Lok Sabha Question No. 2061 (UNSTARRED), answered on 2025-12-11
Subject: Beneficiaries under CRGFTLIH
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Dhaval Laxmanbhai Patel, Shri K Gopinath

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 2061

## TO BE ANSWERED ON DECEMBER 11, 2025

## BENEFICIARIES UNDER CRGFTLIH

NO. 2061.  SHRI DHAVAL LAXMANBHAI PATEL:

SHRI K GOPINATH:

Will  the  Minister  of  HOUSING  AND  URBAN AFFAIRS be pleased to state:

- (a) the list of beneficiaries under Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH), State-wise, particularly in Tamil Nadu;
- (b) the amount of funds allocated and disbursed under CRGFTLIH, State-wise;
- (c) the list and total amount of Non-Performing Assets (NPAs) under CRGFTLIH; and
- (d) the achievements made under the Trust so far?

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## ANSWER THE MINISTER OF STATE IN THE (SHRI TOKHAN SAHU)

(a) to (d): Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH) scheme aims to guarantee affordable housing loan up to ₹20 lakh sanctioned and disbursed by the Member  Lending Institutions  (MLIs)  including  Banks/Housing  Finance  Companies (HFCs) to the eligible beneficiaries of Economically Weaker Section (EWS) and  Low Income Group (LIG) categories including those of Pradhan Mantri Awas Yojana-Urban (PMAY-U) 2.0, thereby enhancing the confidence of the lending institutions in lending to this segment.

It aims  to strengthen access  to housing finance for eligible borrowers,  particularly  those  with  informal  income  sources  by creating a supportive framework that encourages financial institutions to extend credit confidently.

The Government of India has approved corpus of ₹ 3,000 crore for the CRGFTLIH. The fund used for settlement of claims on default, which may arise from time to time. No claims on default have been made till date  and  no  NPAs  are  reported.  No  separate  state  wise  fund allocation has been made under CRGFTLIH. The CGRFTLIH scheme was launched on 15.01.2025 and a total of 5,461 loans for cumulative amount of ₹546.79 crore have been guaranteed upto 30.11.2025. A total of 55 MLIs including Banks, Non-Banking Financial Companies (NBFCs)/HFCs have been registered under the CRGFTLIH Scheme up to 31.10.2025.

State/UT wise no. of loans guaranteed along with the amount of loan guaranteed under the CRGFTLIH across the country including Tamil Nadu, so far is at Annexure.

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## Annexure referred in reply to Lok Sabha Unstarred Q. No. 2061 due for 11.12.2025

## State/UT wise no. of loans guaranteed along with amount of loan guaranteed under the CRGFTLIH across the country including Tamil Nadu, so far

| Sl. No.   | State/UT                                 |   Number of Loans Guaranteed |   Loan Amount Guaranteed (Rs. Crores) |
|-----------|------------------------------------------|------------------------------|---------------------------------------|
| 1         | Andhra Pradesh                           |                           91 |                                 10.11 |
| 2         | Assam                                    |                            1 |                                  0.08 |
| 3         | Chandigarh                               |                           35 |                                  3.51 |
| 4         | Chhattisgarh                             |                           81 |                                  3.03 |
| 5         | Dadra And Nagar Haveli and Daman and Diu |                            1 |                                  0.12 |
| 6         | Delhi                                    |                          123 |                                 17.78 |
| 7         | Gujarat                                  |                          837 |                                 87.76 |
| 8         | Haryana                                  |                           76 |                                  8.97 |
| 9         | Himachal Pradesh                         |                            1 |                                  0.1  |
| 10        | Jharkhand                                |                            4 |                                  0.5  |
| 11        | Karnataka                                |                          219 |                                  9.18 |
| 12        | Kerala                                   |                            2 |                                  0.2  |
| 13        | Madhya Pradesh                           |                          642 |                                 66.46 |
| 14        | Maharashtra                              |                         1133 |                                156.07 |
| 15        | Odisha                                   |                           16 |                                  0.38 |
| 16        | Punjab                                   |                          274 |                                 30.23 |
| 17        | Rajasthan                                |                          295 |                                 31.67 |
| 18        | Tamil Nadu                               |                          627 |                                 24.46 |
| 19        | Telangana                                |                           71 |                                  8.6  |
| 20        | Uttar Pradesh                            |                          587 |                                 53.16 |
| 21        | Uttarakhand                              |                          124 |                                  7.28 |
| 22        | West Bengal                              |                          221 |                                 27.15 |
|           | Grand Total                              |                         5461 |                                546.79 |