Lok Sabha Question No. 6220 (UNSTARRED), answered on 2026-04-02
Subject: Credit Disbursement to MSMEs
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Gyaneshwar Patil

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

## LOK SABHA

UNSTARRED QUESTION NO. 6220

TO BE ANSWERED ON: 02.04.2026

## CREDIT DISBURSEMENT TO MSMEs

## 6220.

SHRI GYANESHWAR PATIL:

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

- (a) the current status of credit disbursement to Micro, Small and Medium Enterprises (MSMEs) in Madhya Pradesh under various schemes;
- (b) the  manner in  which tribal  artisans  and  handloom  clusters  are  being  integrated  into  the  formal MSME network;
- (c) the  prevailing  employment  trends  in  MSMEs  located  in  the  backward  districts  of  Madhya Pradesh; and
- (d) whether the Government proposes to provide any special fund or package to link tribal artisans and handloom clusters of Madhya Pradesh with the MSME sector and if so, the details thereof?

## ANSWER

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

(a) to (d): As  informed  by  Reserve  Bank  of  India,  the  credit  disbursement  to  Micro,  Small  and Medium  Enterprises  (MSME)  sector  by  Scheduled  Commercial  Bank  in  Madhya  Pradesh  has  shown significant growth in the last three years, as given below:

| Financial Year   | Amount disbursed (in Rs. crore)   |
|------------------|-----------------------------------|
| 2022-23          | 59,122.10                         |
| 2023-24          | 70,985.97                         |
| 2024-25          | 89,147.98                         |

As per the Udyam Registration Portal, as on 31.03.2025, the total employment recorded was 1.16 crore  involving  39.47  lakh  registered  MSMEs  in  Madhya  Pradesh,  which  has  increased  to  1.61  crore involving  49.28  lakh  registered  MSMEs,  as  on  28.03.2026  including  MSMEs  in  tribal  areas  and handloom sector.

Government has taken various measures to improve credit penetration and reduce financial stress for MSMEs including tribal artisans and handloom clusters across the country, which inter-alia includes:

- i. Ministry  of  MSME  implements  Credit  Guarantee  Scheme  (CGS)  for  Micro  Small  Enterprises (MSEs)  through  Credit  Guarantee  Fund  Trust  for  Micro  and  Small  Enterprises  (CGTMSE)  to provide credit guarantee for loans extended to new as well as existing MSEs by Member Lending Institutions  without  collateral  security  and  third-party  guarantee.  Since  inception  in  2000,  till 28.02.2026,  a  total  of  1.39  crore  credit  guarantees  amounting  to  Rs.  13.17  lakh  crore  have  been extended to MSEs. Out of which, 6.67 lakh guarantees amounting to Rs. 60,367 crore have been extended to MSEs in Madhya Pradesh.
- ii. Prime Minister's Employment Generation Programme provides Margin Money subsidy up to 35%, for setting up of new micro enterprises, in the non-farm sector with project cost of Rs. 50 lakh for Manufacturing and Rs. 20 lakh for Services enterprises. Since inception till 28.02.2026, 11.28 lakh micro units have been assisted by way of margin money subsidy amounting to Rs. 31,466 crore, out of  which  53,554  micro  units  in  Madhya  Pradesh  have  been  assisted  by  way  of  margin  money subsidy of Rs. 1803.32 crore.
- iii. PM Vishwakarma Scheme was launched on 17.09.2023 to provide end-to-end holistic support to artisans and craftspeople of 18 traditional trades who work with their hands and tools. The Scheme includes provision of loans up to Rs. 3 lakh with interest subvention up to 8%. Since inception, loans of Rs. 4,165.87 crore have been disbursed to 5.07 lakh loan accounts of which loans of Rs 452.32  crore have been disbursed to 51,102 loan accounts in Madhya Pradesh.
- iv. Self-Reliant  India  (SRI)  Fund  has  been  set  up  to  infuse  Rs.  50,000  crore  as  equity  funding  in MSMEs with a provision of Rs. 10,000 crore from the Government of India and Rs. 40,000 crore through Private Equity/Venture Capital Funds. Since inception in 2021 till 28.02.2026, 731 MSMEs have been assisted by way of investing more than Rs. 17,438Crore, out of which 07 MSMEs have been assisted with a total investment fund of Rs. 49.30 crore in Madhya Pradesh.
- v. Ministry  of  MSME  implements  Micro  and  Small  Enterprises-Cluster  Development  Programme (MSE-CDP)  to  provide  financial  support  to  establish  Common  Facility  Centers  (CFCs)  and create/upgrade Infrastructure Facilities in new/existing Industrial Area/Estates/Flatted Factory Complex in the existing cluster to enhance the productivity and competitiveness of MSEs. MSECDP is a demand driven Central Sector Scheme wherein, State Governments send proposals as per common needs of existing cluster in their States/UTs. Total 606 (242 CFCs and 364 ID) Projects including in Madhya Pradesh, have been approved under the Scheme.

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