Lok Sabha Question No. 943 (UNSTARRED), answered on 2026-02-05
Subject: Strengthening of MSMEs
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Pradyut Bordoloi

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

## LOK SABHA UNSTARRED QUESTION NO. 943 TO BE ANSWERED ON: 05.02.2026

## STRENGTHENING OF MSMEs

## 943. SHRI PRADYUT BORDOLOI:

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

- (a) whether  the  Government  has  reviewed  the  Micro,  Small  and  Medium  Enterprises  (MSMEs) sector  in  terms  of  new  registrations,  credit  linkage,  job  creation  and  regional  spread  and  if  so,  the details thereof during 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  and  if  so,  the  details  thereof  and  if  not,  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 and 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, if so, the details 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): Udyam Registration Portal (URP) was launched by Ministry of MSME on 01.07.2020 to facilitate  ease  of  registration  for  MSMEs.  The  process  of  registration  on  Udyam  is  fully  online, paperless and based on self-declaration. For those Informal Micro Enterprises (IMEs), which do not have PAN and are exempted from GST, Udyam Assist Platform (UAP) was launched on 11.01.2023 in association  with  Small  Industries  Development  Bank  of  India  (SIDBI).  The  formalisation  initiative provides ease of doing business, creates an identity for MSMEs and they become eligible to avail the benefit of various schemes, subject to eligibility criteria.

Since the launch of URP on 01.07.2020, a total of  7,61,12,097 enterprises have registered on Udyam  as  of  31.01.2026.  This  includes  14,57,551  enterprises  in  Assam,  which  have  reported  an employment of  99,04,891.

The Central Government supplements the efforts of the State/UT Governments through various schemes, programmes and policy initiatives for overall development and promotion of MSMEs in the country  including  the  State  of  Assam.  The  Ministry  of  MSME  has  taken  a  number  of initiatives  for creating an enabling environment  for  MSMEs.  This  inter  alia  includes  various  schemes  and programmes such as Prime Minister's Employment  Generation Programme  (PMEGP),  Credit Guarantee Scheme for Micro and Small Enterprises, Micro and Small EnterprisesCluster Development Programme (MSE-CDP), Raising and Accelerating MSME Performance (RAMP), Self Reliant India (SRI) Fund, PM Vishwakarma and MSME Champions Scheme etc. Many of the schemes have special provisions for SC/ST & Women owned enterprises.

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, Women, and others, the Margin Money subsidy is 35% in rural  areas  and  25%  in  urban  areas.  The  total  number  of  Micro  Enterprises  Assisted  in  the  State  of Assam under PMEGP is as follows:

| Number of Micro Enterprises Assisted in the State of Assam under PMEGP   | Number of Micro Enterprises Assisted in the State of Assam under PMEGP   | Number of Micro Enterprises Assisted in the State of Assam under PMEGP   | Number of Micro Enterprises Assisted in the State of Assam under PMEGP   |
|--------------------------------------------------------------------------|--------------------------------------------------------------------------|--------------------------------------------------------------------------|--------------------------------------------------------------------------|
| Financial Year                                                           | Number of Micro Enterprises Assisted                                     | Margin Money Subsidy (Rs. in Cr.)                                        | Estimated Employment                                                     |
| 2022-23                                                                  | 2,596                                                                    | 59.54                                                                    | 20,768                                                                   |
| 2023-24                                                                  | 2,417                                                                    | 64.06                                                                    | 19,336                                                                   |
| 2024-25                                                                  | 3,170                                                                    | 91.10                                                                    | 25,360                                                                   |

The Ministry of MSME implements the Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs) through Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) with an objective to provide credit guarantees to its Member Lending Institutions for the credit facilities extended  by  them  to  the  MSEs  without  any  collateral  security  and  third-party  guarantee.  Guarantee ceiling under the Scheme is ₹10 crore per borrower and the extent of guarantee coverage ranges from 75%  to  90%,  as  per  the  category  of  borrower  and  /or  geographical  region.  The  total  number  of guarantees  extended  to  MSEs  under  the  Scheme  in  the  last  three  years  within  State  of  Assam  is  as follows:

| Details of Guarantees approved in the State of Assam   | Details of Guarantees approved in the State of Assam   | Details of Guarantees approved in the State of Assam   |
|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|
| Financial Year                                         | No. of Guarantees approved                             | Amount approved (in ₹ Crore)                           |
| 2022-23                                                | 34,081                                                 | 3,045                                                  |
| 2023-24                                                | 56,392                                                 | 6,109                                                  |
| 2024-25                                                | 94,128                                                 | 9,684                                                  |

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