Lok Sabha Question No. 85 (UNSTARRED), answered on 2023-07-20
Subject: Development of MSMEs
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Vishnu Dayal Ram

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 85 TO BE ANSWERED ON: 20.07.2023

## DEVELOPMENT OF MSMEs

## 85.            SHRI VISHNU DAYAL RAM:

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

- (a) the steps taken by the Government to provide financial assistance to develop Micro, Small and Medium Enterprises (MSMEs) in the country;
- (b) the  details  of  the  current  outstanding  loan  disbursed  by  banks  and  States/UTs  to  MSME sector;
- (c) the details of closed/sick MSME Units during Covid-19 period;
- (d) the steps being taken by the Government to revive sick/closed MSME Units during Covid-19 period;
- (e) whether the Government has signed an agreement with commercial banks in order to provide loan to MSMEs under this scheme; and
- (f) if so, the details thereof?

## ANSWER

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

- (a): The Government of India has a number of schemes to provide financial assistance to develop Micro, Small and Medium Enterprises (MSMEs) in the country.  Some of them are:
- i. Credit Guarantee Scheme for Micro & Small Enterprises;
- ii. Prime Minister's Employment Generation programme (PMEGP);
- iii. Self Reliant India (SRI) Fund.
- (b): The figures reported by  Reserve  Bank of  India  (RBI) on the  Credit outstanding to MSME Sector, by Scheduled Commercial Banks, as on March 31, 2023 (State/UTs -wise) are attached in Annexure I.
- (c): The details of closed/shut down MSME Units during the Covid -19 period (FY-2020-21 to FY-2022-23) as available from Udyam and Udyog Aadhaar Memorandum are attached in Annexure II.
- (d): The Government has taken various steps to revive sick/closed MSME Units during Covid-19 period. Some of these steps are as follows:
- i.  Rs.  5.00  lakh  crore  Emergency  Credit  Line  Guarantee  Scheme  (ECLGS)  for  businesses, including MSMEs;
- ii. Rs. 50,000 crore equity infusion through SRI Fund;
- iii. New revised criteria for classification of MSMEs;
- iv. No global tenders for procurement up to Rs. 200 crores;
- v. 'Udyam Registration' for MSMEs, for Ease of Doing Business. As per Udyam portal, a total 1.75  crore  MSMEs  have  been  registered  on  Udyam  Portal  with  an  employment  of  12.44 crore till 17.07.2023.

- vi.  Launching  of  an  online  Portal  'Champions'  in  June,  2020  to  cover  many  aspects  of  egovernance including redressing grievances and handholding of MSMEs;

vii. Inclusion of Retail and Wholesale traders as MSMEs;

viii. Non-tax benefits extended for 3 years in case of an upward change in status of MSMEs.

- ix. Launch of Udyam Assist Platform on 11.01.2023 to bring Informal Micro Enterprises under the formal ambit for availing the benefit under Priority Sector Lending.
- x. Budget 2023-24 announced the infusion of Rs. 9,000 crore in the corpus of Credit Guarantee Fund Trust for Micro & Small Enterprises to enable an additional credit of Rs. 2.00 lakh crore with reduced cost of credit.

(e) & (f): The  Ministry  of  MSME,  Government  of  India,  does  not  directly  provide  loan  to MSMEs  for  any  of  its  credit  schemes.  All  the  credit  schemes  of  the  Ministry  are  implemented through  Banks/Financial  Institutions.  Credit  Guarantee  Scheme  for  Micro  and  Small  Enterprises implemented  by  Credit  Guarantee  Fund  Trust  for  Micro  and  Small  Enterprises  through  Member Lending Institutions.

*****

## Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 85 for answer on 20.07.2023.

| Credit outstanding to MSMESector by Scheduled Commercial Banks as on March 31, 2023   | Credit outstanding to MSMESector by Scheduled Commercial Banks as on March 31, 2023   | Credit outstanding to MSMESector by Scheduled Commercial Banks as on March 31, 2023   |
|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------|
| Sr. No                                                                                | State                                                                                 | (Amount Outstanding in ₹Cr) Amount Outstanding                                        |
| 1                                                                                     | Andaman &Nicobar                                                                      | 914.82                                                                                |
| 2                                                                                     | Andhra Pradesh                                                                        | 83,162.34                                                                             |
| 3                                                                                     | Arunachal Pradesh                                                                     | 1,091.71                                                                              |
| 4                                                                                     | Assam                                                                                 | 24,120.24                                                                             |
| 5                                                                                     | Bihar                                                                                 | 40,029.60                                                                             |
| 6                                                                                     | Chandigarh                                                                            | 12,605.26                                                                             |
| 7                                                                                     | Chattisgarh                                                                           | 36,423.07                                                                             |
| 8                                                                                     | Dadra &Nagar Haveli                                                                   | 1,356.75                                                                              |
| 9                                                                                     | Daman &Diu                                                                            | 699.97                                                                                |
| 10                                                                                    | Delhi                                                                                 | 1,39,553.03                                                                           |
| 11                                                                                    | Goa                                                                                   | 6,126.68                                                                              |
| 12                                                                                    | Gujarat                                                                               | 2,11,808.82                                                                           |
| 13                                                                                    | Haryana                                                                               | 97,119.95                                                                             |
| 14                                                                                    | Himachal Pradesh                                                                      | 13,683.43                                                                             |
| 15                                                                                    | Jammu &Kashmir                                                                        | 16,502.48                                                                             |
| 16                                                                                    | Jharkhand                                                                             | 29,732.02                                                                             |
| 17                                                                                    | Karnataka                                                                             | 1,40,027.83                                                                           |
| 18                                                                                    | Kerala                                                                                | 76,807.52                                                                             |
| 19                                                                                    | Lakshadweep                                                                           | 32.46                                                                                 |
| 20                                                                                    | Madhya Pradesh                                                                        | 83,396.88                                                                             |
| 21                                                                                    | Maharashtra                                                                           | 3,80,301.18                                                                           |
| 22                                                                                    | Manipur                                                                               | 1,429.85                                                                              |
| 23                                                                                    | Meghalaya                                                                             | 1,467.25                                                                              |
| 24                                                                                    | Mizoram                                                                               | 735.25                                                                                |
| 25                                                                                    | Nagaland                                                                              | 1,059.01                                                                              |
| 26                                                                                    | Odisha                                                                                | 45,128.43                                                                             |
| 27                                                                                    | Puducherry                                                                            | 3,986.93                                                                              |
| 28                                                                                    | Punjab                                                                                | 80,893.45                                                                             |
| 29                                                                                    | Rajasthan                                                                             | 1,04,760.37                                                                           |
| 30                                                                                    | Sikkim                                                                                | 970.95                                                                                |
| 31                                                                                    | Tamil Nadu                                                                            | 2,39,879.93                                                                           |
| 32                                                                                    | Telangana                                                                             | 96,028.26                                                                             |
| 33                                                                                    | Tripura                                                                               | 2,340.35                                                                              |
| 34                                                                                    | Uttarakhand                                                                           | 47,319.83                                                                             |
| 35                                                                                    | Uttar Pradesh                                                                         | 1,32,130.25                                                                           |
| 36                                                                                    | West Bengal                                                                           | 1,06,509.13                                                                           |
| Total                                                                                 |                                                                                       | 22,60,135.28                                                                          |

Annexure II

## Annexure referred to in reply to part (c) of Lok Sabha Unstarred Question No. 85 for answer on 20.07.2023.

| UDYAM                             | UDYAM                          |
|-----------------------------------|--------------------------------|
| FY                                | Closed/Shut Down               |
| 2020-21 (01/07/2020 - 31/03/2021) | 175                            |
| 2021-22                           | 6,222                          |
| 2022-23                           | 13,290                         |
| Udyog Aadhaar Memorandum (UAM)    | Udyog Aadhaar Memorandum (UAM) |
| FY                                | Closed/Shut Down               |
| 2019-20                           | 245                            |
| 2020-21 (01/04/2020 - 30/06/2020) | 155                            |