Lok Sabha Question No. 1906 (UNSTARRED), answered on 2025-12-11
Subject: Employment Opportunities under PMEGP
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Ananta Nayak, Ms. Bansuri Swaraj, Smt. D K Aruna, Shri Narayan Tatu Rane, Shri Mukesh Rajput, Shri Sunil Kumar, Shri Parimal Suklabaidya, Shri Amar Sharadrao Kale, Smt. Anita Subhadarshini, Smt. Poonamben Hematbhai Maadam

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION No. 1906

TO BE ANSWERED ON 11.12.2025

## EMPLOYMENT OPPORTUNITIES UNDER PMEGP

1906.   SMT. ANITA SUBHADARSHINI:

SHRI AMAR SHARADRAO KALE:

SHRI NARAYAN TATU RANE:

SMT. POONAMBEN HEMATBHAI MAADAM:

SHRI SUNIL KUMAR:

SHRI PARIMAL SUKLABAIDYA:

SHRI ANANTA NAYAK:

MS. BANSURI SWARAJ:

SHRI MUKESH RAJPUT:

SMT. D K ARUNA:

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

- (a) the  total  number  of  employment  opportunities  created  and  enterprises  supported  under  the Prime  Minister's  Employment  Generation  Programme  (PMEGP)  during  the  last  four  years  and  the current year, year and State-wise;
- (b) the special provisions available for rural area and Scheduled Caste beneficiaries under the said scheme;
- (c) the  measures  adopted  to  expand  access  to  collateral-free  credit  under  the  Pradhan  Mantri Mudra  Yojana  (PMMY)  including  the  introduction  of  new  loan  categories  and  the  details  of achievements thereunder, State/UT-wise particularly for entrepreneur in Assam;
- (d) the extent of coordination with State and District-level agencies to ensure effective implementation and monitoring of these programmes; and
- (e) the  total  number  of  people  benefited  under  the  said  scheme  in  Uttar  Pradesh  and  West Champaran district of Bihar along with the pending subsidy during the last three years under PMEGP?

## ANSWER

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

- (a): Details  of  State-wise  number  of  micro  enterprises  assisted  and    estimated  employment generated under PMEGP for the last 4 years i.e. FY 2021-22 to FY 2024-25 and the current year i.e. FY 2025-26 (up to 09.12.2025) is given at Annexure-I.
- (b): Under the Scheme, beneficiaries belonging to Special Categories including Scheduled Castes are eligible for higher MM subsidy of 35% of project cost in rural areas and 25% of project cost in urban  areas  as  compared  to  25%  and  15%  respectively  for  General  Category  beneficiaries.  Own contribution of beneficiaries under Special category is  5% as compared to 10% for General Category beneficiaries.

- (c): Under Pradhan Mantri Mudra Yojana (PMMY), collateral free institutional credit is provided by  Member Lending Institutions (MLIs) i.e. Scheduled Commercial Banks (SCBs), Regional Rural Banks (RRBs), Non-Banking Financial Companies (NBFCs) and Micro Finance Institutions (MFIs). Any individual, who is otherwise eligible to take a loan and has a business plan for small business enterprise  can  avail  loan  upto  Rs.20  lakh  under  the  Scheme  for  income  generating  activities  in  the manufacturing,  trading  and  service  sectors  and  activities  allied  to  agriculture,  across  four  loan categories,  viz.  Shishu  (loans  upto  Rs.  50,000/-),  Kishor  (loans  above  Rs.  50,000/-  and  upto  Rs.  5 lakh), Tarun (loans above Rs. 5 lakh and upto Rs. 10 lakh) and Tarun Plus (loans above Rs. 10 lakh and upto Rs. 20 lakh- for those entrepreneurs who have availed and successfully repaid previous loans under the 'Tarun' category w.e.f. 24.10.2024).

As on October 2025, a total of 55.38 crore loan accounts amounting to Rs. 36.18 lakh crore have been extended under PMMY, out of which, 1.23 crore loan accounts amounting to Rs. 0.71 lakh crore have been extended in the State of Assam, since inception on 08.04.2015. State/UT wise details on the same are given at Annexure II .

- (d): Steps  taken  by  the  Ministry  to  maintain  coordination  with  State  and  District-level  agencies ensuring effective implementation and monitoring of PMEGP include the following:
- i. Review meetings with Implementing Agencies (IAs) i.e. State offices of KVIC, KVIBs, DICs &  Coir  Board  and  financial  institutions  are  periodically  held  to  review  the  progress  of implementation of the Scheme.
- ii. State  Level  Monitoring  Committee  (SLMC)  and  District  Level  Monitoring  Committee (DLMC) meetings are held at State  and  District  level  to  monitor  the  implementation  of  the scheme.
- iii. Top-level  Bankers  meeting,  State  Level  Bankers  Meetings  and  District  Level  Bankers meetings  are  held  on  a  regular  basis  to  ensure  proper  loan  sanctioning  and  margin  money disbursement.
- iv. A PMEGP Portal is in place for monitoring of the complete process of PMEGP application till adjustment of Margin Money subsidy into beneficiary's loan account.
- (e): Number of micro enterprises  assisted  under  PMEGP  in  Uttar  Pradesh  and West  Champaran district of Bihar during the last 3 years i.e FY 2022-23 to FY 2024-25 is given below:

| Financial Year   | No. of micro enterprises Assisted under in Uttar Pradesh   |   No. of micro enterprises Assisted in West Champaran district of Bihar |
|------------------|------------------------------------------------------------|-------------------------------------------------------------------------|
| 2022-23          | 11,601                                                     |                                                                     112 |
| 2023-24          | 11,689                                                     |                                                                     207 |
| 2024-25          | 5,518                                                      |                                                                     142 |

*****

## ANNEXURE-I

## ANNEXURE-I  REFERRED  TO  IN  REPLY  TO  PART  (a)  OF  THE  LOK  SABHA  UNSTARRED QUESTION NO. 1906 FOR ANSWER ON 11.12.2025

State-wise number of micro enterprises assisted and  estimated employment generated under PMEGP for the last 4 years, i.e., FY 2021-22 to FY 2024-25 and the current year  i.e. FY 2025-26 (up to 09.12.2025):

| S. No.   | State             | 2021-22                  | 2021-22              | 2022-23                  | 2022-23              | 2023-24                  | 2023-24              | 2024-25                  | 2024-25              | 2025-26( upto 09.12.2025)   | 2025-26( upto 09.12.2025)   |
|----------|-------------------|--------------------------|----------------------|--------------------------|----------------------|--------------------------|----------------------|--------------------------|----------------------|-----------------------------|-----------------------------|
| S. No.   | State             | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises    | Est. Empl. Generated        |
| 1        | Andhra Pradesh    | 2,477                    | 19,816               | 3,073                    | 24,584               | 5,577                    | 44,616               | 3,249                    | 25,992               | 5,704                       | 45,632                      |
| 2        | Arunachal Pradesh | 196                      | 1,568                | 158                      | 1,264                | 169                      | 1,352                | 156                      | 1,248                | 53                          | 424                         |
| 3        | Assam             | 3,855                    | 30,840               | 2,596                    | 20,768               | 2,417                    | 19,336               | 3,170                    | 25,360               | 1,166                       | 9,328                       |
| 4        | Bihar             | 2,477                    | 19,816               | 4,459                    | 35,672               | 6,837                    | 54,696               | 5,035                    | 40,280               | 4,267                       | 34,136                      |
| 5        | Chattishgarh      | 3,020                    | 24,160               | 2,543                    | 20,344               | 2,379                    | 19,032               | 1,853                    | 14,824               | 850                         | 6,800                       |
| 6        | Goa               | 87                       | 696                  | 66                       | 528                  | 68                       | 544                  | 39                       | 312                  | 23                          | 184                         |
| 7        | Gujarat*          | 4,143                    | 33,144               | 3,071                    | 24,568               | 3,000                    | 24,000               | 1,783                    | 14,264               | 1,700                       | 13,600                      |
| 8        | Haryana           | 1,726                    | 13,808               | 1,559                    | 12,472               | 1,398                    | 11,184               | 788                      | 6,304                | 910                         | 7,280                       |
| 9        | Himachal Pradesh  | 1,274                    | 10,192               | 930                      | 7,440                | 974                      | 7,792                | 796                      | 6,368                | 560                         | 4,480                       |
| 10       | Jammu &Kashmir    | 21,648                   | 1,73,184             | 12,023                   | 96,184               | 15,065                   | 1,20,520             | 9,863                    | 78,904               | 6,060                       | 48,480                      |
| 11       | Jharkhand         | 1,714                    | 13,712               | 1,851                    | 14,808               | 2,101                    | 16,808               | 1,452                    | 11,616               | 712                         | 5,696                       |
| 12       | Karnataka         | 5,877                    | 47,016               | 5,618                    | 44,944               | 4,672                    | 37,376               | 2,839                    | 22,712               | 2,995                       | 23,960                      |
| 13       | Kerala            | 2,789                    | 22,312               | 3,129                    | 25,032               | 3,389                    | 27,112               | 2,260                    | 18,080               | 1,928                       | 15,424                      |
| 14       | Madhya Pradesh    | 8,082                    | 64,656               | 5,957                    | 47,656               | 5,292                    | 42,336               | 2,626                    | 21,008               | 1,624                       | 12,992                      |
| 15       | Maharashtra*      | 4,128                    | 33,024               | 3,625                    | 29,000               | 2,766                    | 22,128               | 1,857                    | 14,856               | 2,226                       | 17,808                      |
| 16       | Manipur           | 1,139                    | 9,112                | 545                      | 4,360                | 348                      | 2,784                | 608                      | 4,864                | 235                         | 1,880                       |
| 17       | Meghalaya         | 699                      | 5,592                | 306                      | 2,448                | 280                      | 2,240                | 1,114                    | 8,912                | 249                         | 1,992                       |
| 18       | Mizoram           | 650                      | 5,200                | 412                      | 3,296                | 401                      | 3,208                | 484                      | 3,872                | 137                         | 1,096                       |
| 19       | Nagaland          | 1,241                    | 9,928                | 469                      | 3,752                | 517                      | 4,136                | 1,262                    | 10,096               | 347                         | 2,776                       |

| S. No.   | State         | 2021-22                  | 2021-22              | 2022-23                  | 2022-23              | 2023-24                  | 2023-24              | 2024-25                  | 2024-25              | 2025-26( upto 09.12.2025)   | 2025-26( upto 09.12.2025)   |
|----------|---------------|--------------------------|----------------------|--------------------------|----------------------|--------------------------|----------------------|--------------------------|----------------------|-----------------------------|-----------------------------|
| S. No.   | State         | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises | Est. Empl. Generated | No. of micro enterprises    | Est. Empl. Generated        |
| 20       | Odisha        | 4,301                    | 34,408               | 3,880                    | 31,040               | 2,975                    | 23,800               | 1,867                    | 14,936               | 2,612                       | 20,896                      |
| 21       | Punjab        | 1,790                    | 14,320               | 1,564                    | 12,512               | 1,469                    | 11,752               | 970                      | 7,760                | 1,106                       | 8,848                       |
| 22       | Rajasthan     | 2,599                    | 20,792               | 2,037                    | 16,296               | 1,678                    | 13,424               | 916                      | 7,328                | 1,494                       | 11,952                      |
| 23       | Sikkim        | 85                       | 680                  | 57                       | 456                  | 132                      | 1,056                | 316                      | 2,528                | 135                         | 1,080                       |
| 24       | Tamil Nadu    | 5,972                    | 47,776               | 6,140                    | 49,120               | 6,814                    | 54,512               | 3,949                    | 31,592               | 5,406                       | 43,248                      |
| 25       | Telangana     | 2,906                    | 23,248               | 2,540                    | 20,320               | 2,503                    | 20,024               | 1,850                    | 14,800               | 1,909                       | 15,272                      |
| 26       | Tripura       | 958                      | 7,664                | 703                      | 5,624                | 588                      | 4,704                | 730                      | 5,840                | 284                         | 2,272                       |
| 27       | Uttar Pradesh | 12,594                   | 1,00,752             | 11,601                   | 92,808               | 11,689                   | 93,512               | 5,518                    | 44,144               | 6,730                       | 53,840                      |
| 28       | Uttarakhand   | 1,836                    | 14,688               | 1,803                    | 14,424               | 1,354                    | 10,832               | 734                      | 5,872                | 500                         | 4,000                       |
| 29       | West Bengal   | 2,305                    | 18,440               | 2,126                    | 17,008               | 1,919                    | 15,352               | 1,359                    | 10,872               | 734                         | 5,872                       |
| Total    | Total         | 1,02,568                 | 8,20,544             | 84,841                   | 6,78,728             | 88,771                   | 7,10,168             | 59,443                   | 4,75,544             | 52,656                      | 4,21,248                    |

* including Daman and Diu

** including Dadra and Nagar Haveli

## ANNEXURE-II REFERRED TO IN REPLY TO PART (c) OF THE LOK SABHA UNSTARRED QUESTION NO. 1906 FOR ANSWER ON 11.12.2025

State/UT wise no. of loan accounts and disbursed amounts under Pradhan Mantri Mudra Yojana as on October 2025 is given below:

| S. No.                         | State/ U.T. Name                      | No. of Loan A/Cs               | Disbursed Amount (Rs. Cr)      |
|--------------------------------|---------------------------------------|--------------------------------|--------------------------------|
| 1                              | Andaman and Nicobar Islands           | 55,898                         | 1,226.84                       |
| 2                              | Andhra Pradesh                        | 11,033,261                     | 131,247.49                     |
| 3                              | Arunachal Pradesh                     | 164,712                        | 2,052.93                       |
| 4                              | Assam                                 | 12,330,451                     | 71,459.56                      |
| 5                              | Bihar                                 | 63,847,937                     | 317,697.23                     |
| 6                              | Chandigarh                            | 204,011                        | 3,424.69                       |
| 7                              | Chhattisgarh                          | 10,523,472                     | 65,110.99                      |
| 8                              | Dadra and Nagar Haveli &Daman and Diu | 45,746                         | 862.79                         |
| 9                              | Delhi                                 | 3,652,818                      | 44,500.24                      |
| 10                             | Goa                                   | 398,927                        | 5,623.39                       |
| 11                             | Gujarat                               | 16,640,161                     | 142,136.92                     |
| 12                             | Haryana                               | 10,063,212                     | 78,625.05                      |
| 13                             | Himachal Pradesh                      | 1,191,345                      | 23,634.43                      |
| 14                             | Jharkhand                             | 16,255,618                     | 86,067.87                      |
| 15                             | Karnataka                             | 51,870,671                     | 330,793.31                     |
| 16                             | Kerala                                | 18,068,849                     | 129,591.70                     |
| 17                             | Lakshadweep                           | 13,628                         | 208.56                         |
| 18                             | Madhya Pradesh                        | 33,225,036                     | 195,931.27                     |
| 19                             | Maharashtra                           | 44,147,441                     | 309,983.76                     |
| 20                             | Manipur                               | 468,959                        | 3,217.75                       |
| 21                             | Meghalaya                             | 316,102                        | 3,205.44                       |
| 22                             | Mizoram                               | 178,419                        | 3,069.73                       |
| 23                             | Nagaland                              | 179,726                        | 2,598.53                       |
| 24                             | Odisha                                | 35,086,552                     | 164,500.63                     |
| 25                             | Pondicherry                           | 1,275,874                      | 8,280.73                       |
| 26                             | Punjab                                | 10,240,432                     | 83,361.76                      |
| 27                             | Rajasthan                             | 23,768,209                     | 190,333.37                     |
| 28                             | Sikkim                                | 181,080                        | 1,884.13                       |
| 29                             | Tamil Nadu                            | 60,865,783                     | 356,712.63                     |
| 30                             | Telangana                             | 8,391,389                      | 83,130.52                      |
| 31                             | Tripura                               | 3,400,009                      | 19,602.85                      |
| 32                             | Jammu and Kashmir                     | 2,379,745                      | 51,245.86                      |
| 33                             | Ladakh                                | 69,791                         | 2,090.56                       |
| 34                             | Uttar Pradesh                         | 55,299,821                     | 356,190.56                     |
| 35                             | Uttarakhand                           | 3,507,300                      | 33,627.29                      |
| 36                             | West Bengal                           | 54,552,866                     | 315,111.39                     |
| Total 553,895,251 3,618,342.75 | Total 553,895,251 3,618,342.75        | Total 553,895,251 3,618,342.75 | Total 553,895,251 3,618,342.75 |