Lok Sabha Question No. 1364 (UNSTARRED), answered on 2023-02-09
Subject: Prime Minister's Employment Generation Programme
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Dinesh Lal "Nirahua" Yadav

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

## LOK SABHA UNSTARRED QUESTION NO. 1364 TO BE ANSWERED ON 09.02.2023

## PRIME MINISTER'S EMPLOYMENT GENERATION PROGRAMME

1364. SHRI DINESH LAL YADAV "NIRAHUA":

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

- (a) whether the youth in various States, including Uttar Pradesh, are not being disbursed loan under the Prime Minister's Employment Generation Programme (PMEGP);
- (b) if so, the details thereof along with reaction of the Government thereto; and
- (c) the steps taken by the Government for achieving the targets under the PMEGP?

## ANSWER

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

(a) & (b): Youths  in  all  States  including  Uttar  Pradesh  are  being  disbursed  loan  under Prime Minister's Employment Generation Programme (PMEGP).

Ministry  of  MSME  is  implementing  Prime  Minister's  Employment  Generation Programme  (PMEGP),  through  Khadi  and  Village  Industries  Commission  (KVIC),  for supporting entrepreneurs in setting up of new units in the non-farm sector. It aims to bring together  widely  dispersed  traditional  artisans/  rural  and  urban  unemployed  youth  and  give them self-employment opportunities to the extent possible, at their doorstep.

Under PMEGP, General Category beneficiaries can avail Margin Money subsidy of 25% of the project cost in rural areas and 15% in urban areas.  For beneficiaries belonging to Special Categories, such as Scheduled Castes, Scheduled Tribes, OBCs, Minorities, Women, Transgenders,  Ex-servicemen,  Differently-Abled,  beneficiaries  belonging  to  North  Eastern Region, Aspirational District, Hill and Border areas, etc., the Margin Money subsidy is 35% in  rural  areas  and  25%  in  urban  areas.  The  maximum  cost  of  project  is  Rs.50  lakh  in  the manufacturing sector and Rs.20 lakh in the service sector.

State/UT-wise details of Margin Money subsidy disbursed and estimated bank credit under  PMEGP,  including  the  State  of  Uttar  Pradesh  during  last  three  years  is  given  at Annexure.

- (c): Government has taken following initiatives for achieving the target under PMEGP:
- i. Marketing,  Banking  and  Technical  Experts  have  been  engaged  in  various  KVIC offices to provide handholding support to the applicants in filling up the applications.

- ii. Two  days  free  online  Entrepreneurship  Development  Programme  (EDP)  are conducted to assist prospective entrepreneurs.
- iii. Sunday webinars are also being organized by KVIC covering various manufacturing and service sectors for assisting potential beneficiaries in preparing business proposal.
- iv. Activities permitted under PMEGP have been expanded to include more activities under animal husbandry, etc.
- v. Ministry  has  also  identified  certain  districts  from  where  smaller  number  of applications are received. To increase the awareness of the scheme in such districts, special tie up has been made with rural post offices to disseminate information on PMEGP scheme, its benefits and how to apply.
- vi. Ministry  and  KVIC  are  also  regularly  coordinating  with  banks  to  reduce  the rejection rate of applications, particularly on trivial grounds.

****

Annexure referred to in reply to part (a) & (b) of the Lok Sabha Unstarred Question No. 1364 for answer on 09.02.2023.

| State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   | State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   | State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   | State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   | State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   | State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   | State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   | State-wise Margin Money subsidy disbursed and estimated bank credit from 2019-20 to 2021-22   |
|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|
|                                                                                               |                                                                                               | 2019-20                                                                                       | 2019-20                                                                                       | 2020-21                                                                                       | 2020-21                                                                                       | 2021-22                                                                                       | 2021-22                                                                                       |
| Sr. No.                                                                                       | State/UT                                                                                      | Margin Money (Rs. in lakhs)                                                                   | Estimated Bank Credit (Rs. in lakhs)                                                          | Margin Money (Rs. in lakhs)                                                                   | Estimated Bank Credit (Rs. in lakhs)                                                          | Margin Money (Rs. in lakhs)                                                                   | Estimated Bank Credit (Rs. in lakhs)                                                          |
| I. NORTH ZONE                                                                                 | I. NORTH ZONE                                                                                 | I. NORTH ZONE                                                                                 | I. NORTH ZONE                                                                                 | I. NORTH ZONE                                                                                 | I. NORTH ZONE                                                                                 | I. NORTH ZONE                                                                                 | I. NORTH ZONE                                                                                 |
| 1                                                                                             | Jammu Kashmir                                                                                 | 11142.86                                                                                      | 30085.72                                                                                      | 18306.28                                                                                      | 49426.96                                                                                      | 46713.54                                                                                      | 126126.56                                                                                     |
| 2                                                                                             | Ladakh                                                                                        | 0.00                                                                                          | 0.00                                                                                          | 1168.41                                                                                       | 3154.71                                                                                       | 1182.31                                                                                       | 3192.24                                                                                       |
| 3                                                                                             | Himachal Pradesh                                                                              | 3229.32                                                                                       | 8719.16                                                                                       | 3381.10                                                                                       | 9128.97                                                                                       | 3550.95                                                                                       | 9587.57                                                                                       |
| 4                                                                                             | Punjab                                                                                        | 3914.83                                                                                       | 10570.04                                                                                      | 5008.66                                                                                       | 13523.38                                                                                      | 6017.86                                                                                       | 16248.22                                                                                      |
| 5                                                                                             | Chandigarh - UT                                                                               | 28.71                                                                                         | 77.52                                                                                         | 16.00                                                                                         | 43.20                                                                                         | 62.08                                                                                         | 167.62                                                                                        |
| 6                                                                                             | Haryana                                                                                       | 4938.21                                                                                       | 13333.17                                                                                      | 5512.55                                                                                       | 14883.89                                                                                      | 6093.33                                                                                       | 16451.99                                                                                      |
| 7                                                                                             | Delhi                                                                                         | 110.63                                                                                        | 298.70                                                                                        | 147.61                                                                                        | 398.55                                                                                        | 315.23                                                                                        | 851.12                                                                                        |
| 8                                                                                             | Rajasthan                                                                                     | 8171.88                                                                                       | 22064.08                                                                                      | 8806.83                                                                                       | 23778.44                                                                                      | 9025.60                                                                                       | 24369.12                                                                                      |
| II CENTRAL ZONE                                                                               | II CENTRAL ZONE                                                                               | II CENTRAL ZONE                                                                               | II CENTRAL ZONE                                                                               | II CENTRAL ZONE                                                                               | II CENTRAL ZONE                                                                               | II CENTRAL ZONE                                                                               | II CENTRAL ZONE                                                                               |
| 9                                                                                             | Uttarakhand                                                                                   | 3440.03                                                                                       | 9288.08                                                                                       | 4536.62                                                                                       | 12248.87                                                                                      | 3983.20                                                                                       | 10754.64                                                                                      |
| 10                                                                                            | Uttar Pradesh                                                                                 | 21648.00                                                                                      | 58449.60                                                                                      | 32985.38                                                                                      | 89060.53                                                                                      | 41165.07                                                                                      | 111145.69                                                                                     |
| 11                                                                                            | Chhattisgarh                                                                                  | 6098.28                                                                                       | 16465.36                                                                                      | 6062.77                                                                                       | 16369.48                                                                                      | 6941.44                                                                                       | 18741.89                                                                                      |
| 12                                                                                            | Madhya Pradesh                                                                                | 8063.63                                                                                       | 21771.80                                                                                      | 13807.82                                                                                      | 37281.11                                                                                      | 20961.46                                                                                      | 56595.94                                                                                      |
| III. N.E.ZONE                                                                                 | III. N.E.ZONE                                                                                 | III. N.E.ZONE                                                                                 | III. N.E.ZONE                                                                                 | III. N.E.ZONE                                                                                 | III. N.E.ZONE                                                                                 | III. N.E.ZONE                                                                                 | III. N.E.ZONE                                                                                 |
| 13                                                                                            | Sikkim                                                                                        | 174.56                                                                                        | 471.31                                                                                        | 152.28                                                                                        | 411.16                                                                                        | 214.27                                                                                        | 578.53                                                                                        |
| 14                                                                                            | Arunachal Pradesh                                                                             | 363.79                                                                                        | 982.23                                                                                        | 232.63                                                                                        | 628.10                                                                                        | 788.88                                                                                        | 2129.98                                                                                       |
| 15                                                                                            | Nagaland                                                                                      | 2650.24                                                                                       | 7155.65                                                                                       | 2045.47                                                                                       | 5522.77                                                                                       | 2494.89                                                                                       | 6736.20                                                                                       |
| 16                                                                                            | Manipur                                                                                       | 2036.30                                                                                       | 5498.01                                                                                       | 5899.03                                                                                       | 15927.38                                                                                      | 3337.25                                                                                       | 9010.58                                                                                       |
| 17                                                                                            | Mizoram                                                                                       | 1083.78                                                                                       | 2926.21                                                                                       | 1412.46                                                                                       | 3813.64                                                                                       | 1461.76                                                                                       | 3946.75                                                                                       |
| 18                                                                                            | Tripura                                                                                       | 1835.39                                                                                       | 4955.55                                                                                       | 1829.57                                                                                       | 4939.84                                                                                       | 2083.70                                                                                       | 5625.99                                                                                       |
| 19                                                                                            | Meghalaya                                                                                     | 569.17                                                                                        | 1536.76                                                                                       | 579.65                                                                                        | 1565.06                                                                                       | 974.17                                                                                        | 2630.26                                                                                       |
| 20                                                                                            | Assam                                                                                         | 3557.78                                                                                       | 9606.01                                                                                       | 4948.48                                                                                       | 13360.90                                                                                      | 6659.71                                                                                       | 17981.22                                                                                      |
| IV. EAST ZONE                                                                                 | IV. EAST ZONE                                                                                 | IV. EAST ZONE                                                                                 | IV. EAST ZONE                                                                                 | IV. EAST ZONE                                                                                 | IV. EAST ZONE                                                                                 | IV. EAST ZONE                                                                                 | IV. EAST ZONE                                                                                 |
| 21                                                                                            | Bihar                                                                                         | 6950.67                                                                                       | 18766.81                                                                                      | 7208.74                                                                                       | 19463.60                                                                                      | 8169.92                                                                                       | 22058.78                                                                                      |
| 22                                                                                            | West Bengal                                                                                   | 8487.40                                                                                       | 22915.98                                                                                      | 7425.32                                                                                       | 20048.36                                                                                      | 8539.63                                                                                       | 23057.00                                                                                      |
| 23                                                                                            | Jharkhand                                                                                     | 3749.79                                                                                       | 10124.43                                                                                      | 3847.80                                                                                       | 10389.06                                                                                      | 4188.27                                                                                       | 11308.33                                                                                      |
| 24                                                                                            | Odisha                                                                                        | 7816.86                                                                                       | 21105.52                                                                                      | 8748.07                                                                                       | 23619.79                                                                                      | 11335.95                                                                                      | 30607.07                                                                                      |
| 25                                                                                            | Andaman& Nicobar                                                                              | 146.16                                                                                        | 394.63                                                                                        | 186.12                                                                                        | 502.52                                                                                        | 238.69                                                                                        | 644.46                                                                                        |
| V. WEST ZONE                                                                                  | V. WEST ZONE                                                                                  | V. WEST ZONE                                                                                  | V. WEST ZONE                                                                                  | V. WEST ZONE                                                                                  | V. WEST ZONE                                                                                  | V. WEST ZONE                                                                                  | V. WEST ZONE                                                                                  |
| 26                                                                                            | Gujarat                                                                                       | 28740.29                                                                                      | 77598.78                                                                                      | 20637.05                                                                                      | 55720.04                                                                                      | 28704.84                                                                                      | 77503.07                                                                                      |
| 27                                                                                            | Maharashtra                                                                                   | 11219.47                                                                                      | 30292.57                                                                                      | 8844.29                                                                                       | 23879.58                                                                                      | 13018.54                                                                                      | 35150.06                                                                                      |
| 28                                                                                            | Goa                                                                                           | 244.36                                                                                        | 659.77                                                                                        | 156.65                                                                                        | 422.96                                                                                        | 298.22                                                                                        | 805.19                                                                                        |

| VI. SOUTH ZONE   | VI. SOUTH ZONE   |           |          |           |           |           |           |
|------------------|------------------|-----------|----------|-----------|-----------|-----------|-----------|
| 29               | Andhra Pradesh   |   9024.23 |  24365.4 |   6866.3  |  18539    |  10088.8  |  27239.8  |
| 30               | Telangana        |   7118.89 |  19221   |   6376.33 |  17216.1  |   9846.14 |  26584.6  |
| 31               | Karnataka        |  10681.1  |  28839.1 |  12504.3  |  33761.5  |  15843.4  |  42777.1  |
| 32               | Lakshadweep      |      0    |      0   |     15.36 |     41.47 |     17.5  |     47.25 |
| 33               | Kerala           |   5322.79 |  14371.5 |   5225.88 |  14109.9  |   6859.29 |  18520.1  |
| 34               | Tamil Nadu       |  12405.5  |  33494.7 |  13881.6  |  37480.2  |  16445.8  |  44403.6  |
| 35               | Puducherry       |    117.26 |    316.6 |    116.81 |    315.39 |    144.3  |    389.61 |
|                  | Total            | 195082    | 526722   | 218880    | 590976    | 297766    | 803968    |