Lok Sabha Question No. 2894 (UNSTARRED), answered on 2021-08-05
Subject: MSME Beneficiary under ECLGS
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Naranbhai Bhikhabhai Kachhadiya, Parbatbhai Savabhai Patel, Sumedhanand Saraswati

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

## LOK SABHA UNSTARRED QUESTION NO. 2894 TO BE ANSWERED ON 05.08.2021

## MSME Beneficiary under ECLGS

2894.               SHRI NARANBHAI KACHHADIYA: SHRI PARBATBHAI SAVABHAI PATEL: SHRI SUMEDHANAND SARASWATI:

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

- (a) the  details  of  the  Emergency  Credit  Line  Guarantee  Scheme  (ECLGS)  launched  by  the Union Government;
- (b) the  details  of  various  categories  of  MSME  beneficiaries  under  the  scheme,  State-wise including Gujarat;
- (c) whether  the  Government  has  provided  the  incentives  to  the  eligible  MSMEs  and  those found affected by Covid-19 under the said scheme and if so, the details thereof;
- (d) whether the Government has any proposal to exempt beneficiaries from capital gain tax under the said scheme keeping in view the Covid impact; and
- (e) if so, the details thereof?

## ANSWER

## MINISTER OF MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI NARAYAN RANE)

(a) to (c): Emergency Credit Line Guarantee Scheme (ECLGS) was announced as part of the Atma Nirbhar Bharat Package in 2020 with the objective to help businesses including MSMEs to meet  their  operational  liabilities  and  resume  businesses  in  view  of  the  distress  caused  by  the COVID-19 crisis, by providing Member Lending Institutions 100 percent guarantee against any losses suffered by them due to non-repayment of the ECLGS funding by borrowers. The interest rate  under  the  scheme  was  capped  at  9.25  percent  for  Banks  and  Financial  Institutions  and  14 percent  for  Non-Banking  Financial  Institutions.  The  overall  ceiling  initially  announced  for ECLGS  was  Rs  3  lakh  crore  which  was  subsequently  enhanced  to  Rs  4.5  lakh    crore.    The eligibility criteria for availing credit under ECLGS are:

-  For ECLGS 1.0, MSME units, Business Enterprises, Mudra Borrower and individual loans for business purpose having loan outstanding upto Rs.50 crore and days past due upto 60 days as on 29.02.2020.
-  For  ECLGS  2.0,  Borrower  belonging  to  26  stressed  sectors  identified  by  Kamath Committee  &  Healthcare  sector  having  loan  outstanding  above  Rs.50  crore  and  upto Rs.500 crore and days past due upto 60 days as on 29.02.2020.
-  For ECLGS 3.0 Borrower belonging to Hospitality, Travel & Tourism, Leisure & Sporting and Civil Aviation sector having days past upto 60 days as on 29.02.2020.
-  For ECLGS  4.0 Existing Hospitals/Nursing Homes/Clinics/Medical Colleges/units engaged  in  manufacturing  of  liquid  oxygen,  oxygen  cylinders  etc.  having  credit  facility with a lending institution with days past due upto 90 days as on March 31, 2021.

The  details  of  number  of  beneficiary  under  this  scheme,  category-wise  and  state-wise including Gujarat are at Annexure I and II respectively.

(d)  & (e): As informed by Ministry of Finance, Department of Revenue, no such proposal is under consideration.

****

Annexure  I  referred  to  part  (a)  to  (c)  of  the  Lok  Sabha  Unstarred  Question  No.  2894  due  for answer on 05.08.2021

| Sector-wise guarantees issued under ECLGS as on 2 nd July, 2021   | Sector-wise guarantees issued under ECLGS as on 2 nd July, 2021   | Sector-wise guarantees issued under ECLGS as on 2 nd July, 2021   |
|-------------------------------------------------------------------|-------------------------------------------------------------------|-------------------------------------------------------------------|
| Entity Type Wise Guarantee Issued                                 | Guarantee Nos.                                                    | Guarantee Amount (Cr)                                             |
| Micro                                                             | 10192105                                                          | 63524.57                                                          |
| Small                                                             | 464086                                                            | 63243.36                                                          |
| Medium                                                            | 258970                                                            | 39097.63                                                          |
| Other Business Enterprises                                        | 516680                                                            | 82906.96                                                          |
| Total                                                             | 11431841                                                          | 248772.52                                                         |
| Source- Department of Financial Services /NCGTC                   | Source- Department of Financial Services /NCGTC                   | Source- Department of Financial Services /NCGTC                   |

| Annexure-II Annexure II referred to part (a) to (c) of the Lok Sabha Question No. 2894, Answer Date :   | Annexure-II Annexure II referred to part (a) to (c) of the Lok Sabha Question No. 2894, Answer Date :   | Annexure-II Annexure II referred to part (a) to (c) of the Lok Sabha Question No. 2894, Answer Date :   | Annexure-II Annexure II referred to part (a) to (c) of the Lok Sabha Question No. 2894, Answer Date :   |
|---------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|
| State-wise guarantees issued under ECLGS as on 2 nd July, 2021                                          | State-wise guarantees issued under ECLGS as on 2 nd July, 2021                                          | State-wise guarantees issued under ECLGS as on 2 nd July, 2021                                          | State-wise guarantees issued under ECLGS as on 2 nd July, 2021                                          |
| SI. No.                                                                                                 | Name of State/UT                                                                                        | Number of guarantees issued                                                                             | Guarantee Amount (In Rs crore)                                                                          |
| 1                                                                                                       | Andaman &Nicobar                                                                                        | 1998                                                                                                    | 103.82                                                                                                  |
| 2                                                                                                       | Andhra Pradesh                                                                                          | 280195                                                                                                  | 8947.14                                                                                                 |
| 3                                                                                                       | Arunachal Pradesh                                                                                       | 2261                                                                                                    | 74.23                                                                                                   |
| 4                                                                                                       | Assam                                                                                                   | 540345                                                                                                  | 2792.03                                                                                                 |
| 5                                                                                                       | Bihar                                                                                                   | 799969                                                                                                  | 3981.21                                                                                                 |
| 6                                                                                                       | Chandigarh                                                                                              | 6444                                                                                                    | 909.88                                                                                                  |
| 7                                                                                                       | Chhattisgarh                                                                                            | 195666                                                                                                  | 4247.22                                                                                                 |
| 8                                                                                                       | Dadra &Nagar Haveli                                                                                     | 2111                                                                                                    | 301.97                                                                                                  |
| 9                                                                                                       | Daman &Diu                                                                                              | 926                                                                                                     | 128.04                                                                                                  |
| 10                                                                                                      | Delhi                                                                                                   | 98686                                                                                                   | 16131.91                                                                                                |
| 11                                                                                                      | Goa                                                                                                     | 12127                                                                                                   | 951.95                                                                                                  |
| 12                                                                                                      | Gujarat                                                                                                 | 357208                                                                                                  | 23073.15                                                                                                |
| 13                                                                                                      | Haryana                                                                                                 | 194444                                                                                                  | 11810.1                                                                                                 |
| 14                                                                                                      | Himachal Pradesh                                                                                        | 46906                                                                                                   | 1603.29                                                                                                 |
| 15                                                                                                      | Jammu &Kashmir                                                                                          | 66828                                                                                                   | 2009.71                                                                                                 |
| 16                                                                                                      | Jharkhand                                                                                               | 289769                                                                                                  | 2747.85                                                                                                 |
| 17                                                                                                      | Karnataka                                                                                               | 856920                                                                                                  | 16837.74                                                                                                |
| 18                                                                                                      | Kerala                                                                                                  | 517451                                                                                                  | 8124.75                                                                                                 |
| 19                                                                                                      | Ladakh                                                                                                  | 1004                                                                                                    | 45.88                                                                                                   |
| 20                                                                                                      | Laksha Deep                                                                                             | 369                                                                                                     | 1.91                                                                                                    |
| 21                                                                                                      | Madhya Pradesh                                                                                          | 554995                                                                                                  | 7968.8                                                                                                  |
| 22                                                                                                      | Maharashtra                                                                                             | 985936                                                                                                  | 39976.98                                                                                                |
| 23                                                                                                      | Manipur                                                                                                 | 10301                                                                                                   | 123.81                                                                                                  |
| 24                                                                                                      | Meghalaya                                                                                               | 11075                                                                                                   | 208.47                                                                                                  |
| 25                                                                                                      | Mizoram                                                                                                 | 3738                                                                                                    | 55.46                                                                                                   |
| 26                                                                                                      | Nagaland                                                                                                | 7410                                                                                                    | 68.64                                                                                                   |
| 27                                                                                                      | Orissa                                                                                                  | 925628                                                                                                  | 4722.31                                                                                                 |
| 28                                                                                                      | Pondicherry                                                                                             | 21266                                                                                                   | 452.11                                                                                                  |
| 29                                                                                                      | Punjab                                                                                                  | 199545                                                                                                  | 8091.61                                                                                                 |
| 30                                                                                                      | Rajasthan                                                                                               | 533724                                                                                                  | 12830.82                                                                                                |
| 31                                                                                                      | Sikkim                                                                                                  | 8201                                                                                                    | 97.19                                                                                                   |
| 32                                                                                                      | Tamilnadu                                                                                               | 839374                                                                                                  | 26383.13                                                                                                |
| 33                                                                                                      | Telangana                                                                                               | 139888                                                                                                  | 10646.5                                                                                                 |
| 34                                                                                                      | Tripura                                                                                                 | 61360                                                                                                   | 249.43                                                                                                  |
| 35                                                                                                      | Uttar Pradesh                                                                                           | 788720                                                                                                  | 15539.88                                                                                                |
| 36                                                                                                      | Uttrakhand                                                                                              | 70347                                                                                                   | 2149.54                                                                                                 |
| 37 Total                                                                                                | West Bengal                                                                                             | 1998706 11431841                                                                                        | 14384.05 248772.5                                                                                       |
|                                                                                                         |                                                                                                         | Source- Department of Financial Services/NCGTC                                                          | Source- Department of Financial Services/NCGTC                                                          |