Lok Sabha Question No. 3182 (UNSTARRED), answered on 2015-08-07
Subject: Loan to MSMEs
Ministry: FINANCE
Asked by: DIPSINH SHANKARSINH RATHOD, GOPAL CHINAYYA SHETTY, ABHISHEK BANERJEE, B. SREERAMULU, RAVINDRA VISHWANATH GAIKWAD, ADHIR RANJAN CHOWDHURY

**Government of India**

**Ministry of Finance**

**Department of Financial Services**

**-----**

**LOK SABHA**

**UNSTARRED QUESTION NO.3182**

**TO BE ANSWERED ON 7** **TH** **AUGUST 2015/SHRAVANA 16, 1937(SAKA)**

**“LOAN TO MSMEs”**

**QUESTION**

**3182:  SHRI D.S. RATHOD:**

**SHRI GOPAL SHETTY:**

**SHRI ABHISHEK BANERJEE:**

**SHRI B. SRIRAMULU:**

**PROF. RAVINDRA VISHWANATH GAIKWAD:**

**SHRI ADHIR RANJAN CHOWDHURY:**

Will the Minister of FINANCE be pleased to state:

1. whether the Government has fixed any target for granting loan to Micro, Small and Medium Enterprises (MSMEs);

1. if so, the details thereof along with the quantum of loan disbursed by the banks during the last three years and current year, State/UT-wise;
2. whether the Reserve Bank of India (RBI) guidelines which seek to qualify any business loan for restructuring to be classified as Non Performing Assets (NPA) have an adverse impact on MSMEs and if so, the details thereof;
3. whether the public sector banks/financial institutions provide loan to sick industries and if so, the details thereof; and
4. the steps taken/being taken by the Government to increase credit flow to MSMEs?

**ANSWER**

MINISTER OF STATE IN THE MINISTRY OF FINANCE

**(SHRI JAYANT SINHA)**

**(a) & (b):** In terms of the recommendations of the Prime Minister’s Task Force on Micro, Small and Medium Enterprises (MSMEs) constituted by the Government of India, all Scheduled Commercial Banks (SCBs) have been advised to:

i. Achieve a 20 per cent year-on-year growth in credit to Micro and Small  Enterprises 	(MSEs);

ii. Allocate 60% of the MSE advances to the micro enterprises and

iii. Achieve a 10% annual growth in number of micro enterprise accounts.

The Priority Sector Guidelines have been revised in April 2015 wherein a target of 7.5 percent of ANBC or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, is set for lending to MSEs to be achieved in a phased manner i.e. 7 percent by March 2016 and 7.5 percent by March 2017.

The state-wise data on outstanding credit to MSEs & Medium Enterprises is at Annexure.

**(c) :** The Reserve Bank of India (RBI) regulations on classification of problem accounts as Non Performing Assets (NPA) are aimed at ensuring that the banks’ financial statements reflect their true and fair position. The accounts classified as ‘standard assets’ are immediately re-classified as ‘sub-standard assets’ upon restructuring with effect from 1 st April 2015. The account is upgraded to standard category after there is an evidence of the restructuring package having been implemented successfully for the prescribed time. The aforesaid regulation of RBI does not impact the borrowing unit adversely; rather the unit gets financial concessions from the bank under the restructuring package which are intended to help it turn around.

**(d) :** RBI has not issued any specific instructions with regard to disbursal of loans to Sick Industries since the management of loan sanctioning / recovery activity, in a bank is essentially an internal management function and each bank’s Board is authorized to frame suitable policies.  Banks have been advised to prepare a well-defined loan policy approved by their Board of Directors which should lay down exposure limits to individual/group borrowers, documentation standards, margin, security, sectoral exposure limits, delegation of powers, maturity and pricing policies, factors taken into consideration for deciding interest rates etc.

**(e) :** RBI and Government of India have, inter-alia, taken the following measures to make bank credit more accessible to MSMEs:

1. Scheduled Commercial Banks not to accept collateral security in the case of loans upto Rs.10 lakh extended to units in the Micro and Small Enterprises (MSEs) Sector.
2. Further, banks may, on the basis of good track record of the units, and the financial position of the units, increase the limit of dispensation of collateral requirement for loans to Rs. 25 lakh.
3. Any collateral/ third party guarantee free credit facility (both fund as well as non fund based) extended by Member Lending Institutions (MLIs) of Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), to new as well as existing MSEs, with a maximum credit cap of Rs.1 crore are covered under Credit Guarantee Fund Scheme operated by CGTMSE.
4. Government of India had set up Small Industrial Development Bank of India (SIDBI) for the promotion, financing and development of industry in the MSME sector and to co-ordinate the functions of the institutions engaged thereof. SIDBI provides refinance support to eligible Primary Lending Institutions (PLIs), such as, banks, State Financial Corporations(SFCs) for onward lending to Micro and Small Enterprises (MSEs).
5. To speed up the process of sanctioning loan to MSMEs, RBI and Government have taken various measures which inter-alia include:

- Electronic tracking of MSE loan applications.
- Banks to adopt IBA approved Common Application Form for loans upto Rs. 25 lakhs.
- PSBs have been advised to operationalise at least one specialized MSE branch in every district and centre having a cluster of MSE enterprises.
- Simplified method of computation of working capital.
- Mandatory acknowledgement of all loan applications and ensuring a running serial number to be recorded on the application from as well as on the acknowledgement receipt.
- Banks are encouraged to start Central Registration of loan applications.

vi)	Government of India has set up a Micro Units Development & Refinance Agency (MUDRA) Ltd. which would be responsible for refinancing all Banks, NBFCs and Micro-Finance Institutions (MFIs), which are in the business of lending to micro / small business entities engaged in manufacturing, trading and services activities upto Rs.10.00 lakh.

*********

|                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | **Annexure**                                                                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------|------------------------------------------|----|----|----|----|----|----|----|----|
| **State/UT- wise data on outstanding credit to MSE sector as reported by Public Sector Banks as on last reporting Friday of March 2012 and as on March 31, 2013 and March 31, 2014**                                                                                                                     |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | **State/UT- wise data on outstanding credit to Medium Enterprises sector as reported by Public Sector Banks as on March 31, 2013 and March 31, 2014**                                                                                                                                                    |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
|                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 | No. of A/cs in actual , Amt in thousands                                                                                                                                                                                                                                                                 | No. of A/cs in actual , Amt in thousands | No. of A/cs in actual , Amt in thousands |    |    |    |    |    |    |    |    |
| **State/Union Territories**                                                                                                                                                                                                                                                                              | **Mar 12**                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                          | **Mar 13**                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                          | **Mar 14**                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | **Region**                                                                                                                                                                                                                                                                                               | **State/Union Territories**                                                                                                                                                                                                                                                                              | **Mar 13**                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                          | **Mar 14**                               |                                          |    |    |    |    |    |    |    |    |
|                                                                                                                                                                                                                                                                                                          | **No.of Accounts**                                                                                                                                                                                                                                                                                       | **Balance O/S**                                                                                                                                                                                                                                                                                          | **No.of Accounts**                                                                                                                                                                                                                                                                                       | **Balance O/S**                                                                                                                                                                                                                                                                                          | **No.of Accounts**                                                                                                                                                                                                                                                                                       | **Balance O/S**                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | **No. of Accounts**                                                                                                                                                                                                                                                                                      | **Balance O/S**                                                                                                                                                                                                                                                                                          | **No. of Accounts**                      | **Balance O/S**                          |    |    |    |    |    |    |    |    |
| **NORTH EASTERN REGION**                                                                                                                                                                                                                                                                                 | **207286**                                                                                                                                                                                                                                                                                               | **65825670**                                                                                                                                                                                                                                                                                             | **209917**                                                                                                                                                                                                                                                                                               | **87583996**                                                                                                                                                                                                                                                                                             | **219926**                                                                                                                                                                                                                                                                                               | **103305331**                                                                                                                                                                                                                                                                                            |                                                                                                                                                                                                                                                                                                          | **North Eastern Region**                                                                                                                                                                                                                                                                                 | Arunachal Pradesh                                                                                                                                                                                                                                                                                        | 30                                                                                                                                                                                                                                                                                                       | 1813332                                                                                                                                                                                                                                                                                                  | 17                                       | 1725903                                  |    |    |    |    |    |    |    |    |
| Arunachal Pradesh                                                                                                                                                                                                                                                                                        | 7934                                                                                                                                                                                                                                                                                                     | 2450830                                                                                                                                                                                                                                                                                                  | 9858                                                                                                                                                                                                                                                                                                     | 3137364                                                                                                                                                                                                                                                                                                  | 7104                                                                                                                                                                                                                                                                                                     | 4309541                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Assam                                                                                                                                                                                                                                                                                                    | 537                                                                                                                                                                                                                                                                                                      | 11124495                                                                                                                                                                                                                                                                                                 | 283                                      | 6917157                                  |    |    |    |    |    |    |    |    |
| Assam                                                                                                                                                                                                                                                                                                    | 145039                                                                                                                                                                                                                                                                                                   | 47157403                                                                                                                                                                                                                                                                                                 | 138319                                                                                                                                                                                                                                                                                                   | 60689700                                                                                                                                                                                                                                                                                                 | 147598                                                                                                                                                                                                                                                                                                   | 69653400                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Manipur                                                                                                                                                                                                                                                                                                  | 3                                                                                                                                                                                                                                                                                                        | 14619                                                                                                                                                                                                                                                                                                    | 6                                        | 35807                                    |    |    |    |    |    |    |    |    |
| Manipur                                                                                                                                                                                                                                                                                                  | 7297                                                                                                                                                                                                                                                                                                     | 2028725                                                                                                                                                                                                                                                                                                  | 8431                                                                                                                                                                                                                                                                                                     | 2856377                                                                                                                                                                                                                                                                                                  | 10935                                                                                                                                                                                                                                                                                                    | 4733185                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Meghalaya                                                                                                                                                                                                                                                                                                | 49                                                                                                                                                                                                                                                                                                       | 1698129                                                                                                                                                                                                                                                                                                  | 29                                       | 2000344                                  |    |    |    |    |    |    |    |    |
| Meghalaya                                                                                                                                                                                                                                                                                                | 10165                                                                                                                                                                                                                                                                                                    | 3352102                                                                                                                                                                                                                                                                                                  | 12764                                                                                                                                                                                                                                                                                                    | 5460891                                                                                                                                                                                                                                                                                                  | 13724                                                                                                                                                                                                                                                                                                    | 5838160                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Mizoram                                                                                                                                                                                                                                                                                                  | 11                                                                                                                                                                                                                                                                                                       | 15569                                                                                                                                                                                                                                                                                                    | 6                                        | 7363                                     |    |    |    |    |    |    |    |    |
| Mizoram                                                                                                                                                                                                                                                                                                  | 4072                                                                                                                                                                                                                                                                                                     | 1500235                                                                                                                                                                                                                                                                                                  | 4298                                                                                                                                                                                                                                                                                                     | 2280218                                                                                                                                                                                                                                                                                                  | 4663                                                                                                                                                                                                                                                                                                     | 2589066                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Nagaland                                                                                                                                                                                                                                                                                                 | 10                                                                                                                                                                                                                                                                                                       | 376091                                                                                                                                                                                                                                                                                                   | 60                                       | 2015449                                  |    |    |    |    |    |    |    |    |
| Nagaland                                                                                                                                                                                                                                                                                                 | 7740                                                                                                                                                                                                                                                                                                     | 2928348                                                                                                                                                                                                                                                                                                  | 12394                                                                                                                                                                                                                                                                                                    | 4287088                                                                                                                                                                                                                                                                                                  | 10006                                                                                                                                                                                                                                                                                                    | 3640225                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Tripura                                                                                                                                                                                                                                                                                                  | 50                                                                                                                                                                                                                                                                                                       | 293579                                                                                                                                                                                                                                                                                                   | 37                                       | 390524                                   |    |    |    |    |    |    |    |    |
| Tripura                                                                                                                                                                                                                                                                                                  | 25039                                                                                                                                                                                                                                                                                                    | 6408027                                                                                                                                                                                                                                                                                                  | 23853                                                                                                                                                                                                                                                                                                    | 8872358                                                                                                                                                                                                                                                                                                  | 25896                                                                                                                                                                                                                                                                                                    | 12541754                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          | **Eastern Region**                                                                                                                                                                                                                                                                                       | Andamans                                                                                                                                                                                                                                                                                                 | 16                                                                                                                                                                                                                                                                                                       | 135404                                                                                                                                                                                                                                                                                                   | 44                                       | 6848601                                  |    |    |    |    |    |    |    |    |
| **EASTERN REGION**                                                                                                                                                                                                                                                                                       | **1452696**                                                                                                                                                                                                                                                                                              | **508641892**                                                                                                                                                                                                                                                                                            | **1445682**                                                                                                                                                                                                                                                                                              | **605404053**                                                                                                                                                                                                                                                                                            | **1489780**                                                                                                                                                                                                                                                                                              | **751251958**                                                                                                                                                                                                                                                                                            |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Bihar                                                                                                                                                                                                                                                                                                    | 801                                                                                                                                                                                                                                                                                                      | 10558987                                                                                                                                                                                                                                                                                                 | 461                                      | 9355341                                  |    |    |    |    |    |    |    |    |
| Andaman& Nicobar                                                                                                                                                                                                                                                                                         | 5581                                                                                                                                                                                                                                                                                                     | 2628069                                                                                                                                                                                                                                                                                                  | 7616                                                                                                                                                                                                                                                                                                     | 3393666                                                                                                                                                                                                                                                                                                  | 8549                                                                                                                                                                                                                                                                                                     | 3736952                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Jharkhand                                                                                                                                                                                                                                                                                                | 774                                                                                                                                                                                                                                                                                                      | 19613346                                                                                                                                                                                                                                                                                                 | 470                                      | 17793389                                 |    |    |    |    |    |    |    |    |
| Bihar                                                                                                                                                                                                                                                                                                    | 383597                                                                                                                                                                                                                                                                                                   | 67672059                                                                                                                                                                                                                                                                                                 | 391306                                                                                                                                                                                                                                                                                                   | 83426418                                                                                                                                                                                                                                                                                                 | 375455                                                                                                                                                                                                                                                                                                   | 108768855                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Orissa                                                                                                                                                                                                                                                                                                   | 6677                                                                                                                                                                                                                                                                                                     | 20654742                                                                                                                                                                                                                                                                                                 | 806                                      | 27229908                                 |    |    |    |    |    |    |    |    |
| Jharkhand                                                                                                                                                                                                                                                                                                | 184772                                                                                                                                                                                                                                                                                                   | 68075585                                                                                                                                                                                                                                                                                                 | 181198                                                                                                                                                                                                                                                                                                   | 83986758                                                                                                                                                                                                                                                                                                 | 176651                                                                                                                                                                                                                                                                                                   | 95758194                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Sikkim                                                                                                                                                                                                                                                                                                   | 17                                                                                                                                                                                                                                                                                                       | 300491                                                                                                                                                                                                                                                                                                   | 26                                       | 373669                                   |    |    |    |    |    |    |    |    |
| Orissa                                                                                                                                                                                                                                                                                                   | 347470                                                                                                                                                                                                                                                                                                   | 96435735                                                                                                                                                                                                                                                                                                 | 345078                                                                                                                                                                                                                                                                                                   | 107641591                                                                                                                                                                                                                                                                                                | 372042                                                                                                                                                                                                                                                                                                   | 126141763                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | West Bengal                                                                                                                                                                                                                                                                                              | 3249                                                                                                                                                                                                                                                                                                     | 92397037                                                                                                                                                                                                                                                                                                 | 2492                                     | 99859098                                 |    |    |    |    |    |    |    |    |
| Sikkim                                                                                                                                                                                                                                                                                                   | 3271                                                                                                                                                                                                                                                                                                     | 2723136                                                                                                                                                                                                                                                                                                  | 3380                                                                                                                                                                                                                                                                                                     | 2478798                                                                                                                                                                                                                                                                                                  | 3782                                                                                                                                                                                                                                                                                                     | 2634755                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
| West Bengal                                                                                                                                                                                                                                                                                              | 528005                                                                                                                                                                                                                                                                                                   | 271107308                                                                                                                                                                                                                                                                                                | 517104                                                                                                                                                                                                                                                                                                   | 324476821                                                                                                                                                                                                                                                                                                | 553301                                                                                                                                                                                                                                                                                                   | 414211439                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          | **Central Region**                                                                                                                                                                                                                                                                                       | Chattisgarh                                                                                                                                                                                                                                                                                              | 551                                                                                                                                                                                                                                                                                                      | 19520971                                                                                                                                                                                                                                                                                                 | 402                                      | 13620729                                 |    |    |    |    |    |    |    |    |
| **CENTRAL REGION**                                                                                                                                                                                                                                                                                       | **1313101**                                                                                                                                                                                                                                                                                              | **511357604**                                                                                                                                                                                                                                                                                            | **1207170**                                                                                                                                                                                                                                                                                              | **682738637**                                                                                                                                                                                                                                                                                            | **1325874**                                                                                                                                                                                                                                                                                              | **857803615**                                                                                                                                                                                                                                                                                            |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Madhya Pradesh                                                                                                                                                                                                                                                                                           | 2418                                                                                                                                                                                                                                                                                                     | 34999167                                                                                                                                                                                                                                                                                                 | 1499                                     | 26786387                                 |    |    |    |    |    |    |    |    |
| Chattisgarh                                                                                                                                                                                                                                                                                              | 120355                                                                                                                                                                                                                                                                                                   | 56757174                                                                                                                                                                                                                                                                                                 | 108946                                                                                                                                                                                                                                                                                                   | 79856361                                                                                                                                                                                                                                                                                                 | 110084                                                                                                                                                                                                                                                                                                   | 100619665                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Uttarakhand                                                                                                                                                                                                                                                                                              | 603                                                                                                                                                                                                                                                                                                      | 11073422                                                                                                                                                                                                                                                                                                 | 527                                      | 16807609                                 |    |    |    |    |    |    |    |    |
| Madhya Pradesh                                                                                                                                                                                                                                                                                           | 361673                                                                                                                                                                                                                                                                                                   | 111294201                                                                                                                                                                                                                                                                                                | 354028                                                                                                                                                                                                                                                                                                   | 157558671                                                                                                                                                                                                                                                                                                | 379313                                                                                                                                                                                                                                                                                                   | 206071401                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Uttar Pradesh                                                                                                                                                                                                                                                                                            | 2800                                                                                                                                                                                                                                                                                                     | 62377024                                                                                                                                                                                                                                                                                                 | 2136                                     | 48943252                                 |    |    |    |    |    |    |    |    |
| Uttar Pradesh                                                                                                                                                                                                                                                                                            | 737910                                                                                                                                                                                                                                                                                                   | 296629609                                                                                                                                                                                                                                                                                                | 658895                                                                                                                                                                                                                                                                                                   | 375411580                                                                                                                                                                                                                                                                                                | 652699                                                                                                                                                                                                                                                                                                   | 435055391                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          | **Northern Region**                                                                                                                                                                                                                                                                                      | Chandigarh                                                                                                                                                                                                                                                                                               | 793                                                                                                                                                                                                                                                                                                      | 42772764                                                                                                                                                                                                                                                                                                 | 618                                      | 30473153                                 |    |    |    |    |    |    |    |    |
| Uttarakhand                                                                                                                                                                                                                                                                                              | 93163                                                                                                                                                                                                                                                                                                    | 46676620                                                                                                                                                                                                                                                                                                 | 85301                                                                                                                                                                                                                                                                                                    | 69912024                                                                                                                                                                                                                                                                                                 | 183778                                                                                                                                                                                                                                                                                                   | 116057158                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Delhi                                                                                                                                                                                                                                                                                                    | 5702                                                                                                                                                                                                                                                                                                     | 159528243                                                                                                                                                                                                                                                                                                | 4269                                     | 159721702                                |    |    |    |    |    |    |    |    |
| **NORTHERN REGION**                                                                                                                                                                                                                                                                                      | **921648**                                                                                                                                                                                                                                                                                               | **870959336**                                                                                                                                                                                                                                                                                            | **1011456**                                                                                                                                                                                                                                                                                              | **1.198E+09**                                                                                                                                                                                                                                                                                            | **1086722**                                                                                                                                                                                                                                                                                              | **1468179926**                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Haryana                                                                                                                                                                                                                                                                                                  | 2075                                                                                                                                                                                                                                                                                                     | 37379155                                                                                                                                                                                                                                                                                                 | 1823                                     | 39996802                                 |    |    |    |    |    |    |    |    |
| Chandigarh                                                                                                                                                                                                                                                                                               | 16969                                                                                                                                                                                                                                                                                                    | 37878054                                                                                                                                                                                                                                                                                                 | 15236                                                                                                                                                                                                                                                                                                    | 53599601                                                                                                                                                                                                                                                                                                 | 19256                                                                                                                                                                                                                                                                                                    | 62777341                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Himachal Pradesh                                                                                                                                                                                                                                                                                         | 254                                                                                                                                                                                                                                                                                                      | 7084568                                                                                                                                                                                                                                                                                                  | 162                                      | 4368944                                  |    |    |    |    |    |    |    |    |
| Delhi                                                                                                                                                                                                                                                                                                    | 92392                                                                                                                                                                                                                                                                                                    | 273591942                                                                                                                                                                                                                                                                                                | 112430                                                                                                                                                                                                                                                                                                   | 362915904                                                                                                                                                                                                                                                                                                | 126667                                                                                                                                                                                                                                                                                                   | 467809901                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Jammu & Kashmir                                                                                                                                                                                                                                                                                          | 95                                                                                                                                                                                                                                                                                                       | 1835746                                                                                                                                                                                                                                                                                                  | 42                                       | 1600672                                  |    |    |    |    |    |    |    |    |
| Haryana                                                                                                                                                                                                                                                                                                  | 164755                                                                                                                                                                                                                                                                                                   | 138796947                                                                                                                                                                                                                                                                                                | 195277                                                                                                                                                                                                                                                                                                   | 199843140                                                                                                                                                                                                                                                                                                | 188901                                                                                                                                                                                                                                                                                                   | 248974352                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Punjab                                                                                                                                                                                                                                                                                                   | 1890                                                                                                                                                                                                                                                                                                     | 42773493                                                                                                                                                                                                                                                                                                 | 1747                                     | 50354474                                 |    |    |    |    |    |    |    |    |
| Himachal Pradesh                                                                                                                                                                                                                                                                                         | 76322                                                                                                                                                                                                                                                                                                    | 41313182                                                                                                                                                                                                                                                                                                 | 88200                                                                                                                                                                                                                                                                                                    | 48158833                                                                                                                                                                                                                                                                                                 | 82638                                                                                                                                                                                                                                                                                                    | 52311883                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Rajasthan                                                                                                                                                                                                                                                                                                | 1524                                                                                                                                                                                                                                                                                                     | 60047821                                                                                                                                                                                                                                                                                                 | 1287                                     | 48098112                                 |    |    |    |    |    |    |    |    |
| Jammu & Kashmir                                                                                                                                                                                                                                                                                          | 33141                                                                                                                                                                                                                                                                                                    | 16342021                                                                                                                                                                                                                                                                                                 | 32878                                                                                                                                                                                                                                                                                                    | 19108389                                                                                                                                                                                                                                                                                                 | 35609                                                                                                                                                                                                                                                                                                    | 19675438                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          | **Western Region**                                                                                                                                                                                                                                                                                       | Dadra & Nagar Haveli                                                                                                                                                                                                                                                                                     | 7                                                                                                                                                                                                                                                                                                        | 36080                                                                                                                                                                                                                                                                                                    | 10                                       | 269197                                   |    |    |    |    |    |    |    |    |
| Punjab                                                                                                                                                                                                                                                                                                   | 217300                                                                                                                                                                                                                                                                                                   | 221314574                                                                                                                                                                                                                                                                                                | 232105                                                                                                                                                                                                                                                                                                   | 302820892                                                                                                                                                                                                                                                                                                | 264638                                                                                                                                                                                                                                                                                                   | 352441413                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Daman & Diu                                                                                                                                                                                                                                                                                              | 2                                                                                                                                                                                                                                                                                                        | 36227                                                                                                                                                                                                                                                                                                    | 13                                       | 149063                                   |    |    |    |    |    |    |    |    |
| Rajasthan                                                                                                                                                                                                                                                                                                | 320769                                                                                                                                                                                                                                                                                                   | 141722616                                                                                                                                                                                                                                                                                                | 335330                                                                                                                                                                                                                                                                                                   | 211976450                                                                                                                                                                                                                                                                                                | 369013                                                                                                                                                                                                                                                                                                   | 264189598                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Goa                                                                                                                                                                                                                                                                                                      | 410                                                                                                                                                                                                                                                                                                      | 6227385                                                                                                                                                                                                                                                                                                  | 443                                      | 5924002                                  |    |    |    |    |    |    |    |    |
| **WESTERN REGION**                                                                                                                                                                                                                                                                                       | **954961**                                                                                                                                                                                                                                                                                               | **995590173**                                                                                                                                                                                                                                                                                            | **988141**                                                                                                                                                                                                                                                                                               | **1.221E+09**                                                                                                                                                                                                                                                                                            | **1062378**                                                                                                                                                                                                                                                                                              | **1499106279**                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Gujarat                                                                                                                                                                                                                                                                                                  | 3578                                                                                                                                                                                                                                                                                                     | 104301354                                                                                                                                                                                                                                                                                                | 3411                                     | 101469790                                |    |    |    |    |    |    |    |    |
| Dadra & Nagar Haveli                                                                                                                                                                                                                                                                                     | 917                                                                                                                                                                                                                                                                                                      | 1398344                                                                                                                                                                                                                                                                                                  | 1055                                                                                                                                                                                                                                                                                                     | 1499878                                                                                                                                                                                                                                                                                                  | 1388                                                                                                                                                                                                                                                                                                     | 2161554                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Maharashtra                                                                                                                                                                                                                                                                                              | 20572                                                                                                                                                                                                                                                                                                    | 309675859                                                                                                                                                                                                                                                                                                | 9990                                     | 313773803                                |    |    |    |    |    |    |    |    |
| Daman &Diu                                                                                                                                                                                                                                                                                               | 666                                                                                                                                                                                                                                                                                                      | 1448138                                                                                                                                                                                                                                                                                                  | 742                                                                                                                                                                                                                                                                                                      | 2123577                                                                                                                                                                                                                                                                                                  | 1042                                                                                                                                                                                                                                                                                                     | 2781991                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                          | **Southern Region**                                                                                                                                                                                                                                                                                      | Andhra Pradesh                                                                                                                                                                                                                                                                                           | 4284                                                                                                                                                                                                                                                                                                     | 100818853                                                                                                                                                                                                                                                                                                | 2850                                     | 85045841                                 |    |    |    |    |    |    |    |    |
| Goa                                                                                                                                                                                                                                                                                                      | 31297                                                                                                                                                                                                                                                                                                    | 18364247                                                                                                                                                                                                                                                                                                 | 34145                                                                                                                                                                                                                                                                                                    | 22667597                                                                                                                                                                                                                                                                                                 | 38643                                                                                                                                                                                                                                                                                                    | 26784412                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Karnataka                                                                                                                                                                                                                                                                                                | 4838                                                                                                                                                                                                                                                                                                     | 81049842                                                                                                                                                                                                                                                                                                 | 2853                                     | 95173997                                 |    |    |    |    |    |    |    |    |
| Gujarat                                                                                                                                                                                                                                                                                                  | 360274                                                                                                                                                                                                                                                                                                   | 260641765                                                                                                                                                                                                                                                                                                | 327034                                                                                                                                                                                                                                                                                                   | 340884450                                                                                                                                                                                                                                                                                                | 349057                                                                                                                                                                                                                                                                                                   | 444938377                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Kerala                                                                                                                                                                                                                                                                                                   | 4847                                                                                                                                                                                                                                                                                                     | 42478643                                                                                                                                                                                                                                                                                                 | 1949                                     | 36616520                                 |    |    |    |    |    |    |    |    |
| Maharashtra                                                                                                                                                                                                                                                                                              | 561807                                                                                                                                                                                                                                                                                                   | 713737679                                                                                                                                                                                                                                                                                                | 625165                                                                                                                                                                                                                                                                                                   | 853768295                                                                                                                                                                                                                                                                                                | 672248                                                                                                                                                                                                                                                                                                   | 1022439945                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Lakshadweep                                                                                                                                                                                                                                                                                              | 0                                                                                                                                                                                                                                                                                                        | 0                                                                                                                                                                                                                                                                                                        | 0                                        | 0                                        |    |    |    |    |    |    |    |    |
| **SOUTHERN REGION**                                                                                                                                                                                                                                                                                      | **2279499**                                                                                                                                                                                                                                                                                              | **1.018E+09**                                                                                                                                                                                                                                                                                            | **2684746**                                                                                                                                                                                                                                                                                              | **1.229E+09**                                                                                                                                                                                                                                                                                            | **3261093**                                                                                                                                                                                                                                                                                              | **1521738121**                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Puducherry                                                                                                                                                                                                                                                                                               | 166                                                                                                                                                                                                                                                                                                      | 3168419                                                                                                                                                                                                                                                                                                  | 57                                       | 1198280                                  |    |    |    |    |    |    |    |    |
| Andhra Pradesh                                                                                                                                                                                                                                                                                           | 649999                                                                                                                                                                                                                                                                                                   | 294580900                                                                                                                                                                                                                                                                                                | 810405                                                                                                                                                                                                                                                                                                   | 364577376                                                                                                                                                                                                                                                                                                | 993137                                                                                                                                                                                                                                                                                                   | 432878949                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | Tamil Nadu                                                                                                                                                                                                                                                                                               | 7505                                                                                                                                                                                                                                                                                                     | 124478498                                                                                                                                                                                                                                                                                                | 5199                                     | 127449591                                |    |    |    |    |    |    |    |    |
| Karnataka                                                                                                                                                                                                                                                                                                | 516809                                                                                                                                                                                                                                                                                                   | 210477186                                                                                                                                                                                                                                                                                                | 554262                                                                                                                                                                                                                                                                                                   | 257044003                                                                                                                                                                                                                                                                                                | 609234                                                                                                                                                                                                                                                                                                   | 348054610                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          | **Total**                                                                                                                                                                                                                                                                                                | 77138                                                                                                                                                                                                                                                                                                    | 1410659354                                                                                                                                                                                                                                                                                               | 46024                                    | 1382394473                               |    |    |    |    |    |    |    |    |
| Kerala                                                                                                                                                                                                                                                                                                   | 353576                                                                                                                                                                                                                                                                                                   | 134658336                                                                                                                                                                                                                                                                                                | 349730                                                                                                                                                                                                                                                                                                   | 141605629                                                                                                                                                                                                                                                                                                | 359642                                                                                                                                                                                                                                                                                                   | 163345405                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
| Lakshadweep                                                                                                                                                                                                                                                                                              | 813                                                                                                                                                                                                                                                                                                      | 75069                                                                                                                                                                                                                                                                                                    | 876                                                                                                                                                                                                                                                                                                      | 95120                                                                                                                                                                                                                                                                                                    | 894                                                                                                                                                                                                                                                                                                      | 96641                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
| Pondicherry                                                                                                                                                                                                                                                                                              | 19753                                                                                                                                                                                                                                                                                                    | 5347906                                                                                                                                                                                                                                                                                                  | 27166                                                                                                                                                                                                                                                                                                    | 10336554                                                                                                                                                                                                                                                                                                 | 35544                                                                                                                                                                                                                                                                                                    | 13531587                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
| Tamilnadu                                                                                                                                                                                                                                                                                                | 738549                                                                                                                                                                                                                                                                                                   | 372419539                                                                                                                                                                                                                                                                                                | 942307                                                                                                                                                                                                                                                                                                   | 455838554                                                                                                                                                                                                                                                                                                | 1262642                                                                                                                                                                                                                                                                                                  | 563830929                                                                                                                                                                                                                                                                                                |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
| **All India**                                                                                                                                                                                                                                                                                            | **7129191**                                                                                                                                                                                                                                                                                              | **3.97E+09**                                                                                                                                                                                                                                                                                             | **7547112**                                                                                                                                                                                                                                                                                              | **5.025E+09**                                                                                                                                                                                                                                                                                            | **8445773**                                                                                                                                                                                                                                                                                              | **6201385230**                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
|                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                          |                                          |                                          |    |    |    |    |    |    |    |    |
| NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. | NOTE: Reserve Bank of India (RBI) started collating state-wise data on outstanding credit to Medium Enterprises from the year ended March 31, 2013. Hence, the data on credit to Medium Enterprises up to  ended March 31, 2013 and March 2014. The state-wise data for March 2015 is under compilation. |                                          |                                          |    |    |    |    |    |    |    |    |