Lok Sabha Question No. 626 (UNSTARRED), answered on 2024-11-28
Subject: CGTMSE
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri G Kumar Naik

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

## LOK SABHA UNSTARRED QUESTION NO. 626 TO BE ANSWERED ON 28.11.2024

## CGTMSE

## 626. SHRI G KUMAR NAIK:

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

- (a) the details of the cumulative credit guarantees extended under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) since its inception to beneficiaries, State-wise, district-wise data for Karnataka;
- (b) the  eligibility  guidelines  for  selecting  beneficiaries  by  the  lending  institutions  for  this  scheme and the specific criteria or processes for selection practices across States;
- (c) whether the Government has taken steps to enhance access to credit for MSMEs through digital platforms and other innovative mechanisms and if so, the details thereof and if not, the reasons therefor; and
- (d) the specific channels or portals through which applicants of the CGTMSE scheme report their grievances and other issues along with the mechanisms in place to address and resolve these grievances effectively?

## ANSWER

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

- (a): The  State/UT-wise  details  of  cumulative  credit  guarantees  extended  to  eligible  beneficiaries under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) since its inception till 31.10.2024  are  at Annexure-1 .  The  district-wise  details  of  cumulative  credit  guarantees  extended  to eligible beneficiaries in Karnataka under CGTMSE since its inception till 31.10.2024, are at Annexure2.
- (b): CGTMSE provides credit guarantee to its  Member  Lending  Institutions  (MLIs)  for the  credit facilities extended by them to Micro and Small Enterprises (MSEs) without any collateral security and third-party guarantee. Credit Guarantee Scheme for MSEs of CGTMSE does not stipulate any condition with regard to selection of the beneficiary, sanction, disbursement, follow up and recovery of loans by its MLIs. These are as per the extant guidelines of the respective MLIs.
- (c): To  enhance  access  to  credit  for  MSMEs  through  digital  platforms  and  other  innovative mechanisms for facilitating MSMEs, Trade Receivables e Discounting System (TReDS), an electronic platform,  facilitates  the  discounting  of  trade  receivables  of  MSMEs  through  multiple  financiers.  To unlock their working capital by converting their trade receivables into cash the Government of India has announced to reduce the turnover threshold of buyers for mandatory onboarding on the TReDS platform from Rs. 500 crore to Rs. 250 crore.
- (d): Grievances are directly received in CGTMSE or through the Ministry of MSME by post/mail and are redressed suitably.

****

## Annexure-1

Annexure-1, referred to in reply to Part (a) of the Lok Sabha Unstarred Question No. 626 due for answer on 28.11.2024

| State/UT-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   | State/UT-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   | State/UT-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   | State/UT-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   |
|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|
| Sl. No.                                                                               | States/UTs                                                                            | No. of Guarantees                                                                     | Amount Approved (Rs. in Crore)                                                        |
| 1                                                                                     | Andaman &Nicobar Islands                                                              | 5,225                                                                                 | 500.88                                                                                |
| 2                                                                                     | Andhra Pradesh                                                                        | 7,78,752                                                                              | 22,704.08                                                                             |
| 3                                                                                     | Arunachal Pradesh                                                                     | 11,858                                                                                | 1,044.72                                                                              |
| 4                                                                                     | Assam                                                                                 | 2,50,949                                                                              | 15,563.70                                                                             |
| 5                                                                                     | Bihar                                                                                 | 4,56,300                                                                              | 28,882.66                                                                             |
| 6                                                                                     | Chandigarh                                                                            | 24,708                                                                                | 2,502.87                                                                              |
| 7                                                                                     | Chhattisgarh                                                                          | 1,45,697                                                                              | 11,376.62                                                                             |
| 8                                                                                     | Dadar &Nagar Haveli and Daman & Diu                                                   | 4,933                                                                                 | 1,078.12                                                                              |
| 9                                                                                     | Delhi                                                                                 | 1,83,423                                                                              | 31,045.60                                                                             |
| 10                                                                                    | Goa                                                                                   | 37,095                                                                                | 3,097.32                                                                              |
| 11                                                                                    | Gujarat                                                                               | 4,66,631                                                                              | 63,950.78                                                                             |
| 12                                                                                    | Haryana                                                                               | 2,20,325                                                                              | 28,311.30                                                                             |
| 13                                                                                    | Himachal Pradesh                                                                      | 1,28,898                                                                              | 9,345.23                                                                              |
| 14                                                                                    | Jammu &Kashmir                                                                        | 2,92,443                                                                              | 10,190.87                                                                             |
| 15                                                                                    | Jharkhand                                                                             | 2,50,286                                                                              | 21,831.44                                                                             |
| 16                                                                                    | Karnataka                                                                             | 7,26,151                                                                              | 59,651.08                                                                             |
| 17                                                                                    | Kerala                                                                                | 4,69,835                                                                              | 20,674.77                                                                             |
| 18                                                                                    | Ladakh                                                                                | 1,885                                                                                 | 228.95                                                                                |
| 19                                                                                    | Lakshadweep                                                                           | 578                                                                                   | 18.31                                                                                 |
| 20                                                                                    | Madhya Pradesh                                                                        | 4,75,372                                                                              | 34,972.45                                                                             |
| 21                                                                                    | Maharashtra                                                                           | 7,70,816                                                                              | 90,376.07                                                                             |
| 22                                                                                    | Manipur                                                                               | 16,635                                                                                | 843.18                                                                                |
| 23                                                                                    | Meghalaya                                                                             | 17,025                                                                                | 1,234.10                                                                              |
| 24                                                                                    | Mizoram                                                                               | 9,644                                                                                 | 552.58                                                                                |
| 25                                                                                    | Nagaland                                                                              | 16,945                                                                                | 1,022.15                                                                              |
| 26                                                                                    | Odisha                                                                                | 3,63,064                                                                              | 24,440.97                                                                             |
| 27                                                                                    | Puducherry                                                                            | 15,259                                                                                | 925.20                                                                                |
| 28                                                                                    | Punjab                                                                                | 3,18,164                                                                              | 27,384.85                                                                             |
| 29                                                                                    | Rajasthan                                                                             | 4,24,628                                                                              | 32,184.52                                                                             |
| 30                                                                                    | Sikkim                                                                                | 6,689                                                                                 | 447.28                                                                                |
| 31                                                                                    | Tamil Nadu                                                                            | 7,92,908                                                                              | 58,911.05                                                                             |
| 32                                                                                    | Telangana                                                                             | 2,35,612                                                                              | 22,436.32                                                                             |
| 33                                                                                    | Tripura                                                                               | 31,175                                                                                | 1,492.25                                                                              |
| 34                                                                                    | Uttar Pradesh                                                                         | 11,61,766                                                                             | 76,997.76                                                                             |
| 35                                                                                    | Uttarakhand                                                                           | 1,29,340                                                                              | 8,604.00                                                                              |
| 36                                                                                    | West Bengal                                                                           | 5,27,332                                                                              | 43,145.26                                                                             |
| Total                                                                                 | Total                                                                                 | 97,68,346                                                                             | 7,57,969.33                                                                           |

Annexure-2,  referred  to  in  reply  to  Part  (a)  of  the  Lok  Sabha  Unstarred  Question  No.  626  due  for answer on 28.11.2024

| District-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   | District-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   | District-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   | District-wise Cumulative credit guarantee extended since Inception till 31.10. 2024   |
|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|
| Sr. No.                                                                               | District                                                                              | No. of Guarantees                                                                     | Amount Approved (Rs. in Crore)                                                        |
| 1                                                                                     | Bagalkot                                                                              | 36,238                                                                                | 2,497.95                                                                              |
| 2                                                                                     | Belagavi                                                                              | 44,329                                                                                | 2,708.08                                                                              |
| 3                                                                                     | Bellary                                                                               | 16,790                                                                                | 1,118.09                                                                              |
| 4                                                                                     | Bengaluru (Bangalore) Rural                                                           | 28,990                                                                                | 4,424.24                                                                              |
| 5                                                                                     | Bengaluru (Bangalore) Urban                                                           | 1,93,093                                                                              | 25,604.80                                                                             |
| 6                                                                                     | Bidar                                                                                 | 7,883                                                                                 | 427.29                                                                                |
| 7                                                                                     | Chamrajnagar                                                                          | 3,611                                                                                 | 167.60                                                                                |
| 8                                                                                     | Chickmagalur                                                                          | 13,512                                                                                | 603.43                                                                                |
| 9                                                                                     | Chikkaballapura                                                                       | 7,598                                                                                 | 462.66                                                                                |
| 10                                                                                    | Chitradurga                                                                           | 8,736                                                                                 | 393.28                                                                                |
| 11                                                                                    | Dakshina Kannada                                                                      | 67,680                                                                                | 3,795.96                                                                              |
| 12                                                                                    | Davangere                                                                             | 13,711                                                                                | 847.63                                                                                |
| 13                                                                                    | Dharwad                                                                               | 30,496                                                                                | 1,910.19                                                                              |
| 14                                                                                    | Gadag                                                                                 | 9,113                                                                                 | 377.69                                                                                |
| 15                                                                                    | Hassan                                                                                | 14,442                                                                                | 761.27                                                                                |
| 16                                                                                    | Haveri                                                                                | 11,836                                                                                | 613.86                                                                                |
| 17                                                                                    | Kalaburagi                                                                            | 13,941                                                                                | 760.47                                                                                |
| 18                                                                                    | Kodagu                                                                                | 9,410                                                                                 | 446.34                                                                                |
| 19                                                                                    | Kolar                                                                                 | 10,522                                                                                | 700.31                                                                                |
| 20                                                                                    | Koppal                                                                                | 5,626                                                                                 | 324.19                                                                                |
| 21                                                                                    | Mandya                                                                                | 9,814                                                                                 | 584.69                                                                                |
| 22                                                                                    | Mysore                                                                                | 26,907                                                                                | 2,159.64                                                                              |
| 23                                                                                    | Raichur                                                                               | 7,633                                                                                 | 506.27                                                                                |
| 24                                                                                    | Ramanagara                                                                            | 6,884                                                                                 | 438.42                                                                                |
| 25                                                                                    | Shimoga                                                                               | 25,456                                                                                | 1,221.87                                                                              |
| 26                                                                                    | Tumkur                                                                                | 16,045                                                                                | 1,221.45                                                                              |
| 27                                                                                    | Udupi                                                                                 | 43,787                                                                                | 2,414.71                                                                              |
| 28                                                                                    | Uttara Kannada                                                                        | 25,518                                                                                | 1,158.05                                                                              |
| 29                                                                                    | Vijayapura                                                                            | 13,966                                                                                | 807.38                                                                                |
| 30                                                                                    | Yadgir                                                                                | 2,584                                                                                 | 193.26                                                                                |
| Total                                                                                 |                                                                                       | 7,26,151                                                                              | 59,651.08                                                                             |