Lok Sabha Question No. 5331 (UNSTARRED), answered on 2025-04-03
Subject: Schemes for MSME Sector
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Eswarasamy K

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 5331 TO BE ANSWERED ON 03.04.2025

## SCHEMES FOR MSME SECTOR

## 5331. SHRI ESWARASAMY K:

Will the MINISTER OF MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:

- (a) the  details  of  the  various  schemes  launched  to  promote  Micro,  Small  and  Medium  Enterprises (MSMEs) sector and currently operational in various States;
- (b) the amount allocated and utilised by States under the said schemes during each of the last three years, State-wise including Tamil Nadu;
- (c) whether there has been any delay in the implementation of these programmes and if so, the details thereof and if not, the reasons therefor; and
- (d) the steps taken by the Government in this regard?

## ANSWER

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

(a) and (b): The Central Government supplements the efforts of the States/UTs through various schemes, programmes and policy initiatives for promotion, development of MSMEs in the country including Tamil Nadu. The schemes are operational in all the states and UTs of the country. These schemes/ programmes include  Prime  Minister's  Employment  Generation  Programme,  Credit  Guarantee  Scheme  for  Micro  and Small Enterprises, PM Vishwakarma scheme, Entrepreneurship & Skill Development Programme scheme, Micro  and  Small  Enterprises  -  Cluster  Development  Programme,  Raising  and  Accelerating  MSME Performance, MSME Champions Scheme, etc. The Schemes implemented by Ministry of MSME are Central Sector and demand driven Schemes and funds are not allocated state-wise.

6,13,37,576 MSMEs are registered on Udyam Portal including Informal Micro Enterprises with an employment of 26,09,22,301 persons till 15.03.2025. Out of this, 49,64,549 MSMEs are registered in Tamil Nadu employing 2,59,22,629 persons.

The performance/achievements of some of the major schemes is as under:

- (i) Prime  Minister's  Employment  Generation  Programme  (PMEGP):  is  a  credit  -linked  subsidy programme  aimed  at  generating  self-employment  opportunities  through  establishment  of  microenterprises  in  the  non-farm  sector  by  helping  traditional  artisans  and  rural/urban  unemployed youths. Margin Money subsidy ranging from 15% to 35% of project cost, for Projects up to Rs. 50 Lakh    in    manufacturing  sector  and  Rs.  20  lakhs  in  the  service  sector,  is  provided.  Under  the scheme,  Margin  Money  subsidy  for  general  category  beneficiaries  is  25%  in  rural  areas  15%  in urban  areas.  For  beneficiaries  belonging  to  special  categories,  including  women,  Margin  money subsidy is 35% in rural areas and 25% in urban areas.

Details  of  number  of  units  assisted  and  funds  utilized  (Margin  Money  (MM)  subsidy  disbursed) state-wise including the state of Tamil Nadu under PMEGP for the last three Years, i.e., FY 202122 till FY 2023-24, is given as under:

| Margin Money (MM) Subsidy in Rs Cr   | Margin Money (MM) Subsidy in Rs Cr   | Margin Money (MM) Subsidy in Rs Cr   | Margin Money (MM) Subsidy in Rs Cr   | Margin Money (MM) Subsidy in Rs Cr   | Margin Money (MM) Subsidy in Rs Cr   | Margin Money (MM) Subsidy in Rs Cr   | Margin Money (MM) Subsidy in Rs Cr   |
|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|
|                                      |                                      | FY2021-22                            | FY2021-22                            | FY2022-23                            | FY2022-23                            | FY2023-24                            | FY2023-24                            |
| Sr. No                               | State                                | No of Units Assisted                 | MM Subsidy Disbursed                 | No of Units Assisted                 | MM Subsidy Disbursed                 | No of Units Assisted                 | MM Subsidy Disbursed                 |
| 1                                    | Andaman & Nicobar Island             | 162                                  | 2.39                                 | 121                                  | 2.03                                 | 135                                  | 1.34                                 |
| 2                                    | Andhra Pradesh                       | 2,477                                | 100.89                               | 3,073                                | 129.30                               | 5,577                                | 172.00                               |
| 3                                    | Arunachal Pradesh                    | 196                                  | 7.89                                 | 158                                  | 7.01                                 | 169                                  | 17.65                                |
| 4                                    | Assam                                | 3,855                                | 66.60                                | 2,596                                | 59.54                                | 2,417                                | 64.06                                |
| 5                                    | Bihar                                | 2,477                                | 81.70                                | 4,459                                | 121.23                               | 6,837                                | 191.76                               |
| 6                                    | Chandigarh                           | 21                                   | 0.62                                 | 15                                   | 0.45                                 | 10                                   | 0.22                                 |
| 7                                    | Chhattisgarh                         | 3,020                                | 69.41                                | 2,543                                | 74.93                                | 2,379                                | 76.25                                |
| 8                                    | Delhi                                | 100                                  | 3.15                                 | 72                                   | 4.71                                 | 50                                   | 3.34                                 |
| 9                                    | Goa                                  | 87                                   | 2.98                                 | 66                                   | 2.91                                 | 68                                   | 3.23                                 |
| 10                                   | Gujarat*                             | 4,143                                | 287.05                               | 3,071                                | 241.83                               | 3,000                                | 321.25                               |
| 11                                   | Haryana                              | 1,726                                | 60.93                                | 1,559                                | 63.20                                | 1,398                                | 73.25                                |
| 12                                   | Himachal Pradesh                     | 1,274                                | 35.51                                | 930                                  | 31.50                                | 974                                  | 36.48                                |
| 13                                   | Jammu & Kashmir                      | 21,648                               | 467.14                               | 12,023                               | 239.94                               | 15,065                               | 282.50                               |
| 14                                   | Jharkhand                            | 1,714                                | 41.88                                | 1,851                                | 48.38                                | 2,101                                | 51.23                                |
| 15                                   | Karnataka                            | 5,877                                | 158.43                               | 5,618                                | 161.54                               | 4,672                                | 158.62                               |
| 16                                   | Kerala                               | 2,789                                | 68.59                                | 3,129                                | 73.29                                | 3,389                                | 78.82                                |
| 17                                   | Ladakh                               | 295                                  | 11.82                                | 91                                   | 3.76                                 | 122                                  | 5.85                                 |
| 18                                   | Lakshadweep                          | 7                                    | 0.18                                 | 2                                    | 0.02                                 | -                                    |                                      |
| 19                                   | Madhya Pradesh                       | 8,082                                | 209.61                               | 5,957                                | 181.30                               | 5,292                                | 185.21                               |
| 20                                   | Maharashtra**                        | 4,128                                | 130.19                               | 3,625                                | 132.03                               | 2,766                                | 122.05                               |
| 21                                   | Manipur                              | 1,139                                | 33.37                                | 545                                  | 14.63                                | 348                                  | 8.11                                 |
| 22                                   | Meghalaya                            | 699                                  | 9.74                                 | 306                                  | 6.66                                 | 280                                  | 7.25                                 |
| 23                                   | Mizoram                              | 650                                  | 14.62                                | 412                                  | 13.54                                | 401                                  | 17.55                                |
| 24                                   | Nagaland                             | 1,241                                | 24.95                                | 469                                  | 15.35                                | 517                                  | 29.18                                |
| 25                                   | Odisha                               | 4,301                                | 113.36                               | 3,880                                | 107.32                               | 2,975                                | 93.55                                |
| 26                                   | Puducherry                           | 66                                   | 1.44                                 | 25                                   | 0.66                                 | 30                                   | 0.97                                 |
| 27                                   | Punjab                               | 1,790                                | 60.18                                | 1,564                                | 72.51                                | 1,469                                | 90.88                                |
| 28                                   | Rajasthan                            | 2,599                                | 90.26                                | 2,037                                | 114.19                               | 1,678                                | 124.06                               |
| 29                                   | Sikkim                               | 85                                   | 2.14                                 | 57                                   | 1.31                                 | 132                                  | 4.49                                 |
| 30                                   | Tamil Nadu                           | 5,972                                | 164.46                               | 6,140                                | 178.92                               | 6,814                                | 198.72                               |
| 31                                   | Telangana                            | 2,906                                | 98.46                                | 2,540                                | 102.25                               | 2,503                                | 108.12                               |
| 32                                   | Tripura                              | 958                                  | 20.84                                | 703                                  | 16.89                                | 588                                  | 14.44                                |
| 33                                   | Uttar Pradesh                        | 12,594                               | 411.65                               | 11,601                               | 378.66                               | 11,689                               | 435.29                               |
| 34                                   | Uttarakhand                          | 1,836                                | 39.83                                | 1,803                                | 46.32                                | 1,354                                | 41.92                                |
| 35                                   | West Bengal                          | 2,305                                | 85.40                                | 2,126                                | 74.09                                | 1,919                                | 74.23                                |
|                                      | Total                                | 103,219                              | 2,977.66                             | 85,167                               | 2,722.17                             | 89,118                               | 3,093.88                             |

- (ii) Credit Guarantee Scheme for Micro and Small Enterprises: The Ministry of Micro, Small and Medium Enterprises  and  Small  Industries  Development  Bank  of  India  (SIDBI)  jointly  instituted  Credit Guarantee Trust Fund for Micro and Small Enterprises (CGTMSE) in the year 2000, to provide credit guarantee  for  the  loans  extended  by  Member  Lending  Institutions  to  Micro  and  Small  Enterprises (MSEs)  without  collateral  security  and  third-party  guarantee.  CGTMSE  implements  the  Credit Guarantee Scheme (CGS) for MSEs.

The details of the credit guarantees extended in the last 3 years under CGS state wise, including Tamil Nadu, is as given below:

|         |                                 | FY 2021-22        | FY 2021-22                    | FY 2022-23        | FY 2022-23                    | FY 2023-24        | FY 2023-24                    |
|---------|---------------------------------|-------------------|-------------------------------|-------------------|-------------------------------|-------------------|-------------------------------|
| Sr. No. | States / UTs                    | No. of guarantees | Amount approved (in Rs crore) | No. of guarantees | Amount approved (in Rs crore) | No. of guarantees | Amount approved (in Rs crore) |
| 1       | Andaman &Nicobar                | 374               | 35                            | 495               | 50                            | 600               | 128                           |
| 2       | Andhra Pradesh                  | 49,848            | 1,456                         | 2,37,520          | 3,545                         | 79,938            | 5,395                         |
| 3       | Arunachal Pradesh               | 628               | 82                            | 935               | 147                           | 981               | 198                           |
| 4       | Assam                           | 14,918            | 1,262                         | 21,195            | 2,156                         | 34,556            | 3,750                         |
| 5       | Bihar                           | 24,217            | 1,661                         | 42,360            | 3,468                         | 1,13,262          | 8,582                         |
| 6       | Chandigarh                      | 1,382             | 159                           | 1,706             | 303                           | 2,459             | 604                           |
| 7       | Chhattisgarh                    | 9,670             | 776                           | 17,733            | 1,569                         | 25,845            | 2,968                         |
| 8       | Dadra &Nagar Haveli& Daman &Diu | 447               | 101                           | 505               | 111                           | 1039              | 277                           |
| 9       | Delhi                           | 15,810            | 2,769                         | 21,458            | 4,897                         | 35,127            | 8,527                         |
| 10      | Goa                             | 2,218             | 174                           | 2,826             | 325                           | 4,947             | 611                           |
| 11      | Gujarat                         | 34,929            | 4,836                         | 43,336            | 8,209                         | 1,06,073          | 19,668                        |
| 12      | Haryana                         | 22,285            | 2,707                         | 30,343            | 5,025                         | 48,455            | 8,553                         |
| 13      | Himachal Pradesh                | 10,075            | 792                           | 14,898            | 1,275                         | 20,600            | 2,080                         |
| 14      | Jammu &Kashmir                  | 38,352            | 1,295                         | 51,431            | 1,808                         | 53,295            | 2,415                         |
| 15      | Jharkhand                       | 12,953            | 1,247                         | 21,090            | 2,488                         | 34,800            | 4,432                         |
| 16      | Karnataka                       | 41,028            | 4,308                         | 53,766            | 7,712                         | 1,35,959          | 14,016                        |
| 17      | Kerala                          | 18,937            | 1,104                         | 25,761            | 2,121                         | 45,515            | 4,590                         |
| 18      | Ladakh                          | 205               | 23                            | 467               | 44                            | 637               | 84                            |
| 19      | Lakshadweep                     | 11                | 1                             | 25                | 3                             | 7                 | 1                             |
| 20      | Madhya Pradesh                  | 64,108            | 2,651                         | 50,289            | 5,290                         | 75,023            | 9,569                         |
| 21      | Maharashtra                     | 56,027            | 6,840                         | 66,055            | 11,926                        | 1,29,892          | 23,359                        |
| 22      | Manipur                         | 1,294             | 101                           | 2,268             | 171                           | 1,580             | 111                           |
| 23      | Meghalaya                       | 886               | 93                            | 1,410             | 160                           | 1,693             | 252                           |
| 24      | Mizoram                         | 1,029             | 86                            | 1,032             | 74                            | 1,232             | 73                            |
| 25      | Nagaland                        | 1,692             | 139                           | 1,813             | 162                           | 1,563             | 160                           |
| 26      | Odisha                          | 25,788            | 1,801                         | 34,081            | 3,045                         | 56,392            | 6,109                         |
| 27      | Puducherry                      | 1,013             | 74                            | 1,087             | 107                           | 2,418             | 233                           |
| 28      | Punjab                          | 23,172            | 1,661                         | 49,720            | 4,385                         | 81,259            | 9,632                         |
| 29      | Rajasthan                       | 38,622            | 2,553                         | 72,391            | 5,366                         | 85,848            | 9,180                         |
| 30      | Sikkim                          | 479               | 34                            | 765               | 61                            | 1,108             | 102                           |
| 31      | Tamil Nadu                      | 44,897            | 4,134                         | 61,883            | 7,114                         | 1,13,815          | 15,061                        |
| 32      | Telangana                       | 24,009            | 1,959                         | 29,792            | 3,503                         | 41,940            | 6,368                         |
| 33      | Tripura                         | 2,020             | 115                           | 3,845             | 207                           | 6,523             | 381                           |
| 34      | Uttar Pradesh                   | 86,616            | 5,628                         | 1,30,769          | 10,742                        | 2,47,258          | 21,200                        |
| 35      | Uttarakhand                     | 10,048            | 629                           | 16,296            | 1,177                         | 26,361            | 2,253                         |
| 36      | West Bengal                     | 37,033            | 2,887                         | 54,440            | 6,036                         | 1,06,073          | 11,887                        |
|         | TOTAL                           | 7,17,020          | 56,172                        | 11,65,786         | 1,04,781                      | 17,24,073         | 2,02,807                      |

- (iii)  Entrepreneurship and Skill Development Programme (ESDP) promotes entrepreneurial culture in the country.  The  details  of  programmes  and  beneficiaries  in  the  country  and  Tamil  Nadu  are  given respectively:

Progress of Entrepreneurship & Skill Development Programme (ESDP) scheme so far:

| S. No.   | Financial Year            | No. of Programmes Conducted   | No. of Beneficiaries   |
|----------|---------------------------|-------------------------------|------------------------|
| 1.       | 2021-22                   | 715                           | 59,702                 |
| 2.       | 2022-23                   | 4,732                         | 2,18,692               |
| 3.       | 2023-24                   | 7,497                         | 3,47,042               |
| 4.       | 2024-25 (Till 30.03.2025) | 11,914                        | 5,44,248               |
| Total    | Total                     | 23,246                        | 10,69,602              |

Progress of ESDP scheme in Tamil Nadu so far:

| S. No.   | Financial Year            |   No. of Programmes Conducted | No. of Beneficiaries   |
|----------|---------------------------|-------------------------------|------------------------|
| 1.       | 2021-22                   |                            31 | 3,002                  |
| 2.       | 2022-23                   |                           245 | 9,433                  |
| 3.       | 2023-24                   |                           319 | 16,445                 |
| 4.       | 2024-25 (Till 30.03.2025) |                           362 | 17,902                 |
| Total    | Total                     |                           957 | 46,782                 |

- (c): As stated in reply to part (a) and (b) above, the schemes are demand driven.
- (d): The schemes are monitored regularly.

****