New Delhi, Dec 16, 2014:The aims and objectives of Credit Linked Capital Subsidy Scheme (CLCSS) are to facilitate technology upgradation of Micro and Small Enterprises (MSEs) by providing 15% capital subsidy (limited to maximum Rs.15.00 lakhs) for purchase of Plant & Machinery. The aims and objectives of Credit Guarantee Fund Trust are to give impetus to the young entrepreneurs in the micro and small industries by making available guarantee for collateral free credit facility (term loan and/ or working capital) extended by eligible lending institutions to new and existing micro and small enterprises.
As per the data compiled by the Reserve Bank of India (RBI) from the scheduled commercial banks, credit flow to MSMEs in the country at the end of March, 2011; March, 2012; March, 2013 and March, 2014 (latest available) is as under:
|
Banks |
(Amount in crores)
Scheduled Commercial Banks |
|||
| As at the end of March, 2011 | As at the end of March, 2012 | As at the end of March, 2013
|
As at the end of March, 2014
(P) |
|
| Outstanding credit to MSEs | 486016.67 | 528616.83
(8.77) |
687208.74
(30.00) |
846134.80
(23.13) |
| Outstanding credit to Medium Enterprises | 129027.48 | 153621.08
(19.06) |
181815.40
(18.35) |
188641.19
(3.75) |
| Outstanding credit to MSMEs | 615044.15 | 682237.91
(10.93) |
869024.14
(27.38) |
1034775.99
(19.07) |
Source: RBI P: Provisional () Figures in parentheses indicate y-o-y growth.
A proposal for upward revision of ceiling of eligible subsidy under CLCSS (which is at present 15% of the term loan with maximum limit of Rs.15.00 Lakh) is under consideration. The amount of subsidy provided under CLCSS during last three years and current year, State/UT-wise is at Annex-C. No subsidy is provided under Credit Guarantee Fund Scheme for micro and small enterprises.
The Reserve Bank of India (RBI) has issued detailed guidelines to all scheduled commercial banks on lending to the MSME sector which, inter alia, provide for a time frame for disposal of loan applications, loan limit for dispensing the collateral requirement and sub-targets for micro enterprises within the micro and small enterprise (MSE) lending. In terms of the recommendations of the Task Force on MSMEs under the chairmanship of the Principal Secretary to the Prime Minister, the RBI has advised the banks to achieve a 20 per cent year-on-year growth in credit to micro and small enterprises and a 10 per cent annual growth in the number of micro enterprise accounts. The banks have also been advised that the allocation of 60 per cent of the MSE advances to the micro enterprises is to be achieved. Further, the Government is implementing various schemes namely, Credit Guarantee Scheme, Credit Linked Capital Subsidy Scheme, Performance and Credit Rating Scheme, etc. to facilitate credit flow to the MSE sector.
|
Outstanding credit to MSE sector as reported by Scheduled Commercial Banks |
||||||||
| as on March, 2011, 2012 and 2013 | ||||||||
|
(Amount in Thousands) |
||||||||
|
Sl. No. |
States/UTs |
Mar/11 |
Mar/12 |
Mar/13 |
||||
|
Balance O/S |
Balance O/S |
Balance O/S |
||||||
|
1 |
Arunachal Pradesh |
1797606 |
2592117 |
3348456 |
||||
|
2 |
Andaman& Nicobar |
2126499 |
2646065 |
3493316 |
||||
|
3 |
Andhra Pradesh |
290570528 |
381286265 |
474767028.7 |
||||
|
4 |
Assam |
37538357 |
52913153 |
70772499.12 |
||||
|
5 |
Bihar |
43848939 |
72732191 |
89140132.48 |
||||
|
6 |
Chandigarh |
43428748 |
45310604 |
63981735.3 |
||||
|
7 |
Chattisgarh |
56416921 |
69698314 |
96340309.46 |
||||
|
8 |
Dadra & Nagar Haveli |
1149330 |
1564394 |
1894093.626 |
||||
|
9 |
Daman &Diu |
1759899 |
1636084 |
2370275.768 |
||||
|
10 |
Delhi |
368773365 |
421592701 |
549419397.2 |
||||
|
11 |
Goa |
22226406 |
21781918 |
26241966.02 |
||||
|
12 |
Gujarat |
322636439 |
347330031 |
474946927.8 |
||||
|
13 |
Haryana |
142883578 |
168533371 |
244682902.2 |
||||
|
14 |
Himachal Pradesh |
40844407 |
43219782 |
50494785.1 |
||||
|
15 |
Jammu & Kashmir |
44570632 |
57258101 |
66976013.74 |
||||
|
16 |
Jharkhand |
72087239 |
76294492 |
96315813 |
||||
|
17 |
Karnataka |
264318729 |
275628811 |
349207360.6 |
||||
|
18 |
Kerala |
144543612 |
192980680 |
231411300.6 |
||||
|
19 |
Lakshadweep |
4521052 |
75069 |
95120 |
||||
|
20 |
Madhya Pradesh |
108093564 |
137036765 |
198190565.7 |
||||
|
21 |
Maharashtra |
1083875953 |
1006192501 |
1277025420 |
||||
|
22 |
Manipur |
1176565 |
2056110 |
2999337 |
||||
|
23 |
Meghalaya |
4197846 |
3663002 |
5816183.29 |
||||
|
24 |
Mizoram |
1339089 |
1507846 |
2485621 |
||||
|
25 |
Nagaland |
1714544 |
3084142 |
4617201 |
||||
|
26 |
Orissa |
96982925 |
112802687 |
123853123.7 |
||||
|
27 |
Pondicherry |
5322801 |
7544568 |
13955700.24 |
||||
|
28 |
Punjab |
214648597 |
251453358 |
349347992.2 |
||||
|
29 |
Rajasthan |
155781798 |
191284456 |
283629211.6 |
||||
|
30 |
Sikkim |
2277853 |
4221937 |
3043960.45 |
||||
|
31 |
Tamilnadu |
570899598 |
605777487 |
799920166.2 |
||||
|
32 |
Tripura |
3575873 |
6488753 |
9470419 |
||||
|
33 |
Uttar Pradesh |
274181222 |
333234512 |
429307202.2 |
||||
|
34 |
Uttarakhand |
39904111 |
50543661 |
75683221.14 |
||||
|
35 |
West Bengal |
315257372 |
324879914 |
396842679.9 |
||||
|
Outstanding credit to Medium Enterprises sector as reported by Scheduled Commercial Banks as on March 31, 2013 |
||||||||
|
(Amount in thousands) |
||||||||
|
Sl. No |
State/Union Territories |
Mar/13 |
||||||
|
Balance O/S |
||||||||
|
1 |
Arunachal Pradesh |
1841893 |
||||||
|
2 |
Andamans |
136981 |
||||||
|
3 |
Andhra Pradesh |
148136992 |
||||||
|
4 |
Assam |
12856634 |
||||||
|
5 |
Bihar |
11007426 |
||||||
|
6 |
Chandigarh |
44480568 |
||||||
|
7 |
Chattisgarh |
23370278 |
||||||
|
8 |
Dadra & Nagar Haveli |
118294 |
||||||
|
9 |
Daman & Diu |
38131 |
||||||
|
10 |
Delhi |
229779660 |
||||||
|
11 |
Goa |
7213287 |
||||||
|
12 |
Gujarat |
119116882 |
||||||
|
13 |
Haryana |
47085899 |
||||||
|
14 |
Himachal Pradesh |
7311444 |
||||||
|
15 |
Jammu & Kashmir |
5422395 |
||||||
|
16 |
Jharkhand |
21691421 |
||||||
|
17 |
Karnataka |
106932337 |
||||||
|
18 |
Kerala |
54751796 |
||||||
|
19 |
Lakshadweep |
0 |
||||||
|
20 |
Madhya Pradesh |
38960816 |
||||||
|
21 |
Maharashtra |
420158295 |
||||||
|
22 |
Manipur |
19676 |
||||||
|
23 |
Meghalaya |
1728057 |
||||||
|
24 |
Mizoram |
65980 |
||||||
|
25 |
Nagaland |
427561 |
||||||
|
26 |
Orissa |
23589723 |
||||||
|
27 |
Puducherry |
3587229 |
||||||
|
28 |
Punjab |
48743089 |
||||||
|
29 |
Rajasthan |
67132817 |
||||||
|
30 |
Sikkim |
360143 |
||||||
|
31 |
Tamil Nadu |
174679767 |
||||||
|
32 |
Tripura |
293579 |
||||||
|
33 |
Uttar Pradesh |
70939276 |
||||||
|
34 |
Uttarakhand |
11386239 |
||||||
|
35 |
West Bengal |
114789579 |
||||||
Statement showing subsidy released and number of units state/UT-wise during last three years and current year under CLCSS (Rs.in lakh) |
|||||||||
| 2011-12 | 2012-13 | 2013-14 | 2014-15 (till 30.11.2014) | ||||||
| State/UT | No. of Units | Subsidy | No. of Units | Subsidy | No. of Units | Subsidy | No. of Units | Subsidy | |
|
1 |
Andhra Pradesh |
202 |
1823.683 |
175 |
1652.56 |
203 |
2194.058 |
30 |
353.9925 |
|
2 |
Andman & Nicobar |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
3 |
Arunanchal Pradesh |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
4 |
Assam |
0 |
0 |
1 |
15 |
1 |
15 |
0 |
0 |
|
5 |
Bihar |
2 |
5.56 |
1 |
3.75 |
3 |
28.10749 |
0 |
0 |
|
6 |
Chandigarh |
14 |
79.54984 |
18 |
87.55808 |
50 |
291.8748 |
6 |
40.11282 |
|
7 |
Chhatisgarh |
7 |
41.0289 |
23 |
215.8064 |
38 |
312.5344 |
5 |
41.74607 |
|
8 |
Dadra & Nagar Haveli |
2 |
30.58 |
3 |
33.11 |
4 |
20.85 |
9 |
55.64373 |
|
9 |
Daman & Diu |
2 |
25.6949 |
8 |
57.055 |
20 |
129.6335 |
12 |
64.96513 |
|
10 |
Goa |
4 |
7.72 |
3 |
21.79 |
3 |
29.34 |
0 |
0 |
|
11 |
Gujarat |
937 |
5321.594 |
2223 |
10909.16 |
2154 |
13175.27 |
652 |
4121.406 |
|
12 |
Haryana |
190 |
1750.528 |
256 |
2020.371 |
325 |
2545.29 |
119 |
772.4673 |
|
13 |
Himachal Pradesh |
1 |
2.1 |
7 |
32.76 |
3 |
36 |
5 |
51.82396 |
|
14 |
J&K |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
15 |
Jharkhand |
7 |
59.6 |
22 |
167.283 |
20 |
124.6081 |
7 |
61.80913 |
|
16 |
Karnataka |
408 |
2145.885 |
460 |
2604.161 |
438 |
2422.294 |
119 |
634.0677 |
|
17 |
Kerala |
17 |
161.5804 |
36 |
273.8327 |
31 |
242.8044 |
5 |
38.2693 |
|
18 |
Lakshdweep |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
19 |
Madhya Pradesh |
28 |
239.2301 |
36 |
290.5107 |
67 |
564.8499 |
12 |
142.128 |
|
20 |
Maharashtra |
337 |
2280.235 |
665 |
4652.047 |
1112 |
7868.012 |
200 |
1298.718 |
|
21 |
Manipur |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
22 |
Meghalaya |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
23 |
Mizoram |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
24 |
Nagaland |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
25 |
New Delhi |
43 |
344.2989 |
59 |
493.8919 |
65 |
610.5317 |
14 |
110.0711 |
|
26 |
Orissa |
27 |
184.9659 |
26 |
217.0751 |
22 |
230.8343 |
5 |
40.31196 |
|
27 |
Pudduchery |
6 |
59.29 |
4 |
14.31 |
2 |
19.81 |
0 |
0 |
|
28 |
Punjab |
305 |
2048.869 |
618 |
4095.359 |
582 |
4002.851 |
165 |
1020.938 |
|
29 |
Rajasthan |
221 |
1656.189 |
301 |
1952.3 |
452 |
3003.045 |
129 |
899.1919 |
|
30 |
Sikkim |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
31 |
Tamilnadu |
418 |
2333.688 |
655 |
3602.754 |
561 |
3181.424 |
141 |
798.6784 |
|
32 |
Telangana |
0 |
0 |
||||||
|
33 |
Tripura |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
15 |
|
34 |
Uttar Pradesh |
51 |
383.1515 |
84 |
709.8574 |
97 |
767.0271 |
49 |
276.6712 |
|
35 |
Uttarakhand |
2 |
30 |
8 |
58.438 |
5 |
53.5 |
1 |
10.81579 |
|
36 |
West Bengal |
17 |
151.2517 |
21 |
198.1707 |
21 |
279.2812 |
6 |
66.07 |
| Total |
3248 |
21166.27 |
5713 |
34378.91 |
6279 |
42148.83 |
1692 |
10914.9 |
|
This information was given by the Minister of State, Micro, Small and Medium Enterprises, Shri Giriraj Singh in a written reply to a question in Lok Sabha here today.
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