Lok Sabha Question No. 1989 (UNSTARRED), answered on 2025-12-11
Subject: Loans under CGTMSE
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Brijendra Singh Ola

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

## LOK SABHA UNSTARRED QUESTION NO. 1989 TO BE ANSWERED ON 11.12.2025

## LOANS UNDER CGTMSE

## 1989.   SHRI BRIJENDRA SINGH OLA:

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

- (a) whether the loans sanctioned under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) has declined during the last two years;
- (b) if  so,  the  reasons  therefor  and  the  steps  being  taken  by  the  Government  to  improve  this situation;
- (c) the details of loans sanctioned, claims settled and credit disbursed under CGTMSE during the  last  two  years,  year  and  district-wise  for  Rajasthan,  particularly  for  Jhunjhunu  Lok  Sabha Constituency;
- (d) whether  the  Government  Departments  and  Public  Sector  Undertakings  (PSUs)  delay payments to MSMEs causing working-capital crisis; and
- (e) if so, the total outstanding amount for the current year and the deadline fixed for settling it, district-wise in the State of Rajasthan?

## ANSWER

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

(a) and (b): Credit  Guarantee  Fund  Trust  for  Micro  and  Small  Enterprises  (CGTMSE)  has approved credit guarantees worth Rs. 5.08 lakh Crore for Micro and Small Enterprises (MSEs) in the  past  two  years,  compared  to  Rs.  4.26  lakh  Crore  over  the  previous  twenty-three  years, indicating  that  loans  sanctioned  under  the  Credit  Guarantee  Scheme  (CGS)  for  MSEs  have registered a quantum jump in last two years.

- (c): The details of credit guarantees approved and claims settled under the CGS in the last two years,  district-wise,  in  the  State  of  Rajasthan,  including  the  districts  under  the  Jhunjhunu  Lok Sabha Constituency, are provided at Annexure-I .
- (d): To ensure  timely payment settlements for  MSEs  across the country, Ministry  of  MSME launched  SAMADHAAN  Portal  on  30.10.2017  for  monitoring  of  the  outstanding  dues  to  the MSEs. Further, under the provisions of the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006, Micro & Small Enterprises Facilitation Councils (MSEFCs) have been set up in States/UTs to deal with cases of delayed payments of MSEs, 161 MSEFCs have so far been set-up in States/UTs. Ministry of MSME has launched Online Dispute Resolution (ODR) Portal on 27.06.2025 to provide end-to-end digitized resolution of the delayed payment cases.
- (e): As per the MSMED Act 2006, when a supplier provides goods or services, the buyer must pay  by  the  mutually  agreed  written  date,  or  if  no  such  agreement  exists,  by  the  appointed  day. However,  any  agreed  payment  period  cannot  exceed  45  days  from  the  day  of  acceptance  or deemed acceptance. The details of the total outstanding to MSEs for the current year, district-wise in the State of Rajasthan are provided at Annexure-II.

*****

Annexure-I

Annexure  referred  in  part  (c)  of  answer  to  Lok  Sabha  Unstarred  Question  no.  1989  on 'Loans under CGTMSE' due for reply on 11.12.2025.

| CGS- Guarantees Approved - RAJASTHAN- District-wise   | CGS- Guarantees Approved - RAJASTHAN- District-wise   | CGS- Guarantees Approved - RAJASTHAN- District-wise   | CGS- Guarantees Approved - RAJASTHAN- District-wise   | CGS- Guarantees Approved - RAJASTHAN- District-wise   | CGS- Guarantees Approved - RAJASTHAN- District-wise   |
|-------------------------------------------------------|-------------------------------------------------------|-------------------------------------------------------|-------------------------------------------------------|-------------------------------------------------------|-------------------------------------------------------|
|                                                       |                                                       | FY 2023-24                                            | FY 2023-24                                            | FY 2024-25                                            | FY 2024-25                                            |
| S No.                                                 | District                                              | No. of guarantees approved                            | Amount of guarantees approved (in Rs. Crore)          | No. of guarantees approved                            | Amount of guarantees approved (in Rs. Crore)          |
| 1                                                     | Ajmer                                                 | 8,445                                                 | 923                                                   | 9,616                                                 | 856                                                   |
| 2                                                     | Alwar                                                 | 4,602                                                 | 517                                                   | 6,836                                                 | 797                                                   |
| 3                                                     | Banswara                                              | 700                                                   | 46                                                    | 942                                                   | 61                                                    |
| 4                                                     | Baran                                                 | 598                                                   | 58                                                    | 986                                                   | 82                                                    |
| 5                                                     | Barmer                                                | 1,535                                                 | 193                                                   | 2,006                                                 | 256                                                   |
| 6                                                     | Bharatpur                                             | 2,515                                                 | 190                                                   | 3,430                                                 | 245                                                   |
| 7                                                     | Bhilwara                                              | 3,036                                                 | 373                                                   | 3,413                                                 | 462                                                   |
| 8                                                     | Bikaner                                               | 3,259                                                 | 375                                                   | 3,858                                                 | 442                                                   |
| 9                                                     | Bundi                                                 | 1,011                                                 | 72                                                    | 1,554                                                 | 113                                                   |
| 10                                                    | Chittorgarh                                           | 1,795                                                 | 162                                                   | 2,314                                                 | 222                                                   |
| 11                                                    | Churu                                                 | 2,539                                                 | 197                                                   | 1,904                                                 | 184                                                   |
| 12                                                    | Dausa                                                 | 1,225                                                 | 87                                                    | 2,288                                                 | 128                                                   |
| 13                                                    | Dholpur                                               | 1,398                                                 | 83                                                    | 2,427                                                 | 95                                                    |
| 14                                                    | Dungarpur                                             | 724                                                   | 39                                                    | 961                                                   | 55                                                    |
| 15                                                    | Ganganagar                                            | 2,948                                                 | 200                                                   | 3,122                                                 | 285                                                   |
| 16                                                    | Hanumangarh                                           | 1,665                                                 | 184                                                   | 2,146                                                 | 182                                                   |
| 17                                                    | Jaipur                                                | 18,482                                                | 2,781                                                 | 31,240                                                | 5,627                                                 |
| 18                                                    | Jaisalmer                                             | 642                                                   | 43                                                    | 875                                                   | 56                                                    |
| 19                                                    | Jalore                                                | 637                                                   | 62                                                    | 853                                                   | 75                                                    |
| 20                                                    | Jhalawar                                              | 746                                                   | 71                                                    | 1,394                                                 | 108                                                   |
| 21                                                    | Jhunjhunu                                             | 2,550                                                 | 173                                                   | 2,928                                                 | 177                                                   |
| 22                                                    | Jodhpur                                               | 6,556                                                 | 770                                                   | 7,534                                                 | 1,093                                                 |
| 23                                                    | Karauli                                               | 873                                                   | 48                                                    | 965                                                   | 58                                                    |
| 24                                                    | Kota                                                  | 3,537                                                 | 285                                                   | 4,392                                                 | 411                                                   |
| 25                                                    | Nagaur                                                | 1,774                                                 | 191                                                   | 3,174                                                 | 250                                                   |
| 26                                                    | Pali                                                  | 1,436                                                 | 199                                                   | 2,110                                                 | 214                                                   |
| 27                                                    | Pratapgarh                                            | 412                                                   | 21                                                    | 475                                                   | 25                                                    |
| 28                                                    | Rajsamand                                             | 779                                                   | 93                                                    | 1,395                                                 | 132                                                   |
| 29                                                    | Sawai Madhopur                                        | 1,425                                                 | 78                                                    | 1,600                                                 | 93                                                    |
| 30                                                    | Sikar                                                 | 2,478                                                 | 173                                                   | 4,867                                                 | 297                                                   |
| 31                                                    | Sirohi                                                | 621                                                   | 47                                                    | 1,238                                                 | 81                                                    |
| 32                                                    | Tonk                                                  | 1,438                                                 | 102                                                   | 2,329                                                 | 114                                                   |
| 33                                                    | Udaipur                                               | 3,467                                                 | 345                                                   | 5,252                                                 | 589                                                   |
|                                                       | TOTAL                                                 | 85,848                                                | 9,180                                                 | 1,20,424                                              | 13,865                                                |

| CGS - Claims Settled - RAJASTHAN- District-wise   | CGS - Claims Settled - RAJASTHAN- District-wise   | CGS - Claims Settled - RAJASTHAN- District-wise   | CGS - Claims Settled - RAJASTHAN- District-wise   | CGS - Claims Settled - RAJASTHAN- District-wise   | CGS - Claims Settled - RAJASTHAN- District-wise   |
|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|
|                                                   |                                                   | FY 2023-24                                        | FY 2023-24                                        | [Amount in Rs. Crore] FY 2024-25                  | [Amount in Rs. Crore] FY 2024-25                  |
| S No.                                             | District                                          | No. of claims settled                             | Amount settled                                    | No. of claims settled                             | Amount settled                                    |
| 1                                                 | Ajmer                                             | 629                                               | 11.06                                             | 812                                               | 19.63                                             |
| 2                                                 | Alwar                                             | 288                                               | 4.57                                              | 401                                               | 5.57                                              |
| 3                                                 | Banswara                                          | 114                                               | 0.65                                              | 130                                               | 0.85                                              |
| 4                                                 | Baran                                             | 60                                                | 1.25                                              | 125                                               | 0.43                                              |
| 5                                                 | Barmer                                            | 65                                                | 0.69                                              | 140                                               | 1.62                                              |
| 6                                                 | Bharatpur                                         | 123                                               | 1.72                                              | 94                                                | 1.48                                              |
| 7                                                 | Bhilwara                                          | 201                                               | 4.17                                              | 250                                               | 6.20                                              |
| 8                                                 | Bikaner                                           | 243                                               | 2.94                                              | 537                                               | 5.05                                              |
| 9                                                 | Bundi                                             | 103                                               | 0.57                                              | 104                                               | 0.93                                              |
| 10                                                | Chittorgarh                                       | 146                                               | 1.43                                              | 372                                               | 3.24                                              |
| 11                                                | Churu                                             | 130                                               | 0.93                                              | 251                                               | 1.41                                              |
| 12                                                | Dausa                                             | 128                                               | 1.83                                              | 166                                               | 1.80                                              |
| 13                                                | Dholpur                                           | 49                                                | 0.31                                              | 23                                                | 0.35                                              |
| 14                                                | Dungarpur                                         | 59                                                | 0.57                                              | 61                                                | 0.43                                              |
| 15                                                | Ganganagar                                        | 247                                               | 2.16                                              | 378                                               | 2.65                                              |
| 16                                                | Hanumangarh                                       | 139                                               | 0.94                                              | 251                                               | 1.72                                              |
| 17                                                | Jaipur                                            | 881                                               | 26.15                                             | 2207                                              | 31.84                                             |
| 18                                                | Jaisalmer                                         | 39                                                | 0.49                                              | 46                                                | 0.43                                              |
| 19                                                | Jalore                                            | 46                                                | 0.58                                              | 62                                                | 0.65                                              |
| 20                                                | Jhalawar                                          | 71                                                | 0.54                                              | 81                                                | 0.58                                              |
| 21                                                | Jhunjhunu                                         | 74                                                | 0.53                                              | 184                                               | 1.20                                              |
| 22                                                | Jodhpur                                           | 262                                               | 5.63                                              | 450                                               | 8.92                                              |
| 23                                                | Karauli                                           | 54                                                | 0.59                                              | 80                                                | 0.79                                              |
| 24                                                | Kota                                              | 225                                               | 3.56                                              | 523                                               | 4.74                                              |
| 25                                                | Nagaur                                            | 124                                               | 1.48                                              | 218                                               | 1.98                                              |
| 26                                                | Pali                                              | 113                                               | 1.23                                              | 192                                               | 1.81                                              |
| 27                                                | Pratapgarh                                        | 53                                                | 0.74                                              | 43                                                | 0.41                                              |
| 28                                                | Rajsamand                                         | 106                                               | 1.57                                              | 137                                               | 2.23                                              |
| 29                                                | Sawai Madhopur                                    | 166                                               | 1.80                                              | 126                                               | 0.97                                              |
| 30                                                | Sikar                                             | 182                                               | 1.81                                              | 243                                               | 1.45                                              |
| 31                                                | Sirohi                                            | 60                                                | 0.73                                              | 106                                               | 0.78                                              |
| 32                                                | Tonk                                              | 73                                                | 1.01                                              | 95                                                | 0.99                                              |
| 33                                                | Udaipur                                           | 224                                               | 5.43                                              | 348                                               | 4.43                                              |
|                                                   | TOTAL                                             | 5,477                                             | 89.65                                             | 9,236                                             | 117.57                                            |

|         | Outstanding to MSEs      | Outstanding to MSEs              |
|---------|--------------------------|----------------------------------|
| S No. 1 | District Jaipur          | Amount Payable (Rs. Crore) 69.98 |
| 2       | Alwar                    | 12.86                            |
| 3       | Jodhpur                  | 15.32                            |
| 4       | Udaipur                  | 10.44                            |
| 5       | Ajmer                    | 5.14                             |
| 6       | Bikaner                  | 12.85                            |
| 7       | Pali                     | 1.19                             |
| 8       | Kota                     | 33.3                             |
| 9       | Barmer                   | 2.43                             |
| 10      | Nagaur                   | 9.03                             |
| 11      | Bhilwara                 | 0.79                             |
| 12      | Hanumangarh              | 1.03                             |
| 13      | Jhunjhunu                |                                  |
|         |                          | 1.07                             |
| 14 15   | Rajsamand Jaipur Gramin  | 0.76 1.22                        |
| 16      | Chittorgarh              | 0.44                             |
| 17      | Ganganagar               | 0.05                             |
| 18      |                          | 0.04                             |
|         | Churu                    |                                  |
| 19      | Dausa                    | 0.2                              |
| 20      | Beawar                   | 0.1                              |
| 21      | Bharatpur                | 0.34                             |
| 22      | Sawai Madhopur           | 2.24                             |
| 23 24   | Sikar Sirohi             | 1.2 0.23                         |
|         | Balotra                  | 0.06                             |
| 25 26   | Banswara                 | 0.07                             |
| 27      | Jalore                   | 0.12                             |
|         |                          | 0.03                             |
| 28      | Jodhpur Gramin           |                                  |
| 29      | Tonk                     | 0.07                             |
| 31 32   | Karauli Kotputli-Behror  | 0.01 0.03                        |
| 33      | Baran                    | 0.09                             |
| 34 35   | Dholpur Didwana Kuchaman | 0 0.07                           |
| 36      | Dudu                     | 0                                |
| 37      | Dungarpur                | 0                                |
| 38      | Deeg                     | 0                                |
| 39      | Anoopgarh                | 0                                |
| 40      | Kekri                    | 0                                |
| 41      | Jhalawar                 |                                  |
| 42      |                          | 0                                |
|         | Jaisalmer                | 0                                |
| 43      | Gangapurcity             | 0                                |
| 44      | Bundi                    | 0                                |
| 45      | Shahpura                 | 0                                |
| 46      | Salumbar                 | 0                                |
| 47      | Sanchor                  | 0                                |
| 48 49   | Neem Ka Thana Phalodi    | 0 0                              |
| 50      |                          |                                  |
|         | Pratapgarh Total         | 0 183.28                         |