Lok Sabha Question No. 89 (UNSTARRED), answered on 2023-02-02
Subject: MSME Udyam
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Dibyendu Adhikari

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

## LOK SABHA UNSTARRED QUESTION NO. 89 TO BE ANSWERED ON 02.02.2023

## MSME UDYAM

## 89.          SHRI DIBYENDU ADHIKARI:

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

- (a) the detail of funds allotted and sanctioned to Udyam/new registered firms during the last three years and the current year, State-wise break-up;
- (b) the present minimum and maximum collateral free bank credit guarantee amount for MSME Udyam  registered organisations along with the terms and conditions thereof;
- (c) the details of procedures and compliance in granting fund from Credit Guarantee Fund Trust to Micro and Small Enterprises (CGTMSE) therefor; and
- (d) the  condition  and  eligibility  to  avail  bank  credit  without  hassles  of  collaterals/third  party guarantees to startup organisations thereto?

## ANSWER

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

(a) to (d): The  Ministry  of  MSME  provides  funds  to  implementing  agencies  under  various schemes. Udyam Registration Certificate is used by enterprises to be classified as MSMEs and for availing benefits of Ministry of MSME's schemes and programmes. The major schemes that provide collateral  free  bank  credit  are  Emergency  Credit  Lined  Guarantee  Scheme  (ECLGS)  and  Credit Guarantee  Scheme (CGS) for Micro and Small Enterprises (MSEs). The details of the State wise guarantees issued during the last three years and the current year for the scheme ECLGS and Credit Guarantee Scheme (CGS) for MSEs are at Annexure I. Credit Guarantee Trust Fund for Micro and Small  Enterprises  (CGTMSE)  provides  guarantee  coverage  for  MSE  loans  including  startups  for loans  upto  Rs  2.00  crore  extended  by  its  Member  Lending  Institutions  (MLIs)  as  per  their  own procedures.

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## Annexure referred to in reply to part (a) to (d) of Lok Sabha Unstarred Question No. 89 for answer on 02.02.2023

(i) Number and Amount of Guarantees issued under Emergency Credit Lined Guarantee Scheme (ECLGS)

|                     | States/UTs data for ECLGS   | States/UTs data for ECLGS          | States/UTs data for ECLGS   | States/UTs data for ECLGS          | States/UTs data for ECLGS       | States/UTs data for ECLGS          |
|---------------------|-----------------------------|------------------------------------|-----------------------------|------------------------------------|---------------------------------|------------------------------------|
|                     | FY 2020-21                  | FY 2020-21                         | FY 2021-2022                | FY 2021-2022                       | FY (2022-2023) Till 31 Dec 2022 | FY (2022-2023) Till 31 Dec 2022    |
| State/UT            | No. of Guarantees Issued    | Loan Amount Guaranteed (Rs. In Cr) | No. of Guarantees Issued    | Loan Amount Guaranteed (Rs. In Cr) | No. of Guarantees Issued        | Loan Amount Guaranteed (Rs. In Cr) |
| Andaman &Nicobar    | 1,978                       | 96.01                              | 123                         | 44.55                              | 24                              | 13.11                              |
| Andhra Pradesh      | 2,53,111                    | 8,659.26                           | 37,711                      | 3,560.14                           | 3,033                           | 833.77                             |
| Arunachal Pradesh   | 2,228                       | 7,1.32                             | 159                         | 57.94                              | 44                              | 5.77                               |
| Assam               | 5,29,128                    | 2,715.09                           | 23,527                      | 807.08                             | 1,690                           | 269.54                             |
| Bihar               | 6,44,959                    | 3,784.61                           | 1,84,637                    | 1,194.56                           | 1,687                           | 186.42                             |
| Chandigarh          | 6,361                       | 895.1                              | 855                         | 326.46                             | 83                              | 56.23                              |
| Chhattisgarh        | 1,40,311                    | 41,03.2                            | 60,879                      | 1,727.35                           | 908                             | 302.39                             |
| Dadra &Nagar Haveli | 2,077                       | 271.86                             | 227                         | 151.72                             | 33                              | 31.04                              |
| Daman &Diu          | 916                         | 125.45                             | 125                         | 77.04                              | 6                               | 6.29                               |
| Delhi               | 90,794                      | 14,635.92                          | 15,266                      | 7,258.35                           | 1,154                           | 2,004.98                           |
| Goa                 | 11,801                      | 770.03                             | 1,092                       | 612.86                             | 241                             | 108.28                             |
| Gujarat             | 3,02,022                    | 22,379.3                           | 72,992                      | 9,441.03                           | 3,924                           | 2,709.07                           |
| Haryana             | 1,56,677                    | 10,976.94                          | 49,268                      | 4,542.64                           | 2,301                           | 1,113.55                           |
| Himachal Pradesh    | 45,983                      | 1,552.06                           | 5,411                       | 736.06                             | 885                             | 156.98                             |
| Jammu &Kashmir      | 66,719                      | 1,952.33                           | 1,815                       | 434.06                             | 465                             | 58.84                              |
| Jharkhand           | 2,40,920                    | 2,625.82                           | 62,180                      | 1,318.14                           | 1,518                           | 174.73                             |
| Karnataka           | 4,68,973                    | 15,934.82                          | 4,12,405                    | 6,649.7                            | 13,860                          | 1,331.62                           |
| Kerala              | 4,01,744                    | 7,799.9                            | 1,38,081                    | 3,331.45                           | 3,202                           | 851.38                             |
| Ladakh              | 999                         | 44.08                              | 34                          | 9.56                               | 2                               | 0.55                               |
| Lakshadweep         | 369                         | 1.91                               | 3                           | 0.19                               | 3                               | 0.1                                |
| Madhya Pradesh      | 3,95,932                    | 7,657.52                           | 1,76,278                    | 3,045.67                           | 2,184                           | 545.74                             |
| Maharashtra         | 8,85,638                    | 37,433.73                          | 1,34,338                    | 17,499.28                          | 10,380                          | 4,611.1                            |
| Manipur             | 10,259                      | 123.07                             | 322                         | 12.87                              | 31                              | 6.2                                |
| Meghalaya           | 11,030                      | 200.9                              | 487                         | 26.3                               | 49                              | 13.33                              |
| Mizoram             | 3,722                       | 54.88                              | 146                         | 9.3                                | 28                              | 0.34                               |
| Nagaland            | 7,396                       | 68.35                              | 171                         | 8.82                               | 32                              | 2.89                               |
| Orissa              | 8,80,435                    | 4,615.92                           | 58,979                      | 1,596.59                           | 7,178                           | 531.91                             |
| Pondicherry         | 14,303                      | 441.14                             | 8,523                       | 135.92                             | 427                             | 30.65                              |
| Punjab              | 1,90,074                    | 7,789.42                           | 28,339                      | 2,935.89                           | 2,310                           | 651.01                             |
| Rajasthan           | 3,05,790                    | 12,152.73                          | 2,49,571                    | 4,852.85                           | 2,542                           | 849.38                             |
| Sikkim              | 8,178                       | 92.95                              | 178                         | 33.88                              | 43                              | 4.53                               |
| Tamil nadu          | 6,53,638                    | 25,451.31                          | 2,46,453                    | 11,100.31                          | 12,523                          | 3,132.34                           |
| Telangana           | 1,31,772                    | 10,216.96                          | 15,032                      | 3,949.65                           | 1,234                           | 1,088.69                           |
| Tripura             | 60,471                      | 245.64                             | 2,178                       | 46.75                              | 201                             | 2.89                               |
| Uttar Pradesh       | 6,59,285                    | 15,117.75                          | 1,63,542                    | 5,479.09                           | 4,694                           | 1,333.29                           |
| Uttarakhand         | 66,139                      | 2,091.18                           | 8,494                       | 1,054.71                           | 603                             | 198.42                             |
| West Bengal         | 18,89,440                   | 13,850.95                          | 1,40,603                    | 5,308.9                            | 5,830                           | 944.81                             |
| Total               | 95,41,572                   | 2,36,999.41                        | 23,00,424                   | 99,377.66                          | 85,352                          | 24,162.16                          |

(ii) Number and Amount of Guarantees approved under Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs)

| State Wise data for CGTMSE   | State Wise data for CGTMSE   | State Wise data for CGTMSE   | State Wise data for CGTMSE   | State Wise data for CGTMSE   | State Wise data for CGTMSE   | State Wise data for CGTMSE   | State Wise data for CGTMSE   | State Wise data for CGTMSE   |
|------------------------------|------------------------------|------------------------------|------------------------------|------------------------------|------------------------------|------------------------------|------------------------------|------------------------------|
|                              | FY 19-20                     | FY 19-20                     | FY 20-21                     | FY 20-21                     | FY 21-22                     | FY 21-22                     | FY 22-23 (Till 31 Dec 2022)  | FY 22-23 (Till 31 Dec 2022)  |
| State / UT                   | No.                          | Amount (Rs. In Cr)           | No.                          | Amount (Rs. In Cr)           | No.                          | Amount (Rs. In Cr)           | No.                          | Amount (Rs. In Cr)           |
| Andaman& Nicobar             | 264                          | 29.45                        | 329                          | 24.65                        | 374                          | 35.12                        | 389                          | 31.85                        |
| Andhra Pradesh               | 50,562                       | 1,556.78                     | 1,63,610                     | 1,559.99                     | 49,848                       | 1,455.81                     | 1,90,268                     | 2,439.72                     |
| Arunachal Pradesh            | 415                          | 46.95                        | 464                          | 54.98                        | 628                          | 82.10                        | 725                          | 105.69                       |
| Assam                        | 14,070                       | 686.72                       | 12,158                       | 673.19                       | 14,918                       | 1,261.92                     | 15,164                       | 1,500.55                     |
| Bihar                        | 24,531                       | 1,303.32                     | 22,317                       | 1,086.40                     | 24,217                       | 1,661.23                     | 30,613                       | 2,428.50                     |
| Chandigarh                   | 1,778                        | 133.61                       | 1,274                        | 97.07                        | 1,382                        | 159.32                       | 1,213                        | 202.43                       |
| Chhattisgarh                 | 14,022                       | 705.70                       | 12,970                       | 551.96                       | 9,670                        | 775.50                       | 12,538                       | 1,118.68                     |
| Dadra &Nagar Haveli          | 256                          | 26.88                        | 402                          | 30.81                        | 303                          | 63.53                        | 238                          | 48.58                        |
| Daman &Diu                   | 191                          | 32.48                        | 324                          | 18.93                        | 144                          | 37.66                        | 91                           | 18.96                        |
| Delhi                        | 24,917                       | 2,182.94                     | 12,757                       | 1,557.20                     | 15,810                       | 2,768.64                     | 15,620                       | 3,375.06                     |
| Goa                          | 2,594                        | 183.07                       | 2,235                        | 134.84                       | 2,218                        | 173.50                       | 1,921                        | 214.26                       |
| Gujarat                      | 58,595                       | 3,859.49                     | 40,397                       | 2,959.55                     | 34,929                       | 4,835.69                     | 29,547                       | 5,672.25                     |
| Haryana                      | 25,916                       | 1,582.88                     | 18,499                       | 1,217.65                     | 22,285                       | 2,707.15                     | 22,000                       | 3,465.38                     |
| Himachal Pradesh             | 7,538                        | 436.78                       | 8,572                        | 487.35                       | 10,075                       | 791.91                       | 10,861                       | 905.20                       |
| Jammu &Kashmir               | 12,887                       | 416.03                       | 21,371                       | 714.46                       | 38,352                       | 1,295.17                     | 38,994                       | 1,346.55                     |
| Jharkhand                    | 15,340                       | 1,116.03                     | 14,996                       | 859.78                       | 12,953                       | 1,247.08                     | 14,908                       | 1,714.67                     |
| Karnataka                    | 68,572                       | 4,068.61                     | 50,974                       | 3,225.47                     | 41,028                       | 4,307.51                     | 37,195                       | 5,320.64                     |
| Kerala                       | 33,739                       | 1,248.12                     | 28,810                       | 1,005.27                     | 18,937                       | 1,104.28                     | 18,187                       | 1,401.33                     |
| Ladakh                       | 26                           | 2.46                         | 110                          | 12.37                        | 205                          | 22.85                        | 364                          | 34.59                        |
| Lakshadweep                  | 52                           | 0.91                         | 72                           | 2.05                         | 11                           | 0.69                         | 16                           | 2.05                         |
| Madhya Pradesh               | 40,822                       | 2,098.28                     | 60,835                       | 1,893.09                     | 64,108                       | 2,650.99                     | 36,234                       | 3,582.30                     |
| Maharashtra                  | 83,709                       | 5,807.82                     | 71,850                       | 4,415.75                     | 56,027                       | 6,839.63                     | 45,269                       | 8,034.05                     |
| Manipur                      | 939                          | 42.25                        | 830                          | 41.16                        | 1,294                        | 101.10                       | 1,739                        | 138.21                       |
| Meghalaya                    | 1,153                        | 70.46                        | 1,063                        | 60.31                        | 886                          | 92.75                        | 1,035                        | 114.25                       |
| Mizoram                      | 473                          | 29.06                        | 431                          | 30.09                        | 1,029                        | 86.33                        | 628                          | 51.63                        |
| Nagaland                     | 917                          | 60.95                        | 1,120                        | 68.40                        | 1,692                        | 139.48                       | 1,491                        | 126.98                       |
| Odisha                       | 26,167                       | 1,347.05                     | 28,288                       | 1,133.71                     | 25,788                       | 1,801.05                     | 24,229                       | 2,089.93                     |
| Puducherry                   | 1,578                        | 80.41                        | 1,588                        | 66.60                        | 1,013                        | 74.30                        | 882                          | 79.08                        |
| Punjab                       | 24,542                       | 1,022.21                     | 20,379                       | 865.25                       | 23,172                       | 1,660.53                     | 33,202                       | 2,847.20                     |
| Rajasthan                    | 41,289                       | 1,997.79                     | 32,883                       | 1,440.58                     | 38,622                       | 2,552.89                     | 50,055                       | 3,698.10                     |
| Sikkim                       | 435                          | 22.92                        | 340                          | 15.50                        | 479                          | 34.00                        | 515                          | 40.80                        |
| Tamilnadu                    | 89,725                       | 4,352.82                     | 61,535                       | 3,343.95                     | 44,897                       | 4,133.60                     | 43,312                       | 4,803.78                     |
| Telangana                    | 39,162                       | 2,211.72                     | 22,021                       | 1,407.78                     | 24,009                       | 1,958.98                     | 22,315                       | 2,456.43                     |
| Tripura                      | 1,378                        | 53.67                        | 1,673                        | 57.90                        | 2,020                        | 115.09                       | 2,439                        | 137.73                       |
| Uttar Pradesh                | 89,271                       | 4,154.02                     | 78,655                       | 3,726.70                     | 86,616                       | 5,628.12                     | 91,908                       | 7,381.40                     |
| Uttarakhand                  | 11,158                       | 482.19                       | 9,671                        | 440.95                       |                              |                              | 10,624                       | 773.36                       |
| West Bengal                  | 37,667                       | 2,398.35                     | 29,789                       |                              | 10,048                       | 629.28                       | 36,872                       | 4,141.08                     |
|                              |                              | 45,851.22                    |                              | 1,617.68                     | 37,033                       | 2,887.09                     |                              |                              |
| Total                        | 8,46,650                     |                              | 8,35,592                     | 36,899.39                    | 7,17,020                     | 56,171.87                    | 8,43,601                     | 71,843.26                    |

Source: Credit Guarantee Fund Trust for Micro and Small Enterprises  (CGTMSE)