Lok Sabha Question No. 3387 (UNSTARRED), answered on 2026-03-12
Subject: PMEGP in Districts of Punjab
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Malvinder Singh Kang

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

## LOK SABHA UNSTARRED QUESTION No. 3387 TO BE ANSWERED ON 12.03.2026

## PMEGP IN DISTRICTS OF PUNJAB

## 3387.  SHRI MALVINDER SINGH KANG:

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

- (a) the total number of applications received, sanctioned and the number of units established under the Prime Minister's Employment Generation Program (PMEGP) in the districts of Mohali, Rupnagar, Hoshiarpur and Shaheed Bhagat Singh Nagar (Nawanshahr) during the Financial Years 2024-25 and 2025-26;
- (b) the  details  of  applications  pending  for  more  than  six  months  from  the  Garhshankar,  Banga, Chamkaur  Sahib  and  Kharar  blocks,  specifically  categorizing  those  submitted  by  SC  and  women entrepreneurs;
- (c) the reasons  for  the reported  rejection rates of  food-processing  unit  applications  in  the Hoshiarpur district and the steps taken to provide technical assistance to these applicants; and
- (d) the measures being taken to streamline bank coordination to ensure that the 35% subsidy for special category applicants in semi-hilly and rural areas is disbursed without administrative delays?

## ANSWER

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

- (a): Number of applications received, sanctioned by Banks and units established under the Prime Minister's  Employment  Generation  Programme  (PMEGP)  in  the  districts  of  Mohali,  Rupnagar, Hoshiarpur and Shaheed Bhagat Singh Nagar (Nawanshahr) during FY 2024-25 and FY 2025-26 (up to 09.03.2026) is given in the Annexure I .
- (b): Number of PMEGP applications submitted by SC and women entrepreneurs during FY 2024-25 and FY 2025-26 (up to 09.03.2026) which are pending for more than six months with the financing banks  for  taking  a  credit  decision  from  Garhshankar,  Banga,  Chamkaur  Sahib  and  Kharar  blocks  is given in the Annexure II .
- (c): Under PMEGP, the final sanctioning of projects and release of loans are done by the concerned financing banks after appraising the viability of each project. Major reasons for rejection of PMEGP applications by financing banks related to food processing activities in the Hoshiarpur district include; project not economically viable, non-receipt of mandatory documents from beneficiary and beneficiary being  unable  to  complete  Bank  formalities.  Steps  taken  to  provide  technical  assistance  to  all  the PMEGP applicants including those belonging to food processing industries include:

- i. A wide range of more than 1,000 Model Detailed Project Reports have been prepared on various industries and made available on the PMEGP online portal.
- ii. A  two-day  free  online  Entrepreneurship  Development  Programme  (EDP)  for  prospective entrepreneurs.
- iii. Applicant awareness and outreach programmes with participation of Banks to identify potential beneficiaries  and  provide necessary  guidance  and  handholding support during the  application process.
4. (d): Under PMEGP, the disbursement of Margin Money (MM) subsidy into the beneficiary's loan account including special category beneficiaries is subject to fulfillment of mandatory requirements by the  beneficiary  to  avoid  administrative  delays;  these  include  submission  of  beneficiary's  own contribution of the project cost and successful completion of Entrepreneurship  Development Programme (EDP) training.

Measures being  undertaken  to  streamline  bank  coordination  ensuring  timely  disbursement  of subsidy to beneficiaries including special category applicants in semi-hilly and rural areas include the following:

- i. Top level Banker's meetings, State Level Bankers Meetings and District level Bankers Meetings held  on  a  regular  basis  to  ensure  proper  sanctioning  of  loans  and  disbursement  of  margin money.
- ii. State Level Monitoring Committee (SLMC) and District Level Monitoring Committee (DLMC) meetings  held  at  State  and  District  level  on  a  regular  basis  to  monitor  and  review  the implementation of PMEGP including performance of Banks.
- iii. Periodical review meetings by the Ministry with Implementing Agencies i.e. Khadi and Village Industries  Commission  (KVIC),  State  offices  of  KVIC,  State  Khadi  and  Village  Industries Boards (KVIBs), District Industries Centres (DICs) and financial institutions.
- iv. Regular participation of banks in applicant awareness and outreach programmes organised by KVIC.
- v. Banks have advised their respective branches to ensure time-bound appraisal and disposal of loan applications under PMEGP, particularly in tribal areas of Maharashtra State.

## ANNEXURE-I REFERRED TO IN REPLY TO PART (a) OF THE LOK SABHA UNSTARRED QUESTION NO. 3387 FOR ANSWER ON 12.03.2026.

Number  of  applications  received,  sanctioned  by  Banks  and  units  established  under  PMEGP  in  the districts of Mohali, Rupnagar, Hoshiarpur and Shaheed Bhagat Singh Nagar (Nawanshahr) during FY 2024-25 and FY 2025-26 (up to 09.03.2026):

| Financial Year             |   Sr. No. | District                               |   No. of Applications received by Banks |   No. of Applications sanctioned by Banks |   No. of units established |
|----------------------------|-----------|----------------------------------------|-----------------------------------------|-------------------------------------------|----------------------------|
| 2024-25                    |         1 | Mohali                                 |                                       0 |                                         0 |                          0 |
| 2024-25                    |         2 | Roopnagar                              |                                     169 |                                        68 |                         27 |
| 2024-25                    |         3 | Hoshiarpur                             |                                     257 |                                       107 |                         63 |
| 2024-25                    |         4 | Shahid Bhagat Singh Nagar (Nawanshahr) |                                     120 |                                        60 |                         21 |
| 2025-26 (up to 09.03.2026) |         1 | Mohali                                 |                                       0 |                                         0 |                          0 |
| 2025-26 (up to 09.03.2026) |         2 | Roopnagar                              |                                     127 |                                        54 |                         49 |
| 2025-26 (up to 09.03.2026) |         3 | Hoshiarpur                             |                                     170 |                                        68 |                         54 |
| 2025-26 (up to 09.03.2026) |         4 | Shahid Bhagat Singh Nagar (Nawanshahr) |                                      94 |                                        38 |                         37 |

## ANNEXURE-II REFERRED TO IN REPLY TO PART (b) OF THE LOK SABHA UNSTARRED QUESTION NO. 3387 FOR ANSWER ON 12.03.2026.

Number of PMEGP applications submitted by SC and women entrepreneurs during FY 2024-25 and FY 2025-26 (up to 09.03.2026) which are pending for more than six months with the financing banks for taking a credit decision from Garhshankar, Banga, Chamkaur Sahib and Kharar blocks:

|   Sr. No. | Block          |   SC entrepreneurs |   Women entrepreneurs |
|-----------|----------------|--------------------|-----------------------|
|         1 | Garhshankar    |                  4 |                     3 |
|         2 | Banga          |                  3 |                     1 |
|         3 | Chamkaur Sahib |                  0 |                     1 |
|         4 | Kharar         |                  3 |                     8 |