Lok Sabha Question No. 41 (UNSTARRED), answered on 2023-02-02
Subject: Loan facility to MSMEs
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: Mitesh Rameshbhai (Bakabhai) Patel, Shardaben Anilbhai Patel

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

## LOK SABHA UNSTARRED QUESTION NO. 41 TO BE ANSWERED ON 02.02.2023

## LOAN FACILITY TO MSMEs

## 41.       SHRI MITESH RAMESHBHAI PATEL ((BAKABHAI): SHRIMATI SHARDABEN ANILBHAI PATEL:

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

- (a): the  measures  being  taken  to  increase  the  loan  facilities  for  Micro,  Small  and  Medium Enterprises (MSMEs) in the country;
- (b) the details of amount of loan provided to MSMEs during the last three years in the country, year and State/UT-wise; and
- (c) the  measures  proposed  to  be  taken  to  increase  the  availability  of  loan  to  MSMEs  in  this regard?

## ANSWER

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

- (a) & (c): The  Government  of  India  has  a  number  of  schemes  to  increase  the  loan  facility towards hassle free credit to 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. Rs.  5  lakh  crore  Emergency  Credit  Line  Guarantee  Scheme  (ECLGS)  for  business, including MSMEs.
- (b): The figures reported by Reserve Bank of India (RBI) on the credit flow to MSME sector by Scheduled Commercial Banks during the last three years in the country, year and State/UTs -wise are attached in Annexure I.

****

## Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No.41 for answer on 02.02.2023.

| Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   | Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   | Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   | Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   | Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   | Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   | Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   | Credit outstanding to MSMESector by Scheduled Commercial Banks (State/UTs-wise)   |
|-----------------------------------------------------------------------------------|-----------------------------------------------------------------------------------|-----------------------------------------------------------------------------------|-----------------------------------------------------------------------------------|-----------------------------------------------------------------------------------|-----------------------------------------------------------------------------------|-----------------------------------------------------------------------------------|-----------------------------------------------------------------------------------|
| Sr.                                                                               |                                                                                   | As on March 31,                                                                   | As on March 31,                                                                   | As on March 31, 2021                                                              | As on March 31, 2021                                                              | As on March 31, 2022                                                              | As on March 31, 2022                                                              |
| No.                                                                               | State/TUs                                                                         | No. of A/cs                                                                       | 2020 Amt O/s                                                                      | No. of A/cs                                                                       | Amt O/s                                                                           | No. of A/cs                                                                       | Amt O/s                                                                           |
| 1                                                                                 | Andamans                                                                          | 0.07                                                                              | 718.93                                                                            | 0.08                                                                              | 786.59                                                                            | 0.07                                                                              | 769.05                                                                            |
| 2                                                                                 | Andhra Pradesh                                                                    | 10.30                                                                             | 57234.34                                                                          | 13.80                                                                             | 62878.79                                                                          | 13.26                                                                             | 71877.26                                                                          |
| 3                                                                                 | Arunachal Pradesh                                                                 | 0.16                                                                              | 812.22                                                                            | 0.18                                                                              | 906.96                                                                            | 0.18                                                                              | 1014.15                                                                           |
| 4                                                                                 | Assam                                                                             | 14.56                                                                             | 20259.55                                                                          | 17.86                                                                             | 22698.71                                                                          | 5.94                                                                              | 20837.48                                                                          |
| 5                                                                                 | Bihar                                                                             | 22.93                                                                             | 29784.55                                                                          | 25.16                                                                             | 33303.92                                                                          | 10.62                                                                             | 34002.47                                                                          |
| 6                                                                                 | Chandigarh                                                                        | 0.69                                                                              | 11074.47                                                                          | 0.51                                                                              | 9729.48                                                                           | 0.41                                                                              | 11968.00                                                                          |
| 7                                                                                 | Chattisgarh                                                                       | 7.04                                                                              | 23107.35                                                                          | 7.42                                                                              | 25988.89                                                                          | 4.43                                                                              | 31919.39                                                                          |
| 8                                                                                 | Dadra &Nagar Haveli                                                               | 0.09                                                                              | 764.20                                                                            | 0.11                                                                              | 1186.64                                                                           | 0.06                                                                              | 1160.42                                                                           |
| 9                                                                                 | Daman &Diu                                                                        | 0.04                                                                              | 542.75                                                                            | 0.03                                                                              | 361.80                                                                            | 0.03                                                                              | 674.50                                                                            |
| 10                                                                                | Delhi                                                                             | 5.54                                                                              | 108136.70                                                                         | 8.14                                                                              | 108796.40                                                                         | 4.29                                                                              | 130604.29                                                                         |
| 11                                                                                | Goa                                                                               | 0.82                                                                              | 4802.98                                                                           | 0.87                                                                              | 5578.65                                                                           | 0.68                                                                              | 5700.10                                                                           |
| 12                                                                                | Gujarat                                                                           | 14.36                                                                             | 128908.09                                                                         | 14.63                                                                             | 146872.76                                                                         | 10.29                                                                             | 185075.74                                                                         |
| 13                                                                                | Haryana                                                                           | 8.14                                                                              | 55912.05                                                                          | 8.64                                                                              | 62457.67                                                                          | 6.57                                                                              | 80103.24                                                                          |
| 14                                                                                | Himachal Pradesh                                                                  | 1.42                                                                              | 7968.07                                                                           | 1.83                                                                              | 9830.08                                                                           | 1.64                                                                              | 11665.19                                                                          |
| 15                                                                                | Jammu &Kashmir                                                                    | 3.11                                                                              | 14656.28                                                                          | 3.90                                                                              | 16354.21                                                                          | 4.15                                                                              | 16694.63                                                                          |
| 16                                                                                | Jharkhand                                                                         | 12.05                                                                             | 21360.57                                                                          | 13.49                                                                             | 23839.56                                                                          | 6.71                                                                              | 26257.14                                                                          |
| 17                                                                                | Karnataka                                                                         | 24.35                                                                             | 90853.38                                                                          | 24.32                                                                             | 106007.59                                                                         | 15.48                                                                             | 126575.65                                                                         |
| 18                                                                                | Kerala                                                                            | 14.06                                                                             | 59657.07                                                                          | 15.46                                                                             | 60200.80                                                                          | 14.49                                                                             | 67543.53                                                                          |
| 19                                                                                | Lakshadweep                                                                       | 0.01                                                                              | 20.16                                                                             | 0.02                                                                              | 22.65                                                                             | 0.01                                                                              | 25.93                                                                             |
| 20                                                                                | Madhya Pradesh                                                                    | 21.70                                                                             | 57266.73                                                                          | 23.68                                                                             | 63009.09                                                                          | 15.85                                                                             | 72347.61                                                                          |
| 21                                                                                | Maharashtra                                                                       | 38.54                                                                             | 303670.86                                                                         | 39.94                                                                             | 352894.81                                                                         | 26.91                                                                             | 339446.16                                                                         |
| 22                                                                                | Manipur                                                                           | 0.79                                                                              | 1066.15                                                                           | 0.89                                                                              | 1153.81                                                                           | 0.45                                                                              | 1159.81                                                                           |
| 23                                                                                | Meghalaya                                                                         | 0.46                                                                              | 1130.63                                                                           | 0.53                                                                              | 1237.84                                                                           | 0.25                                                                              | 1334.84                                                                           |
| 24                                                                                | Mizoram                                                                           | 0.24                                                                              | 605.75                                                                            | 0.29                                                                              | 697.14                                                                            | 0.15                                                                              | 705.42                                                                            |
| 25                                                                                | Nagaland                                                                          | 0.39                                                                              | 775.10                                                                            | 0.44                                                                              | 863.59                                                                            | 0.17                                                                              | 880.93                                                                            |
| 26                                                                                | Odisha                                                                            | 19.49                                                                             | 33983.61                                                                          | 20.89                                                                             | 36311.11                                                                          | 12.03                                                                             | 39905.15                                                                          |
| 27                                                                                | Puducherry                                                                        | 1.48                                                                              | 3051.96                                                                           | 1.17                                                                              | 3192.45                                                                           | 0.92                                                                              | 3456.85                                                                           |
| 28                                                                                | Punjab                                                                            | 9.45                                                                              | 53412.42                                                                          | 9.71                                                                              | 59272.69                                                                          | 7.38                                                                              | 70967.23                                                                          |
| 29                                                                                | Rajasthan                                                                         | 14.18                                                                             | 63411.14                                                                          | 16.27                                                                             | 76129.31                                                                          | 10.58                                                                             | 95615.51                                                                          |
| 30                                                                                | Sikkim                                                                            | 0.26                                                                              | 900.51                                                                            | 0.33                                                                              | 813.04                                                                            | 0.18                                                                              | 808.66                                                                            |
| 31                                                                                | Tamil Nadu                                                                        | 43.41                                                                             | 181634.98                                                                         | 34.21                                                                             | 191350.67                                                                         | 39.07                                                                             | 219118.87                                                                         |
| 32                                                                                | Telangana                                                                         | 6.39                                                                              | 62018.79                                                                          | 9.79                                                                              | 66334.66                                                                          | 7.37                                                                              | 83155.95                                                                          |
| 33                                                                                | Tripura                                                                           | 2.23                                                                              | 2689.29                                                                           | 3.05                                                                              | 3116.69                                                                           | 0.61                                                                              | 2168.20                                                                           |
| 34                                                                                | Uttarakhand                                                                       | 4.91                                                                              | 33662.37                                                                          | 10.43                                                                             | 28751.41                                                                          | 2.56                                                                              | 17591.92                                                                          |
| 35                                                                                | Uttar Pradesh                                                                     | 28.33                                                                             | 88733.16                                                                          |                                                                                   |                                                                                   | 24.33                                                                             | 136723.44                                                                         |
| 36 West                                                                           | Bengal                                                                            | 52.17                                                                             | 88995.02                                                                          | 29.58 62.53                                                                       | 105215.15 95779.19                                                                | 16.51                                                                             | 101202.28                                                                         |
| Total Source : RBI                                                                | Total Source : RBI                                                                | 384.18                                                                            | 1613582.17                                                                        | 420.19                                                                            | 1783924.80                                                                        | 264.67                                                                            | 2011056.98                                                                        |