Lok Sabha Question No. 585 (UNSTARRED), answered on 2025-02-06
Subject: Credit to MSMEs
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Abhishek Banerjee

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

## LOK SABHA UNSTARRED QUESTION NO. 585 TO BE ANSWERED ON 06.02.2025

## CREDIT TO MSMEs

## 585. SHRI ABHISHEK BANERJEE:

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

- (a) whether there  is  any  State-wise  data  on  Micro,  Small  and  Medium  Enterprises  (MSMEs)  credit activity during the years 2018-2024, if so, the details thereof,
- (b) the total number of collateral-based credit and non-collateral based credit of MSMEs from banks and NBFCs during the last five years; and
- (c) whether there is any data on the MSMEs which have availed the Extended Credit Line Guarantee Scheme (ECLGS) introduced by the Government, if so, the details thereof and if not, the reasons therefor?

## ANSWER

## MINISTRY OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SUSHRI SHOBHA KARANDLAJE)

- (a): As  informed  by  Reserve  Bank  of  India  (RBI),  State-wise  details  of  Micro,  Small  and  Medium Enterprises (MSMEs) credit, during the years 2018-2024 are at Annexure.
- (b): As informed by RBI, the credit outstanding of  Scheduled Commercial  Banks  and Non-Banking Financial Companies to MSME sector has increased from Rs. 18.48 lakh crore as on 31.03.2020 to Rs. 31.70 lakh crore as on 31.03.2024.
- (c): A total of 1.14 crore guarantees were issued to MSMEs amounting to Rs. 2.43 lakh crore under Emergency Credit Line Guarantee Scheme (ECLGS). The scheme was operational till 31.03.2023.

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| Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. | Annexure, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 585 due for answer on 06.02.2025. |
| State/UT                                                                                                             | FY 2018-19                                                                                                           | FY 2018-19                                                                                                           | FY 2019-20                                                                                                           | FY 2019-20                                                                                                           | FY 2020-21                                                                                                           | FY 2020-21                                                                                                           | FY 2021-22                                                                                                           | FY 2021-22                                                                                                           | FY 2022-23                                                                                                           | FY 2022-23                                                                                                           | FY 2023-24                                                                                                           | FY 2023-24                                                                                                           |
| State/UT                                                                                                             | No. of accounts                                                                                                      | Credit O/s                                                                                                           | No. of accounts                                                                                                      | Credit O/s                                                                                                           | No. of accounts                                                                                                      | Credit O/s                                                                                                           | No. of accounts                                                                                                      | Credit O/s                                                                                                           | No. of accounts                                                                                                      | Credit O/s                                                                                                           | No. of accounts                                                                                                      | Credit O/s                                                                                                           |
| Andaman & Nicobar Islands                                                                                            | 7,954                                                                                                                | 688.05                                                                                                               | 7,177                                                                                                                | 718.93                                                                                                               | 8,196                                                                                                                | 786.59                                                                                                               | 7,260                                                                                                                | 769.05                                                                                                               | 6,168                                                                                                                | 914.82                                                                                                               | 8,248                                                                                                                | 989.97                                                                                                               |
| Andhra Pradesh                                                                                                       | 10,52,283                                                                                                            | 56,607.02                                                                                                            | 10,30,070                                                                                                            | 57,234.34                                                                                                            | 13,80,391                                                                                                            | 62,878.79                                                                                                            | 13,25,543                                                                                                            | 71,877.26                                                                                                            | 12,16,283                                                                                                            | 83,162.34                                                                                                            | 12,05,602                                                                                                            | 1,01,085.90                                                                                                          |
| Arunachal Pradesh                                                                                                    | 17,149                                                                                                               | 802.74                                                                                                               | 15,932                                                                                                               | 812.22                                                                                                               | 17,908                                                                                                               | 906.96                                                                                                               | 17,813                                                                                                               | 1,014.15                                                                                                             | 16,160                                                                                                               | 1,091.71                                                                                                             | 12,385                                                                                                               | 1,514.76                                                                                                             |
| Assam                                                                                                                | 14,45,649                                                                                                            | 18,880.27                                                                                                            | 14,55,657                                                                                                            | 20,259.55                                                                                                            | 17,85,818                                                                                                            | 22,698.71                                                                                                            | 5,94,283                                                                                                             | 20,837.48                                                                                                            | 4,62,413                                                                                                             | 24,120.24                                                                                                            | 3,56,711                                                                                                             | 28,729.48                                                                                                            |
| Bihar                                                                                                                | 17,50,294                                                                                                            | 27,736.26                                                                                                            | 22,93,252                                                                                                            | 29,784.55                                                                                                            | 25,16,394                                                                                                            | 33,303.92                                                                                                            | 10,62,034                                                                                                            | 34,002.47                                                                                                            | 8,79,969                                                                                                             | 40,029.60                                                                                                            | 12,35,454                                                                                                            | 51,766.42                                                                                                            |
| Chandigarh                                                                                                           | 66,654                                                                                                               | 10,538.07                                                                                                            | 68,610                                                                                                               | 11,074.47                                                                                                            | 50,982                                                                                                               | 9,729.48                                                                                                             | 40,820                                                                                                               | 11,968.00                                                                                                            | 40,377                                                                                                               | 12,605.26                                                                                                            | 46,686                                                                                                               | 14,634.23                                                                                                            |
| Chhattisgarh                                                                                                         | 5,30,287                                                                                                             | 23,229.65                                                                                                            | 7,04,189                                                                                                             | 23,107.35                                                                                                            | 7,41,705                                                                                                             | 25,988.89                                                                                                            | 4,42,821                                                                                                             | 31,919.39                                                                                                            | 3,62,590                                                                                                             | 36,423.07                                                                                                            | 3,93,578                                                                                                             | 43,694.34                                                                                                            |
| Dadra and Nagar Haveli                                                                                               | 6,702                                                                                                                | 842.33                                                                                                               | 9,377                                                                                                                | 764.2                                                                                                                | 10,985                                                                                                               | 1,186.64                                                                                                             | 5,756                                                                                                                | 1,160.42                                                                                                             | 5,200                                                                                                                | 1,356.75                                                                                                             | 9,576.00                                                                                                             | 2,345.29                                                                                                             |
| Daman and Diu                                                                                                        | 14,948                                                                                                               | 4,132.58                                                                                                             | 3,500                                                                                                                | 542.75                                                                                                               | 3,002                                                                                                                | 361.8                                                                                                                | 3,218                                                                                                                | 674.5                                                                                                                | 2,458                                                                                                                | 699.97                                                                                                               |                                                                                                                      |                                                                                                                      |
| Delhi                                                                                                                | 4,87,921                                                                                                             | 1,02,884.0 8                                                                                                         | 5,54,447                                                                                                             | 1,08,136.7 0                                                                                                         | 8,14,448                                                                                                             | 1,08,796.40                                                                                                          | 4,29,497                                                                                                             | 1,30,604.29                                                                                                          | 6,01,685                                                                                                             | 1,39,553.03                                                                                                          | 6,94,808                                                                                                             | 1,79,638.00                                                                                                          |
| Goa                                                                                                                  | 78,808                                                                                                               | 5,018.20                                                                                                             | 82,260                                                                                                               | 4,802.98                                                                                                             | 86,682                                                                                                               | 5,578.65                                                                                                             | 67,940                                                                                                               | 5,700.10                                                                                                             | 56,289                                                                                                               | 6,126.68                                                                                                             | 55,804                                                                                                               | 7,350.41                                                                                                             |
| Gujarat                                                                                                              | 12,60,076                                                                                                            | 1,19,505.5 0                                                                                                         | 14,35,543                                                                                                            | 1,28,908.0 9                                                                                                         | 14,63,071                                                                                                            | 1,46,872.76                                                                                                          | 10,29,259                                                                                                            | 1,85,075.74                                                                                                          | 8,72,574                                                                                                             | 2,11,808.82                                                                                                          | 11,90,375                                                                                                            | 2,51,504.11                                                                                                          |
| Haryana                                                                                                              | 6,70,123                                                                                                             | 54,908.77                                                                                                            | 8,14,372                                                                                                             | 55,912.05                                                                                                            | 8,64,237                                                                                                             | 62,457.67                                                                                                            | 6,57,014                                                                                                             | 80,103.24                                                                                                            | 4,78,190                                                                                                             | 97,119.95                                                                                                            | 6,75,411                                                                                                             | 1,22,258.78                                                                                                          |
| Himachal Pradesh                                                                                                     | 1,31,265                                                                                                             | 8,074.65                                                                                                             | 1,41,959                                                                                                             | 7,968.07                                                                                                             | 1,83,273                                                                                                             | 9,830.08                                                                                                             | 1,64,133                                                                                                             | 11,665.19                                                                                                            | 1,47,345                                                                                                             | 13,683.43                                                                                                            | 1,52,357                                                                                                             | 16,147.28                                                                                                            |
| Jammu and Kashmir                                                                                                    | 2,91,839                                                                                                             | 13,871.92                                                                                                            | 3,10,663                                                                                                             | 14,656.28                                                                                                            | 3,89,572                                                                                                             | 16,354.21                                                                                                            | 4,14,686                                                                                                             | 16,694.63                                                                                                            | 2,10,184                                                                                                             | 16,502.48                                                                                                            | 3,86,430                                                                                                             | 24,036.19                                                                                                            |
| Jharkhand                                                                                                            | 8,61,205                                                                                                             | 20,186.07                                                                                                            | 12,05,050                                                                                                            | 21,360.57                                                                                                            | 13,48,592                                                                                                            | 23,839.56                                                                                                            | 6,70,732                                                                                                             | 26,257.14                                                                                                            | 5,45,876                                                                                                             | 29,732.02                                                                                                            | 6,16,172                                                                                                             | 34,398.89                                                                                                            |
| Karnataka                                                                                                            | 20,89,956                                                                                                            | 89,094.96                                                                                                            | 24,35,339                                                                                                            | 90,853.38                                                                                                            | 24,32,454                                                                                                            | 1,06,007.59                                                                                                          | 15,48,199                                                                                                            | 1,26,575.65                                                                                                          | 12,82,732                                                                                                            | 1,40,027.83                                                                                                          | 16,06,834                                                                                                            | 1,65,082.73                                                                                                          |
| Kerala                                                                                                               | 12,58,792                                                                                                            | 53,146.38                                                                                                            | 14,06,420                                                                                                            | 59,657.07                                                                                                            | 15,46,010                                                                                                            | 60,200.80                                                                                                            | 14,49,329                                                                                                            | 67,543.53                                                                                                            | 11,18,040                                                                                                            | 76,807.52                                                                                                            | 11,31,598                                                                                                            | 85,221.33                                                                                                            |
| Lakshadweep                                                                                                          | 1,383                                                                                                                | 18.47                                                                                                                | 1,411                                                                                                                | 20.16                                                                                                                | 1,560                                                                                                                | 22.65                                                                                                                | 1,379                                                                                                                | 25.93                                                                                                                | 1,298                                                                                                                | 32.46                                                                                                                | 8,773                                                                                                                | 625.99                                                                                                               |

| Ladakh                                                                              |                                                                                     |                                                                                     |                                                                                     |                                                                                     |                                                                                     |                                                                                     |                                                                                     |                                                                                     |                                                                                     |                                                                                     | 1,104                                                                               | 745.13                                                                              |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|
| Madhya Pradesh                                                                      | 17,29,496                                                                           | 52,800.57                                                                           | 21,69,701                                                                           | 57,266.73                                                                           | 23,67,693                                                                           | 63,009.09                                                                           | 15,85,495                                                                           | 72,347.61                                                                           | 13,13,943                                                                           | 83,396.88                                                                           | 15,13,933                                                                           | 1,01,220.23                                                                         |
| Maharashtra                                                                         | 30,88,831                                                                           | 2,62,887.01                                                                         | 38,53,663                                                                           | 3,03,670.86                                                                         | 39,93,990                                                                           | 3,52,894.81                                                                         | 26,91,038                                                                           | 3,39,446.16                                                                         | 21,85,924                                                                           | 3,80,301.18                                                                         | 29,81,426                                                                           | 4,25,437.84                                                                         |
| Manipur                                                                             | 57,007                                                                              | 973.31                                                                              | 79,278                                                                              | 1,066.15                                                                            | 89,386                                                                              | 1,153.81                                                                            | 45,456                                                                              | 1,159.81                                                                            | 30,910                                                                              | 1,429.85                                                                            | 37,248                                                                              | 1,534.83                                                                            |
| Meghalaya                                                                           | 38,890                                                                              | 1,053.48                                                                            | 46,266                                                                              | 1,130.63                                                                            | 53,065                                                                              | 1,237.84                                                                            | 25,300                                                                              | 1,334.84                                                                            | 16,742                                                                              | 1,467.25                                                                            | 20,923                                                                              | 1,834.20                                                                            |
| Mizoram                                                                             | 16,860                                                                              | 578.33                                                                              | 24,470                                                                              | 605.75                                                                              | 29,158                                                                              | 697.14                                                                              | 15,385                                                                              | 705.42                                                                              | 12,076                                                                              | 735.25                                                                              | 11,971                                                                              | 851.34                                                                              |
| Nagaland                                                                            | 26,313                                                                              | 690.91                                                                              | 38,917                                                                              | 775.1                                                                               | 43,753                                                                              | 863.59                                                                              | 17,287                                                                              | 880.93                                                                              | 15,877                                                                              | 1,059.01                                                                            | 22,012                                                                              | 1,268.83                                                                            |
| Odisha                                                                              | 14,37,968                                                                           | 31,449.27                                                                           | 19,48,945                                                                           | 33,983.61                                                                           | 20,88,797                                                                           | 36,311.11                                                                           | 12,03,237                                                                           | 39,905.15                                                                           | 8,91,645                                                                            | 45,128.43                                                                           | 8,81,934                                                                            | 53,516.04                                                                           |
| Puducherry                                                                          | 1,15,657                                                                            | 2,924.06                                                                            | 1,48,235                                                                            | 3,051.96                                                                            | 1,17,207                                                                            | 3,192.45                                                                            | 91,866                                                                              | 3,456.85                                                                            | 59,020                                                                              | 3,986.93                                                                            | 48,714                                                                              | 4,082.11                                                                            |
| Punjab                                                                              | 8,26,547                                                                            | 54,134.66                                                                           | 9,44,868                                                                            | 53,412.42                                                                           | 9,70,523                                                                            | 59,272.69                                                                           | 7,38,262                                                                            | 70,967.23                                                                           | 5,36,398                                                                            | 80,893.45                                                                           | 6,47,662                                                                            | 96,611.66                                                                           |
| Rajasthan                                                                           | 11,81,414                                                                           | 70,412.30                                                                           | 14,18,310                                                                           | 63,411.14                                                                           | 16,27,457                                                                           | 76,129.31                                                                           | 10,58,387                                                                           | 95,615.51                                                                           | 8,51,801                                                                            | 1,04,760.37                                                                         | 11,03,123                                                                           | 1,51,219.10                                                                         |
| Sikkim                                                                              | 1,62,232                                                                            | 1,067.98                                                                            | 25,619                                                                              | 900.51                                                                              | 32,986                                                                              | 813.04                                                                              | 17,622                                                                              | 808.66                                                                              | 15,317                                                                              | 970.95                                                                              | 14,034                                                                              | 1,997.76                                                                            |
| Tamil Nadu                                                                          | 35,06,454                                                                           | 1,65,455.58                                                                         | 43,40,748                                                                           | 1,81,634.98                                                                         | 34,20,745                                                                           | 1,91,350.67                                                                         | 39,07,361                                                                           | 2,19,118.87                                                                         | 28,06,608                                                                           | 2,39,879.93                                                                         | 23,50,340                                                                           | 2,81,696.93                                                                         |
| Telangana                                                                           | 6,21,719                                                                            | 55,848.81                                                                           | 6,39,306                                                                            | 62,018.79                                                                           | 9,78,831                                                                            | 66,334.66                                                                           | 7,36,796                                                                            | 83,155.95                                                                           | 5,88,644                                                                            | 96,028.26                                                                           | 7,51,976                                                                            | 1,16,962.81                                                                         |
| Tripura                                                                             | 2,72,766                                                                            | 2,595.59                                                                            | 2,23,377                                                                            | 2,689.29                                                                            | 3,05,442                                                                            | 3,116.69                                                                            | 61,411                                                                              | 2,168.20                                                                            | 53,142                                                                              | 2,340.35                                                                            | 1,02,411                                                                            | 2,978.15                                                                            |
| Uttarakhand                                                                         | 3,89,867                                                                            | 26,474.71                                                                           | 4,90,851                                                                            | 33,662.37                                                                           | 10,43,434                                                                           | 28,751.41                                                                           | 2,55,909                                                                            | 17,591.92                                                                           | 3,20,832                                                                            | 47,319.83                                                                           | 2,68,736                                                                            | 26,006.06                                                                           |
| Uttar Pradesh                                                                       | 24,89,760                                                                           | 90,201.48                                                                           | 28,33,312                                                                           | 88,733.16                                                                           | 29,57,770                                                                           | 1,05,215.15                                                                         | 24,33,223                                                                           | 1,36,723.44                                                                         | 19,75,107                                                                           | 1,32,130.25                                                                         | 27,45,236                                                                           | 1,95,413.75                                                                         |
| West Bengal                                                                         | 40,83,128                                                                           | 80,936.52                                                                           | 52,16,942                                                                           | 88,995.02                                                                           | 62,53,215                                                                           | 95,779.19                                                                           | 16,51,406                                                                           | 1,01,202.28                                                                         | 13,52,587                                                                           | 1,06,509.13                                                                         | 24,55,459                                                                           | 1,31,256.60                                                                         |
| All India (Total)                                                                   | 3,20,68,197                                                                         | 15,10,650.54                                                                        | 3,84,18,036                                                                         | 16,13,582.17                                                                        | 4,20,18,732                                                                         | 17,83,924.80                                                                        | 2,64,67,157                                                                         | 20,11,056.98                                                                        | 2,13,32,404                                                                         | 22,60,135.28                                                                        | 2,57,45,044                                                                         | 27,25,657.46                                                                        |
| Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) | Source : Priority Sector Returns submitted by SCBs (excluding Regional Rural Banks) |