Lok Sabha Question No. 6284 (UNSTARRED), answered on 2026-04-02
Subject: Digital Public Infrastructure for MSMEs
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Smt. Manju Sharma

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

## LOK SABHA UNSTARRED QUESTION NO. 6284 TO BE ANSWERED ON: 02.04.2026

## DIGITAL PUBLIC INFRASTRUCTURE FOR MSMEs

## 6284. SMT. MANJU SHARMA:

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

- (a) whether the Government has taken any steps for the creation and development of Digital Public Infrastructure (DPI) for the Micro, Small and Medium Enterprises (MSMEs) sector and if so, the details thereof;
- (b) whether the Government has taken any steps to upskill the workforce of the MSME sector to assist them in adopting DPI, if so, the details thereof and if not, the reasons therefor; and
- (c) whether  the  Government  has  taken  any  steps  to  utilize  technologies  such  as  Big  Data  and Artificial Intelligence (AI) to provide easy, affordable and timely credit to the MSME sector and if so, the details thereof and if not, the reasons therefore?

## ANSWER

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

- (a): The Government has taken several steps to build and develop Digital Public Infrastructure. Most of  the  infrastructure thus developed is for common usage such as Government e-Marketplace (GeM), Unified Payments Interface (UPI) payment system for financial transactions, Digital Locker, Aadhaar, Unified Mobile Application for New-Age Governance (UMANG),  MyGov  etc., which have significantly improved digital infrastructure in the country. The Ministry of Micro, Small and Medium Enterprises (MSMEs) has built various tools and portals to run its own schemes and programmes, which inter-alia  include  single  window  online  Udyam  Registration  portal  for  MSME  registration,  MSME Champions Portal for  grievance  redressal,  MSME  Global  Mart  Portal for  marketing  support,  MSME SAMBANDH and MSME SAMADHAAN for monitoring  of  procurement  and  delayed  payment  by Central Public Sector Enterprises (CPSEs) from Micro and Small Enterprises (MSEs).
- (b): The  Government  has  taken  several  steps  to  upskill  the  MSME  workforce  to  help  them  adopt digital public infrastructure through training, skilling and conducting digital literacy drives through Skill India, Integrated Government Online Training (iGOT) Karmayogi Platform and the like. The Ministry of  MSME  has  many  schemes  such  as  Entrepreneurship  Skill  Development  Programme  (ESDP)  to provide  training  through  Tool  Rooms,  Technology  Centres,  MSME-Development  and  Facilitation Offices (MSME-DFOs)  and  Entrepreneurship Development Institutes (EDIs). Furthermore, the Government  is  helping  MSMEs  onboard  e-market  and  digital  commerce  through  Open  Network  for Digital Commerce (ONDC).
- (c): In order to improve digital services and use Big Data and Artificial Intelligence (AI) to provide easy,  affordable  and  timely  credit  to  the  MSME  sector,  various  methodologies  have  been  developed which inter-alia include Trade Receivables Discounting System (TReDS), India-AI Mission, Regulatory Sandbox  and  Account  Aggregator  Framework.  The  Reserve  Bank  of  India  (RBI)  has  created  Trade Receivables Discounting System (TReDS) platform for solving the issue of delayed payments, opened the Regulatory Sandbox to spur innovations that can fill the lending gap for MSMEs through the use of technology and data analytics, and set up the Account Aggregator (AA) framework to make sharing and aggregation of financial data possible in a secure, transparent and efficient manner.