Lok Sabha Question No. 1001 (UNSTARRED), answered on 2026-02-05
Subject: Accounts under CGTMSE Component
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Bastipati Nagaraju

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

## LOK SABHA UNSTARRED QUESTION NO. 1001 TO BE ANSWERED ON 05.02.2026

## ACCOUNTS UNDER CGTMSE COMPONENT

1001. SHRI BASTIPATI NAGARAJU:

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

- (a) the details regarding the total number of accounts covered under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) component under the Raising and Accelerating MSME Performance (RAMP) scheme since its inception, year, State and category-wise;
- (b) the number of accounts for which guarantees were invoked, year, State and category-wise during the last five years; and
- (c) the details and the number of lending institutions registered under the said scheme, Statewise?

## ANSWER

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

- (a): Credit  Guarantee  Scheme  (CGS)  for  Micro  and  Small  Enterprises  (MSEs)  is  one  of  the flagship schemes of the Ministry of MSME. It is implemented through the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) to provide credit guarantees for loans extended by  Member  Lending  Institutions  (MLIs)  to  MSEs  without  collateral  security  or  third-party guarantees.

The year-wise, State-wise and category-wise details of guarantees approved under the CGS since inception are provided at Annexure-I.

- (b): The year-wise, State-wise and category-wise details of guarantees invoked under the CGS are provided at Annexure-II.
- (c): A total of 277 MLIs were registered under CGTMSE across the country as on 31.03.2025.

*****

Annexure  referred  in  part  (a)  of  answer  to  Lok  Sabha  Unstarred  Question  no.  1001  on 'Accounts under CGTMSE Component' due for reply on 05/02/2026.

| CGS- Guarantees approved   | CGS- Guarantees approved   | CGS- Guarantees approved                      |
|----------------------------|----------------------------|-----------------------------------------------|
| Duration                   | No. of guarantees approved | Amount of guarantees approved in Rs. in Crore |
| FY 2000-01                 | 951                        | 6                                             |
| FY 2001-02                 | 2,296                      | 30                                            |
| FY 2002-03                 | 5,217                      | 62                                            |
| FY 2003-04                 | 6,603                      | 118                                           |
| FY 2004-05                 | 9,518                      | 327                                           |
| FY 2005-06                 | 16,284                     | 462                                           |
| FY 2006-07                 | 27,457                     | 705                                           |
| FY 2007-08                 | 30,285                     | 1,056                                         |
| FY 2008-09                 | 53,708                     | 2,199                                         |
| FY 2009-10                 | 1,51,387                   | 6,875                                         |
| FY 2010-11                 | 2,54,000                   | 12,589                                        |
| FY 2011-12                 | 2,43,981                   | 13,784                                        |
| FY 2012-13                 | 2,88,537                   | 16,062                                        |
| FY 2013-14                 | 3,48,475                   | 18,188                                        |
| FY 2014-15                 | 4,03,422                   | 21,275                                        |
| FY 2015-16                 | 5,13,978                   | 19,949                                        |
| FY 2016-17                 | 4,52,127                   | 19,931                                        |
| FY 2017-18                 | 2,63,195                   | 19,066                                        |
| FY 2018-19                 | 4,35,520                   | 30,169                                        |
| FY 2019-20                 | 8,46,650                   | 45,851                                        |
| FY 2020-21                 | 8,35,592                   | 36,899                                        |
| FY 2021-22                 | 7,17,020                   | 56,172                                        |
| FY 2022-23                 | 11,65,786                  | 1,04,781                                      |
| FY 2023-24                 | 17,24,073                  | 2,02,807                                      |
| FY 2024-25                 | 27,15,275                  | 3,05,507                                      |
| Total                      | 1,15,11,337                | 9,34,871                                      |

Annexure-I

Annexure referred in part (a) of answer to Lok Sabha Unstarred Question no. 1001 on 'Accounts under CGTMSE Components' due for reply on 05/02/2026.

| Cumulative since inception in 2000 till FY 2024-25   | Cumulative since inception in 2000 till FY 2024-25   | Cumulative since inception in 2000 till FY 2024-25   | Cumulative since inception in 2000 till FY 2024-25   |
|------------------------------------------------------|------------------------------------------------------|------------------------------------------------------|------------------------------------------------------|
| Sr. No.                                              | States / UTs                                         | No. of guarantees approved                           | Amount approved (in Rs. Crore)                       |
| 1                                                    | Andaman &Nicobar Islands                             | 5,603                                                | 580                                                  |
| 2                                                    | Andhra Pradesh                                       | 8,50,875                                             | 27,408                                               |
| 3                                                    | Arunachal Pradesh                                    | 12,645                                               | 1,248                                                |
| 4                                                    | Assam                                                | 2,85,825                                             | 19,403                                               |
| 5                                                    | Bihar                                                | 6,13,313                                             | 37,809                                               |
| 6                                                    | Chandigarh                                           | 40,865                                               | 4,824                                                |
| 7                                                    | Chhattisgarh                                         | 1,68,004                                             | 13,568                                               |
| 8                                                    | Dadra& Nagar Haveli &Daman &Diu                      | 5,509                                                | 1,240                                                |
| 9                                                    | Delhi                                                | 2,19,934                                             | 38,446                                               |
| 10                                                   | Goa                                                  | 40,936                                               | 3,558                                                |
| 11                                                   | Gujarat                                              | 5,34,214                                             | 77,627                                               |
| 12                                                   | Haryana                                              | 2,68,276                                             | 33,902                                               |
| 13                                                   | Himachal Pradesh                                     | 1,40,742                                             | 10,498                                               |
| 14                                                   | Jammu &Kashmir                                       | 3,12,324                                             | 11,490                                               |
| 15                                                   | Jharkhand                                            | 2,93,379                                             | 25,214                                               |
| 16                                                   | Karnataka                                            | 8,39,731                                             | 72,219                                               |
| 17                                                   | Kerala                                               | 5,12,891                                             | 25,517                                               |
| 18                                                   | Ladakh                                               | 2,154                                                | 262                                                  |
| 19                                                   | Lakshadweep                                          | 583                                                  | 19                                                   |
| 20                                                   | Madhya Pradesh                                       | 5,68,820                                             | 43,773                                               |
| 21                                                   | Maharashtra                                          | 9,34,425                                             | 1,14,182                                             |
| 22                                                   | Manipur                                              | 17,564                                               | 947                                                  |
| 23                                                   | Meghalaya                                            | 18,365                                               | 1,411                                                |
| 24                                                   | Mizoram                                              | 10,196                                               | 622                                                  |
| 25                                                   | Nagaland                                             | 17,781                                               | 1,138                                                |
| 26                                                   | Odisha                                               | 4,26,365                                             | 30,448                                               |
| 27                                                   | Puducherry                                           | 18,052                                               | 1,124                                                |
| 28                                                   | Punjab                                               | 3,65,428                                             | 32,454                                               |
| 29                                                   | Rajasthan                                            | 5,07,031                                             | 40,495                                               |
| 30                                                   | Sikkim                                               | 7,414                                                | 524                                                  |
| 31                                                   | Tamil Nadu                                           | 9,01,684                                             | 71,083                                               |
| 32                                                   | Telangana                                            | 3,05,924                                             | 29,827                                               |
| 33                                                   | Tripura                                              | 35,453                                               | 1,794                                                |
| 34                                                   | Uttar Pradesh                                        | 14,27,444                                            | 95,718                                               |
| 35                                                   | Uttarakhand                                          | 1,44,527                                             | 10,137                                               |
| 36                                                   | West Bengal                                          | 6,57,061                                             | 54,361                                               |
| Total                                                | Total                                                | 1,15,11,337                                          | 9,34,871                                             |

Annexure-I Annexure referred in part (a) of answer to Lok Sabha Unstarred Question no. 1001 on 'Accounts under CGTMSE Components' due for reply on 05/02/2026.

| CGS - Guarantees approved - Category-wise   | CGS - Guarantees approved - Category-wise   | CGS - Guarantees approved - Category-wise   | CGS - Guarantees approved - Category-wise    |
|---------------------------------------------|---------------------------------------------|---------------------------------------------|----------------------------------------------|
| Cumulative since inception Micro            | Cumulative since inception Micro            | Small                                       | Small                                        |
| No. of guarantees approved                  | Amount of guaratees approved (in Rs. Crore) | No. of guarantees approved                  | Amount of guarantees approved (in Rs. Crore) |
| 79,00,273                                   | 4,70,937                                    | 36,11,064                                   | 4,63,933                                     |

Annexure-II

Annexure referred in part (b) of answer to Lok Sabha Unstarred Question no. 1001 on 'Accounts under CGTMSE Component' due for reply on 05/02/2026.

| CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   | CGTMSE - Guarantees invoked   |
|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------|
|                               |                               | FY 2020-21                    | FY 2020-21                    | FY 2021-22                    | FY 2021-22                    | FY 2022-23                    | FY 2022-23                    | FY 2023-24                    | FY 2023-24                    | FY 2024-25                    | FY 2024-25                    |
| Sr. No                        | States / UTs                  | No. of guarantees invoked     | Amount (in Rs. Crore)         | No. of guarantees invoked     | Amount (in Rs. Crore)         | No. of guarantees invoked     | Amount (in Rs. Crore)         | No. of guarantees invoked     | Amount (in Rs. Crore)         | No. of guarantees invoked     | Amount (in Rs. Crore)         |
| 1                             | Andaman And Nicobar Islands   | 5                             | 0.14                          | 19                            | 0.73                          | 26                            | 0.44                          | 79                            | 2.27                          | 47                            | 1.53                          |
| 2                             | Andhra Pradesh                | 499                           | 18.09                         | 3,067                         | 49.49                         | 7,459                         | 69.94                         | 7,467                         | 74.49                         | 11,550                        | 136.72                        |
| 3                             | Arunachal Pradesh             | 113                           | 1.60                          | 83                            | 2.26                          | 134                           | 6.05                          | 138                           | 5.67                          | 90                            | 3.36                          |
| 4                             | Assam                         | 1,342                         | 18.01                         | 1,834                         | 26.65                         | 2,575                         | 42.28                         | 3,142                         | 61.45                         | 3,069                         | 57.29                         |
| 5                             | Bihar                         | 1,538                         | 33.93                         | 2,606                         | 49.35                         | 3,949                         | 68.87                         | 5,926                         | 117.09                        | 5,883                         | 115.79                        |
| 6                             | Chandigarh                    | 59                            | 2.14                          | 172                           | 3.80                          | 223                           | 7.73                          | 180                           | 6.82                          | 241                           | 7.76                          |
| 7                             | Chhattisgarh                  | 291                           | 4.72                          | 1,061                         | 17.58                         | 1,480                         | 30.55                         | 2,021                         | 41.89                         | 2,291                         | 43.07                         |
| 8                             | Delhi                         | 479                           | 22.32                         | 1,648                         | 64.81                         | 2,537                         | 93.18                         | 2,366                         | 109.93                        | 3,209                         | 136.30                        |
| 9                             | Goa                           | 65                            | 2.26                          | 120                           | 3.31                          | 245                           | 9.09                          | 114                           | 4.34                          | 151                           | 5.28                          |
| 10                            | Gujarat                       | 968                           | 35.76                         | 2,798                         | 69.45                         | 3,460                         | 91.78                         | 4,819                         | 118.85                        | 6,974                         | 165.70                        |
| 11                            | Haryana                       | 579                           | 20.48                         | 1,672                         | 42.06                         | 2,177                         | 58.54                         | 3,231                         | 78.71                         | 4,859                         | 122.38                        |
| 12                            | Himachal Pradesh              | 324                           | 7.61                          | 372                           | 8.40                          | 482                           | 14.89                         | 1,199                         | 28.29                         | 1,043                         | 30.59                         |
| 13                            | Jammu And Kashmir             | 389                           | 4.68                          | 506                           | 5.12                          | 462                           | 8.34                          | 1,028                         | 18.20                         | 875                           | 18.28                         |
| 14                            | Jharkhand                     | 1,699                         | 45.21                         | 2,249                         | 63.55                         | 2,372                         | 58.02                         | 3,416                         | 82.49                         | 3,700                         | 90.09                         |
| 15                            | Karnataka                     | 3,247                         | 84.42                         | 5,306                         | 120.32                        | 8,056                         | 180.60                        | 7,696                         | 199.22                        | 8,737                         | 220.79                        |
| 16                            | Kerala                        | 2,293                         | 31.22                         | 3,553                         | 55.00                         | 6,819                         | 104.19                        | 7,092                         | 112.17                        | 6,601                         | 110.68                        |
| 17                            | Ladakh                        | 4                             | 0.12                          | 0                             | 0.00                          | 1                             | 0.04                          | 5                             | 0.10                          | 9                             | 0.15                          |
| 18                            | Lakshadweep                   | 1                             | 0.06                          | 0                             | 0.00                          | 0                             | 0.00                          | 1                             | 0.01                          | 0                             | 0.00                          |
| 19                            | Madhya Pradesh                | 2,121                         | 41.83                         | 4,098                         | 76.29                         | 11,732                        | 147.21                        | 14,019                        | 205.71                        | 12,747                        | 201.55                        |
| 20                            | Maharashtra                   | 3,904                         | 98.89                         | 9,129                         | 187.82                        | 9,614                         | 220.59                        | 12,101                        | 324.34                        | 16,135                        | 393.32                        |
| 21                            | Manipur                       | 279                           | 2.57                          | 96                            | 1.69                          | 178                           | 2.51                          | 488                           | 11.62                         | 378                           | 7.98                          |

| 22   | Meghalaya                                    | 87     |   0.82 | 164    | 2.05     | 195      | 3.31     | 181      | 3.14     | 110      | 2.22     |
|------|----------------------------------------------|--------|--------|--------|----------|----------|----------|----------|----------|----------|----------|
| 23   | Mizoram                                      | 31     |   0.42 | 31     | 1.31     | 71       | 1.86     | 181      | 5.00     | 123      | 2.95     |
| 24   | Nagaland                                     | 220    |   1.58 | 164    | 2.19     | 223      | 3.65     | 153      | 2.51     | 167      | 3.00     |
| 25   | Odisha                                       | 1,218  |  21.38 | 2,429  | 41.40    | 2,843    | 60.24    | 5,237    | 97.71    | 5,994    | 90.89    |
| 26   | Puducherry                                   | 33     |   1.3  | 109    | 2.24     | 152      | 2.41     | 260      | 5.68     | 342      | 5.69     |
| 27   | Punjab                                       | 546    |  21.35 | 1,618  | 39.42    | 1,913    | 49.84    | 3,059    | 58.80    | 4,795    | 98.86    |
| 28   | Rajasthan                                    | 550    |  15.58 | 2,183  | 39.40    | 2,909    | 54.22    | 5,769    | 88.18    | 9,967    | 115.36   |
| 29   | Sikkim                                       | 6      |   0.05 | 12     | 0.09     | 45       | 0.78     | 57       | 1.21     | 131      | 2.81     |
| 30   | Tamil Nadu                                   | 2,159  |  58.97 | 6,389  | 114.45   | 9,003    | 173.59   | 11,134   | 235.60   | 11,306   | 236.11   |
| 31   | Telangana                                    | 1,005  |  23.34 | 2,873  | 58.88    | 3,381    | 73.66    | 3,093    | 68.70    | 4,945    | 93.28    |
| 32   | The Dadra And Nagar Haveli And Daman And Diu | 11     |   1.14 | 31     | 2.75     | 48       | 2.57     | 42       | 1.45     | 50       | 1.87     |
| 33   | Tripura                                      | 187    |   1.55 | 95     | 0.98     | 144      | 1.82     | 267      | 5.45     | 364      | 4.64     |
| 34   | Uttar Pradesh                                | 4,297  |  94.63 | 7,913  | 152.78   | 14,232   | 247.18   | 20,465   | 387.44   | 20,544   | 404.34   |
| 35   | Uttarakhand                                  | 267    |   5.64 | 616    | 12.24    | 958      | 14.09    | 1,527    | 31.26    | 1,765    | 31.89    |
| 36   | West Bengal                                  | 999    |  32.2  | 3,214  | 73.14    | 4,267    | 107.96   | 6,009    | 163.22   | 7,686    | 187.49   |
|      | TOTAL                                        | 31,815 | 756    | 68,230 | 1,391.00 | 1,04,365 | 2,012.00 | 1,33,962 | 2,759.00 | 1,56,878 | 3,150.00 |

| CGS - Guarantees Invoked - Category-wise   | CGS - Guarantees Invoked - Category-wise   | CGS - Guarantees Invoked - Category-wise   | CGS - Guarantees Invoked - Category-wise   | CGS - Guarantees Invoked - Category-wise   |
|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|
|                                            | Micro                                      | Micro                                      | Small                                      | Small                                      |
| Duration                                   | No. of guarantees invoked                  | Amount (in Rs. Crore)                      | No. of guarantees invoked                  | Amount (in Rs. Crore)                      |
| FY 2020-21                                 | 16,001                                     | 327                                        | 15,814                                     | 429                                        |
| FY 2021-22                                 | 41,745                                     | 783                                        | 26,485                                     | 608                                        |
| FY 2022-23                                 | 81,871                                     | 1,346                                      | 22,494                                     | 666                                        |
| FY 2023-24                                 | 1,02,785                                   | 1,903                                      | 31,177                                     | 856                                        |
| FY 2024-25                                 | 1,26,188                                   | 2,438                                      | 30,690                                     | 712                                        |