Lok Sabha Question No. 1664 (UNSTARRED), answered on 2025-03-10
Subject: Skill Loan Scheme for Andhra Pradesh
Ministry: SKILL DEVELOPMENT AND ENTREPRENEURSHIP
Asked by: Shri Putta Mahesh Kumar

## GOVERNMENT OF INDIA

## MINISTRY OF SKILL DEVELOPMENT AND ENTREPRENEURSHIP

## LOK SABHA

## UNSTARRED QUESTION NO. 1664

ANSWERED ON 10.03.2025

## SKILL LOAN SCHEME FOR ANDHRA PRADESH

1664.   SHRI PUTTA MAHESH KUMAR:

Will the Minister of SKILL DEVELOPMENT AND ENTREPRENEURSHIP be pleased to state:

- (a) the total number of individuals who have availed the Skill Loan Scheme including the number of loans sanctioned and amount released, State-wise and district-wise particularly for Andhra Pradesh, year-wise during the last five years;
- (b) the details regarding the number of defaults occurring in loan repayment along with the details of amount of credit guarantee released for defaulting loans, State-wise and district-wise particularly for Andhra Pradesh State, year-wise during the last five years;
- (c) whether the revised Model loan scheme is operational; and
- (d) if so, the details regarding the number of individuals who availed the scheme till date, State and district-wise particularly for Andhra Pradesh

## ANSWER

THE MINISTER OF STATE (INDEPENDENT CHARGE) IN THE MINISTRY OF SKILL DEVELOPMENT AND ENTREPRENEURSHIP

(SHRI JAYANT CHAUDHARY)

(a)  to  (b):  The  Skill  Loan  Scheme   was  circulated  on  10th  July  2015  by  Indian  Banks'  Association (IBA)   to  its  member  banks  for  its  adoption  for  extending  loan  for  vocational  education  and  training courses. Ministry of Skill Development and Entrepreneurship (MSDE) notified Credit Guarantee Fund Scheme for Skill Development (CGFSSD) on 20th November 2015 to provide guarantee cover to Skill Loan Scheme to the extent of 75% of the amount in default to the member lending institutions. National Credit Guarantee Trustee Company (NCGTC) manages and operates the credit guarantee fund.

CGFSSD was revised and notified on 9 th July  2024  to  enhance  the  coverage  of the  scheme  and  to provide  access  to  skill  trainees/candidates  to  wide  range  of  high-end  courses  without  any  financial constraints. The major changes in modified CGFSSD inter-alia include the increase in maximum loan limit from Rs. 1.5 lakh to Rs. 7.5 lakh, inclusion of non-NSQF aligned courses delivered through Skill India  Digital  Hub  (SIDH),  and  inclusion  of  NBFCs/  NBFC-MFIs  and  Small  Finance  Banks  as  the member lending institutions.

Since  inception  of  the  scheme,  11320  loans  with  guarantee  amount  of  Rs.  131.31  Cr.  have  been provided  up to  28.02.2025.  State-wise  details  of  number  of  loans  sanctioned  and  amount  disbursed during the last five years up to 2024-25 (28.02.2025) are given at Annexure-I .

District-wise details of number of loans sanctioned and amount disbursed during the last five years up to 2024-25 (28.02.2025) in the state of Andhra Pradesh are given at Annexure-II .

State-wise  number  of  accounts  turned  NPA  and  credit  guarantee  claim  settled  during  the   last  five years up to 2024-25 (28.02.2025) are given at Annexure-III.

(c)  &  (d):The model Skill Loan Scheme revised/modified in July, 2024 is currently operational. Since modification, three (03) loans were sanctioned in the state of Andhra Pradesh, two (02) in Anantpura district and one (01) in Chitoor district.

State-wise details of number of loans sanctioned since modification up to 28.02. 2025 are as under:

| State/UT          |   No of Loan sanctioned |
|-------------------|-------------------------|
| Andhra Pradesh    |                      03 |
| Bihar             |                      03 |
| Chhattisgarh      |                      15 |
| Delhi             |                      04 |
| Gujarat           |                      02 |
| Himachal Pradesh  |                      09 |
| Jammu And Kashmir |                      01 |
| Jharkhand         |                     100 |
| Karnataka         |                     169 |
| Kerala            |                     393 |
| Madhya Pradesh    |                      34 |
| Maharashtra       |                      94 |
| Meghalaya         |                      01 |
| Odisha            |                      02 |
| Puducherry        |                      01 |
| Punjab            |                      01 |
| Sikkim            |                      01 |
| Tamil Nadu        |                      14 |
| Telangana         |                      02 |
| Uttar Pradesh     |                      08 |
| Uttarakhand       |                      02 |
| West Bengal       |                      32 |
| Total             |                     891 |

## ANNEXURES  REFERRED  IN  REPLY  TO  PARTS  (a)  &  (b)  OF  LOK  SABHA  UNSTARRED QUESTION  NO.  1664  ANSWERED  ON  10.03.2025  REGARDING  'SKILL  LOAN  SCHEME  FOR ANDHRA PRADESH'

(i) State-wise number of loans sanctioned during the last five years up to 2024-25 (28.02.2025)

| State             |   2020-21 |   2021-22 |   2022-23 |   2023-24 |   2024-25 (upto28.02.2025) |   Total |
|-------------------|-----------|-----------|-----------|-----------|----------------------------|---------|
| Andhra Pradesh    |         6 |         3 |        24 |         4 |                          3 |      40 |
| Assam             |        13 |         8 |        10 |         8 |                          0 |      39 |
| Bihar             |        13 |         8 |        13 |         5 |                          3 |      42 |
| Chandigarh        |         0 |         0 |         2 |         3 |                          0 |       5 |
| Chhattisgarh      |         2 |         3 |        15 |        27 |                         16 |      63 |
| Delhi             |        15 |         3 |        15 |         3 |                          4 |      40 |
| Goa               |         8 |         7 |         1 |         2 |                          1 |      19 |
| Gujarat           |         4 |         3 |        12 |         3 |                          3 |      25 |
| Haryana           |        19 |         7 |        24 |         4 |                          0 |      54 |
| Himachal Pradesh  |         5 |         3 |         6 |         9 |                         10 |      33 |
| Jammu And Kashmir |         1 |         0 |         1 |         1 |                          1 |       4 |
| Jharkhand         |         6 |         4 |      1036 |       411 |                        165 |    1622 |
| Karnataka         |        47 |        67 |       137 |       134 |                        207 |     592 |
| Kerala            |       238 |       243 |       410 |       636 |                        588 |    2115 |
| Lakshadweep       |         0 |         0 |         0 |         1 |                          0 |       1 |
| Madhya Pradesh    |        16 |         7 |        13 |        19 |                         34 |      89 |
| Maharashtra       |       119 |        99 |       230 |       140 |                        117 |     705 |
| Manipur           |         0 |         0 |         0 |         1 |                          0 |       1 |
| Meghalaya         |         1 |         0 |         1 |         1 |                          1 |       4 |
| Nagaland          |         0 |         0 |         1 |         0 |                          0 |       1 |
| Odisha            |         2 |         2 |         9 |         8 |                          2 |      23 |
| Puducherry        |         0 |         4 |         2 |         1 |                          3 |      10 |
| Punjab            |        13 |         1 |         5 |         2 |                          1 |      22 |
| Rajasthan         |         5 |         1 |        27 |         2 |                          0 |      35 |
| Sikkim            |         0 |         3 |         1 |         0 |                          1 |       5 |
| Tamil Nadu        |        30 |        42 |       102 |        47 |                         29 |     250 |
| Telangana         |         2 |         4 |        30 |         7 |                          3 |      46 |
| Tripura           |         1 |         0 |         1 |         0 |                          0 |       2 |
| Uttar Pradesh     |        20 |         6 |        27 |         9 |                         13 |      75 |
| Uttarakhand       |         6 |         4 |         9 |         9 |                          2 |      30 |
| West Bengal       |       110 |        31 |        39 |        34 |                         36 |     250 |
| Total             |       702 |       563 |      2203 |      1531 |                       1243 |    6242 |

|                   |         |         |         |         | Rs.                       | Rs.     |
|-------------------|---------|---------|---------|---------|---------------------------|---------|
| State             | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 (upto 28.02.2025) | Total   |
| Andhra Pradesh    | 8.44    | 3.6     | 14.65   | 4.81    | 2.01                      | 33.51   |
| Assam             | 13.57   | 8.36    | 12.65   | 10.32   | 0                         | 44.9    |
| Bihar             | 17.01   | 9.54    | 13.98   | 5.87    | 2.34                      | 48.74   |
| Chandigarh        | 0       | 0       | 2.92    | 4.5     | 0                         | 7.42    |
| Chhattisgarh      | 1.84    | 2.27    | 19.69   | 36.37   | 17.13                     | 77.3    |
| DNH & DD          | 0       | 0       | 0       | 0       | 0                         | 0       |
| Delhi             | 15.62   | 4.5     | 16.83   | 4.27    | 2.89                      | 44.11   |
| Goa               | 9.28    | 7.99    | 0.78    | 2.37    | 0.88                      | 21.3    |
| Gujarat           | 5.46    | 4.23    | 13.18   | 4.19    | 2.88                      | 29.94   |
| Haryana           | 24.44   | 8.09    | 34.4    | 5.88    | 0                         | 72.81   |
| Himachal Pradesh  | 3.78    | 3.1     | 5.09    | 7.04    | 8.53                      | 27.54   |
| Jammu And Kashmir | 1.49    | 0       | 1.2     | 0.63    | 1.5                       | 4.82    |
| Jharkhand         | 6.9     | 5.64    | 1461.6  | 616     | 202.29                    | 2292.43 |
| Karnataka         | 52.67   | 65.16   | 151.79  | 149.05  | 273.71                    | 692.38  |
| Kerala            | 265.95  | 293.24  | 485.62  | 807.2   | 766.57                    | 2618.58 |
| Ladakh            | 0       | 0       | 0       | 0       | 0                         | 0       |
| Lakshadweep       | 0       | 0       | 0       | 1.5     | 0                         | 1.5     |
| Madhya Pradesh    | 18.11   | 7.96    | 14.8    | 21.33   | 27.79                     | 89.99   |
| Maharashtra       | 138.78  | 103.77  | 268.53  | 162.75  | 140.34                    | 814.17  |
| Manipur           | 0       | 0       | 0       | 0.94    | 0                         | 0.94    |
| Meghalaya         | 0.9     | 0       | 1.22    | 1.25    | 1.5                       | 4.87    |
| Mizoram           | 0       | 0       | 0       | 0       | 0                         | 0       |
| Nagaland          | 0       | 0       | 1.1     | 0       | 0                         | 1.1     |
| Odisha            | 2.58    | 2.51    | 11.23   | 10.32   | 2.42                      | 29.06   |
| Puducherry        | 0       | 4.52    | 2.08    | 0.5     | 3.58                      | 10.68   |
| Punjab            | 13.84   | 1.5     | 5.4     | 2.2     | 1.05                      | 23.99   |
| Rajasthan         | 7.2     | 1.5     | 39.94   | 1.06    | 0                         | 49.7    |
| Sikkim            | 0       | 4.28    | 1.08    | 0       | 1.5                       | 6.86    |
| Tamil Nadu        | 35.12   | 45.01   | 96.85   | 50.17   | 31.62                     | 258.77  |
| Tripura           | 0.8     | 0       | 0.31    | 0       | 0                         | 1.11    |
| Uttar Pradesh     | 25.88   | 7.56    | 29.04   | 10.08   | 13.04                     | 85.6    |
| Uttarakhand       | 6.06    | 5.95    | 11.77   | 12.69   | 2.27                      | 38.74   |
| West Bengal       | 93.82   | 32.74   | 43.22   | 37.48   | 47.42                     | 254.68  |
| Telangana         | 3       | 3.63    | 29.69   | 5.98    | 3.37                      | 45.67   |
| Total             | 772.55  | 636.63  | 2790.64 | 1976.74 | 1556.62                   | 7733.21 |

District-wise number of loans sanctioned during the last five years up to 2024-25 (28.02.2025) in the state of Andhra Pradesh:

| District      |   2020-21 |   2021-22 |   2022-23 |   2023-24 |   2024-25 (upto 28.02.2025) |   Total |
|---------------|-----------|-----------|-----------|-----------|-----------------------------|---------|
| Anantapur     |         0 |         0 |         0 |         1 |                           2 |       3 |
| Chittoor      |         0 |         1 |         1 |         0 |                           1 |       3 |
| East Godavari |         1 |         0 |         7 |         1 |                           0 |       9 |
| Guntur        |         1 |         1 |         0 |         0 |                           0 |       2 |
| Krishna       |         0 |         0 |        11 |         0 |                           0 |      11 |
| Kurnool       |         1 |         0 |         3 |         0 |                           0 |       4 |
| SPS Nellore   |         1 |         0 |         0 |         0 |                           0 |       1 |
| Visakhapatnam |         0 |         0 |         1 |         1 |                           0 |       2 |
| Vizianagaram  |         1 |         0 |         1 |         0 |                           0 |       2 |
| West Godavari |         1 |         1 |         0 |         1 |                           0 |       3 |
| Total         |         6 |         3 |        24 |         4 |                           3 |      40 |

District-wise amount of loans disbursed during the last five years up to  2024-25 (28.02.2025) in the state of Andhra Pradesh:

| Rs. in lakh   | Rs. in lakh   | Rs. in lakh   | Rs. in lakh   | Rs. in lakh   | Rs. in lakh               | Rs. in lakh   |
|---------------|---------------|---------------|---------------|---------------|---------------------------|---------------|
| District      | 2020-21       | 2021-22       | 2022-23       | 2023-24       | 2024-25 (upto 28.02.2025) | Total         |
| Anantapur     | 0.00          | 0.00          | 0.00          | 1.50          | 1.55                      | 3.05          |
| Chittoor      | 0.00          | 1.10          | 0.89          | 0.00          | 0.46                      | 2.45          |
| East Godavari | 1.50          | 0.00          | 6.29          | 0.50          | 0.00                      | 8.29          |
| Guntur        | 1.50          | 1.50          | 0.00          | 0.00          | 0.00                      | 3.00          |
| Krishna       | 0.00          | 0.00          | 5.40          | 0.00          | 0.00                      | 5.4           |
| Kurnool       | 1.50          | 0.00          | 1.03          | 0.00          | 0.00                      | 2.53          |
| Prakasam      | 0.00          | 0.00          | 0.00          | 0.00          | 0.00                      | 0             |
| SPS Nellore   | 1.50          | 0.00          | 0.00          | 0.00          | 0.00                      | 1.5           |
| Srikakulam    | 0.00          | 0.00          | 0.00          | 0.00          | 0.00                      | 0             |
| Visakhapatnam | 0.00          | 0.00          | 0.20          | 1.31          | 0.00                      | 1.51          |
| Vizianagaram  | 0.94          | 0.00          | 0.83          | 0.00          | 0.00                      | 1.77          |
| West Godavari | 1.50          | 1.00          | 0.00          | 1.50          | 0.00                      | 4.00          |
| Total         | 8.44          | 3.60          | 14.65         | 4.81          | 2.01                      | 33.5          |

State-wise number of accounts turned NPA and credit guarantee claim settled during the last five years up to 2024-25 (28.02.2025)

|                   |     |   Total Outstanding Amount of |    |   Rs. in lakh |
|-------------------|-----|-------------------------------|----|---------------|
| Andhra Pradesh    |   0 |                          0    |  0 |          0    |
| Assam             |   6 |                          5.59 |  0 |          0    |
| Bihar             |   2 |                          1.83 |  0 |          0    |
| Chandigarh        |   0 |                          0    |  0 |          0    |
| Chhattisgarh      |   1 |                          1.5  |  0 |          0    |
| DNH &DD           |   0 |                          0    |  0 |          0    |
| Delhi             |   6 |                          6.62 |  2 |          1.76 |
| Goa               |   3 |                          3.25 |  0 |          0    |
| Gujarat           |   1 |                          1.61 |  0 |          0    |
| Haryana           |  18 |                         25.19 |  6 |          6.92 |
| Himachal Pradesh  |   1 |                          0.56 |  1 |          0.42 |
| Jammu And Kashmir |   0 |                          0    |  0 |          0    |
| Jharkhand         |  46 |                         66.97 |  0 |          0    |
| Karnataka         |  18 |                         21.02 |  0 |          0    |
| Kerala            |  76 |                         81.15 | 10 |          7.23 |
| Ladakh            |   0 |                          0    |  0 |          0    |
| Lakshadweep       |   0 |                          0    |  0 |          0    |
| Madhya Pradesh    |   5 |                          3.76 |  0 |          0    |
| Maharashtra       |  35 |                         32.81 |  6 |          4.14 |
| Manipur           |   0 |                          0    |  0 |          0    |
| Meghalaya         |   0 |                          0    |  0 |          0    |
| Mizoram           |   0 |                          0    |  0 |          0    |
| Nagaland          |   0 |                          0    |  0 |          0    |
| Odisha            |   2 |                          2.88 |  1 |          1.13 |
| Puducherry        |   1 |                          1.04 |  0 |          0    |
| Punjab            |   2 |                          1.96 |  2 |          1.4  |
| Rajasthan         |   6 |                          9.12 |  0 |          0    |
| Sikkim            |   2 |                          2.04 |  0 |          0    |
| Tamil Nadu        |  26 |                         28.32 |  5 |          3.52 |
| Telangana         |   3 |                          2.03 |  1 |          1.35 |
| Tripura           |   0 |                          0    |  0 |          0    |
| Uttar Pradesh     |  10 |                          8.71 |  5 |          3.52 |
| Uttarakhand       |   1 |                          1.19 |  1 |          0.79 |
| West Bengal       |  27 |                         22.29 |  7 |          4.63 |
| Total             | 298 |                        331.45 | 47 |         36.82 |

*****