Lok Sabha Question No. 2304 (UNSTARRED), answered on 2023-08-03
Subject: CGTMSE Loan to New Entrepreneurs
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Aparupa  Poddar

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

## LOK SABHA UNSTARRED QUESTION NO. 2304 TO BE ANSWERED ON 03.08.2023

## CGTMSE LOAN TO NEW ENTREPRENEURS

2304. SHRIMATI APARUPA PODDAR:

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

- (a) whether the Government has received complaints against banks not supporting collateral free Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) loan to new entrepreneurs;
- (b) if  so,  the  action  taken  by  the  Government    in  this  regard  and  the  instructional  guidelines issued to banks to release collateral free CGTMSE loan ; and
- (c) the details of the CGTMSE loan released for West Bengal during the last three years and the current year, Bank and State-wise?

## ANSWER

## MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI BHANU PRATAP SINGH VERMA)

- (a) & (b): Credit  Guarantee Fund  Trust for Micro and Small Enterprises (CGTMSE) provides credit guarantee to its Member Lending Institutions (MLIs) for the loans extended by them without any  collateral  security  or  third  party  guarantee  to  Micro  and  Small  Enterprises  (MSEs).  Reserve Bank of India (RBI) vide circular dated May 6, 2010 has mandated banks not to accept collateral security in the case of loans upto ₹ 10 lakh extended to units in the MSE sector. Further, w.e.f. 1st April 2023, under Credit Guarantee Scheme for Micro and Small Enterprises, loans upto Rs 5 crore are extended to MSEs without any collateral security and third party guarantee.
- (c): The details of the guarantees approved under CGTMSE state wise, including West Bengal is at Annexure A and the bank wise details of guarantees approved for West Bengal are at Annexure B.

(a)

*****

Annexure-A, as referred to in reply to part (c) of the Lok Sabha Unstarred Question No. 2304 for reply on 03.08.2023

| CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED     | CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED   | CGTMSE - GUARANTEE APPROVED   |
|-------------------------------|---------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|
|                               |                                 | FY 20-21                      | FY 20-21                      | FY 21-22                      | FY 21-22                      |                               |                               | Amt. (₹ Cr) FY 23-24          | Amt. (₹ Cr) FY 23-24          |
| Sr. No.                       | States / UTs                    | Number                        | Amount                        | Number                        | Amount                        | Number                        | Amount                        | Till Number                   | 30/06/2023 Amount             |
| 1                             | West Bengal                     | 29,789                        | 1,617.68                      | 37,033                        | 2,887.09                      | 54,440                        | 6,035.96                      | 14,370                        | 1,735.04                      |
| 2                             | Andaman& Nicobar                | 329                           | 24.65                         | 374                           | 35.12                         | 495                           | 50.23                         | 145                           | 18.09                         |
| 3                             | Andhra Pradesh                  | 163,610                       | 1,559.99                      | 49,848                        | 1,455.81                      | 237,520                       | 3,545.04                      | 10,896                        | 668.95                        |
| 4                             | Arunachal Pradesh               | 464                           | 54.98                         | 628                           | 82.10                         | 935                           | 147.36                        | 200                           | 33.06                         |
| 5                             | Assam                           | 12,158                        | 673.19                        | 14,918                        | 1,261.92                      | 21,195                        | 2,155.64                      | 5,705                         | 574.62                        |
| 6                             | Bihar                           | 22,317                        | 1,086.40                      | 24,217                        | 1,661.23                      | 42,360                        | 3,468.26                      | 11,502                        | 1,035.85                      |
| 7                             | Chandigarh                      | 1,274                         | 97.07                         | 1,382                         | 159.32                        | 1,706                         | 302.76                        | 427                           | 116.25                        |
| 8                             | Chhattisgarh                    | 12,970                        | 551.96                        | 9,670                         | 775.50                        | 17,733                        | 1,568.54                      | 3,051                         | 397.00                        |
| 9                             | Dadra &Nagar Haveli &Daman &Diu | 726                           | 49.74                         | 447                           | 101.19                        | 505                           | 110.82                        | 154                           | 44.66                         |
| 10                            | Delhi                           | 12,757                        | 1,557.20                      | 15,810                        | 2,768.64                      | 21,458                        | 4,897.47                      | 5,309                         | 1,483.00                      |
| 11                            | Goa                             | 2,235                         | 134.84                        | 2,218                         | 173.50                        | 2,826                         | 324.94                        | 555                           | 81.94                         |
| 12                            | Gujarat                         | 40,397                        | 2,959.55                      | 34,929                        | 4,835.69                      | 43,336                        | 8,209.05                      | 9,824                         | 2,674.38                      |
| 13                            | Haryana                         | 18,499                        | 1,217.65                      | 22,285                        | 2,707.15                      | 30,343                        | 5,025.37                      | 7,518                         | 1,544.37                      |
| 14                            | Himachal Pradesh Jammu&         | 8,572                         | 487.35                        | 10,075                        | 791.91                        | 14,898                        | 1,275.01                      | 3,569                         | 376.76                        |
| 15                            | Kashmir                         | 21,371                        | 714.46                        | 38,352                        | 1,295.17                      | 51,431                        | 1,808.31                      | 12,943                        | 504.19                        |
| 16                            | Jharkhand                       | 14,996                        | 859.78                        | 12,953                        | 1,247.08                      | 21,090                        | 2,488.33                      | 4,925                         | 767.98                        |
| 17                            | Karnataka                       | 50,974                        | 3,225.47                      | 41,028                        | 4,307.51                      | 53,766                        | 7,711.86                      | 11,068                        | 1,927.17                      |
| 18                            | Kerala                          | 28,810                        | 1,005.27                      | 18,937                        | 1,104.28                      | 25,761                        | 2,121.07                      | 5,639                         | 647.70                        |
| 19                            | Ladakh                          | 110                           | 12.37                         | 205                           | 22.85                         | 467                           | 43.59                         | 167                           | 21.82                         |
| 20                            | Lakshadweep                     | 72                            | 2.05                          | 11                            | 0.69                          | 25                            | 3.18                          | 2                             | 0.19                          |
| 21                            | Madhya Pradesh                  | 60,835                        | 1,893.09                      | 64,108                        | 2,650.99                      | 50,289                        | 5,289.80                      | 10,706                        | 1,509.01                      |
| 22                            | Maharashtra                     | 71,850                        | 4,415.75                      | 56,027                        | 6,839.63                      | 66,055                        | 11,925.53                     | 18,546                        | 3,560.91                      |
| 23                            | Manipur                         | 830                           | 41.16                         | 1,294                         | 101.10                        | 2,268                         | 170.89                        | 86                            | 6.88                          |
| 24                            | Meghalaya                       | 1,063                         | 60.31                         | 886                           | 92.75                         | 1,410                         | 160.06                        | 267                           | 36.22                         |
| 25                            | Mizoram                         | 431                           | 30.09                         | 1,029                         | 86.33                         | 1,032                         | 73.76                         | 187                           | 13.53                         |
| 26                            | Nagaland                        | 1,120                         | 68.40                         | 1,692                         | 139.48                        | 1,813                         | 162.03                        | 222                           | 20.46                         |
| 27                            | Odisha                          | 28,288                        | 1,133.71                      | 25,788                        | 1,801.05                      | 34,081                        | 3,044.90                      | 7,889                         | 894.60                        |
| 28                            | Puducherry                      | 1,588                         | 66.60                         | 1,013                         | 74.30                         | 1,087                         | 107.18                        | 353                           | 35.89                         |
| 29                            | Punjab                          | 20,379                        | 865.25                        | 23,172                        | 1,660.53                      | 49,720                        | 4,384.57                      | 14,513                        | 1,743.29                      |
| 30                            | Rajasthan                       | 32,883                        | 1,440.58                      | 38,622                        | 2,552.89                      | 72,391                        | 5,366.49                      | 14,785                        | 1,319.69                      |
| 31                            | Sikkim                          | 340                           | 15.50                         | 479                           | 34.00                         | 765                           | 60.55                         | 189                           | 18.00                         |
| 32                            | Tamilnadu                       | 61,535                        | 3,343.95                      | 44,897                        | 4,133.60                      | 61,883                        | 7,113.94                      | 14,934                        | 2,077.91                      |
| 33                            | Telangana                       | 22,021                        | 1,407.78                      | 24,009                        | 1,958.98                      | 29,792                        | 3,502.89                      | 5,680                         | 929.51                        |
| 34                            | Tripura                         | 1,673                         | 57.90                         | 2,020                         | 115.09                        | 3,845                         | 207.34                        | 1,579                         | 75.56                         |
| 35                            | Uttar Pradesh                   | 78,655                        | 3,726.70                      | 86,616                        | 5,628.12                      | 130,769                       | 10,742.11                     | 30,345                        | 3,168.64                      |
| 36                            | Uttarakhand                     | 9,671 835,592                 | 440.95                        | 10,048 717,020                | 629.28                        | 16,296                        | 1,176.64                      | 5,881 234,131                 | 435.01 30,498.14              |
|                               | TOTAL                           |                               | 36,899.39                     |                               | 56,171.87                     | 1,165,786                     | 104,781.46                    |                               |                               |

| CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   | CGTMSE - Guarantee Approved - WESTBENGAL   |
|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|
|                                            |                                            |                                            | FY 20-21                                   | FY 20-21                                   | FY 21-22                                   | FY 21-22                                   | FY 22-23                                   | FY 22-23                                   | Amt. (₹ Crore) FY 23-24 Till 30/06/2023    | Amt. (₹ Crore) FY 23-24 Till 30/06/2023    |
| Sr                                         | MLINAME                                    | MLI TYPE                                   | Number                                     | Amount                                     | Number                                     | Amount                                     | Number                                     | Amount                                     | Number                                     | Amount                                     |
| 1                                          | AU Small Finance Bank Limited              | Small Finance Bank (SFB)                   | 0                                          | 0.00                                       | 0                                          | 0.00                                       | 0                                          | 0.00                                       | 2                                          | 1                                          |
| 2                                          | Axis Bank Limited                          | Private Sector Bank                        | 77                                         | 35.36                                      | 376                                        | 168.59                                     | 940                                        | 446.26                                     | 228                                        | 131.05                                     |
| 3                                          | Bank Of Baroda                             | Public Sector Bank                         | 1,661                                      | 72.90                                      | 1,348                                      | 135.19                                     | 2,063                                      | 153.48                                     | 166                                        | 34.11                                      |
| 4                                          | Bank Of India                              | Public Sector Bank                         | 2,108                                      | 178.22                                     | 1,545                                      | 136.56                                     | 2,328                                      | 257.07                                     | 573                                        | 66.21                                      |
| 5                                          | Bank Of Maharashtra                        | Public Sector Bank                         | 43                                         | 16.23                                      | 128                                        | 36.45                                      | 87                                         | 25.83                                      | 11                                         | 2.46                                       |
| 6                                          | Canara Bank                                | Public Sector Bank                         | 2,502                                      | 176.14                                     | 2,316                                      | 255.28                                     | 1,631                                      | 259.92                                     | 395                                        | 79.26                                      |
| 7                                          | Central Bank Of India                      | Public Sector Bank                         | 210                                        | 17.50                                      | 190                                        | 18.43                                      | 936                                        | 188.63                                     | 206                                        | 49.03                                      |
| 8                                          | City Union Bank                            | Private Sector Bank                        | 0                                          | 0.00                                       | 0                                          | 0.00                                       | 2                                          | 2.70                                       | 0                                          | 0.00                                       |
| 9                                          | Deutsche Bank                              | Foreign Bank                               | 0                                          | 0.00                                       | 3                                          | 1.20                                       | 3                                          | 3.09                                       | 1                                          | 1.10                                       |
| 10                                         | Esaf Small Finance Bank Ltd.               | Small Finance Bank (SFB)                   | 2                                          | 0.23                                       | 2                                          | 0.15                                       | 0                                          | 0.00                                       | 0                                          | 0.00                                       |
| 11                                         | HDFC Bank Limited                          | Private Sector Bank                        | 131                                        | 90.91                                      | 373                                        | 278.81                                     | 1,063                                      | 611.34                                     | 394                                        | 241.43                                     |
| 12                                         | ICICI Bank                                 | Private Sector Bank                        | 1                                          | 0.45                                       | 13                                         | 8.69                                       | 252                                        | 183.26                                     | 62                                         | 57.14                                      |
| 13                                         | IDBI Bank Ltd                              | Private Sector Bank                        | 19                                         | 3.43                                       | 27                                         | 4.97                                       | 66                                         | 18.85                                      | 27                                         | 9.13                                       |
| 14                                         | IDFC First Bank Limited                    | Private Sector Bank                        | 1                                          | 0.45                                       | 1                                          | 1.00                                       | 6                                          | 9.10                                       | 5                                          | 4.00                                       |
| 15                                         | Indian Bank                                | Public Sector Bank                         | 1,220                                      | 99.22                                      | 1,802                                      | 124.16                                     | 4,414                                      | 272.17                                     | 1,345                                      | 105.35                                     |
| 16                                         | Indian Overseas Bank                       | Public Sector Bank                         | 381                                        | 41.26                                      | 452                                        | 51.15                                      | 737                                        | 86.19                                      | 149                                        | 21.60                                      |
| 17                                         | Indusind Bank                              | Private Sector Bank                        | 162                                        | 0.50                                       | 1,388                                      | 6.71                                       | 554                                        | 7.98                                       | 402                                        | 6.29                                       |
| 18                                         | Karnataka Bank Ltd                         | Private Sector Bank                        | 21                                         | 2.65                                       | 40                                         | 3.10                                       | 65                                         | 5.81                                       | 5                                          | 0.43                                       |
| 19                                         | Kotak Mahindra Bank                        | Private Sector Bank                        | 0                                          | 0.00                                       | 3                                          | 2.25                                       | 29                                         | 12.20                                      | 21                                         | 11.01                                      |
| 20                                         | Punjab &Sind Bank                          | Public Sector Bank                         | 21                                         | 3.17                                       | 25                                         | 11.20                                      | 57                                         | 16.85                                      | 29                                         | 3.63                                       |
| 21                                         | Punjab National Bank                       | Public Sector Bank                         | 2,872                                      | 134.27                                     | 5,855                                      | 324.98                                     | 18,076                                     | 1,115.85                                   | 6,738                                      | 448.83                                     |
| 22                                         | Small Industries Development Bank Of India | Financial Institution (FI)                 | 2                                          | 0.99                                       | 1                                          | 0.85                                       | 14                                         | 0.28                                       | 1                                          | 0.02                                       |
| 23                                         | Standard Chartered Bank                    | Foreign Bank                               | 69                                         | 24.40                                      | 12                                         | 3.28                                       | 37                                         | 11.57                                      | 16                                         | 4.57                                       |
| 24                                         | State Bank Of India                        | Public Sector Bank                         | 463                                        | 105.51                                     | 942                                        | 214.40                                     | 1,349                                      | 389.44                                     | 395                                        | 130.23                                     |
| 25                                         | Tamilnad Mercantile Bank Ltd               | Private Sector Bank                        | 0                                          | 0.00                                       | 0                                          | 0.00                                       | 1                                          | 0.60                                       | 0                                          | 0.00                                       |

| 26   | The Federal Bank Ltd                             | Private Sector Bank      | 0      | 0.00     | 2      | 0.20     | 0      | 0.00     | 8      |    3.99 |
|------|--------------------------------------------------|--------------------------|--------|----------|--------|----------|--------|----------|--------|---------|
| 27   | The Jammu &Kashmir Bank Ltd                      | Private Sector Bank      | 1      | 0.10     | 2      | 0.18     | 1      | 0.10     | 0      |    0    |
| 28   | The Karur Vysya Bank Ltd                         | Private Sector Bank      | 2      | 0.21     | 2      | 0.94     | 2      | 0.65     | 5      |    1.2  |
| 29   | The South Indian Bank Limited                    | Private Sector Bank      | 8      | 0.91     | 1      | 0.02     | 14     | 2.70     | 0      |    0    |
| 30   | UCO Bank                                         | Public Sector Bank       | 445    | 81.96    | 402    | 68.65    | 940    | 158.28   | 251    |   52.08 |
| 31   | Ujjivan Small Finance Bank                       | Small Finance Bank (SFB) | 0      | 0.00     | 25     | 10.84    | 4      | 0.96     | 0      |    0    |
| 32   | Union Bank Of India                              | Public Sector Bank       | 3,309  | 112.74   | 10,007 | 222.70   | 11,356 | 492.95   | 1,798  |   98.21 |
| 33   | Utkarsh Small Finance Bank                       | Small Finance Bank (SFB) | 0      | 0.00     | 0      | 0.00     | 1      | 0.34     | 0      |    0    |
| 34   | Yes Bank Ltd                                     | Private Sector Bank      | 3      | 4.89     | 8      | 3.98     | 14     | 10.97    | 16     |   16.44 |
| 35   | Aditya Birla Finance Limited                     | NBFC                     | 354    | 33.67    | 586    | 85.15    | 446    | 87.68    | 746    |   75.91 |
| 36   | Annapurna Finance Private Limited                | NBFC                     | 78     | 1.10     | 0      | 0.00     | 0      | 0.00     | 0      |    0    |
| 37   | Bajaj Finance Limited                            | NBFC                     | 10,912 | 203.19   | 4040   | 105.95   | 668    | 71.28    | 0      |    0    |
| 38   | ECL Finance Limited                              | NBFC                     | 0      | 0.00     | 22     | 2.50     | 0      | 0.00     | 0      |    0    |
| 39   | Edelweiss Retail Finance Limited                 | NBFC                     | 0      | 0.00     | 16     | 1.48     | 0      | 0.00     | 0      |    0    |
| 40   | Epimoney Private Limited                         | NBFC                     | 81     | 2.93     | 89     | 3.82     | 165    | 12.62    | 49     |    2.18 |
| 41   | Fortune Credit Capital Limited                   | NBFC                     | 3      | 0.43     | 0      | 0.00     | 0      | 0.00     | 0      |    0    |
| 42   | SMFG India Credit Company Limited                | NBFC                     | 67     | 8.12     | 221    | 27.84    | 519    | 86.32    | 0      |    0    |
| 43   | Protium Finance Limited                          | NBFC                     | 0      | 0.00     | 38     | 2.42     | 0      | 0.00     | 0      |    0    |
| 44   | IIFL Finance Limited                             | NBFC                     | 143    | 18.69    | 0      | 0.00     | 0      | 0.00     | 0      |    0    |
| 45   | Incred Financial Services Limited                | NBFC                     | 0      | 0.00     | 10     | 0.77     | 3      | 0.44     | 0      |    0    |
| 46   | Lendingkart Finance Limited                      | NBFC                     | 620    | 34.75    | 908    | 51.86    | 48     | 4.40     | 72     |   12.23 |
| 47   | Mahindra &Mahindra Financial Services Limited    | NBFC                     | 2      | 0.43     | 0      | 0.00     | 20     | 5.26     | 0      |    0    |
| 48   | Manappuram Finance Limited                       | NBFC                     | 0      | 0.00     | 0      | 0.00     | 36     | 5.97     | 0      |    0    |
| 49   | Northern Arc Capital Limited                     | NBFC                     | 26     | 1.12     | 0      | 0.00     | 0      | 0.00     | 0      |    0    |
| 50   | Poonawalla Fincorp Limited                       | NBFC                     | 1,084  | 52.75    | 206    | 21.15    | 0      | 0.00     | 0      |    0    |
| 51   | Riviera Investors Private Limited                | NBFC                     | 41     | 1.36     | 23     | 1.34     | 0      | 0.00     | 0      |    0    |
| 52   | Tata Capital Financial Services Limited          | NBFC                     | 23     | 30.60    | 47     | 48.46    | 79     | 39.69    | 0      |    0    |
| 53   | Tata Motors Finance Limited                      | NBFC                     | 607    | 22.42    | 3,456  | 433.39   | 4,043  | 811.00   | 236    |   61.31 |
| 54   | Tata Motors Finance Solutions Limited            | NBFC                     | 0      | 0.00     | 0      | 0.00     | 1,308  | 149.42   | 0      |    0    |
| 55   | Ugro Capital Limited                             | NBFC                     | 12     | 0.65     | 60     | 2.11     | 15     | 3.26     | 0      |    0    |
|      | Volvo Financial Services (India) Private Limited | NBFC                     | 2      | 0.88     | 20     | 3.96     | 48     | 13.19    | 18     |    3.6  |
| 56   |                                                  | TOTAL                    | 29,789 | 1,617.68 | 37,033 | 2,887.09 | 54,440 | 6,035.96 | 14,370 | 1735.04 |