Lok Sabha Question No. 836 (UNSTARRED), answered on 2025-12-04
Subject: Enhancing MSME Competitiveness, Credit Access and Regional Spread
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Pradyut Bordoloi

## LOK SABHA UNSTARRED QUESTION NO. 836 TO BE ANSWERED ON 04.12.2025

## ENHANCING MSME COMPETITIVENESS, CREDIT ACCESS AND REGIONAL SPREAD

## 836. SHRI PRADYUT BORDOLOI:

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

(a) whether the Government has reviewed the MSME sector in terms of new registrations, credit linkage, job creation and regional spread, if so, the details thereof for the last five years and if not, the reasons therefor;

(b) whether  special  schemes  are  being  implemented  to  strengthen  MSMEs  in  manufacturing, services, export-oriented units and food processing, if so, the details thereof and if not, the reasons therefor;

- (c) whether the Government has initiated measures to ensure easier access to credit, technology, and markets for MSMEs, including for SC/ST/Women entrepreneurs, if so, the details thereof and if not, the reasons therefor;

(d) the  details  regarding  the  comprehensive  performance  and  gap-analysis  report  of  the  Indian MSME sector, including policy recommendations that are to be implemented; and

(e) whether the MSME sector in Assam is lacking behind compared to other states, the details thereof  including  the  scope  for  improvement,  reasons  for  lacking  and  measures  taken  by  the Government to improve Assam's MSMEs?

## ANSWER

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

(a) to (e): (I)  A  revised  definition  based  on  the  twin  criteria  of  investment  and  turnover,  was adopted  to  define  Micro,  Small  and  Medium  Enterprises  (MSME)  in  2020.  Accordingly,  for registration of enterprise having PAN Udyam Registration Portal (URP) was launched on 01.07.2020. To formalise Informal Micro Enterprises (IMEs) i.e. Enterprises, which are exempt from filing GST, Udyam  Assist  Platform  (UAP),  was  launched  on  11.01.2023.  Since  inception  till  30.11.2025  the States/UTs-Wise  details  of  the  MSMEs  registered  and  Employment  reported  by  them  on  Udyam Portal are given at Annexure-I.

(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 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 under Special Category is 05% and 10% for General Category beneficiaries. The maximum cost of project is Rs. 50 lakhs in the manufacturing sector and Rs. 20 lakhs in the service sector. Own contribution of beneficiaries under Special Category is 05% and 10% for General Category beneficiaries.

Number of micro enterprises assisted, and estimated employment generated under PMEGP for last 5 years, i.e., FY 2020-21 to FY 2024-25:

| Financial Year   | No. of micro enterprises Assisted   | Estimated Employment Generated   |
|------------------|-------------------------------------|----------------------------------|
| 2020-21          | 74,415                              | 5,95,320                         |
| 2021-22          | 1,03,219                            | 8,25,752                         |
| 2022-23          | 85,167                              | 6,81,336                         |
| 2023-24          | 89,118                              | 7,12,944                         |
| 2024-25          | 59,708                              | 4,77,664                         |

- (III) The major policy challenges for the MSMEs are formalization, access to credit, technological support, infrastructure development, access to market and ease of doing business. To strengthen and support  the  MSMEs  in  manufacturing  and  Service  including  export-oriented  and  food  processing enterprises, various schemes for access to credit, technology and markets for MSMEs, including for SC/ST/Women  entrepreneurs  are  being  implementing  across  the  country,  including  the  State  of Assam, some of the schemes are as under:
- (i)  Export  Promotion Mission (EPM): In  order  to  support  MSME in  the matters related  to  trade finance,  export  certifications,  export  logistics  and  access  to  oversee  markets  in  an  integrated  and structured  manner  the  Government  has  approved  the  Export  Promotion  Mission  (EPM)  as  a comprehensive framework to strengthen the overall export ecosystem under EPM, support shall be provided  through  NIRYAT PROTSAHAN, which focuses on trade finance facilitation for MSME exporters, and NIRYAT DISHA, which shall provide non-financial support including export-quality and compliance assistance, market-access interventions, logistics facilitation, and export ecosystembuilding measures.
- (ii) Export Facilitation Centres (EFCs): The Ministry of Micro, Small and Medium Enterprises has established 65 Export Facilitation Centres (EFCs) across the country to provide MSMEs mentoring, handholding support and guidance for undertaking export of their products and services.
- (iii)  Credit  Guarantee  Scheme  for  Exporters  (CGSE): This  scheme  supports  exporters  through Credit Guarantee support for additional collateral free 20% working capital limits.
- (iv)  Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs), collateral free loan up to a limit of Rs. 10 crore  (w.e.f. 01.04.2025) to MSEs with guarantee coverage up to 90 % for various categories of loan is provided. Under CGS, 10% concession in guarantee fee is provided to the special categories of MSEs owned by SC/ST and women.
- (v) Promotion of MSMEs in NER & Sikkim :  This scheme provides financial support to create or upgrade infrastructure and common facilities for MSMEs in the NER including Assam to supplement manufacturing, testing, packaging, R&D, product & process innovations and skilling activities. This scheme  extends  support  for  setting  up  of  new  and  modernization  of  existing  Mini  Technology Centers, development of new and existing Industrial Estates, development of Tourism Sector.
- (vi)  Public  Procurement Policy: To  increase  women's  participation,  the  Ministry  of  MSME  vide notification no. S.O. 5670(E) dated 09.11.2018, had made it mandatory for all Central Government Ministries / Departments / CPSUs to procure at least 25.0 % of their annual procurement from MSEs, including 3.0% from MSEs owned by women entrepreneurs and 4.0 % from MSEs owned by SC/ST .
- (vii) Procurement and Marketing Support (PMS) scheme of Ministry of MSME extends benefits for creating market access initiatives to MSEs for Participation of Individual MSEs in Trade Fairs / Exhibitions,  organizing  Domestic/  International  Trade  Fairs/Exhibition  and  participation  in  trade fairs/exhibitions, Vendor Development Program, adoption of Modern  Packaging Technique, Adoption of Bar Code and Adoption of e-Commerce platform etc.

Annexure referred to in reply to part (a) to (e) of Lok Sabha Unstarred Question no. 836 for answer on 04.12.2025.

| Since inception till 30.11.2025 the States/UTs-Wise details of the MSMEs registered and   | Since inception till 30.11.2025 the States/UTs-Wise details of the MSMEs registered and   | Since inception till 30.11.2025 the States/UTs-Wise details of the MSMEs registered and   | Since inception till 30.11.2025 the States/UTs-Wise details of the MSMEs registered and   | Since inception till 30.11.2025 the States/UTs-Wise details of the MSMEs registered and   | Since inception till 30.11.2025 the States/UTs-Wise details of the MSMEs registered and   | Since inception till 30.11.2025 the States/UTs-Wise details of the MSMEs registered and   |
|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|
| Sl. No.                                                                                   | States/UTs                                                                                | Micro                                                                                     | Small                                                                                     | Mediu m                                                                                   | Total                                                                                     | Employment                                                                                |
| 1                                                                                         | Andaman and Nicobar Islands                                                               | 20,694                                                                                    | 155                                                                                       | 3                                                                                         | 20,852                                                                                    | 3,33,403                                                                                  |
| 2                                                                                         | Andhra Pradesh                                                                            | 36,30,939                                                                                 | 16,816                                                                                    | 958                                                                                       | 36,48,713                                                                                 | 1,89,66,180                                                                               |
| 3                                                                                         | Arunachal Pradesh                                                                         | 44,080                                                                                    | 369                                                                                       | 18                                                                                        | 44,467                                                                                    | 2,44,558                                                                                  |
| 4                                                                                         | Assam                                                                                     | 13,47,267                                                                                 | 6,637                                                                                     | 513                                                                                       | 13,54,417                                                                                 | 89,24,619                                                                                 |
| 5                                                                                         | Bihar                                                                                     | 38,56,660                                                                                 | 11,878                                                                                    | 575                                                                                       | 38,69,113                                                                                 | 1,52,85,008                                                                               |
| 6                                                                                         | Chandigarh                                                                                | 73,843                                                                                    | 1,265                                                                                     | 127                                                                                       | 75,235                                                                                    | 4,17,408                                                                                  |
| 7                                                                                         | Chhattisgarh                                                                              | 12,34,808                                                                                 | 8,304                                                                                     | 712                                                                                       | 12,43,824                                                                                 | 41,34,657                                                                                 |
| 8                                                                                         | Delhi                                                                                     | 13,03,997                                                                                 | 28,202                                                                                    | 2,744                                                                                     | 13,34,943                                                                                 | 85,19,117                                                                                 |
| 9                                                                                         | Goa                                                                                       | 1,21,781                                                                                  | 1,112                                                                                     | 77                                                                                        | 1,22,970                                                                                  | 4,67,351                                                                                  |
| 10                                                                                        | Gujarat                                                                                   | 40,01,386                                                                                 | 53,763                                                                                    | 4,202                                                                                     | 40,59,351                                                                                 | 1,59,63,567                                                                               |
| 11                                                                                        | Haryana                                                                                   | 18,24,950                                                                                 | 22,914                                                                                    | 1,756                                                                                     | 18,49,620                                                                                 | 89,08,666                                                                                 |
| 12                                                                                        | Himachal Pradesh                                                                          | 3,17,958                                                                                  | 2,554                                                                                     | 204                                                                                       | 3,20,716                                                                                  | 13,79,541                                                                                 |
| 13                                                                                        | Jammu and Kashmir                                                                         | 7,82,165                                                                                  | 3,200                                                                                     | 208                                                                                       | 7,85,573                                                                                  | 31,13,016                                                                                 |
| 14                                                                                        | Jharkhand                                                                                 | 14,28,261                                                                                 | 5,854                                                                                     | 354                                                                                       | 14,34,469                                                                                 | 57,20,707                                                                                 |
| 15                                                                                        | Karnataka                                                                                 | 46,41,054                                                                                 | 31,270                                                                                    | 2,287                                                                                     | 46,74,611                                                                                 | 2,53,47,649                                                                               |
| 16                                                                                        | Kerala                                                                                    | 17,11,601                                                                                 | 12,821                                                                                    | 757                                                                                       | 17,25,179                                                                                 | 59,26,640                                                                                 |
| 17                                                                                        | Ladakh                                                                                    | 19,270                                                                                    | 113                                                                                       | 2                                                                                         | 19,385                                                                                    | 56,700                                                                                    |
| 18                                                                                        | Lakshadweep                                                                               | 2,366                                                                                     | -                                                                                         | -                                                                                         | 2,366                                                                                     | 7,101                                                                                     |
| 19                                                                                        | Madhya Pradesh                                                                            | 44,48,066                                                                                 | 19,641                                                                                    | 1,178                                                                                     | 44,68,885                                                                                 | 1,41,23,121                                                                               |
| 20                                                                                        | Maharashtra                                                                               | 93,48,934                                                                                 | 73,987                                                                                    | 6,827                                                                                     | 94,29,748                                                                                 | 3,20,58,248                                                                               |
| 21                                                                                        | Manipur                                                                                   | 1,65,051                                                                                  | 421                                                                                       | 18                                                                                        | 1,65,490                                                                                  | 8,06,525                                                                                  |
| 22                                                                                        | Meghalaya                                                                                 | 65,132                                                                                    | 406                                                                                       | 33                                                                                        | 65,571                                                                                    | 3,31,915                                                                                  |
| 23                                                                                        | Mizoram                                                                                   | 48,732                                                                                    | 212                                                                                       | 7                                                                                         | 48,951                                                                                    | 2,58,963                                                                                  |
| 24                                                                                        | Nagaland                                                                                  | 69,488                                                                                    | 176                                                                                       | 16                                                                                        | 69,680                                                                                    | 2,98,676                                                                                  |
| 25                                                                                        | Odisha                                                                                    | 22,24,942                                                                                 | 9,938                                                                                     | 601                                                                                       | 22,35,481                                                                                 | 1,08,27,138                                                                               |
| 26                                                                                        | Puducherry                                                                                | 1,02,019                                                                                  | 659                                                                                       | 61                                                                                        | 1,02,739                                                                                  | 4,09,082                                                                                  |
| 27                                                                                        | Punjab                                                                                    | 19,81,345                                                                                 | 16,797                                                                                    | 1,226                                                                                     | 19,99,368                                                                                 | 89,18,607                                                                                 |
| 28                                                                                        | Rajasthan                                                                                 | 40,63,741                                                                                 | 26,993                                                                                    | 1,640                                                                                     | 40,92,374                                                                                 | 1,77,00,280                                                                               |
| 29                                                                                        | Sikkim                                                                                    | 32,404                                                                                    | 165                                                                                       | 13                                                                                        | 32,582                                                                                    | 1,31,003                                                                                  |
| 30                                                                                        | Tamil Nadu                                                                                | 57,44,441                                                                                 | 39,043                                                                                    | 2,811                                                                                     | 5,786,295                                                                                 | 2,99,45,213                                                                               |
| 31                                                                                        | Telangana                                                                                 | 35,17,649                                                                                 | 20,002                                                                                    | 1,770                                                                                     | 35,39,421                                                                                 | 1,90,68,464                                                                               |
| 32                                                                                        | The Dadra &Nagar Haveli and Daman& Diu                                                    | 32,244                                                                                    | 912                                                                                       | 134                                                                                       | 33,290                                                                                    | 2,73,832                                                                                  |
| 33                                                                                        | Tripura                                                                                   | 2,89,891                                                                                  | 689                                                                                       | 46                                                                                        | 2,90,626                                                                                  | 11,87,183                                                                                 |
| 34                                                                                        | Uttar Pradesh                                                                             | 77,60,955                                                                                 | 39,876                                                                                    | 2,597                                                                                     | 78,03,428                                                                                 | 3,35,05,600                                                                               |
| 35                                                                                        | Uttarakhand                                                                               | 5,88,700                                                                                  | 4,002                                                                                     | 269                                                                                       | 5,92,971                                                                                  | 26,08,967                                                                                 |
| 36                                                                                        | West Bengal                                                                               | 48,63,991                                                                                 | 23,815                                                                                    | 1,750                                                                                     | 48,89,556                                                                                 | 2,04,45,196                                                                               |
|                                                                                           | Total:-                                                                                   | 7,17,10,805                                                                               | 4,84,961                                                                                  | 36,494                                                                                    | 7,22,32,260                                                                               | 31,66,13,901                                                                              |