Lok Sabha Question No. 3019 (UNSTARRED), answered on 2025-08-07
Subject: Margin Money Subsidy under PMEGP
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Praveen Patel, Shri Mahendra Singh Solanky, Shri Chintamani Maharaj, Shri Bibhu Prasad Tarai, Shri Naba Charan Majhi, Shri Vijay Baghel, Shri Chandubhai Chhaganbhai Shihora, Shri Vishweshwar Hegde Kageri, Shri Yogender Chandolia, Shri Lumbaram Choudhary, Shri Janardan Mishra, Shri Mukesh Rajput, Shri Captain Brijesh Chowta, Dr. Bhola Singh, Shri Kanwar Singh Tanwar, Shri Bhartruhari Mahtab

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

## LOK SABHA UNSTARRED QUESTION No. 3019 TO BE ANSWERED ON 07.08.2025

## MARGIN MONEY SUBSIDY UNDER PMEGP

3019.  SHRI PRAVEEN PATEL: SHRI MUKESH RAJPUT: SHRI CAPTAIN BRIJESH CHOWTA: DR. BHOLA SINGH: SHRI CHINTAMANI MAHARAJ: SHRI VIJAY BHAGEL: SHRI BHIBHU PRASAD TARAI: SHRI VISHWESHWAR HEDGE KAGERI: SHRI MAHENDRA SINGH SOLANKY: SHRI LUMBARAM CHOUDHARY: SHRI YOGENDER CHANDOLIA: SHRI CHANDUBHAI CHHAGANBHAI  SHIHORA: SHRI JANARDAN MISHRA: SHRI BHARTRUHARI MAHTAB: SHRI KANWAR SINGH TANWAR: SHRI NABA CHARAN MAJHI:

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

- (a) whether the  Khadi  and Village  Industries  Commission  (KVIC)  has  disbursed  margin  money subsidy  to  beneficiaries  under  the  Prime  Minister's  Employment  Generation  Programme  (PMEGP) Scheme;
- (b) if  so,  the  total  loan  amount  covered/  sanctioned  and  the  manner  in  which  the  subsidy  is distributed across different zones/regions in the country (South, Central, Eastern, Northern, Western) including Cuttack Lok Sabha Constituency, Odisha, Durg Lok Sabha Constituency, Chhattisgarh and Dakshina Kannada district;
- (c) the  employment  outcomes  generated  under  PMEGP  since  its  inception  such  as  number  of micro enterprises established, total employment generated (direct and indirect) and cumulative loans sanctions and subsidy disbursed, State/UT-wise;
- (d) the total number of SC/ST beneficiaries assisted and SC/ST candidates trained till June 2025 along with the initiatives undertaken to spread awareness among ST/SC entrepreneurs;
- (e) the number of projects sanctioned, employment generated and loans disbursed under PMEGP, State/UT  wise  including  Durg  Lok  Sabha  Constituency,  Jalore  Sirohi  Lok  Sabha  Constituency  and Dewas-Shajapur Lok Sabha Constituency during the last three financial years;
- (f) whether  there  are  any  plans  to  increase  the  financial  assistance  ceiling,  simplify  online application or offer marketing support to entrepreneurs in the region;
- (g) the specific steps being taken by the Government to ensure better outreach of PMEGP to rural youth, women and SC/ST applicants in Dewas-Shajapur; and
- (h) the time by which the Government proposes to provide the pending amount of subsidy to the beneficiaries  under  PMEGP  in  Uttar  Pradesh  and  total  number  of  such  beneficiaries  who  have  not received such subsidy under the said programme till now?

## ANSWER

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

(a) and (b): Khadi  and  Village  Industries  Commission  (KVIC)  is  the  designated  implementing agency  for  Prime  Minister's  Employment  Generation  Programme  (PMEGP)  of  Ministry  of  Micro, Small and Medium Enterprises.

Under PMEGP, the maximum cost of the project/unit admissible for availing loan is Rs. 50 lakh under Manufacturing sector and upto Rs. 20 lakh under Service/Trading sector. PMEGP being a Central  sector  scheme,  no  Zone-wise  or  State-wise  allocation  of  budget  is  done.  Funds  are  utilized based on the demand generated and loans sanctioned by the financial institutions. Zone-wise margin money subsidy disbursed and amount of loanssanctioned under PMEGP including Cuttack Lok Sabha Constituency, Odisha, Durg Lok Sabha Constituency, Chhattisgarh and Dakshina Kannada is given at Annexure I.

- (c): State/UT wise no. of  micro  enterprises  assisted,  amount  of  loans  sanctioned,  margin  money subsidy  disbursed  and  estimated  employment  generated  under  PMEGP  since  its  inception  i.e.  FY 2008-09 to FY 2025-26 (as on 05.08.2025) is given at Annexure II.
- (d): As  per  data  available,  total  number  of  SC  and  ST  beneficiaries  assisted  under  the  Prime Minister's  Employment  Generation  Programme  (PMEGP)  since  FY  2017-18  to  FY  2024-25  (up  to 04.08.2025) is given below:

| Particulars   | Scheduled Castes (SC)   | Scheduled Tribes (ST)   |
|---------------|-------------------------|-------------------------|
| Total         | 72,532                  | 46,992                  |

The number of SC & ST candidates who have undergone EDP Training under PMEGP during FY 2017-18 to FY 2025-26 (as on 30.06.2025) is given below:

| Financial Year                        | No. of SC and ST candidates trained   |
|---------------------------------------|---------------------------------------|
| 2017-18 to 2025-26 (as on 30.06.2025) | 1,30,921                              |

Initiatives taken by Government to spread awareness amongst potential PMEGP beneficiaries including SC/ST entrepreneurs include the following:

- i. Awareness programmes in all the States/UTs including backward and under-performing areas, Aspirational  districts,  North  Eastern  Region  particularly  for  SC/ST,  women  and  youth beneficiaries.
- ii. Publicity campaigns including posters, banners, hoardings, radio jingles, television messages, advertisements in national/local papers in English, Hindi and local languages, social media and other related activities.

- iii. Video clips of PMEGP assisted enterprises as success stories are being recorded and publicized for promoting the scheme in remote areas.
- iv. Organizing webinars on various activities for setting up of micro-enterprises for the awareness of youth and prospective entrepreneurs.
- v. Conduct  of  two-days  free  online  Entrepreneurship  Development  Programme  (EDP)  for prospective entrepreneurs.

(e): State/UT wise no. of projects sanctioned, estimated employment generated and loans disbursed under  PMEGP including Durg Lok Sabha Constituency, Jalore Sirohi  Lok  Sabha Constituency  and Dewas Shajapur Lok Sabha constituency during FY 2022-23 to FY 2024-25 is given at Annexure III.

(f) and (g): Initiatives taken by the Government to increase the financial assistance ceiling, simplify online application, enhance the outreach and marketing support to entrepreneurs all over the country under PMEGP including Dewas Shajapur includes the following:

- i. Enhancement of maximum project cost from Rs. 25 lakh to Rs. 50 lakh for manufacturing sector and from Rs. 10 lakh to Rs. 20 lakh for service sector.
- ii. A  dedicated  portal  for  tracking  the  complete  process  from  application  submission  till adjustment of MM subsidy into the beneficiary's loan account.
- iii. To enhance the quality of applications to reduce rejections, technical experts & Bank Officials (Retd.) have been engaged to provide handholding support to prospective  PMEGP beneficiaries during application stage.
- iv. A wide range of more than 1,000 Model of Detailed Project Reports have been prepared on various industries and made available on the PMEGP online portal.
- v. Acceptance  of  PMEGP  applications  from  beneficiaries  in  physical  form  in  11  regional languages since January 2024 excluding Hindi and English i.e., Gujarati, Malayalam, Punjabi, Manipuri, Bangla, Marathi, Tamil, Assamese, Kannada, Oriya and Telugu.
- vi. E-commerce  portal  (https://www.ekhadiindia.com/)  has  been  developed  to  give  online marketing support to PMEGP units.
- vii. Awareness programmes in all the States/UTs including backward and under-performing areas, Aspirational districts,  North  Eastern  Region,  etc.  particularly  for  SC/ST,  women  and  youth beneficiaries.
- viii. Conduct  of  two-days  free  online  Entrepreneurship  Development  Programme  (EDP)  for prospective entrepreneurs.

(h): Under PMEGP, once an application is submitted by an applicant, a scrutiny is carried out by Implementing  Agencies  before  the  application  is  forwarded  to  the Bank  for  taking a credit decision.Banks appraise the projects and take their own credit decision on the basis of viability of each project. Therefore, the final sanction and release of loan isdone at the level of the concerned Bank.The Government  provides  financial  assistance  in  the  form  of  Margin  Money  Subsidy  to  successful beneficiaries  whose projects have been duly sanctioned by the bankssubject to availability of funds under the scheme and in accordance with the prescribed guidelines.

*****

## ANNEXURE-I  REFERRED  TO  IN  REPLY  TO  PART  (a)  and  (b)  OF  THE  LOK  SABHA UNSTARRED QUESTION NO. 3019 FOR ANSWER ON 07.08.2025.

Zone-wise  margin  money  subsidy  disbursed  and  amount  of  loans  sanctioned  under  PMEGP  since inception i.e. FY 2008-09 to FY 2025-26 (up to 05.08.2025) is given at Annexure I.

| Zone       |   Loan Sanctioned (Rs. Cr) |   Margin Money Subsidy (Rs. Cr) |
|------------|----------------------------|---------------------------------|
| Central    |                    6692.4  |                         17883   |
| East       |                    4254.38 |                         11425.9 |
| North      |                    4977.17 |                         13256.7 |
| North-East |                    2108.52 |                          5692.2 |
| South      |                    6180.6  |                         16332.4 |
| West       |                    3881.74 |                         10375.5 |
| Total      |                   28094.8  |                         74965.8 |

Margin money subsidy disbursed and amount of loans sanctioned under PMEGP during FY 2022-23 to FY  2025-26  (up  to  05.08.2025)  in  Cuttack  Lok  Sabha  Constituency,  Odisha,  Durg  Lok  Sabha Constituency, Chhattisgarh and Dakshina Kannada district under PMEGP Scheme during FY 2022-23 to FY 2025-26 (up to 05.08.2025):

| State/District/Constituency    |   Loan Sanctioned (Rs. Cr) |   Margin Money Subsidy (Rs. Cr) |
|--------------------------------|----------------------------|---------------------------------|
| Chhattisgarh                   |                     679.05 |                          227.46 |
| Odisha                         |                     934.25 |                          301.9  |
| Cuttack Lok Sabha Constituency |                      87.62 |                           26.51 |
| Dakshin Kannada                |                     111.78 |                           37.48 |
| Durg Lok Sabha Constituency    |                      41.51 |                           12.96 |
| Total                          |                    1854.21 |                          606.31 |

## ANNEXURE-II

## ANNEXURE-II  REFERRED  TO  IN  REPLY  TO  PART  (c)  OF  THE  LOK  SABHA UNSTARRED QUESTION NO. 3019 FOR ANSWER ON 07.08.2025

State/UT wise no. of units assisted, amount of loans sanctioned, margin money subsidy disbursed and estimated employment generated under PMEGP since Inception i.e. FY 2008-09 to FY 2025-26 (up to 05.08.2025):

| Sr. No.   | State Name        |   No. of Units Assisted |   Loan sanctioned (Rs. Cr) |   MMSubsidy disbursed (Rs. Cr) |   Estimated Employment Generated |
|-----------|-------------------|-------------------------|----------------------------|--------------------------------|----------------------------------|
| 1         | Andaman Nicobar   |                    2690 |                      70.24 |                          26.08 |                            15234 |
| 2         | Andhra Pradesh    |                   40002 |                    3691.74 |                        1411.45 |                           443454 |
| 3         | Arunachal Pradesh |                    4262 |                     242.09 |                          89.66 |                            32265 |
| 4         | Assam             |                   67445 |                    2234.2  |                         827.8  |                           411657 |
| 5         | Bihar             |                   50946 |                    3703.62 |                        1371.79 |                           421542 |
| 6         | Chandigarh        |                     518 |                      22.63 |                           8.38 |                             3474 |
| 7         | Chhattisgarh      |                   30747 |                    2054.86 |                         766.7  |                           249889 |
| 8         | Delhi             |                    1971 |                      84.95 |                          31.54 |                            15572 |
| 9         | Goa               |                    1313 |                      91.57 |                          34.16 |                            13090 |
| 10        | Gujarat*          |                   35721 |                    6364.29 |                        2378.11 |                           319668 |
| 11        | Haryana           |                   22054 |                    1722.71 |                         648.85 |                           172287 |
| 12        | Himachal Pradesh  |                   16827 |                    1060.99 |                         396.3  |                           113922 |
| 13        | Jammu Kashmir     |                  103326 |                    5519.64 |                        2075.2  |                           822876 |
| 14        | Jharkhand         |                   28179 |                    1554.13 |                         580.45 |                           195301 |
| 15        | Karnataka         |                   53262 |                    4041.75 |                        1518.41 |                           434525 |
| 16        | Kerala            |                   34509 |                    1959.71 |                         739.71 |                           281153 |
| 17        | Ladakh            |                     929 |                     106.92 |                          39.72 |                             7432 |
| 18        | Lakshadweep       |                      93 |                       2.98 |                           1.1  |                              368 |
| 19        | Madhya Pradesh    |                   51317 |                    4516.72 |                        1684.65 |                           426161 |
| 20        | Maharashtra**     |                   56760 |                    3919.68 |                        1469.47 |                           449954 |
| 21        | Manipur           |                   12344 |                     743.48 |                         275.36 |                            85001 |
| 22        | Meghalaya         |                    7373 |                     379.81 |                         140.67 |                            50651 |
| 23        | Mizoram           |                    9515 |                     425.89 |                         157.74 |                            75354 |
| 24        | Nagaland          |                   11255 |                     773.05 |                         286.32 |                            93232 |
| 25        | Odisha            |                   48408 |                    3069.05 |                        1152.53 |                           375017 |
| 26        | Puducherry        |                    1090 |                      42.65 |                          15.83 |                             6924 |
| 27        | Punjab            |                   21311 |                    1830.18 |                         687.78 |                           165733 |
| 28        | Rajasthan         |                   33867 |                    2908.65 |                        1089.41 |                           278537 |
| 29        | Sikkim            |                    1302 |                      89.07 |                          32.99 |                             8666 |
| 30        | Tamil Nadu        |                   68634 |                    4632.36 |                        1753.52 |                           640115 |
| 31        | Telangana         |                   20019 |                    1961.23 |                         740.57 |                           165538 |
| 32        | Tripura           |                   16639 |                     804.61 |                         297.99 |                           126364 |
| 33        | Uttar Pradesh     |                  112205 |                   10112.1  |                        3791.88 |                           975329 |
| 34        | Uttarakhand       |                   23396 |                    1199.36 |                         449.17 |                           179546 |
| 35        | West Bengal       |                   57435 |                    3028.85 |                        1123.53 |                           482563 |
|           | Total             |                 1047664 |                   74965.8  |                       28094.8  |                          8538394 |

*including Daman and Diu  **including Dadra and Nagar Haveli

## ANNEXURE-III

## ANNEXURE-III  REFERRED  TO  IN  REPLY  TO  PART  (e)  OF  THE  LOK  SABHA UNSTARRED QUESTION NO. 3019 FOR ANSWER ON 07.08.2025.

State/UT wise no. of projects sanctioned, estimated employment generated and loans disbursed under PMEGP during FY 2022-23 to FY 2024-25:

| Sr. No.   | State/UT          | No. of Projects sanctioned   | No. of Projects sanctioned   | No. of Projects sanctioned   | Estimated Employment Generated   | Estimated Employment Generated   | Estimated Employment Generated   | Bank loans sanctioned (Rs. Cr)   | Bank loans sanctioned (Rs. Cr)   | Bank loans sanctioned (Rs. Cr)   |
|-----------|-------------------|------------------------------|------------------------------|------------------------------|----------------------------------|----------------------------------|----------------------------------|----------------------------------|----------------------------------|----------------------------------|
| Sr. No.   | State/UT          | 2022-23                      | 2023- 24                     | 2024-25                      | 2022-23                          | 2023-24                          | 2024-25                          | 2022-23                          | 2023-24                          | 2024- 25                         |
| 1         | Andaman Nicobar   | 315                          | 340                          | 195                          | 968                              | 1080                             | 488                              | 5.48                             | 3.63                             | 2.60                             |
| 2         | Andhra Pradesh    | 5692                         | 11473                        | 7977                         | 24584                            | 44616                            | 25992                            | 349.11                           | 464.40                           | 388.10                           |
| 3         | Arunachal Pradesh | 250                          | 243                          | 144                          | 1264                             | 1352                             | 1248                             | 18.93                            | 47.65                            | 23.03                            |
| 4         | Assam             | 3897                         | 3734                         | 3236                         | 20768                            | 19336                            | 25360                            | 160.76                           | 172.97                           | 245.96                           |
| 5         | Bihar             | 8119                         | 12013                        | 7715                         | 35672                            | 54696                            | 40280                            | 327.33                           | 517.75                           | 406.22                           |
| 6         | Chandigarh        | 18                           | 15                           | 15                           | 120                              | 80                               | 40                               | 1.20                             | 0.60                             | 0.69                             |
| 7         | Chhattisgarh      | 3900                         | 3510                         | 2951                         | 20344                            | 19032                            | 14824                            | 202.30                           | 205.88                           | 177.23                           |
| 8         | Delhi             | 128                          | 81                           | 52                           | 576                              | 400                              | 208                              | 12.72                            | 9.03                             | 4.71                             |
| 9         | Goa               | 121                          | 108                          | 67                           | 528                              | 544                              | 312                              | 7.86                             | 8.71                             | 4.82                             |
| 10        | Gujarat*          | 4529                         | 4488                         | 2445                         | 24568                            | 24000                            | 14264                            | 652.93                           | 867.36                           | 549.82                           |
| 11        | Haryana           | 2487                         | 2762                         | 1925                         | 12472                            | 11184                            | 6304                             | 170.64                           | 197.78                           | 115.49                           |
| 12        | Himachal Pradesh  | 1598                         | 2072                         | 1256                         | 7440                             | 7792                             | 6368                             | 85.04                            | 98.49                            | 79.16                            |
| 13        | Jammu Kashmir     | 26785                        | 25606                        | 17579                        | 96184                            | 120520                           | 78904                            | 647.84                           | 762.75                           | 646.40                           |
| 14        | Jharkhand         | 2719                         | 3551                         | 2047                         | 14808                            | 16808                            | 11616                            | 130.62                           | 138.33                           | 97.36                            |
| 15        | Karnataka         | 8273                         | 7944                         | 6753                         | 44944                            | 37376                            | 22712                            | 436.17                           | 428.29                           | 255.60                           |
| 16        | Kerala            | 6196                         | 6401                         | 5837                         | 25032                            | 27112                            | 18080                            | 197.89                           | 212.81                           | 159.18                           |
| 17        | Ladakh            | 239                          | 177                          | 136                          | 728                              | 976                              | 1080                             | 10.15                            | 15.79                            | 17.27                            |
| 18        | Lakshadweep       | 1                            | 1                            | 2                            | 16                               | 0                                | 0                                | 0.07                             | 0.00                             | 0.00                             |
| 19        | Madhya Pradesh    | 9241                         | 7777                         | 835                          | 47656                            | 42336                            | 21008                            | 489.50                           | 500.08                           | 258.16                           |
| 20        | Maharashtra* *    | 6159                         | 6131                         | 5159                         | 29000                            | 22128                            | 14856                            | 356.49                           | 329.53                           | 283.55                           |
| 21        | Manipur           | 879                          | 740                          | 525                          | 4360                             | 2784                             | 4864                             | 39.49                            | 21.89                            | 40.73                            |
| 22        | Meghalaya         | 886                          | 1217                         | 1027                         | 2448                             | 2240                             | 8912                             | 17.97                            | 19.58                            | 93.71                            |
| 23        | Mizoram           | 574                          | 414                          | 366                          | 3296                             | 3208                             | 3872                             | 36.55                            | 47.39                            | 42.93                            |
| 24        | Nagaland          | 1228                         | 1320                         | 678                          | 3752                             | 4136                             | 10096                            | 41.45                            | 78.78                            | 97.28                            |
| 25        | Odisha            | 5327                         | 5174                         | 4708                         | 31040                            | 23800                            | 14936                            | 289.76                           | 252.58                           | 144.25                           |
| 26        | Puducherry        | 44                           | 86                           | 72                           | 200                              | 240                              | 304                              | 1.77                             | 2.63                             | 3.00                             |
| 27        | Punjab            | 2410                         | 3005                         | 2368                         | 12512                            | 11752                            | 7760                             | 195.77                           | 245.37                           | 180.21                           |
| 28        | Rajasthan         | 3161                         | 3781                         | 3319                         | 16296                            | 13424                            | 7328                             | 308.30                           | 334.97                           | 195.70                           |
| 29        | Sikkim            | 176                          | 608                          | 465                          | 456                              | 1056                             | 2528                             | 3.55                             | 12.13                            | 30.91                            |
| 30        | Tamil Nadu        | 11555                        | 16562                        | 12007                        | 49120                            | 54512                            | 31592                            | 483.07                           | 536.54                           | 327.11                           |
| 31        | Telangana         | 4543                         | 5833                         | 3857                         | 20320                            | 20024                            | 14800                            | 276.08                           | 291.92                           | 223.62                           |
| 32        | Tripura           | 1002                         | 957                          | 720                          | 5624                             | 4704                             | 5840                             | 45.60                            | 38.99                            | 50.26                            |
| 33        | Uttar Pradesh     | 19678                        | 19562                        | 7421                         | 92808                            | 93512                            | 44144                            | 1022.38                          | 1175.28                          | 591.53                           |
| 34        | Uttarakhand       | 2431                         | 2176                         | 1056                         | 14424                            | 10832                            | 5872                             | 125.06                           | 113.18                           | 65.12                            |
| 35        | West Bengal       | 3044                         | 2903                         | 2571                         | 17008                            | 15352                            | 10872                            | 200.04                           | 200.43                           | 143.66                           |
|           | Total             | 147605                       | 162765                       | 107486                       | 681336                           | 712944                           | 477664                           | 7349.87                          | 8353.47                          | 5945.40                          |

Number of  projects  sanctioned,  estimated  employment  generated  and  loans  disbursed  in  Durg  Lok Sabha  Constituency,  Jalore  Sirohi  Lok  Sabha  Constituency  and  Dewas  Shajapur  Lok  Sabha constituency under PMEGP Scheme during FY 2022-23 to FY 2024-25:

|                                 | 2022-23         | 2022-23                    | 2022-23      | 2023-24         | 2023-24                    | 2023-24      | 2024-25         | 2024-25                    | 2024-25      |
|---------------------------------|-----------------|----------------------------|--------------|-----------------|----------------------------|--------------|-----------------|----------------------------|--------------|
| Constituency                    | No. of Projects | Loan sanctioned (Rs. Lakh) | Est Empl Gen | No. of Projects | Loan sanctioned (Rs. Lakh) | Est Empl Gen | No. of Projects | Loan sanctioned (Rs. Lakh) | Est Empl Gen |
| Durg Lok Sabha Constituency     | 148             | 1368.10                    | 1184         | 98              | 1298.83                    | 784          | 85              | 1321.21                    | 680          |
| Jalore Lok Sabha Constituency   | 42              | 764.91                     | 336          | 13              | 550.14                     | 104          | 4               | 55.27                      | 32           |
| Sirohi Lok Sabha Constituency   | 40              | 1167.90                    | 320          | 11              | 358.71                     | 88           | 16              | 605.95                     | 128          |
| Dewas Lok Sabha Constituency    | 115             | 1144.26                    | 920          | 106             | 1031.86                    | 848          | 46              | 496.04                     | 368          |
| Shajapur Lok Sabha Constituency | 74              | 587.59                     | 592          | 58              | 543.69                     | 464          | 43              | 460.85                     | 344          |