SECTOR

## 1361.                   SHRIMATI PRATIMA MONDAL:

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

- (a) the steps taken by the Government to solve the financing problem faced by the MSME sector;
- (b) the share of women entrepreneurs in the MSME sector during the last three years, State-wise;
- (c) the status of loan repayment by the MSME sector in all the public sector banks during the last three years, bank-wise; and
- (d) the steps taken by the Government to increase the consumer spending on products of MSME sector?

## ANSWER

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

- (a)  & (d): Micro, Small and Medium Enterprises in the country are being supported by way of various credit schemes. Some of the major schemes are as under:
- (i) Emergency Credit Line Guarantee Scheme (ECLGS): Rs. 5 lakh crore Emergency Credit Line Guarantee Scheme (ECLGS), for businesses, including MSMEs was announced as a part of Aatma Nirbhar Bharat Package with initial guarantee coverage of Rs. 3 lakh crore on 13.05.2020 with validity of scheme up to 30.11.2020. Subsequently, this was extended with infusion of Rs. 1.5 lakh crore on 29.09.2021 with validity of scheme up to 31.03.2022 and with infusion of Rs. 50,000  crore  on  01.02.2022  with  validity  of  scheme  up  to  31.03.2023.  1.19  crore  number  of guarantees have been issued to businesses, including MSMEs, amounting to Rs. 3.60 lakh crore. Out of the total, 1.13 crore guarantees amounting to Rs. 2.38 lakh crore have been provided to MSMEs.
- (ii) Self Reliant India (SRI) Fund: Rs. 50,000 crore equity infusion through Self Reliant India Fund. This scheme has a provision of Rs.10,000 crore from Government of India and Rs.40,000 crore leverage through Private Equity / Venture Capital funds. This initiative is aimed at providing growth  capital  to  the  deserving  and  eligible  units  of  MSME  sector.  As  on  31.12.2022,  34 Daughter Funds have been empanelled with the special purpose vehicle, NSIC Venture Capital Fund Limited and by way of investing of Rs. 2,790 crore, 140 MSMEs have been assisted.
- (iii) Credit Guarantee Scheme (CGS): Ministry of MSME is implementing Credit Guarantee Scheme for Micro & Small Enterprises through Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE), under this scheme upto 85% guarantee coverage is extended for credit facility upto Rs. 200 lakh. Budget 2023-24 has announced the infusion of Rs.9,000 crore in the corpus of CGTMSE  to enable an additional credit of Rs. 2 lakh crore with reduced cost of the credit.
- (c): As per Udyam Registration Portal, the share of women entrepreneurs in the MSME sector during the last three years state-wise data are at Annexure - I A to I C.
- (d): As reported by RBI, Bank wise status of outstanding credit in the MSME sector in all the public sector banks during the last three years, are at Annexure II.

****

| Sl. No   | State Name                      | TotalMSME Registered   | Total Women Owned MSMERegistered   |   Percentage (%) |
|----------|---------------------------------|------------------------|------------------------------------|------------------|
| 1        | ANDHRA PRADESH                  | 65,290                 | 12,850                             |            19.68 |
| 2        | ARUNACHAL PRADESH               | 726                    | 160                                |            22.04 |
| 3        | ASSAM                           | 17,181                 | 2,911                              |            16.94 |
| 4        | BIHAR                           | 90,167                 | 14,505                             |            16.09 |
| 5        | CHHATTISGARH                    | 33,068                 | 4,190                              |            12.67 |
| 6        | GOA                             | 6,053                  | 1,123                              |            18.55 |
| 7        | GUJARAT                         | 2,47,810               | 37,549                             |            15.15 |
| 8        | HARYANA                         | 1,03,096               | 12,585                             |            12.21 |
| 9        | HIMACHAL PRADESH                | 12,821                 | 1,892                              |            14.76 |
| 10       | JHARKHAND                       | 43,105                 | 5,818                              |            13.5  |
| 11       | KARNATAKA                       | 1,52,550               | 29,800                             |            19.53 |
| 12       | KERALA                          | 72,053                 | 14,740                             |            20.46 |
| 13       | MADHYAPRADESH                   | 1,11,837               | 14,335                             |            12.82 |
| 14       | MAHARASHTRA                     | 6,49,383               | 1,23,448                           |            19.01 |
| 15       | MANIPUR                         | 10,420                 | 4,037                              |            38.74 |
| 16       | MEGHALAYA                       | 697                    | 197                                |            28.26 |
| 17       | MIZORAM                         | 1,120                  | 421                                |            37.59 |
| 18       | NAGALAND                        | 716                    | 195                                |            27.23 |
| 19       | ODISHA                          | 49,496                 | 7,846                              |            15.85 |
| 20       | PUNJAB                          | 1,00,788               | 13,560                             |            13.45 |
| 21       | RAJASTHAN                       | 2,35,989               | 29,514                             |            12.51 |
| 22       | SIKKIM                          | 347                    | 87                                 |            25.07 |
| 23       | TAMIL NADU                      | 3,12,631               | 70,550                             |            22.57 |
| 24       | TELANGANA                       | 97,949                 | 23,211                             |            23.7  |
| 25       | TRIPURA                         | 1,685                  | 227                                |            13.47 |
| 26       | UTTAR PRADESH                   | 2,17,839               | 30,624                             |            14.06 |
| 27       | UTTARAKHAND                     | 22,651                 | 4,149                              |            18.32 |
| 28       | WEST BENGAL                     | 63,721                 | 9,423                              |            14.79 |
| 29       | ANDAMANANDNICOBAR ISLANDS       | 1,822                  | 462                                |            25.36 |
| 30       | CHANDIGARH                      | 5,746                  | 822                                |            14.31 |
| 31       | DADAR &NAGARHAVELI andDAMAN&DIU | 3,092                  | 454                                |            14.68 |
| 32       | DELHI                           | 89,685                 | 13,467                             |            15.02 |
| 33       | JAMMU AND KASHMIR               | 26,459                 | 3,006                              |            11.36 |
| 34       | LADAKH                          | 731                    | 81                                 |            11.08 |
| 35       | LAKSHADWEEP                     | 38                     | 5                                  |            13.16 |
| 36       | PUDUCHERRY                      | 3,878                  | 1,052                              |            27.13 |
|          | Total:-                         | 28,52,640              | 4,89,296                           |            17.15 |

Source: NIC

| State Wise Total &Women Owned MSMERegistered under Udyam for FY 2021-22   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2021-22   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2021-22   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2021-22   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2021-22   |
|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|
| Sl. No.                                                                   | State Name                                                                | TotalMSME Registered                                                      | Total Women OwnedMSME Registered                                          | Percentage (%)                                                            |
| 1                                                                         | ANDHRA PRADESH                                                            | 1,47,570                                                                  | 34,716                                                                    | 23.53                                                                     |
| 2                                                                         | ARUNACHAL PRADESH                                                         | 2,255                                                                     | 689                                                                       | 30.55                                                                     |
| 3                                                                         | ASSAM                                                                     | 72,086                                                                    | 20,446                                                                    | 28.36                                                                     |
| 4                                                                         | BIHAR                                                                     | 2,21,207                                                                  | 38,543                                                                    | 17.42                                                                     |
| 5                                                                         | CHHATTISGARH                                                              | 68,827                                                                    | 9,657                                                                     | 14.03                                                                     |
| 6                                                                         | GOA                                                                       | 8,616                                                                     | 1,870                                                                     | 21.70                                                                     |
| 7                                                                         | GUJARAT                                                                   | 3,99,448                                                                  | 54,770                                                                    | 13.71                                                                     |
| 8                                                                         | HARYANA                                                                   | 1,79,691                                                                  | 24,574                                                                    | 13.68                                                                     |
| 9                                                                         | HIMACHAL PRADESH                                                          | 26,833                                                                    | 4,595                                                                     | 17.12                                                                     |
| 10                                                                        | JHARKHAND                                                                 | 83,239                                                                    | 14,098                                                                    | 16.94                                                                     |
| 11                                                                        | KARNATAKA                                                                 | 3,15,163                                                                  | 57,607                                                                    | 18.28                                                                     |
| 12                                                                        | KERALA                                                                    | 1,18,130                                                                  | 25,274                                                                    | 21.40                                                                     |
| 13                                                                        | MADHYA PRADESH                                                            | 2,46,211                                                                  | 30,304                                                                    | 12.31                                                                     |
| 14                                                                        | MAHARASHTRA                                                               | 9,76,411                                                                  | 1,91,671                                                                  | 19.63                                                                     |
| 15                                                                        | MANIPUR                                                                   | 13,746                                                                    | 5,183                                                                     | 37.71                                                                     |
| 16                                                                        | MEGHALAYA                                                                 | 2,226                                                                     | 643                                                                       | 28.89                                                                     |
| 17                                                                        | MIZORAM                                                                   | 3,545                                                                     | 1,515                                                                     | 42.74                                                                     |
| 18                                                                        | NAGALAND                                                                  | 3,313                                                                     | 1,108                                                                     | 33.44                                                                     |
| 19                                                                        | ODISHA                                                                    | 1,06,013                                                                  | 20,738                                                                    | 19.56                                                                     |
| 20                                                                        | PUNJAB                                                                    | 1,82,616                                                                  | 28,609                                                                    | 15.67                                                                     |
| 21                                                                        | RAJASTHAN                                                                 | 3,93,633                                                                  | 46,298                                                                    | 11.76                                                                     |
| 22                                                                        | SIKKIM                                                                    | 1,768                                                                     | 601                                                                       | 33.99                                                                     |
| 23                                                                        | TAMIL NADU                                                                | 5,41,924                                                                  | 1,27,393                                                                  | 23.51                                                                     |
| 24                                                                        | TELANGANA                                                                 | 1,61,911                                                                  | 35,448                                                                    | 21.89                                                                     |
| 25                                                                        | TRIPURA                                                                   | 6,706                                                                     | 798                                                                       | 11.90                                                                     |
| 26                                                                        | UTTAR PRADESH                                                             | 4,14,080                                                                  | 58,624                                                                    | 14.16                                                                     |
| 27                                                                        | UTTARAKHAND                                                               | 49,722                                                                    | 8,538                                                                     | 17.17                                                                     |
| 28                                                                        | WEST BENGAL                                                               | 1,70,461                                                                  | 25,622                                                                    | 15.03                                                                     |
| 29                                                                        | ANDAMANAND NICOBAR ISLANDS                                                | 2,968                                                                     | 739                                                                       | 24.90                                                                     |
| 30                                                                        | CHANDIGARH                                                                | 9,521                                                                     | 1,527                                                                     | 16.04                                                                     |
| 31                                                                        | DADAR&NAGAR HAVELI andDAMAN& DIU                                          | 4,197                                                                     | 700                                                                       | 16.68                                                                     |
| 32                                                                        | DELHI                                                                     | 1,34,880                                                                  | 21,905                                                                    | 16.24                                                                     |
| 33                                                                        | JAMMU AND KASHMIR                                                         | 74,460                                                                    | 13,346                                                                    | 17.92                                                                     |
| 34                                                                        | LADAKH                                                                    | 2,303                                                                     | 354                                                                       | 15.37                                                                     |
| 35                                                                        | LAKSHADWEEP                                                               | 208                                                                       | 21                                                                        | 10.10                                                                     |
| 36                                                                        | PUDUCHERRY                                                                | 8,259                                                                     | 2,297                                                                     | 27.81                                                                     |
|                                                                           | Total:-                                                                   | 51,54,147                                                                 | 9,10,821                                                                  | 17.67                                                                     |

Source: NIC

## Annexure- I C

| State Wise Total &Women Owned MSMERegistered under Udyam for FY 2022-23 (01/04/2022 - 06/02/2023)   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2022-23 (01/04/2022 - 06/02/2023)   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2022-23 (01/04/2022 - 06/02/2023)   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2022-23 (01/04/2022 - 06/02/2023)   | State Wise Total &Women Owned MSMERegistered under Udyam for FY 2022-23 (01/04/2022 - 06/02/2023)   |
|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|
| Sl. No.                                                                                             | State Name                                                                                          | Total MSME Registered                                                                               | Total Women OwnedMSME Registered                                                                    | Percentage (%)                                                                                      |
| 1                                                                                                   | ANDHRA PRADESH                                                                                      | 1,96,716                                                                                            | 54,949                                                                                              | 27.93                                                                                               |
| 2                                                                                                   | ARUNACHAL PRADESH                                                                                   | 3,223                                                                                               | 1,100                                                                                               | 34.13                                                                                               |
| 3                                                                                                   | ASSAM                                                                                               | 1,01,863                                                                                            | 29,637                                                                                              | 29.09                                                                                               |
| 4                                                                                                   | BIHAR                                                                                               | 2,51,472                                                                                            | 43,423                                                                                              | 17.27                                                                                               |
| 5                                                                                                   | CHHATTISGARH                                                                                        | 87,933                                                                                              | 14,354                                                                                              | 16.32                                                                                               |
| 6                                                                                                   | GOA                                                                                                 | 12,530                                                                                              | 2,986                                                                                               | 23.83                                                                                               |
| 7                                                                                                   | GUJARAT                                                                                             | 4,16,238                                                                                            | 63,998                                                                                              | 15.38                                                                                               |
| 8                                                                                                   | HARYANA                                                                                             | 1,92,687                                                                                            | 33,581                                                                                              | 17.43                                                                                               |
| 9                                                                                                   | HIMACHAL PRADESH                                                                                    | 39,311                                                                                              | 7,205                                                                                               | 18.33                                                                                               |
| 10                                                                                                  | JHARKHAND                                                                                           | 1,11,580                                                                                            | 27,526                                                                                              | 24.67                                                                                               |
| 11                                                                                                  | KARNATAKA                                                                                           | 3,50,181                                                                                            | 78,779                                                                                              | 22.50                                                                                               |
| 12                                                                                                  | KERALA                                                                                              | 1,47,264                                                                                            | 40,556                                                                                              | 27.54                                                                                               |
| 13                                                                                                  | MADHYA PRADESH                                                                                      | 2,92,261                                                                                            | 42,213                                                                                              | 14.44                                                                                               |
| 14                                                                                                  | MAHARASHTRA                                                                                         | 9,90,511                                                                                            | 2,16,999                                                                                            | 21.91                                                                                               |
| 15                                                                                                  | MANIPUR                                                                                             | 17,831                                                                                              | 8,348                                                                                               | 46.82                                                                                               |
| 16                                                                                                  | MEGHALAYA                                                                                           | 4,964                                                                                               | 1,711                                                                                               | 34.47                                                                                               |
| 17                                                                                                  | MIZORAM                                                                                             | 5,972                                                                                               | 3,254                                                                                               | 54.49                                                                                               |
| 18                                                                                                  | NAGALAND                                                                                            | 6,165                                                                                               | 2,608                                                                                               | 42.30                                                                                               |
| 19                                                                                                  | ODISHA                                                                                              | 1,39,241                                                                                            | 30,302                                                                                              | 21.76                                                                                               |
| 20                                                                                                  | PUNJAB                                                                                              | 2,20,997                                                                                            | 45,865                                                                                              | 20.75                                                                                               |
| 21                                                                                                  | RAJASTHAN                                                                                           | 4,22,265                                                                                            | 56,532                                                                                              | 13.39                                                                                               |
| 22                                                                                                  | SIKKIM                                                                                              | 2,277                                                                                               | 776                                                                                                 | 34.08                                                                                               |
| 23                                                                                                  | TAMIL NADU                                                                                          | 5,91,595                                                                                            | 1,62,164                                                                                            | 27.41                                                                                               |
| 24                                                                                                  | TELANGANA                                                                                           | 1,86,546                                                                                            | 44,162                                                                                              | 23.67                                                                                               |
| 25                                                                                                  | TRIPURA                                                                                             | 11,706                                                                                              | 2,732                                                                                               | 23.34                                                                                               |
| 26                                                                                                  | UTTAR PRADESH                                                                                       | 5,45,831                                                                                            | 82,615                                                                                              | 15.14                                                                                               |
| 27                                                                                                  | UTTARAKHAND                                                                                         | 59,245                                                                                              | 11,377                                                                                              | 19.20                                                                                               |
| 28                                                                                                  | WEST BENGAL                                                                                         | 2,15,679                                                                                            | 36,046                                                                                              | 16.71                                                                                               |
| 29                                                                                                  | ANDAMANANDNICOBAR ISLANDS                                                                           | 3,355                                                                                               | 852                                                                                                 | 25.39                                                                                               |
| 30                                                                                                  | CHANDIGARH                                                                                          | 8,383                                                                                               | 1,567                                                                                               | 18.69                                                                                               |
| 31                                                                                                  | DADAR &NAGARHAVELI andDAMAN&DIU                                                                     | 4,280                                                                                               | 764                                                                                                 | 17.85                                                                                               |
| 32                                                                                                  | DELHI                                                                                               | 1,48,499                                                                                            | 26,342                                                                                              | 17.74                                                                                               |
| 33                                                                                                  | JAMMU AND KASHMIR                                                                                   | 78,336                                                                                              | 18,834                                                                                              | 24.04                                                                                               |
| 34                                                                                                  | LADAKH                                                                                              | 2,406                                                                                               | 374                                                                                                 | 15.54                                                                                               |
| 35                                                                                                  | LAKSHADWEEP                                                                                         | 277                                                                                                 | 48                                                                                                  | 17.33                                                                                               |
| 36                                                                                                  | PUDUCHERRY                                                                                          | 9,375                                                                                               | 2,802                                                                                               | 29.89                                                                                               |
| Total:-                                                                                             |                                                                                                     | 58,78,995                                                                                           | 11,97,381                                                                                           | 20.37                                                                                               |
| Report Dated:- 06/02/2023 06:25PM                                                                   | Report Dated:- 06/02/2023 06:25PM                                                                   | Report Dated:- 06/02/2023 06:25PM                                                                   | Report Dated:- 06/02/2023 06:25PM                                                                   | Report Dated:- 06/02/2023 06:25PM                                                                   |

## Annexure-II

## Annexure is referred to part (c) of un-starred Question no. 1361 due for reply on 09.02.2023

## Credit outstanding to MSME Sector by Public Sector Banks:

| Sl. N o        | Bank Name                 | For the year ended March 2020   | For the year ended March 2020   | For the year ended March 2021   | For the year ended March 2021   | For the year ended March 2022   | For the year ended March 2022   |
|----------------|---------------------------|---------------------------------|---------------------------------|---------------------------------|---------------------------------|---------------------------------|---------------------------------|
| Sl. N o        | Bank Name                 | No. of A/cs                     | No. of A/cs                     | No. of A/cs                     | Amt O/s                         | No. of A/cs                     | Amt O/s                         |
| 1              | ALLAHABAD BANK            | 3.39                            | 22,363.19                       | -                               | -                               | -                               | -                               |
| 2              | ANDHRA BANK               | 3.85                            | 31,353.32                       | -                               | -                               | -                               | -                               |
| 3              | BANK OF BARODA            | 9.37                            | 80,687.32                       | 15.00                           | 90,187.70                       | 13.48                           | 95,285.59                       |
| 4              | BANK OF INDIA             | 9.65                            | 53,797.96                       | 13.89                           | 56,646.93                       | 14.75                           | 60,895.39                       |
| 5              | BANK OF MAHARASHTR A      | 1.76                            | 17,228.76                       | 2.86                            | 23,132.87                       | 2.57                            | 19,779.03                       |
| 6              | CANARA BANK               | 10.55                           | 78,722.74                       | 20.28                           | 1,07,539.8 8                    | 19.26                           | 1,16,172.8 1                    |
| 7              | CENTRAL BANK OF INDIA     | 5.48                            | 32,237.40                       | 6.61                            | 32,446.30                       | 7.09                            | 34,138.31                       |
| 8              | CORPORATION BANK          | 3.16                            | 22,539.40                       | -                               | -                               | -                               | -                               |
| 9              | INDIAN BANK               | 10.75                           | 37,206.22                       | 20.66                           | 69,181.19                       | 25.63                           | 74,166.52                       |
| 10             | INDIAN OVERSEAS BANK      | 4.90                            | 30,422.44                       | 7.32                            | 31,997.40                       | 7.77                            | 34,170.23                       |
| 11             | ORIENTAL BANK OF COMMERCE | 2.91                            | 33,215.99                       |                                 |                                 |                                 |                                 |
| 12             | PUNJAB AND SIND BANK      | 1.27                            | 10,738.45                       | 1.65                            | 9,367.35                        | 1.74                            | 12,371.07                       |
| 13             | PUNJAB NATIONAL BANK      | 8.57                            | 64,449.97                       | 18.63                           | 1,18,915.6 9                    | 14.87                           | 1,18,341.8 0                    |
| 14             | SYNDICATE BANK            | 6.00                            | 26,919.43                       | -                               | -                               | -                               | -                               |
| 15             | UCO BANK                  | 6.18                            | 20,477.86                       | 9.38                            | 20,325.96                       | 9.32                            | 23,226.54                       |
| 16             | UNION BANK OF INDIA       | 6.09                            | 70,381.36                       | 17.60                           | 1,23,529.8 8                    | 17.32                           | 1,14,841.9 2                    |
| 17             | UNITED BANK OF INDIA      | 3.96                            | 13,775.07                       | -                               | -                               | -                               | -                               |
| 18             | STATE BANK                |                                 | 2,46,797.9                      |                                 | 2,25,387.9                      |                                 | 2,52,471.1                      |
| OF INDIA Total | OF INDIA Total            | 12.95 110.8                     | 5 8,93,314.8                    | 16.90 150.7                     | 0 9,08,659.0                    | 15.89 149.7                     | 7 9,55,860.3                    |
|                |                           | 2                               | 3                               | 7                               | 6                               | 0                               | 8                               |

Source; RBI