Lok Sabha Question No. 2119 (UNSTARRED), answered on 2026-02-12
Subject: CGTMSE in Maharashtra
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Omprakash Bhupalsinh Alias Pavan Rajenimbalkar

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

## LOK SABHA UNSTARRED QUESTION NO. 2119 TO BE ANSWERED ON 12.02.2026

## CGTMSE IN MAHARASHTRA

## 2119.  SHRI OMPRAKASH BHUPALSINH Alias PAVAN RAJENIMBALKAR:

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

- (a) the  number  of  Micro,  Small  and  Medium  Enterprises  (MSMEs)  in  the  rural  areas  of Maharashtra that have received credit support under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) during the last three years;
- (b) whether  the  Government  has  identified  the  credit-related  hurdles  being  faced  by  firstgeneration entrepreneurs and if so, the details thereof;
- (c) the  measures  proposed  to  simplify  the  availability  of  collateral-free  loans  through  digital platforms; and
- (d) whether any coordination mechanism exists with District Industries Centres (DICs) and Banks to expedite the flow of credit and if so, the details thereof?

## ANSWER

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

- (a): The  details  of  credit  guarantees  extended  to  Micro  and  Small  Enterprises  (MSEs),  including those in rural areas, under the Credit Guarantee Scheme (CGS) for MSEs in Maharashtra during the last three years are as below:

| CGS - Guarantees approved- Maharashtra   | CGS - Guarantees approved- Maharashtra   | CGS - Guarantees approved- Maharashtra   |
|------------------------------------------|------------------------------------------|------------------------------------------|
| Financial Year                           | No. of guarantees approved               | Amount approved (in Rs. crore)           |
| 2022-23                                  | 66,055                                   | 11,926                                   |
| 2023-24                                  | 1,29,892                                 | 23,359                                   |
| 2024-25                                  | 2,38,128                                 | 39,989                                   |

(b) to (d): Government of India has, inter-alia, taken the following measures to strengthen access to credit for Micro Small and Medium Enterprises (MSMEs), including first generation entrepreneurs: -

- (i) Ministry of MSME implements CGS for MSEs through Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) to provide credit guarantee for loans extended to MSEs. The ceiling for guarantee coverage under the scheme is Rs 10 crore.
- (ii) Self-Reliant India (SRI) Fund has been set up to infuse Rs. 50,000 crore as equity funding in MSMEs with a provision of Rs. 10,000 crore from the Government of India and Rs. 40,000 crore through Private Equity/Venture Capital Funds. The Budget 2026-27 has also announced a support  of  Rs  2000  crore  to  top  up  the  Self-Reliant  India  Fund  set  up  in  2021  to  continue support to micro enterprises.

- (iii) Prime Minister's Employment Generation Programme provides Margin Money subsidy up to 35%, for setting up of new micro enterprises, in the non-farm sector with project cost of Rs. 50 lakh for Manufacturing and Rs. 20 lakh for Service enterprises.
- (iv) PM Vishwakarma Scheme was launched on 17.09.2023 to provide end-to-end holistic support to artisans and craftspeople of 18 traditional trades who work with their hands and tools. The Scheme includes provision of loans up to Rs. 3 lakh with interest subvention of max up to 8%.
- (v) Reserve Bank of India has issued guidelines for setting up and operating the Trade Receivables Discounting  System  (TReDS).    The  scheme  facilitates  the  financing  of  trade  receivables  of MSMEs from corporate and other buyers, including government departments and Public Sector Undertakings (PSUs) through multiple financiers electronically.

Ministry  of  MSME,  through  its  field  offices,  regularly  organizes  outreach  programmes  in coordination with MSME/Industry Departments of States/UTs concerned including District Industries Centres  (DICs)  and  other  stakeholders  like  CGTMSE,  SIDBI,  Banks,  MSME  Associations  etc.,  to create awareness about the benefits of the Schemes and to expedite the flow of credit.

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