Lok Sabha Question No. 117 (STARRED), answered on 2016-05-02
Subject: Credit Guarantee Scheme for MSMEs
Ministry: MICRO,SMALL AND MEDIUM ENTERPRISES
Asked by: KOTHA PRABHAKAR REDDY

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA STARRED QUESTION NO. *117 TO BE ANSWERED ON: 02.05.2016

## CREDIT GUARANTEE SCHEME FOR MSMEs

## *117. SHRI PRABHAKAR REDDY KOTHA:

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

- (a) whether  the  Government  has,  in  collaboration  with  SIDBI,  launched  Credit Guarantee  Fund  Trust  for  Micro,  Small  and  Medium  Enterprises  Scheme  for  the benefit of Micro and Small Enterprises;
- (b) if so, the details and salient features thereof along with the amount sanctioned and utilised and number of persons benefited therefrom, State/UT-wise;
- (c) the detail of the other such credit guarantee schemes and programmes available with the bank for micro and small entrepreneurs;
- (d) whether  any  collaterals  have  to  be  provided  for  availing  benefits  of  such schemes and if so, the details thereof?

## ANSWER

## MINISTER OF MICRO, SMALL AND MEDIUM ENTERPRISES (SHRI KALRAJ MISHRA)

(a)to(d): A Statement is laid on the Table of the House.

## STATEMENT REFERRED TO IN REPLY TO PARTS (a)  TO  (d)  OF  THE LOK SABHA STARRED QUESTION NO.* 117 FOR ANSWER ON 02.05.2016

(a): The  Ministry  of  Micro,  Small  and  Medium  Enterprises,  Govt.  of  India,  and Small  Industries  Development  Bank  of  India  (SIDBI),  together  have  established  a Trust named Credit Guarantee Fund Trust for Small Industries, now known as Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), for implementing the  Credit  Guarantee  Scheme  for  Micro  &  Small  Enterprises  (CGS).  Since  its inception,  CGTMSE  has  facilitated  easy  access  to  credit  from  organized  banking sector  to  first  generation  entrepreneurs  in  the  Micro  and  Small  Enterprises  (MSE) sector.    CGTMSE,  in  turn,  provides  guarantee  to  its  registered  Member  Lending Institutions (MLIs) against the loans / credit facilities upto Rs. 100 lakh extended by them without taking any collateral security and / or third party guarantee.

- (b): As on March 31, 2016, 23,23,673 guarantees for an amount of Rs.1,08,990.86 crore  have  been  approved  by  CGTMSE  since  inception.  The  State-wise  guarantees approved  (no.  of  beneficiaries  and  amount  of  credit  /  loan  covered)  under  Credit Guarantee Scheme upto the current year (as on March 31, 2016) are given at Annex.
- (c): The  other  credit  guarantee  schemes  and  programmes  available  with  banks wherein  micro  and  small  units  are  also  among  the  beneficiaries,  inter-alia,  include Credit  Guarantee  Fund  for  the  MUDRA  Scheme  in  the  Department  of  Financial Services,  Ministry  of  Finance  and  Credit  Enhancement  Guarantee  Scheme  for Scheduled Castes operated by Ministry of Social Justice and Empowerment.
- (d): No  collateral  is  required  for  accessing  loan  under  the  Credit  Guarantee Scheme.

***

## Annexure referred to in reply to part referred to in reply to part (b) of the Lok Sabha Starred Question NO.* 117 Question NO.* 117

## for answer on 02.05.2016 Credit Guarantee Fund Trust for Micro and Small Enterprises Credit Guarantee Fund Trust for Micro and Small Enterprises Credit Guarantee Fund Trust for Micro and Small Enterprises

## State Wise Report State Wise Report  Guarantee Approved as on March 31, 2016 (Cumulative) Guarantee Approved as on March 31, 2016

Approved Amount

Approved Amount

| Sl. No.   | State Name State Name             |   Proposals | Approved Amount (in Rs. Lakh) Approved Amount (in Rs. Lakh)   |
|-----------|-----------------------------------|-------------|---------------------------------------------------------------|
| 1         | ANDAMAN& NICOBAR                  |        1828 | 9137.85                                                       |
| 2         | ANDHRA PRADESH ANDHRA PRADESH     |       75186 | 206506.49                                                     |
| 3         | ARUNACHAL PRADESH                 |        5937 | 27553.05                                                      |
| 4         | ASSAM                             |       81822 | 271859.28                                                     |
| 5         | BIHAR                             |      119129 | 500767.68                                                     |
| 6         | CHANDIGARH CHANDIGARH             |        5036 | 32027.95                                                      |
| 7         | CHHATTISGARH CHHATTISGARH         |       31894 | 166893.69                                                     |
| 8         | DADRA&NAGAR HAVELI DADRA&NAGAR    |         427 | 10073.93                                                      |
| 9         | DAMAN &DIU DAMAN &DIU             |         366 | 9073.38                                                       |
| 10        | DELHI                             |       26989 | 281193.51                                                     |
| 11        | GOA                               |       14833 | 90877.52                                                      |
| 12        | GUJARAT                           |       91977 | 766184.64                                                     |
| 13        | HARYANA                           |       29941 | 217156.1                                                      |
| 14        | HIMACHAL PRADESH HIMACHAL PRADESH |       42135 | 228562.4                                                      |
| 15        | JAMMU &KASHMIR JAMMU &KASHMIR     |       58810 | 124679.83                                                     |
| 16        | JHARKHAND                         |       92606 | 538374.65                                                     |
| 17        | KARNATAKA                         |      201792 | 1014726.58                                                    |
| 18        | KERALA                            |      216706 | 522204.52                                                     |
| 19        | LAKSHA DEEP LAKSHA DEEP           |         296 | 803.42                                                        |
| 20        | MADHYA PRADESH MADHYA PRADESH     |       79831 | 415358.02                                                     |
| 21        | MAHARASHTRA MAHARASHTRA           |      171446 | 1231189.44                                                    |
| 22        | MANIPUR                           |        5436 | 16845.79                                                      |
| 23        | MEGHALAYA MEGHALAYA               |        6915 | 31177.94                                                      |
| 24        | MIZORAM                           |        3357 | 12592.31                                                      |
| 25        | NAGALAND                          |        5203 | 17540.71                                                      |
| 26        | ORISSA                            |      110418 | 453109.45                                                     |
| 27        | PONDICHERRY PONDICHERRY           |        3775 | 13410.58                                                      |
| 28        | PUNJAB                            |       50090 | 283042.11                                                     |
| 29        | RAJASTHAN                         |       75549 | 364054.75                                                     |
| 30        | SIKKIM                            |        1797 | 7358.96                                                       |
| 31        | TAMILNADU                         |      228680 | 892498.4                                                      |
| 32        | TELANGANA                         |       43642 | 238391.53                                                     |
| 33        | TRIPURA                           |        9433 | 32082.39                                                      |
| 34        | UTTAR PRADESH UTTAR PRADESH       |      259524 | 1073688.96                                                    |
| 35        | UTTARAKHAND UTTARAKHAND           |       30150 | 151100.84                                                     |
| 36        | WEST BENGAL WEST BENGAL           |      140717 | 646986.97                                                     |
|           | Total                             |     2323673 | 10899085.62 10899085.62                                       |