Lok Sabha Question No. 111 (UNSTARRED), answered on 2026-01-29
Subject: Achievements under PMEGP
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Kali Charan Singh, Shri Anurag Singh Thakur, Shri Vijay Baghel

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

## LOK SABHA UNSTARRED QUESTION No. 111 TO BE ANSWERED ON 29.01.2026

## ACHIEVEMENTS UNDER PMEGP

## 111. SHRI KALI CHARAN SINGH: SHRI VIJAY BAGHEL: SHRI ANURAG SINGH THAKUR:

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

- (a) the details of enterprises assisted and employment generated under Prime Minister's Employment  Generation  Programme  (PMEGP)  during  the  last  three  years  in  the  country,  State  and district-wise in Himachal Pradesh and particularly in the Chatra Lok Sabha Constituency of Jharkhand;
- (b) the details of special provisions made under this scheme for rural and Scheduled Castes/Scheduled  Tribes  beneficiaries  and  the  manner  in  which  such  special  provisions  have  been implemented in the Chatra region;
- (c) the steps taken under the Pradhan Mantri Mudra Yojana (PMMY) to increase the availability of collateral free loans, introduce new loan categories and expand beneficiary coverage; and
- (d) the  mechanism  adopted  in  coordination  with  State/District  agencies,  particularly  in  Chatra district, to ensure transparency, monitoring and time bound implementation of the schemes?

## ANSWER

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

- (a): The  number  of  micro  enterprises  assisted  and  estimated  employment  generated  State-wise, district-wise in the State of Himachal Pradesh and in the Chatra Lok Sabha Constituency of Jharkhand under  Prime  Minister's  Employment  Generation  Programme  (PMEGP)  during  the  last  three  years  is given at Annexure I .
- (b): Under PMEGP, beneficiaries belonging to rural areas and beneficiaries under Special category which  includes  Scheduled  Castes  (SCs)  and  Scheduled  Tribes  (STs)  are  eligible  for  higher  rates  of margin money (MM) subsidy and lower own contribution of the project cost as compared to General category beneficiaries. Beneficiaries belonging to Special Category are eligible for MM Subsidy ranging from  25-35%  of  the  project  cost  in  urban  and  rural  areas  respectively  as  compared  to  15-25%  for General category. Own contribution of beneficiaries under Special Category is 5% of the project cost as compared to 10% of project cost for General Category beneficiaries.

The number of micro enterprises  assisted  under  PMEGP in  the rural  areas  and  SC/ST  owned enterprises in the Chatra Lok Sabha Constituency in the state of Jharkhand during the last three years is given below:

|                | Rural areas                       | Rural areas           | SC                                | SC                    | ST                                | ST                    |
|----------------|-----------------------------------|-----------------------|-----------------------------------|-----------------------|-----------------------------------|-----------------------|
| Financial Year | No. of micro enterprises Assisted | MM Subsidy (Rs. Lakh) | No. of micro enterprises Assisted | MM Subsidy (Rs. Lakh) | No. of micro enterprises Assisted | MM Subsidy (Rs. Lakh) |
| 2022-23        | 34                                | 90.06                 | 4                                 | 7.23                  | 4                                 | 4.94                  |
| 2023-24        | 20                                | 56.3                  | 5                                 | 3.95                  | 1                                 | 1.4                   |
| 2024-25        | 24                                | 70.96                 | 0                                 | 0.00                  | 5                                 | 8.94                  |
| Total          | 78                                | 217.32                | 9                                 | 11.18                 | 10                                | 15.28                 |

(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). Since its inception in FY 2015, till 16.01.2026, a total of 56.46 crore loan accounts amounting to Rs. 38.38 lakh crore have been extended under PMMY.

As a new category, Tarun Plus has been introduced as per Union Budget Announcement 2024-25 wherein the limit of Mudra loans has been enhanced to Rs.20 lakh from the current limit of Rs.10 lakh w.e.f. 24.10.2024 for those entrepreneurs who have availed and successfully repaid previous loans under the 'Tarun' category. Furthermore, the Government  has  taken various steps towards effective implementation of the Scheme which include publicity campaigns, simplification of application form, Credit Guarantee Scheme, nomination of Mudra Nodal Officer and frequent reviews at various levels to monitor the achievement against allocated target etc.

(d): Mechanisms adopted by the Ministry in coordination with State and District agencies throughout the country including the Chatra district to ensure transparency, monitoring and time bound implementation of the schemes include the following:

- i. Periodical review meetings by the Ministry with Implementing Agencies i.e. Khadi and Village Industries  Commission  (KVIC),  State  offices  of  KVIC,  State  Khadi  and  Village  Industries Boards (KVIBs), State District Industries Centers (DICs) and financial institutions.
- ii. State Level Monitoring Committee (SLMC) and District Level Monitoring Committee (DLMC) meetings  are  held  at  State  and  District  level  on  a  regular  basis  to  monitor  and  review  the implementation of PMEGP.
- iii. A  portal  for  tracking  the  process  from  application  till  adjustment  of  MM  subsidy  into  the beneficiary's loan account.
- iv. To facilitate timely adjustment of MM subsidy into the beneficiary's loan account, a mechanism for  physical  verification  of  micro-enterprises  set  up  under  PMEGP  with  geo-tagging  of  the establishment and its working status is in place.
- v. As per RBI guidelines on Lead Bank Scheme, Bankers' Committee meetings at Block, District, and  State  levels  are  held  on  a  regular  basis  to  ensure  effective  coordination,  monitoring  and implementation of the scheme.

*****

## ANNEXURE-I REFERRED TO IN REPLY TO PART (a) OF THE LOK SABHA UNSTARRED QUESTION NO. 111 FOR ANSWER ON 29.01.2026.

State- wise number of micro enterprises assisted and estimated number of employment generated under Prime Minister's Employment Generation Programme (PMEGP) during the last three years:

| Sr. No.   |                   | FY 2022-23                        | FY 2022-23                     | FY 2023-24                        | FY 2023-24                     | FY 2024-25                        | FY 2024-25                     |
|-----------|-------------------|-----------------------------------|--------------------------------|-----------------------------------|--------------------------------|-----------------------------------|--------------------------------|
| Sr. No.   | State/UT          | No. of micro enterprises assisted | Estimated employment generated | No. of micro enterprises assisted | Estimated employment generated | No. of micro enterprises assisted | Estimated employment generated |
| 1         | Andaman Nicobar   | 121                               | 968                            | 135                               | 1080                           | 61                                | 488                            |
| 2         | Andhra Pradesh    | 3073                              | 24584                          | 5577                              | 44616                          | 3249                              | 25992                          |
| 3         | Arunachal Pradesh | 158                               | 1264                           | 169                               | 1352                           | 156                               | 1248                           |
| 4         | Assam             | 2596                              | 20768                          | 2417                              | 19336                          | 3170                              | 25360                          |
| 5         | Bihar             | 4459                              | 35672                          | 6837                              | 54696                          | 5035                              | 40280                          |
| 6         | Chandigarh        | 15                                | 120                            | 10                                | 80                             | 5                                 | 40                             |
| 7         | Chhattisgarh      | 2543                              | 20344                          | 2379                              | 19032                          | 1853                              | 14824                          |
| 8         | Delhi             | 72                                | 576                            | 50                                | 400                            | 26                                | 208                            |
| 9         | Goa               | 66                                | 528                            | 68                                | 544                            | 39                                | 312                            |
| 10        | Gujarat*          | 3071                              | 24568                          | 3000                              | 24000                          | 1783                              | 14264                          |
| 11        | Haryana           | 1559                              | 12472                          | 1398                              | 11184                          | 788                               | 6304                           |
| 12        | Himachal Pradesh  | 930                               | 7440                           | 974                               | 7792                           | 796                               | 6368                           |
| 13        | Jammu Kashmir     | 12023                             | 96184                          | 15065                             | 120520                         | 9863                              | 78904                          |
| 14        | Jharkhand         | 1851                              | 14808                          | 2101                              | 16808                          | 1452                              | 11616                          |
| 15        | Karnataka         | 5618                              | 44944                          | 4672                              | 37376                          | 2839                              | 22712                          |
| 16        | Kerala            | 3129                              | 25032                          | 3389                              | 27112                          | 2260                              | 18080                          |
| 17        | Ladakh            | 91                                | 728                            | 122                               | 976                            | 135                               | 1080                           |
| 18        | Lakshadweep       | 2                                 | 16                             | 0                                 | 0                              | 0                                 | 0                              |
| 19        | Madhya Pradesh    | 5957                              | 47656                          | 5292                              | 42336                          | 2626                              | 21008                          |
| 20        | Maharashtra**     | 3625                              | 29000                          | 2766                              | 22128                          | 1857                              | 14856                          |
| 21        | Manipur           | 545                               | 4360                           | 348                               | 2784                           | 608                               | 4864                           |
| 22        | Meghalaya         | 306                               | 2448                           | 280                               | 2240                           | 1114                              | 8912                           |
| 23        | Mizoram           | 412                               | 3296                           | 401                               | 3208                           | 484                               | 3872                           |
| 24        | Nagaland          | 469                               | 3752                           | 517                               | 4136                           | 1262                              | 10096                          |
| 25        | Odisha            | 3880                              | 31040                          | 2975                              | 23800                          | 1867                              | 14936                          |
| 26        | Puducherry        | 25                                | 200                            | 30                                | 240                            | 38                                | 304                            |
| 27        | Punjab            | 1564                              | 12512                          | 1469                              | 11752                          | 970                               | 7760                           |
| 28        | Rajasthan         | 2037                              | 16296                          | 1678                              | 13424                          | 916                               | 7328                           |
| 29        | Sikkim            | 57                                | 456                            | 132                               | 1056                           | 316                               | 2528                           |
| 30        | Tamil Nadu        | 6140                              | 49120                          | 6814                              | 54512                          | 3949                              | 31592                          |
| 31        | Telangana         | 2540                              | 20320                          | 2503                              | 20024                          | 1850                              | 14800                          |
| 32        | Tripura           | 703                               | 5624                           | 588                               | 4704                           | 730                               | 5840                           |
| 33        | Uttar Pradesh     | 11601                             | 92808                          | 11689                             | 93512                          | 5518                              | 44144                          |
| 34        | Uttarakhand       | 1803                              | 14424                          | 1354                              | 10832                          | 734                               | 5872                           |
| 35        | West Bengal       | 2126                              | 17008                          | 1919                              | 15352                          | 1359                              | 10872                          |
|           | Total             | 85167                             | 681336                         | 89118                             | 712944                         | 59708                             | 477664                         |

District-wise number of micro enterprises assisted and estimated number of employment generated in Himachal Pradesh under PMEGP during the last three years:

| Sr. No.   |                 | FY 2022-23                        | FY 2022-23                     | FY 2023-24                        | FY 2023-24                     | FY 2024-25                        | FY 2024-25                     |
|-----------|-----------------|-----------------------------------|--------------------------------|-----------------------------------|--------------------------------|-----------------------------------|--------------------------------|
| Sr. No.   | District        | No. of micro enterprises assisted | Estimated Employment Generated | No. of micro enterprises assisted | Estimated Employment Generated | No. of micro enterprises assisted | Estimated Employment Generated |
| 1         | Bilaspur        | 39                                | 312                            | 32                                | 256                            | 32                                | 256                            |
| 2         | Chamba          | 165                               | 1320                           | 152                               | 1216                           | 143                               | 1144                           |
| 3         | Hamirpur        | 48                                | 384                            | 59                                | 472                            | 53                                | 424                            |
| 4         | Kangra          | 185                               | 1480                           | 185                               | 1480                           | 114                               | 912                            |
| 5         | Kinnaur         | 55                                | 440                            | 45                                | 360                            | 63                                | 504                            |
| 6         | Kullu           | 81                                | 648                            | 72                                | 576                            | 75                                | 600                            |
| 7         | Lahul And Spiti | 13                                | 104                            | 4                                 | 32                             | 7                                 | 56                             |
| 8         | Mandi           | 98                                | 784                            | 149                               | 1192                           | 109                               | 872                            |
| 9         | Shimla          | 55                                | 440                            | 101                               | 808                            | 74                                | 592                            |
| 10        | Sirmour         | 30                                | 240                            | 59                                | 472                            | 28                                | 224                            |
| 11        | Solan           | 123                               | 984                            | 96                                | 768                            | 69                                | 552                            |
| 12        | Una             | 38                                | 304                            | 20                                | 160                            | 29                                | 232                            |
| Total     | Total           | 930                               | 7440                           | 974                               | 7792                           | 796                               | 6368                           |

Number of micro enterprises assisted and estimated number of employment generated under PMEGP in Chatra Lok Sabha Constituency of Jharkhand during the last three years:

| Financial Year   |   No. of micro enterprises assisted |   Estimated Employment Generated |
|------------------|-------------------------------------|----------------------------------|
| 2022-23          |                                  48 |                              384 |
| 2023-24          |                                  36 |                              288 |
| 2024-25          |                                  27 |                              216 |
| Total            |                                 120 |                              960 |