Lok Sabha Question No. 3224 (UNSTARRED), answered on 2026-03-12
Subject: Logistic Support for MSMEs in Bihar
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Dr. Mohammad Jawed, Shri Ashok Kumar Yadav, Dr. Alok Kumar Suman

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

## LOK SABHA UNSTARRED QUESTION NO. 3224 TO BE ANSWERED ON 12.03.2026

## LOGISTIC SUPPORT FOR MSMEs IN BIHAR

## 3224.   DR. MOHAMMAD JAWED: DR. ALOK KUMAR SUMAN: SHRI ASHOK KUMAR YADAV:

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

- (a) the  current  status  of  Micro,  Small  and  Medium  Enterprises  (MSMEs)  in  Bihar  including  the number of registered MSMEs, sector-wise and the employment generated during the last three  years, district-wise;
- (b) the financial, infrastructural and market-related challenges faced by MSMEs  in  Bihar, particularly in backward and flood-prone regions;
- (c) whether Gopalganj and other underserved districts have received focused support and if so, the details thereof;
- (d) the details of schemes and incentives implemented in Bihar under various Central Government initiatives for MSMEs during the last five years, including credit disbursal, subsidies, skill development and technology upgradation, scheme and year-wise;
- (e) whether  the  Government  has  assessed  the  impact  of  these  schemes  on  MSME  growth, sustainability and employment in Bihar and if so, the details thereof; and
- (f) whether the Government proposes any special package or targeted intervention for MSMEs in Bihar  to  address  regional  imbalances,  lack  of  industrial  clusters,  credit  constraints  and  infrastructure gaps and if so, the details and the timeline thereof?

## ANSWER

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

- (a): As  per  the  data  available  on  the  Udyam  Registration  Portal,    the  Sector  wise,  districts  wise number of Micro, Small and Medium Enterprises registered including employment reported in the state of Bihar, during the last three years are given at Annexure-I .
- (b) to (f): The MSME sector consists of private enterprises and investments in this sector are made by  the  entrepreneurs  themselves.  Promotion  and  development  of  industries  is  a  State  subject.  The Central Government  supplements  the  efforts of State Governments  through  various schemes, programmes and policy initiatives for overall development and promotion of MSMEs in the country including  the  States  of  Bihar  such  as  Prime  Minister's  Employment  Generation  Programme,  Credit Guarantee Scheme for Micro and Small Enterprises, Micro and Small Enterprises-Cluster Development Programme(MSE-CDP), Raising and Accelerating  MSME Performance  (RAMP), PM  Vishwakarma and MSME Champions Scheme etc.

Details of the support extended through some of the schemes and initiatives during the last five years are as under:

- (i)  As  informed  by  Reserve  Bank  of  India  (RBI)  the  Credit  disbursement  to  MSME  Sector  by Scheduled Commercial Banks in state of Bihar during last five years is given below:
- (ii) Ministry of MSME, through Khadi and Village Industries Commission (KVIC), is implementing the Prime Minister's Employment Generation Programme (PMEGP). It is a central sector scheme aimed  at  generating  employment  opportunities  primarily  in  rural  areas  by  assisting  prospective entrepreneurs in setting up new micro enterprises in the non-farm sector. PMEGP assists General Category beneficiaries with Margin Money (MM) subsidy of 25% of the project cost in rural areas and  15%  in  urban  areas.  For  beneficiaries  belonging  to  Special  Categories  such  as  Scheduled Castes, Scheduled Tribes, OBCs, Minorities, Women,  Ex-servicemen, Physically Handicapped, Transgenders,  beneficiaries  belonging  to  Northeastern  Region,  Hill  and  Border  areas,  and Aspirational Districts, the Margin Money subsidy is 35% in rural areas and 25% in urban areas. Own contribution of beneficiaries belonging to Special Category is 5% of total project cost and 10%  for  General  Category  beneficiaries.  The  details  of  number  of  micro  enterprises  assisted, Margin Money Subsidy disbursed under PMEGP for the last 3 financial year i.e., FY 2022-23 to FY 2024-25 in the State of Bihar and Gopalganj district is as under:
- (iii) Ministry of MSME implements Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs) through Credit  Guarantee  Fund Trust for Micro and Small Enterprises (CGTMSE) and provides  credit  guarantee  to  the  loans  extended  by  the  member  lending  Institutions  to  MSEs without  collateral  security  and  third-party  guarantee.  The  ceiling  limit  for  guarantee  coverage under the CGS is uoto Rs. 10.0 crore. Details for credit guarantees extended to MSEs under CGS in the State of Bihar are as under:

| Financial Year                  | 2020-21   | 2021-22   | 2022-23   | 2023-24   | 2024-25   |
|---------------------------------|-----------|-----------|-----------|-----------|-----------|
| Amount Disbursement (in Crore ) | 20,277.00 | 13,729.71 | 24,481.52 | 33,966.04 | 47,101.21 |

|                             | FY 2022-23                  | FY 2022-23             | FY 2023-24                   | FY 2023-24             | FY 2024-25                  | FY 2024-25             |
|-----------------------------|-----------------------------|------------------------|------------------------------|------------------------|-----------------------------|------------------------|
|                             | Number of micro enterprises | Margin Money (Rs lakh) | Number of micro enterpris es | Margin Money (Rs lakh) | Number of micro enterprises | Margin Money (Rs lakh) |
| Total in the State of Bihar | 4,459                       | 12,123.20              | 6,837                        | 19,175.75              | 5,035                       | 15,045.14              |
| Gopalganj District          | 134                         | 495.75                 | 184                          | 610.93                 | 135                         | 449.11                 |

| Financial Year                 | 2020-21   | 2021-22   | 2022-23   | 2023-24   | 2024-25   |
|--------------------------------|-----------|-----------|-----------|-----------|-----------|
| No. of guarantees approved     | 22,317    | 24,217    | 42,360    | 1,13,262  | 2,21,458  |
| Amount approved (in Rs. crore) | 1,086     | 1,661     | 3,468     | 8,582     | 14,120    |

- (iv) Through Micro and Small Enterprises - Cluster Development Programme (MSE-CDP) Ministry of Micro,  Small  and  Medium  Enterprises  extending  financial  assistance  as Gol  grant  to  establish Common Facility Centers (CFCs) for the clusters and establish/up-grade infrastructural facilities in new/existing industrial estates/areas/flatted factory complexes. This is a Central Sector Scheme and to  address  the  common  needs  of  existing  cluster  in  their  States/UTs,  proposals  are submitted by the State/UT Governments.

Under  MSE-CDP the  Common Facility  Centers  for  Brass  &  Bronze  Metal  Utensils  Cluster,  at Pareb, Bihar has  been  completed. In addition,  upgradation of Industrial  Estate  at  Dharampur (Darbhanga), Saharsa, Murliganj (Madhepura) and Gogri (Khagaria) are ongoing.

*****

## Annexure referred to in reply to part (a) of the Lok Sabha Unstarred question no. 3224 for answer on 12.03.2026.

| District Wise Total MSMEs Registered and Employment Reported Under Udyam during last   | District Wise Total MSMEs Registered and Employment Reported Under Udyam during last   | District Wise Total MSMEs Registered and Employment Reported Under Udyam during last   | District Wise Total MSMEs Registered and Employment Reported Under Udyam during last   | District Wise Total MSMEs Registered and Employment Reported Under Udyam during last   | District Wise Total MSMEs Registered and Employment Reported Under Udyam during last   | District Wise Total MSMEs Registered and Employment Reported Under Udyam during last   |
|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|
| Sl. No.                                                                                | District                                                                               | Manufacturing                                                                          | Services                                                                               | Trading                                                                                | Total                                                                                  | Employment                                                                             |
| 1                                                                                      | Araria                                                                                 | 6,547                                                                                  | 4,391                                                                                  | 18,208                                                                                 | 29,146                                                                                 | 2,59,885                                                                               |
| 2                                                                                      | Arwal                                                                                  | 1,566                                                                                  | 1,083                                                                                  | 3,486                                                                                  | 6,135                                                                                  | 29,356                                                                                 |
| 3                                                                                      | Aurangabad                                                                             | 5,988                                                                                  | 5,354                                                                                  | 13,805                                                                                 | 25,147                                                                                 | 2,37,777                                                                               |
| 4                                                                                      | Banka                                                                                  | 5,066                                                                                  | 4,535                                                                                  | 9,785                                                                                  | 19,386                                                                                 | 88,628                                                                                 |
| 5                                                                                      | Begusarai                                                                              | 8,854                                                                                  | 7,789                                                                                  | 18,271                                                                                 | 34,914                                                                                 | 2,24,314                                                                               |
| 6                                                                                      | Bhagalpur                                                                              | 12,234                                                                                 | 8,731                                                                                  | 21,910                                                                                 | 42,875                                                                                 | 2,66,645                                                                               |
| 7                                                                                      | Bhojpur                                                                                | 4,993                                                                                  | 5,721                                                                                  | 11,963                                                                                 | 22,677                                                                                 | 1,22,875                                                                               |
| 8                                                                                      | Buxar                                                                                  | 3,914                                                                                  | 3,563                                                                                  | 8,255                                                                                  | 15,732                                                                                 | 78,077                                                                                 |
| 9                                                                                      | Darbhanga                                                                              | 8,495                                                                                  | 8,949                                                                                  | 20,189                                                                                 | 37,633                                                                                 | 2,12,257                                                                               |
| 10                                                                                     | Gaya                                                                                   | 14,075                                                                                 | 9,674                                                                                  | 23,059                                                                                 | 46,808                                                                                 | 3,27,500                                                                               |
| 11                                                                                     | Gopalganj                                                                              | 7,773                                                                                  | 4,181                                                                                  | 12,506                                                                                 | 24,460                                                                                 | 1,84,872                                                                               |
| 12                                                                                     | Jamui                                                                                  | 4,225                                                                                  | 3,172                                                                                  | 8,178                                                                                  | 15,575                                                                                 | 75,260                                                                                 |
| 13                                                                                     | Jehanabad                                                                              | 2,385                                                                                  | 2,066                                                                                  | 5,638                                                                                  | 10,089                                                                                 | 65,795                                                                                 |
| 14                                                                                     | Kaimur (Bhabua)                                                                        | 3,542                                                                                  | 2,594                                                                                  | 6,753                                                                                  | 12,889                                                                                 | 68,994                                                                                 |
| 15                                                                                     | Katihar                                                                                | 6,454                                                                                  | 7,413                                                                                  | 17,465                                                                                 | 31,332                                                                                 | 2,39,338                                                                               |
| 16                                                                                     | Khagaria                                                                               | 4,056                                                                                  | 2,936                                                                                  | 8,962                                                                                  | 15,954                                                                                 | 81,756                                                                                 |
| 17                                                                                     | Kishanganj                                                                             | 3,220                                                                                  | 3,931                                                                                  | 7,587                                                                                  | 14,738                                                                                 | 1,43,559                                                                               |
| 18                                                                                     | Lakhisarai                                                                             | 2,358                                                                                  | 1,723                                                                                  | 4,591                                                                                  | 8,672                                                                                  | 46,893                                                                                 |
| 19                                                                                     | Madhepura                                                                              | 4,133                                                                                  | 3,883                                                                                  | 11,540                                                                                 | 19,556                                                                                 | 2,27,410                                                                               |
| 20                                                                                     | Madhubani                                                                              | 9,153                                                                                  | 8,034                                                                                  | 20,386                                                                                 | 37,573                                                                                 | 2,59,324                                                                               |
| 21                                                                                     | Munger                                                                                 | 3,795                                                                                  | 3,054                                                                                  | 7,830                                                                                  | 14,679                                                                                 | 76,062                                                                                 |
| 22                                                                                     | Muzaffarpur                                                                            | 14,557                                                                                 | 15,039                                                                                 | 35,425                                                                                 | 65,021                                                                                 | 4,65,876                                                                               |
| 23                                                                                     | Nalanda                                                                                | 6,972                                                                                  | 7,144                                                                                  | 14,473                                                                                 | 28,589                                                                                 | 1,47,804                                                                               |
| 24                                                                                     | Nawada                                                                                 | 5,895                                                                                  | 4,245                                                                                  | 10,489                                                                                 | 20,629                                                                                 | 1,52,060                                                                               |
| 25                                                                                     | Pashchim Champaran                                                                     | 8,189                                                                                  | 7,481                                                                                  | 19,586                                                                                 | 35,256                                                                                 | 2,46,131                                                                               |
| 26                                                                                     | Patna                                                                                  | 25,058                                                                                 | 35,848                                                                                 | 65,078                                                                                 | 1,25,984                                                                               | 7,53,646                                                                               |
| 27                                                                                     | Purbi Champaran                                                                        | 12,369                                                                                 | 9,913                                                                                  | 34,860                                                                                 | 57,142                                                                                 | 3,55,472                                                                               |
| 28                                                                                     | Purnia                                                                                 | 8,909                                                                                  | 9,407                                                                                  | 24,550                                                                                 | 42,866                                                                                 | 3,78,622                                                                               |
| 29                                                                                     | Rohtas                                                                                 | 6,689                                                                                  | 6,784                                                                                  | 15,747                                                                                 | 29,220                                                                                 | 1,94,543                                                                               |
| 30                                                                                     | Saharsa                                                                                | 4,847                                                                                  | 3,998                                                                                  | 11,755                                                                                 | 20,600                                                                                 | 2,15,684                                                                               |
| 31                                                                                     | Samastipur                                                                             | 10,693                                                                                 | 10,119                                                                                 | 26,543                                                                                 | 47,355                                                                                 | 3,16,320                                                                               |
| 32                                                                                     | Saran                                                                                  | 8,266                                                                                  | 6,771                                                                                  | 18,302                                                                                 | 33,339                                                                                 | 2,13,884                                                                               |
| 33                                                                                     | Sheikhpura                                                                             | 1,683                                                                                  | 1,597                                                                                  | 3,587                                                                                  | 6,867                                                                                  | 33,741                                                                                 |
| 34                                                                                     | Sheohar                                                                                | 1,955                                                                                  | 1,468                                                                                  | 3,011                                                                                  | 6,434                                                                                  | 31,803                                                                                 |
| 35                                                                                     | Sitamarhi                                                                              | 7,945                                                                                  | 6,413                                                                                  | 16,513                                                                                 | 30,871                                                                                 | 1,93,755                                                                               |
| 36                                                                                     | Siwan                                                                                  | 8,188                                                                                  | 6,562                                                                                  | 14,930                                                                                 | 29,680                                                                                 | 1,79,769                                                                               |
| 37                                                                                     | Supaul                                                                                 | 5,277                                                                                  | 4,102                                                                                  | 16,149                                                                                 | 25,528                                                                                 | 1,67,737                                                                               |
| 38                                                                                     | Vaishali                                                                               | 10,261                                                                                 | 9,842                                                                                  | 22,702                                                                                 | 42,805                                                                                 | 3,38,048                                                                               |
|                                                                                        | Total:-                                                                                | 2,70,579                                                                               | 2,49,510                                                                               | 6,14,067                                                                               | 11,34,156                                                                              | 77,01,472                                                                              |