Lok Sabha Question No. 57 (UNSTARRED), answered on 2022-07-18
Subject: Financial Assistance to MSMEs
Ministry: FINANCE
Asked by: Badruddin Ajmal

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

## LOK SABHA UN-STARRED QUESTION NO. 57

TO BE ANSWERED ON 18 TH  JULY, 2022/ 27 ASHADHA, 1944 (SAKA)

## 'FINANCIAL ASSISTANCE TO MSMEs'

## 57: SHRI M. BADRUDDIN AJMAL:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government has allocated funds and formulated any system to extend financial help to the Micro,  Small  and  Medium  Enterprises  (MSME)  sector  which  is  passing  through  a  very  difficult  time specially due to demonetisation and then due to Covid-19 lockdown;
- (b) if so, the details thereof along with names of the schemes launched and used for the purpose;
- (c) the quantum of amount allocated and utilised for the purpose during the last five years; and
- (d) the number of beneficiaries, State / year-wise?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (DR. BHAGWAT KARAD)

- (a) to (c) : With a view to help Micro, Small and Medium Enterprises (MSME) sector sail through a difficult phase, especially during COVID pandemic, the Government has launched the following schemes to extend financial support to the sector:
- (i) 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 was extended to the lending institutions by the Government. A sum of Rs 64,100 crore has been  allocated  towards  the  scheme  till  date.  Further,  an  additional  guarantee  cover  of  Rs.  50,000  crore, earmarked exclusively for the hospitality and related enterprises, has been announced in Budget 2022-23, which will increase the admissible guarantee cover from Rs. 4.5 lakh crore to Rs. 5 lakh crore. The scheme has been extended till 31.3.2023.
- (ii) Credit Guarantee Scheme for Micro Finance Institutions was launched in July 2021 wherein a guarantee was  provided  to  the  member  lending  institutions  towards  extending  much  needed  liquidity  to  the NBFCs/MFIs for their  on-lending  support  to  eligible  small  borrowers.  A  sum  of  Rs  850  crore  has  been allocated towards the scheme.
- (iii)  Credit Guarantee Scheme for Subordinate Debt (CGSSD) was launched in June, 2020 by the Ministry of MSME for providing credit guarantee to credit facilities provided by eligible member lending institutions to  the  stressed  or  non-performing MSME accounts under the scheme. A sum of Rs 4,000 crore has been allocated towards the scheme.
- (iv)  Ministry  of  Housing  and  Urban  Affairs  (MoHUA)  has  implemented  Credit  Guarantee  Fund  for  PM Street  Vendor's  AtmaNirbhar  Nidhi  (PM  SVANidhi)  in  June,  2020  for  facilitating  credit  to  the  street vendors. A sum of Rs 375 crore has been allocated towards the scheme.
- (d) The  schemes  being  credit  guarantee  scheme,  the  utilisation  of  fund  is  contingent  upon  claims  being received. However, the state-wise details of number of beneficiaries in terms of loans guaranteed under the schemes are enclosed at Annexure I to IV.

|                                                                  |                                                                     | Annexure I                                                          |
|------------------------------------------------------------------|---------------------------------------------------------------------|---------------------------------------------------------------------|
| Emergency Credit Line Guarantee Scheme (ECLGS) state-wise Report | Emergency Credit Line Guarantee Scheme (ECLGS) state-wise Report    | Emergency Credit Line Guarantee Scheme (ECLGS) state-wise Report    |
| STATENAME Number                                                 |                                                                     |                                                                     |
|                                                                  | of Beneficiaries in terms of Loans Guaranteed FY 2020-21 FY 2021-22 | of Beneficiaries in terms of Loans Guaranteed FY 2020-21 FY 2021-22 |
| ANDAMAN &NICOBAR                                                 | 1978                                                                | 123                                                                 |
| ANDHRA PRADESH                                                   | 253111                                                              | 37711                                                               |
| ARUNACHAL PRADESH                                                | 2228                                                                | 159                                                                 |
| ASSAM                                                            | 529128                                                              | 23527                                                               |
| BIHAR                                                            | 644959                                                              | 184637                                                              |
| CHANDIGARH                                                       | 6361                                                                | 855                                                                 |
| CHHATTISGARH                                                     | 140311                                                              | 60879                                                               |
| DADRA& NAGAR HAVELI                                              | 2077                                                                | 227                                                                 |
| DAMAN&DIU                                                        | 916                                                                 | 125                                                                 |
| DELHI                                                            | 90794                                                               | 15266                                                               |
| GOA                                                              | 11801                                                               | 1092                                                                |
| GUJARAT                                                          | 302020                                                              | 72992                                                               |
| HARYANA                                                          | 156677                                                              | 49268                                                               |
| HIMACHAL PRADESH                                                 | 45983                                                               | 5411                                                                |
| JAMMU &KASHMIR                                                   | 66719                                                               | 1815                                                                |
| JHARKHAND                                                        | 240920                                                              | 62180                                                               |
| KARNATAKA                                                        | 468971                                                              | 412407                                                              |
| KERALA                                                           | 401744                                                              | 138081                                                              |
| LADAKH                                                           | 999                                                                 | 34                                                                  |
| LAKSHA DEEP                                                      | 369                                                                 | 3                                                                   |
| MADHYA PRADESH                                                   | 395932                                                              | 176276                                                              |
| MAHARASHTRA                                                      | 885636                                                              | 134336                                                              |
| MANIPUR                                                          | 10259                                                               | 322                                                                 |
| MEGHALAYA                                                        | 11030                                                               | 487                                                                 |
| MIZORAM                                                          | 3722                                                                | 146                                                                 |
| NAGALAND                                                         | 7396                                                                | 171                                                                 |
| ORISSA                                                           | 880435                                                              | 58979                                                               |
| PONDICHERRY                                                      | 14303                                                               | 8523                                                                |
| PUNJAB                                                           | 190073                                                              | 28339                                                               |
| RAJASTHAN                                                        | 305788                                                              | 249571                                                              |
| SIKKIM                                                           | 8178                                                                | 178                                                                 |
| TAMILNADU                                                        | 653638                                                              | 246453                                                              |
| TELANGANA                                                        | 131770                                                              | 15032                                                               |
| TRIPURA                                                          | 60471                                                               | 2178                                                                |
| UTTAR PRADESH                                                    | 659285                                                              | 163542                                                              |
| UTTARAKHAND                                                      | 66139                                                               | 8494                                                                |
| WEST BENGAL                                                      | 1889440                                                             | 140601                                                              |
| Total                                                            | 9541561                                                             | 2300420                                                             |

|                                                                                                  | Annexure II                                                                                      |
|--------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------|
| Credit Guarantee Scheme for Micro Finance Institutions CGSMFI state-wise Report for FY 2021-2022 | Credit Guarantee Scheme for Micro Finance Institutions CGSMFI state-wise Report for FY 2021-2022 |
| STATE NAME                                                                                       | No of Beneficiaries in terms of Guarantees Issued                                                |
| ANDAMAN AND NICOBAR ISLANDS                                                                      | 581                                                                                              |
| ANDHRA PRADESH                                                                                   | 1890                                                                                             |
| ARUNACHAL PRADESH                                                                                | 130                                                                                              |
| ASSAM                                                                                            | 9792                                                                                             |
| BIHAR                                                                                            | 443338                                                                                           |
| CHANDIGARH                                                                                       | 440                                                                                              |
| CHHATTISGARH                                                                                     | 57943                                                                                            |
| DELHI                                                                                            | 81                                                                                               |
| GOA                                                                                              | 911                                                                                              |
| GUJARAT                                                                                          | 71457                                                                                            |
| HARYANA                                                                                          | 63857                                                                                            |
| HIMACHAL PRADESH                                                                                 | 3456                                                                                             |
| JAMMU AND KASHMIR                                                                                | 7034                                                                                             |
| JHARKHAND                                                                                        | 90605                                                                                            |
| KARNATAKA                                                                                        | 188412                                                                                           |
| KERALA                                                                                           | 49821                                                                                            |
| MADHYA PRADESH                                                                                   | 117913                                                                                           |
| MAHARASHTRA                                                                                      | 74039                                                                                            |
| MANIPUR                                                                                          | 1185                                                                                             |
| MEGHALAYA                                                                                        | 85                                                                                               |
| MIZORAM                                                                                          | 852                                                                                              |
| ODISHA                                                                                           | 143888                                                                                           |
| PUDUCHERRY                                                                                       | 6927                                                                                             |
| PUNJAB                                                                                           | 35416                                                                                            |
| RAJASTHAN                                                                                        | 137792                                                                                           |
| SIKKIM                                                                                           | 1239                                                                                             |
| TAMIL NADU                                                                                       | 237492                                                                                           |
| TELANGANA                                                                                        | 104                                                                                              |
| TRIPURA                                                                                          | 15377                                                                                            |
| UTTAR PRADESH                                                                                    | 355699                                                                                           |
| UTTARAKHAND                                                                                      | 17808                                                                                            |
| WEST BENGAL                                                                                      | 156013                                                                                           |

Annexure III

## Credit Guarantee Scheme for Subordinate Debt (CGSSD) state-wise Report

| Sr. No.   | State Name        | No. of Beneficiaries in terms of loans guaranteed   | No. of Beneficiaries in terms of loans guaranteed   |
|-----------|-------------------|-----------------------------------------------------|-----------------------------------------------------|
|           |                   | FY 2020-21                                          | 2021-22                                             |
| 1         | ANDHRA PRADESH    | 20                                                  | 10                                                  |
| 2         | ANDAMAN &NICOBAR  | 0                                                   | 1                                                   |
| 3         | ARUNACHAL PRADESH | 1                                                   | 0                                                   |
| 4         | ASSAM             | 8                                                   | 1                                                   |
| 5         | BIHAR             | 15                                                  | 2                                                   |
| 6         | CHANDIGARH        | 4                                                   | 3                                                   |
| 7         | CHHATTISGARH      | 10                                                  | 1                                                   |
| 8         | DAMAN&DIU         | 2                                                   | 0                                                   |
| 9         | DELHI             | 11                                                  | 10                                                  |
| 10        | GUJARAT           | 12                                                  | 12                                                  |
| 11        | HARYANA           | 4                                                   | 2                                                   |
| 12        | HIMACHAL PRADESH  | 10                                                  | 8                                                   |
| 13        | JAMMU &KASHMIR    | 18                                                  | 8                                                   |
| 14        | JHARKHAND         | 6                                                   | 15                                                  |
| 15        | KARNATAKA         | 32                                                  | 19                                                  |
| 16        | KERALA            | 10                                                  | 18                                                  |
| 17        | MADHYA PRADESH    | 35                                                  | 7                                                   |
| 18        | MAHARASHTRA       | 46                                                  | 36                                                  |
| 19        | MIZORAM           | 2                                                   | 0                                                   |
| 20        | ODISHA            | 23                                                  | 17                                                  |
| 21        | PUNJAB            | 46                                                  | 37                                                  |
| 22        | RAJASTHAN         | 4                                                   | 24                                                  |
| 23        | TAMILNADU         | 74                                                  | 15                                                  |
| 24        | TELANGANA         | 26                                                  | 7                                                   |
| 25        | UTTAR PRADESH     | 37                                                  | 24                                                  |
| 26        | UTTARAKHAND       | 2                                                   | 11                                                  |
| 27        | WEST BENGAL       | 15                                                  | 10                                                  |
| Total     | Total             | 473                                                 | 298                                                 |

## PM SVANidhi state-wise Report

| Sr. No.   | State Name          | No. of Beneficiaries in terms of loans guaranteed   | No. of Beneficiaries in terms of loans guaranteed   |
|-----------|---------------------|-----------------------------------------------------|-----------------------------------------------------|
|           |                     | 2020-21                                             | FY 2021-22                                          |
| 1         | ANDAMAN& NICOBAR    | 310                                                 | 209                                                 |
| 2         | ANDHRA PRADESH      | 88,994                                              | 1,00,712                                            |
| 3         | ARUNACHAL PRADESH   | 1,422                                               | 1,148                                               |
| 4         | ASSAM               | 9,475                                               | 44307.00                                            |
| 5         | BIHAR               | 17,276                                              | 29559.00                                            |
| 6         | CHANDIGARH          | 983                                                 | 2541.00                                             |
| 7         | CHHATTISGARH        | 27,361                                              | 21345.00                                            |
| 8         | DADRA& NAGAR HAVELI | 740                                                 | 421                                                 |
| 9         | DELHI               | 19,826                                              | 21267.00                                            |
| 10        | GOA                 | 814                                                 | 549.00                                              |
| 11        | GUJARAT             | 84,054                                              | 124130.00                                           |
| 12        | HARYANA             | 8,301                                               | 18700.00                                            |
| 13        | HIMACHAL PRADESH    | 1,094                                               | 2,635                                               |
| 14        | JAMMU &KASHMIR      | 999                                                 | 13,862                                              |
| 15        | JHARKHAND           | 16,721                                              | 12785.00                                            |
| 16        | KARNATAKA           | 79,162                                              | 67736.00                                            |
| 17        | KERALA              | 5,551                                               | 5216.00                                             |
| 18        | LADAKH              | 67                                                  | 234.00                                              |
| 19        | MADHYA PRADESH      | 2,13,966                                            | 2,83,431                                            |
| 20        | MAHARASHTRA         | 97,215                                              | 105774.00                                           |
| 21        | MANIPUR             | 3,523                                               | 5037.00                                             |
| 22        | MEGHALAYA           | 217                                                 | 400.00                                              |
| 23        | MIZORAM             | 81                                                  | 469.00                                              |
| 24        | NAGALAND            | 935                                                 | 671.00                                              |
| 25        | ORISSA              | 19,802                                              | 15,260                                              |
| 26        | PONDICHERRY         | 927                                                 | 389.00                                              |
| 27        | PUNJAB              | 13,506                                              | 25428.00                                            |
| 28        | RAJASTHAN           | 36,164                                              | 30282.00                                            |
| 29        | SIKKIM              | -                                                   | 1.00                                                |
| 30        | TAMILNADU           | 64,604                                              | 95812.00                                            |
| 31        | TELANGANA           | 2,28,644                                            | 145769.00                                           |
| 32        | TRIPURA             | 776                                                 | 2318.00                                             |
| 33        | UTTAR PRADESH       | 3,97,124                                            | 3,89,960                                            |
| 34        | UTTARAKHAND         | 5,141                                               | 5581.00                                             |
| 35        | WEST BENGAL         | 1,491                                               | 11,612                                              |
|           | GRAND TOTAL         | 1447266                                             | 1585550                                             |

## Annexure IV