Lok Sabha Question No. 749 (UNSTARRED), answered on 2022-12-12
Subject: ECLGS Funds
Ministry: FINANCE
Asked by: Dushyant Singh

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UN-STARRED QUESTION NO. 749

## TO BE ANSWERED ON 12 th  DECEMBER, 2022 / 21 AGRAHAYANA, 1944 (SAKA)

## 'ECLGS FUNDS'

## 749: SHRI DUSHYANT SINGH:

Will the Minister of FINANCE be pleased to state:

(a)  the  amount of funds sanctioned and disbursed respectively under the Emergency Credit Line Guarantee Scheme (ECLGS) and the details of loans given so far sector and State-wise, including Rajasthan;

(b) whether the recent credit support to domestic airlines resulted in a reduction in MSME's share in the scheme and if so, the details thereof along with the remedial steps to be taken by the Government in this regard and if not, the reasons therefor;

(c) the steps taken by the Government to ensure easy access and availability of the ECLGS by eligible MSME owners; and

(d) the percentage of Non-Performing Assets and Special Mention Accounts (SMA) under credit borrowed under the said scheme?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (DR. BHAGWAT KARAD)

(a) and (b): Emergency Credit Line Guarantee Scheme (ECLGS) was launched in May, 2020 as part of  Aatmanirbhar  Bharat  Abhiyaan  to  support  eligible  Micro,  Small  and  Medium  Enterprises (MSMEs)  and  business  enterprises  in  meeting  their  operational  liabilities  and  restarting  their businesses. Under the scheme, 100% credit guarantee is extended to the lending institutions for loans extended by them under the scheme to eligible borrowers.  The admissible guarantee limit under the scheme has been increased from Rs. 4.5 lakh crore to Rs. 5 lakh crore, with the additional guarantee cover of Rs. 50,000 crore earmarked exclusively for the Hospitality and related enterprises including Civil Aviation sector.

Thus, the recent credit support to domestic airlines has not resulted in a reduction of MSME's share in the scheme. As on 30.11.2022, guarantees amounting to Rs 3.58 lakh crore have been issued under ECLGS, benefiting 1.19 crore borrowers.

## Share of MSMEs under ECLGS

|                            | Share of MSME   |
|----------------------------|-----------------|
| Number of loans guaranteed | 95.17%          |
| Amount guaranteed          | 66.23%          |

As per inputs received from National Credit Guarantee Trustee Company Limited (NCGTC), the agency operating the scheme, the details of loans given so far sector wise and State-wise, including Rajasthan are enclosed as Annexure I and Annexure II respectively to this reply.

- (c) Most of the MSME borrowers have loans outstanding up to Rs.50 crore. For this category of borrowers, the ECLGS scheme was an 'opt out' scheme, i.e. eligible support was to be provided by the lenders to such category of eligible borrowers, unless the MSME borrowers decided not to avail the support or were ineligible. Thus, the scheme was so designed that it was easily accessible and available to the MSMEs.
- (d) As per inputs received from NCGTC, the percentage of Non- Performing Assets (NPAs) under credit borrowed under the ECLGS scheme is as under:

| Loan amount guaranteed (In Rs. cr)   | NPA outstanding (Rs. cr)   | NPA as percentage of loans guaranteed   |
|--------------------------------------|----------------------------|-----------------------------------------|
| 3,58,894.27                          | 13,964.58                  | 3.89%                                   |
| Source: NCGTC                        | Source: NCGTC              | Source: NCGTC                           |

As apprised by NCGTC, the details on Special Mention Account (SMA) in respect of credit borrowed under the ECLGS scheme, is not centrally maintained.

*****

| Annexure I referred in Lok Sabha Unstarred question number 749, regarding ECLGS Funds            | Annexure I referred in Lok Sabha Unstarred question number 749, regarding ECLGS Funds            | Annexure I referred in Lok Sabha Unstarred question number 749, regarding ECLGS Funds            | Annexure I referred in Lok Sabha Unstarred question number 749, regarding ECLGS Funds            | Annexure I referred in Lok Sabha Unstarred question number 749, regarding ECLGS Funds            |
|--------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------|
| INDUSTRY / SECTOR WISE DATA UNDER EMERGENCY CREDIT LINE GUARANTEE SCHEME (ECLGS) ASON 30-11-2022 | INDUSTRY / SECTOR WISE DATA UNDER EMERGENCY CREDIT LINE GUARANTEE SCHEME (ECLGS) ASON 30-11-2022 | INDUSTRY / SECTOR WISE DATA UNDER EMERGENCY CREDIT LINE GUARANTEE SCHEME (ECLGS) ASON 30-11-2022 | INDUSTRY / SECTOR WISE DATA UNDER EMERGENCY CREDIT LINE GUARANTEE SCHEME (ECLGS) ASON 30-11-2022 | INDUSTRY / SECTOR WISE DATA UNDER EMERGENCY CREDIT LINE GUARANTEE SCHEME (ECLGS) ASON 30-11-2022 |
| Sr.N o.                                                                                          | INDUSTRY_NATURE                                                                                  | No of Guarantees Issued                                                                          | Loan Amount Guaranteed (Rs. In Cr)                                                               | Loan Amount Disbursed (Rs. In Cr)                                                                |
| 1                                                                                                | ALL ENGINEERING                                                                                  | 50,098                                                                                           | 9,707.58                                                                                         | 7,899.05                                                                                         |
| 2                                                                                                | AUTO COMPONENTS,AUTO DELEARSHIP, AUTOMOBILES MANUFACTURING                                       | 995                                                                                              | 7,916.44                                                                                         | 6,579.21                                                                                         |
| 3                                                                                                | AVIATION                                                                                         | 76                                                                                               | 1,464.61                                                                                         | 648.22                                                                                           |
| 4                                                                                                | BASIC METAL &METAL PRODUCT, NON- FERROUS METALS                                                  | 37,326                                                                                           | 12,022.79                                                                                        | 9,538.11                                                                                         |
| 5                                                                                                | BEVERAGE &TOBACCO                                                                                | 12,844                                                                                           | 974.48                                                                                           | 754.20                                                                                           |
| 6                                                                                                | CONSTRUCTION, CEMENT                                                                             | 80,079                                                                                           | 19,448.49                                                                                        | 15,560.93                                                                                        |
| 7                                                                                                | CHEMICALS                                                                                        | 26,256                                                                                           | 8,738.15                                                                                         | 6,855.00                                                                                         |
| 8                                                                                                | CONSUMER DURABLES/FMCG, CORPORATE RETAIL OUTLETS, TRADERS                                        | 66,30,359                                                                                        | 65,494.15                                                                                        | 53,789.85                                                                                        |
| 9                                                                                                | FOOD PROCESSING                                                                                  | 8,73,358                                                                                         | 19,200.31                                                                                        | 15,117.92                                                                                        |
| 10                                                                                               | GEMS& JEWELLERY                                                                                  | 23,006                                                                                           | 7,358.01                                                                                         | 5,646.28                                                                                         |
| 11                                                                                               | GLASS &GLASSWARE                                                                                 | 7,962                                                                                            | 639.31                                                                                           | 501.38                                                                                           |
| 12                                                                                               | HEALTHCARE                                                                                       | 244                                                                                              | 2,695.55                                                                                         | 1,934.64                                                                                         |
| 13                                                                                               | HOSPITALITY, SPORTS AND LEISURE                                                                  | 1,89,301                                                                                         | 23,767.06                                                                                        | 18,989.36                                                                                        |
| 14                                                                                               | INFRASTRUCTURE, REAL ESTATE, ROADS                                                               | 17,537                                                                                           | 15,425.42                                                                                        | 10,467.27                                                                                        |
| 15                                                                                               | IRON AND STEEL MANUFACTURING                                                                     | 548                                                                                              | 5,324.49                                                                                         | 3,639.07                                                                                         |
| 16                                                                                               | LEATHER &LEATHER PRODUCTS                                                                        | 18,024                                                                                           | 1,209.20                                                                                         | 988.45                                                                                           |
| 17                                                                                               | LOGISTICS, PORT AND PORT SERVICES, SHIPPING                                                      | 516                                                                                              | 2,768.93                                                                                         | 2,322.11                                                                                         |
| 18                                                                                               | MINING                                                                                           | 7,907                                                                                            | 2,978.59                                                                                         | 2,520.61                                                                                         |
| 19                                                                                               | OTHER INDUSTRIES                                                                                 | 7,24,620                                                                                         | 42,275.08                                                                                        | 34,009.72                                                                                        |
| 20                                                                                               | OXYGEN GENERATION PLANTS                                                                         | 96                                                                                               | 83.95                                                                                            | 62.32                                                                                            |
| 21                                                                                               | PAPER &PAPER PRODUCTS                                                                            | 29,955                                                                                           | 4,147.22                                                                                         | 3,342.02                                                                                         |
| 22                                                                                               | PETROLEUM, COAL PRODUCTS & NUCLEAR FUELS                                                         | 9,050                                                                                            | 1,424.74                                                                                         | 1,174.32                                                                                         |
| 23                                                                                               | PHARMACEUTOCALS MANUFACTURING                                                                    | 137                                                                                              | 1,312.47                                                                                         | 945.51                                                                                           |
| 24                                                                                               | PLASTIC PRODUCTS MANUFACTURING                                                                   | 205                                                                                              | 1,811.64                                                                                         | 1,300.57                                                                                         |
| 25                                                                                               | POWER                                                                                            | 202                                                                                              | 2,188.19                                                                                         | 1,664.66                                                                                         |
| 26                                                                                               | RUBBER, PLASTIC& THEIR PRODUCTS                                                                  | 24,342                                                                                           | 5,967.19                                                                                         | 4,813.23                                                                                         |
| 27                                                                                               | SERVICES                                                                                         | 26,40,617                                                                                        | 57,134.37                                                                                        | 47,892.97                                                                                        |
| 28                                                                                               | SUGAR                                                                                            | 108                                                                                              | 2,132.76                                                                                         | 1,370.47                                                                                         |
| 29                                                                                               | TEXTILES                                                                                         | 4,22,397                                                                                         | 30,942.62                                                                                        | 23,516.73                                                                                        |
| 30                                                                                               | WOOD&WOODPRODUCTS                                                                                | 94,013                                                                                           | 2,340.50                                                                                         | 1,971.84                                                                                         |
|                                                                                                  | Total                                                                                            | 1,19,22,178                                                                                      | 3,58,894.29                                                                                      | 2,85,816.02                                                                                      |

Source: NCGTC

## Annexure II referred in Lok Sabha Unstarred question number 749, regarding ECLGS Funds

| STATE WISE DATA ONLOANS GUARANTEED AND DISBURSED UNDER EMERGENCY CREDIT LINE   | STATE WISE DATA ONLOANS GUARANTEED AND DISBURSED UNDER EMERGENCY CREDIT LINE   | STATE WISE DATA ONLOANS GUARANTEED AND DISBURSED UNDER EMERGENCY CREDIT LINE   | STATE WISE DATA ONLOANS GUARANTEED AND DISBURSED UNDER EMERGENCY CREDIT LINE   |
|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|
| STATE NAME                                                                     | No of Guarantees Issued                                                        | Loan Amount Guaranteed (Rs. In Cr)                                             | Loan Amount Disbursed (Rs. In Cr)                                              |
| ANDAMAN &NICOBAR                                                               | 2,119                                                                          | 149.05                                                                         | 97.65                                                                          |
| ANDHRA PRADESH                                                                 | 2,93,483                                                                       | 13,009.56                                                                      | 10,292.00                                                                      |
| ARUNACHAL PRADESH                                                              | 2,431                                                                          | 135.03                                                                         | 123.38                                                                         |
| ASSAM                                                                          | 5,54,326                                                                       | 3,784.24                                                                       | 3,108.79                                                                       |
| BIHAR                                                                          | 8,31,154                                                                       | 5,157.37                                                                       | 4,257.44                                                                       |
| CHANDIGARH                                                                     | 7,296                                                                          | 1,276.90                                                                       | 1,009.09                                                                       |
| CHHATTISGARH                                                                   | 2,02,051                                                                       | 6,126.79                                                                       | 4,802.09                                                                       |
| DADRA& NAGAR HAVELI                                                            | 2,332                                                                          | 451.95                                                                         | 374.52                                                                         |
| DAMAN&DIU                                                                      | 1,047                                                                          | 208.78                                                                         | 161.34                                                                         |
| DELHI                                                                          | 1,07,152                                                                       | 23,534.73                                                                      | 18,072.89                                                                      |
| GOA                                                                            | 13,120                                                                         | 1,488.87                                                                       | 1,102.27                                                                       |
| GUJARAT                                                                        | 3,78,714                                                                       | 34,377.55                                                                      | 27,009.61                                                                      |
| HARYANA                                                                        | 2,08,184                                                                       | 16,613.46                                                                      | 13,446.64                                                                      |
| HIMACHAL PRADESH                                                               | 52,259                                                                         | 2,435.03                                                                       | 1,914.38                                                                       |
| JAMMU &KASHMIR                                                                 | 68,990                                                                         | 2,443.16                                                                       | 2,092.40                                                                       |
| JHARKHAND                                                                      | 3,04,484                                                                       | 4,102.96                                                                       | 3,208.87                                                                       |
| KARNATAKA                                                                      | 8,94,934                                                                       | 23,853.98                                                                      | 19,291.38                                                                      |
| KERALA                                                                         | 5,42,371                                                                       | 11,935.80                                                                      | 8,964.58                                                                       |
| LADAKH                                                                         | 1,035                                                                          | 54.18                                                                          | 49.84                                                                          |
| LAKSHA DEEP                                                                    | 375                                                                            | 2.20                                                                           | 1.92                                                                           |
| MADHYA PRADESH                                                                 | 5,74,262                                                                       | 11,218.24                                                                      | 8,990.44                                                                       |
| MAHARASHTRA                                                                    | 10,29,614                                                                      | 59,168.73                                                                      | 46,757.07                                                                      |
| MANIPUR                                                                        | 10,612                                                                         | 142.14                                                                         | 116.55                                                                         |
| MEGHALAYA                                                                      | 11,566                                                                         | 240.51                                                                         | 170.12                                                                         |
| MIZORAM                                                                        | 3,896                                                                          | 64.52                                                                          | 55.18                                                                          |
| NAGALAND                                                                       | 7,599                                                                          | 80.06                                                                          | 70.85                                                                          |
| ORISSA                                                                         | 9,45,805                                                                       | 6,717.95                                                                       | 5,359.64                                                                       |
| PONDICHERRY                                                                    | 23,230                                                                         | 602.76                                                                         | 428.01                                                                         |
| PUNJAB                                                                         | 2,20,638                                                                       | 11,335.40                                                                      | 9,521.50                                                                       |
| RAJASTHAN                                                                      | 5,57,790                                                                       | 17,825.20                                                                      | 14,696.10                                                                      |
| SIKKIM                                                                         | 8,395                                                                          | 131.34                                                                         | 104.96                                                                         |
| TAMILNADU                                                                      | 9,12,202                                                                       | 39,498.58                                                                      | 31,570.47                                                                      |
| TELANGANA                                                                      | 1,48,006                                                                       | 15,183.97                                                                      | 12,339.60                                                                      |
| TRIPURA                                                                        | 62,848                                                                         | 295.08                                                                         | 257.91                                                                         |
| UTTAR PRADESH                                                                  | 8,27,096                                                                       | 21,878.69                                                                      | 17,342.49                                                                      |
| UTTARAKHAND                                                                    | 75,172                                                                         | 3,324.00                                                                       | 2,528.65                                                                       |
| WEST BENGAL TOTAL                                                              | 20,35,590 1,19,22,178                                                          | 20,045.50 3,58,894.26                                                          | 16,125.41 2,85,816.03                                                          |

Source: NCGTC