Lok Sabha Question No. 3476 (UNSTARRED), answered on 2025-08-11
Subject: Skill Loan Scheme for Uttar Pradesh
Ministry: SKILL DEVELOPMENT AND ENTREPRENEURSHIP
Asked by: Shri Pushpendra Saroj

## GOVERNMENT OF INDIA MINISTRY OF SKILL DEVELOPMENT AND ENTREPRENEURSHIP

## LOK SABHA UNSTARRED QUESTION NO. 3476

ANSWERED ON 11.08.2025

## SKILL LOAN SCHEME FOR UTTAR PRADESH

## 3476.  SHRI PUSHPENDRA SAROJ

Will the Minister of SKILL DEVELOPMENT AND ENTREPRENEURSHIP be pleased to state:

- (a) the details of the number of individuals in Uttar Pradesh availed loan facility under the Skill Loan Scheme SC, ST, OBC, General categories and year-wise;
- (b) the number of loans sanctioned and amount released for Uttar Pradesh, categories and year-wise;
- (c) the  details  regarding  the  number  of  defaults  occurred  in  loan  repayment  in  Uttar Pradesh, along with the details of the amount of credit guarantee released for defaulting loans, categories, year-wise; and
- (d) whether the revised Model loan scheme is operational and if so, the details regarding the number of individuals availed the scheme, district, year and category-wise ?

## ANSWER

THE  MINISTER  OF  STATE  (INDEPENDENT  CHARGE)  IN  THE  MINISTRY  OF  SKILL DEVELOPMENT AND ENTREPRENEURSHIP

(SHRI JAYANT CHAUDHARY)

(a) to (d): The Skill Loan Scheme was circulated on 10th July, 2015 by Indian Banks' Association (IBA)  to its member banks for its adoption while extending loan for vocational education and training courses. Ministry of Skill Development and Entrepreneurship (MSDE) notified  Credit  Guarantee  Fund  Scheme  for  Skill  Development  (CGFSSD)  on  10th November, 2015 to provide guarantee cover to Skill Loan Scheme to the extent of 75% of the amount in default to the member lending institutions.

CGFSSD was revised and notified on 9 th  July 2024 to enhance the coverage of the scheme and to provide access to skill trainees/candidates to wide range of high-end courses without any financial constraints.  The  major changes in modified CGFSSD inter-alia include the increase  in  maximum loan  limit  to  Rs.  7.5  lakh,  inclusion  of  non-NSQF  aligned  courses delivered through Skill India Digital Hub (SIDH), and inclusion of NBFCs/ NBFC-MFIs and Small Finance Banks as the member lending institutions.

Year-wise  &  Category-wise  details  of  number  of  loan  covered  and  amount  sanctioned under  CGFSSD in Uttar Pradesh since inception till 31.07.2025  are given at Annexure-I .

Year-wise  &  Category-wise  details  of  loan  account  turned  NPA   and  guarantee  claims settled  under  CGFSSD  in  Uttar  Pradesh  since  inception  till  31.07.2025  are  given  at Annexure-II .

Category-wise and District-wise details of number of loan and amount sanctioned under CGFSSD in Uttar Pradesh since modification till 31.07.2025 are given at Annexure-III .

ANNEXURES REFERRED TO IN REPLY TO PART (a) to (d) OF LOK SABHA UNSTARRED QUESTION NO. 3476 ANSWERED ON 11.08.2025 REGARDING 'SKILL LOAN SCHEME FOR UTTAR PRADESH' Annexure-I Year-wise & Category-wise number of loan and amount sanctioned under CGFSSD

## in Uttar Pradesh since inception till 31.07.2025

|                           | No of Loan A/c Guaranteed   | No of Loan A/c Guaranteed   | No of Loan A/c Guaranteed   | No of Loan A/c Guaranteed   | Amount of Loans Guaranteed (Rs Lakh)   | Amount of Loans Guaranteed (Rs Lakh)   | Amount of Loans Guaranteed (Rs Lakh)   | Amount of Loans Guaranteed (Rs Lakh)   |
|---------------------------|-----------------------------|-----------------------------|-----------------------------|-----------------------------|----------------------------------------|----------------------------------------|----------------------------------------|----------------------------------------|
| Financial Year            | General                     | OBC                         | SC                          | ST                          | General                                | OBC                                    | SC                                     | ST                                     |
| 2016-17                   | 23                          | 36                          | 10                          | 1                           | 15.91                                  | 18.25                                  | 5.63                                   | 0.50                                   |
| 2017-18                   | 27                          | 2                           | 3                           | 0                           | 27.70                                  | 1.88                                   | 3.82                                   | 0.00                                   |
| 2018-19                   | 28                          | 8                           | 3                           | 0                           | 34.80                                  | 10.79                                  | 3.72                                   | 0.00                                   |
| 2019-20                   | 36                          | 12                          | 3                           | 0                           | 46.70                                  | 15.97                                  | 3.75                                   | 0.00                                   |
| 2020-21                   | 15                          | 3                           | 2                           | 0                           | 19.73                                  | 4.00                                   | 2.15                                   | 0.00                                   |
| 2021-22                   | 4                           | 2                           | 0                           | 0                           | 4.76                                   | 2.80                                   | 0.00                                   | 0.00                                   |
| 2022-23                   | 15                          | 9                           | 3                           | 0                           | 17.80                                  | 8.97                                   | 2.27                                   | 0.00                                   |
| 2023-24                   | 6                           | 2                           | 1                           | 0                           | 7.27                                   | 1.55                                   | 1.25                                   | 0.00                                   |
| 2024-25                   | 13                          | 6                           | 1                           | 0                           | 10.34                                  | 5.72                                   | 0.45                                   | 0.00                                   |
| 2025-26(up to 31.07.2025) | 4                           | 1                           | 0                           | 0                           | 1.83                                   | 4.00                                   | 0.00                                   | 0.00                                   |
| Overall                   | 171                         | 81                          | 26                          | 1                           | 186.84                                 | 73.93                                  | 23.04                                  | 0.50                                   |

## Annexure-II

Year-wise & Category-wise loan account turned NPA and guarantee claims settled under CGFSSD in Uttar Pradesh since inception till 31.07.2025

| Financial Year   | No. of Accounts Turned NPA   | No. of Accounts Turned NPA   | No. of Accounts Turned NPA   | No. of Accounts Turned NPA   | Amount of Claims Settled (Rs Lakh)   | Amount of Claims Settled (Rs Lakh)   | Amount of Claims Settled (Rs Lakh)   | Amount of Claims Settled (Rs Lakh)   |
|------------------|------------------------------|------------------------------|------------------------------|------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|
|                  | General                      | OBC                          | SC                           | ST                           | General                              | OBC                                  | SC                                   | ST                                   |
| 2016-17          | 9                            | 23                           | 7                            | 1                            | 0.00                                 | 0.00                                 | 0.00                                 | 0.00                                 |
| 2017-18          | 3                            | 1                            | 1                            | 0                            | 0.00                                 | 0.00                                 | 1.23                                 | 0.00                                 |
| 2018-19          | 7                            | 3                            | 2                            | 0                            | 3.57                                 | 2.39                                 | 2.55                                 | 0.00                                 |
| 2019-20          | 16                           | 4                            | 3                            | 0                            | 11.51                                | 3.66                                 | 2.86                                 | 0.00                                 |
| 2020-21          | 6                            | 0                            | 0                            | 0                            | 2.44                                 | 0.00                                 | 0.00                                 | 0.00                                 |
| 2022-23          | 1                            | 2                            | 0                            | 0                            | 0.54                                 | 0.54                                 | 0.00                                 | 0.00                                 |
| 2023-24          | 0                            | 1                            | 0                            | 0                            | 0.00                                 | 0.00                                 | 0.00                                 | 0.00                                 |
| Overall          | 42                           | 34                           | 13                           | 1                            | 18.06                                | 6.59                                 | 6.65                                 | 0.00                                 |

Annexure-III Category-wise  and  District-wise  number  of  loan  and  amount  sanctioned  under CGFSSD in Uttar Pradesh since modification till 31.07.2025

| Districts of Uttar Pradesh   | No of Loan A/c Guaranteed   | No of Loan A/c Guaranteed   | No of Loan A/c Guaranteed   | No of Loan A/c Guaranteed   | Amount of Loans Guaranteed (Rs Thousand)   | Amount of Loans Guaranteed (Rs Thousand)   | Amount of Loans Guaranteed (Rs Thousand)   | Amount of Loans Guaranteed (Rs Thousand)   |
|------------------------------|-----------------------------|-----------------------------|-----------------------------|-----------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|
| Districts of Uttar Pradesh   | General                     | OBC                         | SC                          | ST                          | General                                    | OBC                                        | SC                                         | ST                                         |
| Baghpat                      | 1                           | 0                           | 0                           | 0                           | 150.0                                      | 0.0                                        | 0.0                                        | 0.0                                        |
| Ballia                       | 1                           | 1                           | 0                           | 0                           | 60.0                                       | 139.7                                      | 0.0                                        | 0.0                                        |
| Budaun                       | 1                           | 0                           | 0                           | 0                           | 36.0                                       | 0.0                                        | 0.0                                        | 0.0                                        |
| Deoria                       | 1                           | 0                           | 0                           | 0                           | 40.0                                       | 0.0                                        | 0.0                                        | 0.0                                        |
| Fatehpur                     | 1                           | 0                           | 0                           | 0                           | 37.0                                       | 0.0                                        | 0.0                                        | 0.0                                        |
| Ghaziabad                    | 3                           | 0                           | 0                           | 0                           | 245.9                                      | 0.0                                        | 0.0                                        | 0.0                                        |
| Ghazipur                     | 1                           | 0                           | 0                           | 0                           | 50.0                                       | 0.0                                        | 0.0                                        | 0.0                                        |
| Jhansi                       | 0                           | 0                           | 1                           | 0                           | 0.0                                        | 0.0                                        | 45.0                                       | 0.0                                        |
| Kanpur Nagar                 | 1                           | 0                           | 0                           | 0                           | 36.0                                       | 0.0                                        | 0.0                                        | 0.0                                        |
| Kasganj (Kanshiram Nagar)    | 0                           | 1                           | 0                           | 0                           | 0.0                                        | 32.0                                       | 0.0                                        | 0.0                                        |
| Lucknow                      | 1                           | 1                           | 0                           | 0                           | 36.0                                       | 120.0                                      | 0.0                                        | 0.0                                        |
| Meerut                       | 2                           | 0                           | 0                           | 0                           | 120.0                                      | 0.0                                        | 0.0                                        | 0.0                                        |
| Moradabad                    | 1                           | 1                           | 0                           | 0                           | 60.0                                       | 150.0                                      | 0.0                                        | 0.0                                        |
| Pratapgarh                   | 0                           | 1                           | 0                           | 0                           | 0.0                                        | 400.0                                      | 0.0                                        | 0.0                                        |
| Sonbhadra                    | 0                           | 1                           | 0                           | 0                           | 0.0                                        | 60.0                                       | 0.0                                        | 0.0                                        |
| Uttar Pradesh                | 14                          | 6                           | 1                           | 0                           | 870.9                                      | 901.7                                      | 45.0                                       | 0.0                                        |

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