Lok Sabha Question No. 772 (UNSTARRED), answered on 2022-02-07
Subject: Bank Credit Schemes
Ministry: FINANCE
Asked by: Badruddin Ajmal

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

## LOK SABHA

## UNSTARRED QUESTION NO. 772

TO BE ANSWERED ON THE 7 TH  FEBRUARY 2022/ MAGHA 18, 1943 (SAKA)

## Bank Credit Schemes

## 772. SHRI M. BADRUDDIN AJMAL:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the schemes being run by different banks in different States for the purpose of providing credit to unemployed youths at present;
- (b) the  details  of  the  number  of  beneficiaries  of  such  self-employed  schemes  during  the  last  three  years, State/Bank-wise;
- (c) whether the Government provides any assistance to banks for such schemes; and
- (d) if so, the details thereof?

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

(a) to (d): Banks provide loans under various credit-linked schemes of Government, under which unemployed youth may  also  avail  credit  facilities,  for  productive  purposes.  Unemployed  youth,  amongst  others,  may  avail  credit facilities for self-employment under various Government run schemes, which include, inter alia, the following -

- i. Prime  Minister  Employment  Generation  Program  (PMEGP) to  bring  together  widely  dispersed  traditional artisans/ rural and urban unemployed youth and give them self-employment opportunities to the extent possible, at their place, wherein financial assistance is provided to the borrowers in the form of margin money subsidy of upto 35% of the project cost;
- ii. Deendayal  Antyodaya  Yojana-National  Urban  Livelihoods  Mission  (DAY-NULM) scheme  through  its  Self Employment  Program  (SEP)  for  providing  financial  assistance  through  easy  access  to  credit  to individuals/groups including street vendors /hawkers of urban poor for setting up gainful self-employment ventures /micro-enterprises, suited to their skills, training, aptitude and local conditions, wherein financial assistance is provided in the form of interest subvention of interest charged above 7%, with an additional interest subvention of 3% available on prompt repayment;
- iii. Deendayal  Antyodaya  Yojana-National  Rural  Livelihoods  Mission  (DAY-NRLM) scheme  enables  bank  credit access  to  eligible  beneficiaries  for  productive  purposes  on  all  credit  from  banks/financial  institutions availed under the scheme, wherein financial assistance is provided in the form of interest subvention of interest charged above 7% subject to a maximum of 5.5%, with an additional interest subvention of 3% available on prompt repayment;
- iv. Pradhan Mantri Mudra Yojaya (PMMY) to create an inclusive, sustainable and value based entrepreneurial culture, in collaboration with our partner institutions in achieving economic success and financial security, wherein financial assistance is provided in the form of interest subvention of 2% for a period of 12 months for credit availed under Shishu loan category of the scheme and credit guarantee cover of National Credit Guarantee Trustee Company Limited (NCGTC) for all categories of loans availed under the scheme; and
- v. Stand-up India to promote entrepreneurship at grass root level for economic empowerment and job creation, wherein financial assistance is provided in the form of margin money subsidy upto 15% of the project cost through  Credit  Linked  Capital  Subsidy  Scheme  for  Technology  Upgradation  along  with  various  other subsidies available under different schemes of Government and credit guarantee cover of NCGTC.

Further, as per inputs from Public Sector Banks, the bank-wise and state-wise details of number of total beneficiaries under above mentioned five schemes for last three years is as per Annex .

## ANSWER

## Annex

## Number of total beneficiaries in last three years viz. FY2018-19, FY2019-20, FY2020-21 -Bank-wise and State-wise

| State/Union-territory                |   Bank of Baroda |   Bank of India |   Bank of Maharashtra |   Canara Bank |   Central Bank of India |   Indian Bank |   Indian Overseas Bank |   Punjab National Bank |   Punjab &Sind Bank |   State Bank of India |   UCO Bank |   Union Bank of India |
|--------------------------------------|------------------|-----------------|-----------------------|---------------|-------------------------|---------------|------------------------|------------------------|---------------------|-----------------------|------------|-----------------------|
| Andaman and Nicobar Islands          |              246 |              67 |                     0 |           894 |                     125 |          1158 |                    152 |                    218 |                   0 |                  2056 |        128 |                    58 |
| Andhra Pradesh                       |           697843 |          188338 |                 26699 |        578279 |                   39482 |        390189 |                 120334 |                  31630 |                 648 |                341380 |      22494 |                275560 |
| Arunachal Pradesh                    |              398 |             572 |                   171 |          1342 |                    1215 |           683 |                    110 |                    735 |                  90 |                  4186 |        242 |                    40 |
| Assam                                |            26735 |           13336 |                 23574 |         39854 |                   34066 |         27776 |                   5760 |                  95605 |                1255 |                 40518 |      47553 |                  9064 |
| Bihar                                |           943538 |          146362 |                 73558 |        104775 |                  132801 |         60729 |                   9300 |                 202349 |                1056 |                119601 |     140637 |                 21457 |
| Chandigarh                           |             1466 |            1328 |                   772 |          2391 |                    1493 |          1044 |                    510 |                   3929 |                 883 |                  1220 |       2456 |                  1221 |
| Chhattisgarh                         |           231432 |           23176 |                 31103 |         31700 |                   51116 |         17329 |                  13212 |                  43538 |                3048 |                 38533 |      19013 |                  9667 |
| Dadra & Nagar Haveli and Daman & Diu |             4469 |             279 |                    43 |           719 |                     204 |             0 |                     71 |                    809 |                   0 |                    51 |        529 |                   244 |
| Delhi                                |            12905 |           10479 |                  2208 |         28350 |                    6187 |         71239 |                   6297 |                  39147 |                4652 |                   236 |      10676 |                 14438 |
| Goa                                  |             7314 |            5655 |                  4728 |         10230 |                    4166 |           991 |                   2421 |                   1320 |                 105 |                  9948 |       1030 |                  8051 |
| Gujarat                              |           616367 |           72947 |                 26140 |         34401 |                   27937 |         20798 |                  16630 |                  27941 |                1753 |                   881 |      24860 |                 41495 |
| Haryana                              |            14836 |           10800 |                 22069 |         79407 |                   23555 |         13809 |                   7512 |                 116563 |                9771 |                 70865 |      29648 |                 19467 |
| Himachal Pradesh                     |             8837 |            2743 |                   611 |         17216 |                   11590 |          2436 |                   1444 |                 102059 |                3178 |                 14240 |      38068 |                  2438 |
| Jammu and Kashmir                    |              996 |            1133 |                     1 |         10611 |                    3358 |          8966 |                    300 |                  18643 |                1139 |                 12897 |       3575 |                  1496 |
| Jharkhand                            |           107422 |          235332 |                 31482 |         61702 |                   23816 |         63793 |                   9100 |                  49775 |                2072 |                  8145 |      25500 |                 12480 |
| Karnataka                            |           946347 |           68752 |                125317 |        618334 |                   16945 |         36590 |                  49898 |                  12356 |                 643 |                 30641 |      15144 |                 75215 |
| Kerala                               |           159178 |           32890 |                 66417 |        376474 |                   17784 |         71556 |                  78703 |                  32278 |                 200 |                102578 |      15608 |                 44047 |
| Ladakh                               |              204 |               0 |                     0 |            46 |                    3334 |             0 |                      0 |                    274 |                   0 |                 39002 |          0 |                     0 |
| Lakshadweep                          |                0 |               0 |                     0 |          2788 |                       0 |             0 |                      0 |                      1 |                   0 |                    89 |        100 |                     0 |
| Madhya Pradesh                       |            81152 |          189005 |                118064 |         88919 |                  173773 |         39113 |                  14103 |                  89274 |                6146 |                   660 |      41006 |                 66132 |
| Maharashtra                          |           321644 |          273251 |                364556 |        114981 |                   79375 |         49280 |                  25902 |                  39648 |                2109 |                228217 |      28446 |                 64387 |
| Manipur                              |             5293 |            2322 |                   283 |          1450 |                    2425 |          2464 |                   1123 |                   5813 |                 440 |                144346 |       4713 |                    96 |
| Meghalaya                            |             1314 |             887 |                   663 |          3550 |                     843 |           517 |                    428 |                   1465 |                  81 |                 10872 |        772 |                   423 |
| Mizoram                              |              504 |             440 |                   132 |          1192 |                     528 |             0 |                    122 |                    531 |                  99 |                  5414 |        952 |                    84 |
| Nagaland                             |             3992 |             743 |                   180 |           778 |                    2335 |          2196 |                    182 |                    606 |                 111 |                  3897 |       2757 |                   193 |
| Odisha                               |           272249 |          120675 |                 98170 |        122902 |                   43334 |         73180 |                  62195 |                 109419 |                2609 |                  8003 |     101574 |                 33166 |
| Puducherry                           |             3217 |            5915 |                  6716 |          6534 |                     416 |         38249 |                  11623 |                   2150 |                 112 |                119723 |       3142 |                  1813 |
| Punjab                               |            23129 |           31152 |                 30200 |         74347 |                   22622 |         25731 |                  10394 |                 163332 |               60435 |                  1248 |      49034 |                 18855 |
| Rajasthan                            |           515562 |           39525 |                 39365 |         52350 |                   31828 |         11138 |                  10923 |                 142474 |                6846 |                 17416 |      59286 |                 17090 |
| Sikkim                               |              299 |             397 |                   143 |          1506 |                    2432 |           922 |                    750 |                    795 |                 121 |                 61991 |        899 |                  1057 |
| Tamil Nadu                           |           178577 |          124842 |                199906 |        541860 |                   37286 |        842945 |                 666288 |                  48928 |                1083 |                  1946 |      27636 |                131756 |
| Telangana                            |           168944 |           43183 |                  9129 |        198718 |                   18664 |         97187 |                  38973 |                  24844 |                 351 |                 57307 |      14277 |                120256 |
| Tripura                              |             1798 |            4121 |                  9931 |          6291 |                     873 |           739 |                    747 |                  19046 |                 174 |                280439 |       7820 |                   963 |
| Uttar Pradesh                        |           560767 |          232642 |                 67893 |        290590 |                  102783 |        167138 |                  34256 |                 317649 |               26016 |                  5749 |      79182 |                179768 |
| Uttarakhand                          |            43420 |           13047 |                  1221 |         29959 |                    6371 |          5092 |                   8628 |                  61463 |                4266 |                167172 |      12070 |                 11033 |
| West Bengal                          |           296152 |          156170 |                 34041 |        115562 |                  115369 |        228469 |                  38396 |                 731817 |                2698 |                 21461 |     174957 |                 17095 |

Source: Public Sector Banks.