Lok Sabha Question No. 3044 (UNSTARRED), answered on 2025-08-07
Subject: Inclusive Growth of MSMEs in Tribal Areas
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Smt. Roopkumari Choudhary

## 3044.

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

## LOK SABHA UNSTARRED QUESTION NO. 3044 TO BE ANSWERED ON: 07.08.2025

## INCLUSIVE GROWTH OF MSMEs IN TRIBAL AREAS

SMT. ROOPKUMARI CHOUDHARY:

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

- (a) the  current  status  of  Udyam  registrations,  formal  credit  uptake  and  digital  adoption  among Micro, Small and Medium Enterprises (MSMEs) in Chhattisgarh, district-wise;
- (b) the specific ground-level challenges faced by MSMEs in rural and tribal areas particularly in relation to road and power infrastructure, access to credit, market connectivity including ecommerce and digital payments and shortage of skilled manpower;
- (c) the  funds  allocated  under  central  schemes  such  as  CGTMSE,  ZED  Certification,  Digital MSME Scheme and PMEGP for Chhattisgarh in the last three financial years and the extent of their utilisation; and
- (d) the steps taken or proposed to be taken to ensure balanced and inclusive growth of the MSME sector  in  Chhattisgarh  by  strengthening  road,  power  and  broadband  infrastructure  in  backward districts, enhancing credit penetration through simplified collateral norms and expansion of priority sector lending, promoting digital literacy, e-marketing and cluster-based common facility centres and providing targeted skilling and ease of compliance support at the grassroots?

## ANSWER

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

(a) to (d): On  1 st July,  2020,  the  Ministry  of  Micro,  Small  and  Medium  Enterprise  (MSME) launched  Udyam  Registration  Portal  (URP),  a  free  of  cost,  paperless  and  fully  digitalized  online platform, on which an enterprise can register itself as an MSME .The details of MSMEs registered in Chhattisgarh, district-wise; as on 31.07.2025 are given at Annexure-I.

Promotion  and  development  of  enterprises  is  a  State  subject.  The  Central  Government supplements  the  efforts  of  the  State/UT  Governments  through  various  schemes,  programmes  and policy initiatives for overall development and promotion of MSMEs in the country, including in rural and  tribal  areas,  including  in  Chhattisgarh.  The  Ministry  of  MSME  implements  Central  Sector Schemes. Funds are not allocated State-wise. Funds are utilized based on the demand generated and loans sanctioned by the financial institutions.

To  promote  formal  credit  uptake  among  MSMEs,  the  Ministry  of  MSME  implements  the Credit  Guarantee  Scheme  (CGS)  for  Micro  and  Small  Enterprises  (MSEs)  and  Prime  Minister Employment Generation Programme (PMEGP) across the country, including Chhattisgarh. Number of micro enterprises assisted, Margin Money subsidy disbursed and estimated employment generated under  PMEGP  in  Chhattisgarh  during  last  3  years  i.e.  from  FY  2022-23  to  FY  2024-25  is  given below:

| Financial Year   | Number of micro enterprises assisted   |   Margin Money Subsidy disbursed (Rs. in crore) | Estimated employment generated   |
|------------------|----------------------------------------|-------------------------------------------------|----------------------------------|
| 2022-23          | 2,543                                  |                                           74.93 | 20,344                           |
| 2023-24          | 2,379                                  |                                           76.25 | 19,032                           |
| 2024-25          | 1,853                                  |                                           65.64 | 14,824                           |

The  details  of  guarantees  issued  under  CGS  for  MSEs  in  the  State  of  Chhattisgarh  are  as given below:

| Details of Guarantees Approved under CGS for Micro & Small Enterprises in the State of Chhattisgarh in the last 3 years.   | Details of Guarantees Approved under CGS for Micro & Small Enterprises in the State of Chhattisgarh in the last 3 years.   | Details of Guarantees Approved under CGS for Micro & Small Enterprises in the State of Chhattisgarh in the last 3 years.   | Details of Guarantees Approved under CGS for Micro & Small Enterprises in the State of Chhattisgarh in the last 3 years.   | Details of Guarantees Approved under CGS for Micro & Small Enterprises in the State of Chhattisgarh in the last 3 years.   | Details of Guarantees Approved under CGS for Micro & Small Enterprises in the State of Chhattisgarh in the last 3 years.   |
|----------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------|
| FY 2022-23                                                                                                                 | FY 2022-23                                                                                                                 | FY 2023-24                                                                                                                 | FY 2023-24                                                                                                                 | FY 2024-25                                                                                                                 | FY 2024-25                                                                                                                 |
| No. of Guarantees Approved                                                                                                 | Amt. of Guarantees Approved (in ₹Crore)                                                                                    | No. of Guarantees Approved                                                                                                 | Amt. of Guarantees Approved (in ₹Crore)                                                                                    | No. of Guarantees Approved                                                                                                 | Amt. of Guarantees Approved (in ₹Crore)                                                                                    |
| 17,733                                                                                                                     | 1,568.54                                                                                                                   | 25,845                                                                                                                     | 2,968.15                                                                                                                   | 40,583                                                                                                                     | 4,231.26                                                                                                                   |

MSME Champions Scheme is a Central Sector Scheme applicable to the Udyam registered manufacturing Micro, Small and Medium Enterprises (MSMEs) across India including the State of Chhattisgarh.  MSME-Sustainable  (ZED)  Certification  Scheme  and  Digital  MSME  Scheme  are  a subcomponent of MSME Champions Scheme. The details of funds released to implementing agency in last three years under the MSME Sustainable (ZED) Certification Scheme are as below:

| Financial Year   |   Fund Allocation (Rs. In crore) |
|------------------|----------------------------------|
| FY 2022-23       |                            27.3  |
| FY 2023-24       |                           193.52 |
| FY 2024-25       |                           241.5  |

The physical  achievements  under  ZED  Certification  Scheme  at  All-India  level  and  for  the State of Chhattisgarh as on date are as under:

| Geographical Level   | Registration   | Bronze Certification   | Silver Certification   | Gold Certification   |
|----------------------|----------------|------------------------|------------------------|----------------------|
| All India 5,31,977   | 3,44,303       |                        | 1,814                  | 2,482                |
| Chhattisgarh         | 4,773          | 3,056                  | 4                      | 7                    |

Under Digital MSME Scheme no fund has been allocated till date.

To  promote  the  transformation  of  Micro,  Small  and  Medium  Enterprises  (MSMEs)  and support  their  expansion,  the  Government  of  India  announced  the  revised  definition  of  MSMEs  in Budget Announcement 2025 and the investment and turnover limits for classification of all MSMEs has  been  enhanced  to  2.5  and  2  times  respectively.  The  revision  will  help  MSMEs  in  achieving higher efficiencies of scale, better access to capital and technological upgradation.

Under  the  Tool  Rooms  &  Technical  Institutions,  Ministry  of  MSME  has  set  up  27  Tool Rooms  &  Technical  Institutions  known  as  Technology  Centres  (TCs)  in  the  sectors  like  general engineering, automation, hand tools, plastics, auto parts, electrical & electronics, forging & foundry etc. to support MSMEs with the relevant technologies.

To  increase  the  credit  penetration  for  MSMEs,  the  Government  announced  the  following Policy Measures in Budget 2025:

- i. The credit guarantee cover has been enhanced for Micro and Small Enterprises, under Credit Guarantee Scheme of the Ministry of MSME, from Rs. 5 Crore to Rs. 10 Crore. The Circular has been issued in this regard and the changes have come into effect from 01.04.2025.
- ii. Further, Government has announced provisioning of customized Credit Cards with a limit of Rs. 5 Lakh, for micro enterprises registered on Udyam Portal.

The following measures have also been taken to increase access to credit for MSMEs in the country:

- i. Priority  Sector  Lending  Guidelines :  In  terms  of  Master  Direction  on  'Priority  Sector Lending (PSL)- Targets and Classification' dated March 24, 2025, all bank loans to MSMEs conforming to the conditions prescribed therein qualify for classification under priority sector lending.
- ii. Collateral requirements of MSME units : SCBs have been mandated not to accept collateral security in the case of loans up to ₹10 lakh extended to units in the MSE sector.
- iii. Timeline for credit decisions: For loans up to ₹25 lakh to units in the MSE borrowers, banks are advised that the timelines for credit decisions shall not be more than 14 working days.

Through these steps, efforts to ensure balanced and inclusive growth of the MSME sector in the  country,  including  Chhattisgarh  has  been  made.  To  increase  awareness  about  the  benefits available  through  registration  among  MSMEs  in  the  country,  including  State  of  Chhattisgarh, awareness programmes are conducted by the field offices of Ministry of MSME, in coordination with MSME/  Industry  Departments  of  States/UTs  concerned  and  other  MSME  stakeholders  through physical  workshops,  social  media,  print  media  &  electronic  media  for  creating  wide  publicity  for increasing participation from all stakeholders.

****

Annexure  referred  in  reply  to  the  Lok  Sabha  Unstarred  Question  number  3044  for  reply  on 07.08.2025.

| District Wise detail of total Micro, Small and Medium Enterprises in the State of Chhattisgarh On Udyam Portal Since 01/07/2020 to 31/07/2025   | District Wise detail of total Micro, Small and Medium Enterprises in the State of Chhattisgarh On Udyam Portal Since 01/07/2020 to 31/07/2025   | District Wise detail of total Micro, Small and Medium Enterprises in the State of Chhattisgarh On Udyam Portal Since 01/07/2020 to 31/07/2025   |
|-------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------|
| Sl. No.                                                                                                                                         | District                                                                                                                                        |                                                                                                                                                 |
| 1                                                                                                                                               | Balod                                                                                                                                           | 32,799                                                                                                                                          |
| 2                                                                                                                                               | Balod Bazar                                                                                                                                     | 39,361                                                                                                                                          |
| 3                                                                                                                                               | Balrampur                                                                                                                                       | 11,955                                                                                                                                          |
| 4                                                                                                                                               | Bastar                                                                                                                                          | 30,725                                                                                                                                          |
| 5                                                                                                                                               | Bemetara                                                                                                                                        | 22,121                                                                                                                                          |
| 6                                                                                                                                               | Bijapur                                                                                                                                         | 7,593                                                                                                                                           |
| 7                                                                                                                                               | Bilaspur                                                                                                                                        | 104,207                                                                                                                                         |
| 8                                                                                                                                               | Dantewada                                                                                                                                       | 6,711                                                                                                                                           |
| 9                                                                                                                                               | Dhamtari                                                                                                                                        | 37,657                                                                                                                                          |
| 10                                                                                                                                              | Durg                                                                                                                                            | 133,744                                                                                                                                         |
| 11                                                                                                                                              | Gariaband                                                                                                                                       | 15,652                                                                                                                                          |
| 12                                                                                                                                              | Gaurella Pendra Marwahi                                                                                                                         | 5,480                                                                                                                                           |
| 13                                                                                                                                              | Janjgir-Champa                                                                                                                                  | 68,358                                                                                                                                          |
| 14                                                                                                                                              | Jashpur                                                                                                                                         | 27,619                                                                                                                                          |
| 15                                                                                                                                              | Kabirdham                                                                                                                                       | 24,373                                                                                                                                          |
| 16                                                                                                                                              | Kanker                                                                                                                                          | 25,380                                                                                                                                          |
| 17                                                                                                                                              | Khairgarh Chhuikhadan Gandai                                                                                                                    | 3,830                                                                                                                                           |
| 18                                                                                                                                              | Kondagaon                                                                                                                                       | 17,153                                                                                                                                          |
| 19                                                                                                                                              | Korba                                                                                                                                           | 65,764                                                                                                                                          |
| 20                                                                                                                                              | Korea                                                                                                                                           | 17,610                                                                                                                                          |
| 21                                                                                                                                              | Mahasamund                                                                                                                                      | 44,183                                                                                                                                          |
| 22                                                                                                                                              | Manendragarh Chirimiri Bharatpur                                                                                                                | 5,390                                                                                                                                           |
| 23                                                                                                                                              | Mohla Manpur Ambagarh Chouki                                                                                                                    | 2,392                                                                                                                                           |
| 24                                                                                                                                              | Mungeli                                                                                                                                         | 16,840                                                                                                                                          |
| 25                                                                                                                                              | Narayanpur                                                                                                                                      | 4,887                                                                                                                                           |
| 26                                                                                                                                              | Raigarh                                                                                                                                         | 62,775                                                                                                                                          |
| 27                                                                                                                                              | Raipur                                                                                                                                          | 193,312                                                                                                                                         |
| 28                                                                                                                                              | Rajnandagaon                                                                                                                                    | 52,000                                                                                                                                          |
| 29                                                                                                                                              | Sakti                                                                                                                                           | 5,793                                                                                                                                           |
| 30                                                                                                                                              | Sarangarh Bilaigarh                                                                                                                             | 5,193                                                                                                                                           |
| 31                                                                                                                                              | Sukma                                                                                                                                           | 3,195                                                                                                                                           |
| 32                                                                                                                                              | Surajpur                                                                                                                                        | 22,298                                                                                                                                          |
| 33                                                                                                                                              | Surguja                                                                                                                                         | 34,844                                                                                                                                          |