Lok Sabha Question No. 195 (UNSTARRED), answered on 2026-01-29
Subject: Financial Support and Credit Facilitation
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Janardan Singh Sigriwal, Shri Bhartruhari Mahtab, Shri Vishweshwar Hegde Kageri, Smt. Mahima Kumari Mewar, Shri Pradeep Purohit, Shri P P Chaudhary, Dr. Sanjay Jaiswal, Shri Shashank Mani, Shri Balabhadra Majhi

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

## LOK SABHA UNSTARRED QUESTION NO. 195 TO BE ANSWERED ON 29-01-2026

## FINANCIAL SUPPORT AND CREDIT FACILITATION

## 195. SHRI JANARDAN SINGH SIGRIWAL:

SHRI VISHWESHWAR HEGDE KAGERI:

SHRI SHASHANK MANI:

SHRI PRADEEP PUROHIT:

SMT. MAHIMA KUMARI MEWAR:

SHRI P P CHAUDHARY:

SHRI BALABHADRA MAJHI:

DR. SANJAY JAISWAL:

SHRI BHARTRUHARI MAHTAB:

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

- (a) the  details  of  credit  guarantees approved  under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGFTMSE) during the year 2025, including the enhanced coverage ceiling and special provisions for various categories, State-wise including in Nabarangpur Lok Sabha Constituency and Cuttack district of Odisha;
- (b) the  progress  made  under  the  Mutual  Credit  Guarantee  Scheme  for  MSMEs  announced  in January  2025,  Sector-wise  and  the  impact  of  the  said  scheme  on  Micro,  Small  and  Medium Enterprises  (MSMEs),  particularly  in  Cuttack  and  in  Nabarangpur  Lok  Sabha  Constituency  of Odisha;
- (c) the  cumulative  total  amount  of  loans  sanctioned  under  Pradhan  Mantri  Mudra  Yojana (PMMY) since  its  inception  and  its  achievements  thereof,  particularly  to  non-corporate,  non-farm MSME registered in Pali, Rajasthan, district-wise in Odisha including Cuttack and Nabarangpur Lok Sabha Constituencies; and
- (d) the steps being taken to enhance collateral-free credit access for MSMEs?

## ANSWER

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

- (a): The State-wise details of credit guarantees approved under Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs) during FY 2025-26 till 31.12.2025 are at Annexure-I. The details of credit guarantees approved in Odisha including in Nabarangpur Lok Sabha Constituency and Cuttack District are at Annexure-II.
- (b): As informed by Department of Financial Services (DFS), Mutual Credit Guarantee Scheme for MSMES (MCGS-MSME) was introduced in January 2025. The Scheme provides credit guarantee cover  to  lenders  (Scheduled  Commercial  Banks,  All  India  Financial  Institutions,  NBFCs)  for  their term loans up to Rs.100 crore to MSMEs for their projects involving purchase of equipment/machinery.  As  on  31.12.2025,  23  loans  amounting  to  Rs  173.39  crore  have  been guaranteed under the scheme. Further, DFS has informed that, since Scheme was launched recently, no guarantees have been issued in state of Odisha under MCGS-MSME.

(c): As informed by DFS, Pradhan Mantri Mudra Yojana (PMMY) was launched on 08.04.2015. As  on  02.01.2026,  a  total  of  Rs.  38.18  lakh  crore  have  been  sanctioned  under  PMMY,  since inception.  Out  of  which,  Rs.4,666.21  crore  have  been  sanctioned  in  Pali  District  in  the  State  of Rajasthan. The district-wise details of amount sanctioned in Odisha are at Annexure-III.

(d): As informed by Reserve Bank of India (RBI), in terms of para 4.1 of RBI Master Direction dated  July  24,  2017  (Updated  as  on  July  23,  2025)  on  'Lending  to  Micro,  Small  &  Medium Enterprises (MSME) Sector', banks are mandated not to accept collateral security in the case of loans up to Rs. 10 lakhs extended to units in the MSE sector.

In  addition,  Ministry  of  MSME  through  its  field  offices  regularly  organizes  awareness campaigns for Government schemes /programmes, in coordination with MSME/  Industry Departments of  States/UTs  concerned  and  other MSME  stakeholders  through  physical  workshops, social media, print media & electronic media for creating wide publicity for increasing participation from all stake holders.

*****

Annexure  referred  in  part  (a)  of  answer  to  Lok  Sabha  Unstarred  Question  no.  195  on 'Financial Support and Credit Facilitation' due for reply on 29.01.2026.

| CGTMSE - GUARANTEE APPROVED FY 2025-26 Till December 31, 2025   | CGTMSE - GUARANTEE APPROVED FY 2025-26 Till December 31, 2025   | CGTMSE - GUARANTEE APPROVED FY 2025-26 Till December 31, 2025   | CGTMSE - GUARANTEE APPROVED FY 2025-26 Till December 31, 2025   |
|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|
| Sr. No.                                                         | STATEs / UTs                                                    | No. of guarantees approved                                      | Amount Approved in Rs. crore                                    |
| 1                                                               | Andaman And Nicobar Islands                                     | 699                                                             | 143                                                             |
| 2                                                               | Andhra Pradesh                                                  | 94,709                                                          | 9,820                                                           |
| 3                                                               | Arunachal Pradesh                                               | 1,407                                                           | 434                                                             |
| 4                                                               | Assam                                                           | 34,577                                                          | 5,775                                                           |
| 5                                                               | Bihar                                                           | 1,16,301                                                        | 11,576                                                          |
| 6                                                               | Chandigarh                                                      | 6,024                                                           | 1,494                                                           |
| 7                                                               | Chhattisgarh                                                    | 27,210                                                          | 4,374                                                           |
| 8                                                               | Delhi                                                           | 43,781                                                          | 12,646                                                          |
| 9                                                               | Goa                                                             | 3,320                                                           | 645                                                             |
| 10                                                              | Gujarat                                                         | 84,209                                                          | 26,776                                                          |
| 11                                                              | Haryana                                                         | 53,117                                                          | 10,879                                                          |
| 12                                                              | Himachal Pradesh                                                | 21,058                                                          | 2,437                                                           |
| 13                                                              | Jammu And Kashmir                                               | 32,165                                                          | 2,501                                                           |
| 14                                                              | Jharkhand                                                       | 43,008                                                          | 5,828                                                           |
| 15                                                              | Karnataka                                                       | 1,09,580                                                        | 20,155                                                          |
| 16                                                              | Kerala                                                          | 54,558                                                          | 8,071                                                           |
| 17                                                              | Ladakh                                                          | 451                                                             | 87                                                              |
| 18                                                              | Lakshadweep                                                     | 45                                                              | 2                                                               |
| 19                                                              | Madhya Pradesh                                                  | 77,861                                                          | 13,203                                                          |
| 20                                                              | Maharashtra                                                     | 1,82,220                                                        | 41,500                                                          |
| 21                                                              | Manipur                                                         | 1,929                                                           | 220                                                             |
| 22                                                              | Meghalaya                                                       | 2,200                                                           | 382                                                             |
| 23                                                              | Mizoram                                                         | 1,472                                                           | 172                                                             |
| 24                                                              | Nagaland                                                        | 1,446                                                           | 218                                                             |
| 25                                                              | Odisha                                                          | 60,138                                                          | 9,694                                                           |
| 26                                                              | Puducherry                                                      | 2,361                                                           | 359                                                             |
| 27                                                              | Punjab                                                          | 59,662                                                          | 9,536                                                           |
| 28                                                              | Rajasthan                                                       | 90,019                                                          | 14,526                                                          |
| 29                                                              | Sikkim                                                          | 1,072                                                           | 170                                                             |
| 30                                                              | Tamil Nadu                                                      | 1,13,564                                                        | 21,521                                                          |
| 32                                                              | The Dadra And Nagar Haveli And Daman And Diu                    | 1,010                                                           | 317                                                             |
| 33                                                              |                                                                 |                                                                 | 676                                                             |
|                                                                 | Tripura                                                         | 7,930                                                           |                                                                 |
| 34                                                              | Uttar Pradesh                                                   | 3,99,404                                                        | 33,244                                                          |
| 35                                                              | Uttarakhand                                                     | 22,061                                                          | 3,072                                                           |
| 36                                                              | West Bengal                                                     | 1,24,814                                                        | 18,450                                                          |

Annexure  referred  in  part  (a)  of  answer  to  Lok  Sabha  Unstarred  Question  no.  195  on 'Financial Support and Credit Facilitation' due for reply on 29.01.2026.

| CGTMSE - Guarantee Approved FY 2025-26 till December 31, 2025   | CGTMSE - Guarantee Approved FY 2025-26 till December 31, 2025   | CGTMSE - Guarantee Approved FY 2025-26 till December 31, 2025   |
|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|
| District                                                        | No. of guarantees approved                                      | Amount Approved in Rs. crore                                    |
| Nabrangpur                                                      | 562                                                             | 93                                                              |
| Koraput                                                         | 1259                                                            | 187                                                             |
| Malkangiri                                                      | 254                                                             | 42                                                              |
| Cuttack                                                         | 5623                                                            | 1106                                                            |

Annexure  referred  in  part  (c)  of  answer  to  Lok  Sabha  Unstarred  Question  no.  195  on 'Financial Support and Credit Facilitation' due for reply on 29.01.2026.

| Pradhan Mantri Mudra Yojana (PMMY) District-wise Report -Cumulative (As on 02.01.2026*)   | Pradhan Mantri Mudra Yojana (PMMY) District-wise Report -Cumulative (As on 02.01.2026*)   | Pradhan Mantri Mudra Yojana (PMMY) District-wise Report -Cumulative (As on 02.01.2026*)   |
|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|
|                                                                                           |                                                                                           | (Amount in Rs. Crore)                                                                     |
| Odisha                                                                                    | Odisha                                                                                    | Odisha                                                                                    |
| 1                                                                                         | Angul                                                                                     | 5,254.26                                                                                  |
| 2                                                                                         | Balangir                                                                                  | 5,807.49                                                                                  |
| 3                                                                                         | Baleshwar                                                                                 | 8,153.18                                                                                  |
| 4                                                                                         | Bargarh                                                                                   | 5,357.81                                                                                  |
| 5                                                                                         | Bhadrak                                                                                   | 7,385.32                                                                                  |
| 6                                                                                         | Boudh                                                                                     | 1,553.70                                                                                  |
| 7                                                                                         | Cuttack                                                                                   | 12,354.37                                                                                 |
| 8                                                                                         | Debagarh                                                                                  | 789.89                                                                                    |
| 9                                                                                         | Dhenkanal                                                                                 | 4,432.05                                                                                  |
| 10                                                                                        | Gajapati                                                                                  | 1,101.40                                                                                  |
| 11                                                                                        | Ganjam                                                                                    | 12,832.92                                                                                 |
| 12                                                                                        | Jagatsinghpur                                                                             | 5,048.02                                                                                  |
| 13                                                                                        | Jajpur                                                                                    | 7,147.69                                                                                  |
| 14                                                                                        | Jharsuguda                                                                                | 2,875.66                                                                                  |
| 15                                                                                        | Kalahandi                                                                                 | 3,946.34                                                                                  |
| 16                                                                                        | Kandhamal                                                                                 | 1,672.56                                                                                  |
| 17                                                                                        | Kendrapara                                                                                | 2,783.31                                                                                  |
| 18                                                                                        | Kendujhar                                                                                 | 4,915.74                                                                                  |
| 19                                                                                        | Khordha                                                                                   | 19,153.33                                                                                 |
| 20                                                                                        | Koraput                                                                                   | 3,192.90                                                                                  |
| 21                                                                                        | Malkangiri                                                                                | 1,309.67                                                                                  |
| 22                                                                                        | Mayurbhanj                                                                                | 7,744.06                                                                                  |
| 23                                                                                        | Nabarangpur                                                                               | 2,063.79                                                                                  |
| 24                                                                                        | Nayagarh                                                                                  | 4,243.92                                                                                  |
| 25                                                                                        | Nuapada                                                                                   | 1,814.63                                                                                  |
| 26                                                                                        | Puri                                                                                      | 7,316.12                                                                                  |
| 27                                                                                        | Rayagada                                                                                  | 2,508.15                                                                                  |
| 28                                                                                        | Sambalpur                                                                                 | 4,996.91                                                                                  |
| 29                                                                                        | Subarnapur                                                                                | 2,753.21                                                                                  |
| 30                                                                                        | Sundargarh                                                                                | 6,791.85                                                                                  |
| 31                                                                                        | Other #                                                                                   | 15,626.07                                                                                 |

Source: As per data uploaded by Member Lending Institutions on Mudra Portal