Lok Sabha Question No. 2845 (UNSTARRED), answered on 2024-08-08
Subject: Credit Guarantee Scheme for Micro and Small Enterprises
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Mahendra Singh Solanky, Dr. Vinod Kumar Bind, Shri Pratap Chandra Sarangi, Shri Anurag Sharma

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

## LOK SABHA UNSTARRED QUESTION NO. 2845

TO BE ANSWERED ON 08.08.2024

## CREDIT GUARANTEE SCHEME FOR MICRO AND SMALL ENTERPRISES

2845. SHRI ANURAG SHARMA: DR. VINOD KUMAR BIND: SHRI MAHENDRA SINGH SOLANKY: SHRI PRATAP CHANDRA SARANGI:

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

- (a) the details of micro and small enterprises to which credit guarantee facility has been provided under the Credit Guarantee Scheme for Micro & Small Enterprises, State-wise;
- (b) the number of applications received for availing benefits under the said scheme i.e., CGTMSE from  Uttar  Pradesh,  Madhya  Pradesh  and  Odisha  including  Bhadohi,  Jhansi,  Dewas  and  Balasore Constituencies  respectively  along  with  the  number  of  applications  which  have  been  sanctioned guarantees;
- (c) whether the Government has framed any guidelines which the lending institutions are required to adhere to while selecting beneficiaries under the said scheme; and
- (d) if so, the details thereof and if not, reasons therefor?

## ANSWER

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

- (a): The State/UT-wise details of credit guarantee extended to Micro and Small  Enterprises under the Credit Guarantee Scheme for Micro and Small Enterprises are given at Annexure - I.
- (b): The  details  of  guarantees  approved  under  the  Credit  Guarantee  Scheme  for  Micro  &  Small Enterprises in the States of Uttar Pradesh, Madhya Pradesh and Odisha are given in Annexure II. The details of guarantees approved for the districts of Bhadohi, Jhansi, Dewas and Balasore are given in Annexure III.
- (c) and (d): Credit  Guarantee  Fund  Trust  for  Micro  and  Small  Enterprises  (CGTMSE)  extends guarantee coverage up to ₹5 Crore for the credit facilities extended to Micro and Small Enterprises  by Member Lending Institution (MLI) without any collateral security and third-party guarantee. As per the information provided by CGTMSE it approves all the applications lodged by MLIs.

*****

Annexure - I

Annexure referred to in reply to part (a) of  the Lok  Sabha Unstarred  Question no. 2845  on 'Credit Guarantee Scheme for Micro and Small Enterprises' due for reply on 08.08.2024.

| CGTMSE - GUARANTEES APPROVED                        | CGTMSE - GUARANTEES APPROVED                        | CGTMSE - GUARANTEES APPROVED                        | CGTMSE - GUARANTEES APPROVED                        |
|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|
| Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 |
| Sr. No.                                             | States / Uts                                        | No.                                                 | Amt. (₹ Crore)                                      |
| 1                                                   | Andaman &Nicobar                                    | 5,074                                               | 467.07                                              |
| 2                                                   | Andhra Pradesh                                      | 754,823                                             | 20,490.01                                           |
| 3                                                   | Arunachal Pradesh                                   | 11,224                                              | 946.09                                              |
| 4                                                   | Assam                                               | 228,020                                             | 14,062.98                                           |
| 5                                                   | Bihar                                               | 415,208                                             | 25,569.75                                           |
| 6                                                   | Chandigarh                                          | 23,991                                              | 2,274.47                                            |
| 7                                                   | Chhattisgarh                                        | 134,305                                             | 10,046.18                                           |
| 8                                                   | Dadra &Nagar Haveli and Daman &Diu                  | 4,644                                               | 985.89                                              |
| 9                                                   | Delhi                                               | 172,746                                             | 27,834.71                                           |
| 10                                                  | Goa                                                 | 35,583                                              | 2,846.87                                            |
| 11                                                  | Gujarat                                             | 441,363                                             | 56,922.79                                           |
| 12                                                  | Haryana                                             | 204,045                                             | 25,175.17                                           |
| 13                                                  | Himachal Pradesh                                    | 122,012                                             | 8,616.61                                            |
| 14                                                  | Jammu & Kashmir                                     | 277,140                                             | 9,293.16                                            |
| 15                                                  | Jharkhand                                           | 236,568                                             | 19,891.81                                           |
| 16                                                  | Karnataka                                           | 679,871                                             | 54,105.34                                           |
| 17                                                  | Kerala                                              | 454,760                                             | 18,872.00                                           |
| 18                                                  | Ladakh                                              | 1,674                                               | 191.55                                              |
| 19                                                  | Lakshadweep                                         | 577                                                 | 18.26                                               |
| 20                                                  | Madhya Pradesh                                      | 451,291                                             | 31,626.14                                           |
| 21                                                  | Maharashtra                                         | 725,847                                             | 80,015.71                                           |
| 22                                                  | Manipur                                             | 16,094                                              | 796.05                                              |
| 23                                                  | Meghalaya                                           | 16,172                                              | 1,153.37                                            |
| 24                                                  | Mizoram                                             | 8,954                                               | 511.69                                              |
| 25                                                  | Nagaland                                            | 16,456                                              | 959.21                                              |
| 26                                                  | Odisha                                              | 344,234                                             | 22,192.27                                           |
| 27                                                  | Puducherry                                          | 14,110                                              | 847.64                                              |
| 28                                                  | Punjab                                              | 292,736                                             | 24,004.66                                           |
| 29                                                  | Rajasthan                                           | 401,434                                             | 28,844.59                                           |
| 30                                                  | Sikkim                                              | 6,006                                               | 388.79                                              |
| 31                                                  | Tamil Nadu                                          | 749,423                                             | 53,220.83                                           |
| 32                                                  | Telangana                                           | 220,348                                             | 19,871.88                                           |
| 33                                                  | Tripura                                             | 28,646                                              | 1,316.98                                            |
| 34                                                  | Uttar Pradesh                                       | 1,076,620                                           | 68,205.30                                           |
| 35                                                  | Uttarakhand                                         | 122,868                                             | 7,848.53                                            |
| 36                                                  | West Bengal                                         | 481,381                                             | 37,912.46                                           |

Source: CGTMSE

Annexure - II

Annexure  referred  to  in  reply  to  part  (b)  of  the  Lok  Sabha  Unstarred  Question  no.  2845  on 'Credit Guarantee Scheme for Micro and Small Enterprises' due for reply on 08.08.2024.

| CGTMSE - Guarantees Approved                        | CGTMSE - Guarantees Approved                        | CGTMSE - Guarantees Approved                        | CGTMSE - Guarantees Approved                        |
|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|
| Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 |
| S. No.                                              | States / Uts                                        | No.                                                 | Amt. (₹ Crore)                                      |
| 1                                                   | Uttar Pradesh                                       | 1,076,620                                           | 68,205.30                                           |
| 2                                                   | Madhya Pradesh                                      | 451,291                                             | 31,626.14                                           |
| 3                                                   | Odisha                                              | 344,234                                             | 22,192.27                                           |

Source: CGTMSE

Annexure - III

Annexure  referred  to  in  reply  to  part  (b)  of  the  Lok  Sabha  Unstarred  Question  no.  2845  on 'Credit Guarantee Scheme for Micro and Small Enterprises' due for reply on 08.08.2024.

| CGTMSE - Guarantees Approved                        | CGTMSE - Guarantees Approved                        | CGTMSE - Guarantees Approved                        | CGTMSE - Guarantees Approved                        |
|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|
| Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 | Cumulative Since Inception in 2000 to June 30, 2024 |
| S. No.                                              | Name of District                                    | No.                                                 | Amt. (₹ Crore)                                      |
| 1                                                   | Bhadohi                                             | 12,888                                              | 454                                                 |
| 2                                                   | Dewas                                               | 7,186                                               | 573                                                 |
| 3                                                   | Balasore                                            | 15,104                                              | 863                                                 |
| 4                                                   | Jhansi                                              | 15,899                                              | 819                                                 |

Source: CGTMSE