Lok Sabha Question No. 3005 (UNSTARRED), answered on 2025-12-18
Subject: Beneficiaries under MSME Schemes
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Adv. Chandra Shekhar

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

## LOK SABHA UNSTARRED QUESTION No. 3005 TO BE ANSWERED ON 18.12.2025

## BENEFICIARIES UNDER MSME SCHEMES

3005. ADV. CHANDRA SHEKHAR:

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

- (a) the data on beneficiaries of the schemes in MSME sector as of 2025, category-wise;
- (b) the measures taken to improve the low percentage of women-owned MSMEs;
- (c) the  evaluation  of  the  scheme's  effectiveness  in  increasing  SC/ST  entrepreneur  participation, especially in public procurement, considering policy mandates; and
- (d) the actions taken on reports of discrimination in loan processing raised during consultations at various forums?

## ANSWER

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

(a): A revised definition based on the twin criteria of investment and turnover, was adopted to classify Micro,  Small  and  Medium  Enterprises  (MSME)  in  2020.  Accordingly,  for  registration  of  enterprise having  PAN,  Udyam  Registration  Portal  (URP)  was  launched  on  01.07.2020.  To  formalise  Informal Micro Enterprises (IMEs) i.e. Enterprises, which are exempt from filing GST, Udyam Assist Platform (UAP), was launched on 11.01.2023. As on 30.11.2025 the total number of beneficiaries in the country on the Udyam Registration Portal and Udyam Assist Platform was 7.22 crore.

Beneficiaries of the schemes in MSME sector as of 2025 is as below:

- (i) Ministry of MSME, through Khadi and Village Industries Commission (KVIC), is implementing the Prime Minister's Employment Generation Programme (PMEGP). It is a central sector scheme generating employment opportunities primarily in rural areas by assisting prospective entrepreneurs in setting up new micro enterprises in the non-farm sector across the country.

Category-wise number of micro enterprises assisted under PMEGP during FY 2020-21 to 2025-26 (as on 15.12.2025) is as below:

|                            | Number of micro enterprises assisted   | Number of micro enterprises assisted   | Number of micro enterprises assisted   | Number of micro enterprises assisted   | Number of micro enterprises assisted   | Number of micro enterprises assisted   |
|----------------------------|----------------------------------------|----------------------------------------|----------------------------------------|----------------------------------------|----------------------------------------|----------------------------------------|
| Financial Year             | General                                | OBC                                    | SC                                     | ST                                     | Minority                               | Women                                  |
| 2020-21                    | 25,144                                 | 25,532                                 | 7,908                                  | 5,497                                  | 10,334                                 | 27,286                                 |
| 2021-22                    | 31,415                                 | 32,752                                 | 10,161                                 | 7,225                                  | 21,667                                 | 39,158                                 |
| 2022-23                    | 26,092                                 | 32,084                                 | 9,142                                  | 4,850                                  | 12,999                                 | 32,626                                 |
| 2023-24                    | 26,874                                 | 32,602                                 | 10,364                                 | 4,681                                  | 14,597                                 | 36,806                                 |
| 2024-25                    | 15,852                                 | 16,987                                 | 11,351                                 | 7,322                                  | 8,196                                  | 23,434                                 |
| 2025-26 (as on 15.12.2025) | 17,107                                 | 22,148                                 | 5,203                                  | 2,427                                  | 5,944                                  | 22,922                                 |

- (ii) The Ministry of MSME implements the Credit Guarantee Scheme (CGS) for MSEs through the Credit  Guarantee  Fund  Trust  for  Micro  and  Small  Enterprises  (CGTMSE)  to  provide  credit guarantees for loans extended to MSEs without collateral security or third-party guarantees. The scheme  offers  credit  guarantee  coverage  of  90%  for  loans  extended  to  women-led  MSEs, compared to 75% in general, along with a 10% relaxation in the guarantee fee.

Details of credit guarantees category wise under CGS are as under:

| CGTMSE - Guarantee Approved - Micro and Small Category   | CGTMSE - Guarantee Approved - Micro and Small Category   | CGTMSE - Guarantee Approved - Micro and Small Category   | CGTMSE - Guarantee Approved - Micro and Small Category   | CGTMSE - Guarantee Approved - Micro and Small Category   | CGTMSE - Guarantee Approved - Micro and Small Category   | CGTMSE - Guarantee Approved - Micro and Small Category   |
|----------------------------------------------------------|----------------------------------------------------------|----------------------------------------------------------|----------------------------------------------------------|----------------------------------------------------------|----------------------------------------------------------|----------------------------------------------------------|
|                                                          | Micro                                                    | Micro                                                    | Small                                                    | Small                                                    | Total                                                    | Total                                                    |
| Duration                                                 | No. of guarantees approved                               | Amount approved in Rs. Crore                             | No. of guarantees approved                               | Amount approved in Rs. Crore                             | No. of guarantees approved                               | Amount approved in Rs. Crore                             |
| Since inception in 2000 till FY 2024- 25                 | 79,14,618                                                | 4,72,624                                                 | 35,96,719                                                | 4,62,247                                                 | 1,15,11,337                                              | 9,34,871                                                 |

- (iii)The  PM  Vishwakarma  Scheme  was  launched  by  the  Hon'ble  Prime  Minister  on 17.09.2023 to provide end-to-end support to artisans and craftspeople of 18 traditional trades who work with their hands and tools.

Scheme Progress: As on 16.12.2025, the achievements under the Scheme are as under:

-  Registration :  Against  the  target  of  30  lakh  registrations  approved  for  a  period  of  5  years  (FY 2023-24 to FY 2027-28), the Scheme has successfully achieved the target of 30 lakh beneficiaries within just 2 years of its implementation.
-  Skilling :  Out  of  30  lakh  registered  beneficiaries,  23.13  lakh  beneficiaries  have  completed  basic skill training.
-  Collateral-free  Concessional  Loans :  5.24  lakh  beneficiaries  have  been  sanctioned  loans  worth more than Rs. 4,525 crore.

(b): The  Government  has  taken  a  number  of  initiatives  to  increase  the  participation  of  women  in MSMEs, such as:

- i. Special drives for registration of women-owned MSMEs on Udyam Registration (UR) and Udyam Assist Portals (UAP).
- ii. To  support  women  entrepreneurs,  the  Public  Procurement  Policy  mandates  that  3%  of  annual procurement  by  CPSEs/Ministries/Departments  must  be  made  from  women-owned  micro  and small enterprises.
- iii. Udyam Registration Portal was launched on 01.07.2020 which is fully online, paperless and based on self-declaration. Those with PAN details can register on Udyam and those without PAN/GSTN can register on Udyam Assist Portal (UAP) launched on 11 th January 2023. Both registrations are eligible for Priority Sector Lending (PSL) and to avail of benefits of Schemes of the Ministry of Micro, Small and Medium Enterprises.

- iv. To support women entrepreneurs under Credit Guarantee Scheme for Micro and Small Enterprises, the  following  two  provisions  have  been  introduced  for  micro  and  small  women  entrepreneurs w.e.f. 01.12.2022:
- a. Guarantee coverage of up to 90% as against the 75% for others; and
- b. 10% concession in annual Guarantee fees
- v. Ministry of MSME implements Prime Minister's Employment Generation Programme (PMEGP) which is  a  credit-linked  subsidy  programme  aimed  at  generating  self-employment  opportunities through establishment of micro-enterprises in the non-farm sector by helping traditional artisans and rural/urban unemployed  youth. Out of the total PMEGP beneficiaries, 39% are women and they are provided higher subsidy (35%) vis-a-vis non-special category (upto 25%).
- vi. To encourage entrepreneurship among women, Ministry of MSME implements 'Skill Upgradation and  Mahila  Coir  Yojana'  under  Coir  VikasYojana,  which  is  an  exclusive  training  programme aimed at skill development of women artisans engaged in the Coir sector.
- vii. Participation  of  women  entrepreneurs  in  trade  fairs  under  Procurement  and  Marketing  Support Scheme is subsidized to the extent of 100% vis-a-vis 80% for other entrepreneurs.
- viii. Ministry of MSME has launched 'PM Vishwakarma' Scheme on 17.09.2023, to provide a number of benefits to the traditional artisans and craftspeople including women, engaged in 18 trades.
- ix. The  Ministry  has  launched  the  awareness  campaign  'Yashasvini'  to  create  awareness  among existing  and  aspiring  women  entrepreneurs  with  various  schemes  of  the  Ministry  of  MSME, providing  them  with  continuum  of  support  through  handholding,  mentorship,  and  capacity building.
9. (c): Procurement  performance  is  monitored  through  the  MSME  Sambandh  Portal.  As  per  data reported  by  Central  Public  Sector  Enterprises  (CPSEs),  procurement  from  MSEs  owned  by  SC/ST entrepreneurs  has  increased  from₹691.43  crore  in  2019-20to₹3,731  crore  in  2024-25 , reflecting improved  participation  of  SC/ST  enterprises  in  Government  procurement.  The  Ministry  undertakes regular  reviews  and  vendor  development  programmes  to  further  enhance  compliance  with  the  policy mandates.
10. (d): Sanctioning of a credit facility is a decision to be taken by the Lending Institutions, based on its internal guidelines.Banks are required to adhere to Fair Practices Code guidelines issued by the Reserve Bank of India (RBI).

***