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GOVERNMENT OF INDIA
MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES
LOK SABHA
UNSTARRED QUESTION NO. 1001
TO BE ANSWERED ON 05.02.2026
ACCOUNTS UNDER CGTMSE COMPONENT
1001. SHRI BASTIPATI NAGARAJU:
Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:
(a) the details regarding the total number of accounts covered under the Credit Guarantee Fund
Trust for Micro and Small Enterprises (CGTMSE) component under the Raising and Accelerating
MSME Performance (RAMP) scheme since its inception, year, State and category-wise;
(b) the number of accounts for which guarantees were invoked, year, State and category-wise
during the last five years; and
(c) the details and the number of lending institutions registered under the said scheme, State-
wise?
ANSWER
MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES
(SUSHRI SHOBHA KARANDLAJE)
(a): Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs) is one of the
flagship schemes of the Ministry of MSME. It is implemented through the Credit Guarantee Fund
Trust for Micro and Small Enterprises (CGTMSE) to provide credit guarantees for loans extended
by Member Lending Institutions (MLIs) to MSEs without collateral security or third-party
guarantees.
The year-wise, State-wise and category-wise details of guarantees approved under the CGS
since inception are provided at Annexure-I.
(b): The year-wise, State-wise and category-wise details of guarantees invoked under the CGS
are provided at Annexure-II.
(c): A total of 277 MLIs were registered under CGTMSE across the country as on 31.03.2025.
*****Annexure-I
Annexure referred in part (a) of answer to Lok Sabha Unstarred Question no. 1001 on
“Accounts under CGTMSE Component” due for reply on 05/02/2026.
CGS- Guarantees approved
Duration No. of guarantees approved Amount of guarantees approved in Rs.
in Crore
FY 2000-01 951 6
FY 2001-02 2,296 30
FY 2002-03 5,217 62
FY 2003-04 6,603 118
FY 2004-05 9,518 327
FY 2005-06 16,284 462
FY 2006-07 27,457 705
FY 2007-08 30,285 1,056
FY 2008-09 53,708 2,199
FY 2009-10 1,51,387 6,875
FY 2010-11 2,54,000 12,589
FY 2011-12 2,43,981 13,784
FY 2012-13 2,88,537 16,062
FY 2013-14 3,48,475 18,188
FY 2014-15 4,03,422 21,275
FY 2015-16 5,13,978 19,949
FY 2016-17 4,52,127 19,931
FY 2017-18 2,63,195 19,066
FY 2018-19 4,35,520 30,169
FY 2019-20 8,46,650 45,851
FY 2020-21 8,35,592 36,899
FY 2021-22 7,17,020 56,172
FY 2022-23 11,65,786 1,04,781
FY 2023-24 17,24,073 2,02,807
FY 2024-25 27,15,275 3,05,507
Total 1,15,11,337 9,34,871Annexure-I
Annexure referred in part (a) of answer to Lok Sabha Unstarred Question no. 1001 on “Accounts
under CGTMSE Components” due for reply on 05/02/2026.
Cumulative since inception in 2000 till FY 2024-25
Sr. No. of guarantees Amount approved
States / UTs
No. approved (in Rs. Crore)
1 Andaman & Nicobar Islands 5,603 580
2 Andhra Pradesh 8,50,875 27,408
3 Arunachal Pradesh 12,645 1,248
4 Assam 2,85,825 19,403
5 Bihar 6,13,313 37,809
6 Chandigarh 40,865 4,824
7 Chhattisgarh 1,68,004 13,568
8 Dadra & Nagar Haveli & Daman & Diu 5,509 1,240
9 Delhi 2,19,934 38,446
10 Goa 40,936 3,558
11 Gujarat 5,34,214 77,627
12 Haryana 2,68,276 33,902
13 Himachal Pradesh 1,40,742 10,498
14 Jammu & Kashmir 3,12,324 11,490
15 Jharkhand 2,93,379 25,214
16 Karnataka 8,39,731 72,219
17 Kerala 5,12,891 25,517
18 Ladakh 2,154 262
19 Lakshadweep 583 19
20 Madhya Pradesh 5,68,820 43,773
21 Maharashtra 9,34,425 1,14,182
22 Manipur 17,564 947
23 Meghalaya 18,365 1,411
24 Mizoram 10,196 622
25 Nagaland 17,781 1,138
26 Odisha 4,26,365 30,448
27 Puducherry 18,052 1,124
28 Punjab 3,65,428 32,454
29 Rajasthan 5,07,031 40,495
30 Sikkim 7,414 524
31 Tamil Nadu 9,01,684 71,083
32 Telangana 3,05,924 29,827
33 Tripura 35,453 1,794
34 Uttar Pradesh 14,27,444 95,718
35 Uttarakhand 1,44,527 10,137
36 West Bengal 6,57,061 54,361
Total 1,15,11,337 9,34,871Annexure-I
Annexure referred in part (a) of answer to Lok Sabha Unstarred Question no. 1001 on “Accounts
under CGTMSE Components” due for reply on 05/02/2026.
CGS - Guarantees approved - Category-wise
Cumulative since inception in 2000 till FY 2024-25
Micro Small
No. of guarantees Amount of guaratees No. of guarantees Amount of guarantees
approved approved (in Rs. approved approved (in Rs. Crore)
Crore)
79,00,273 4,70,937 36,11,064 4,63,933Annexure-II
Annexure referred in part (b) of answer to Lok Sabha Unstarred Question no. 1001 on “Accounts under CGTMSE Component” due for
reply on 05/02/2026.
CGTMSE – Guarantees invoked
FY 2020-21 FY 2021-22 FY 2022-23 FY 2023-24 FY 2024-25
No. of Amount No. of Amount No. of Amount No. of Amount No. of Amount
Sr.
States / UTs guarantees (in Rs. guarantees (in Rs. guarantees (in Rs. guarantees (in Rs. guarantees (in Rs.
No
invoked Crore) invoked Crore) invoked Crore) invoked Crore) invoked Crore)
Andaman And Nicobar
1 Islands 5 0.14 19 0.73 26 0.44 79 2.27 47 1.53
2 Andhra Pradesh 499 18.09 3,067 49.49 7,459 69.94 7,467 74.49 11,550 136.72
3 Arunachal Pradesh 113 1.60 83 2.26 134 6.05 138 5.67 90 3.36
4 Assam 1,342 18.01 1,834 26.65 2,575 42.28 3,142 61.45 3,069 57.29
5 Bihar 1,538 33.93 2,606 49.35 3,949 68.87 5,926 117.09 5,883 115.79
6 Chandigarh 59 2.14 172 3.80 223 7.73 180 6.82 241 7.76
7 Chhattisgarh 291 4.72 1,061 17.58 1,480 30.55 2,021 41.89 2,291 43.07
8 Delhi 479 22.32 1,648 64.81 2,537 93.18 2,366 109.93 3,209 136.30
9 Goa 65 2.26 120 3.31 245 9.09 114 4.34 151 5.28
10 Gujarat 968 35.76 2,798 69.45 3,460 91.78 4,819 118.85 6,974 165.70
11 Haryana 579 20.48 1,672 42.06 2,177 58.54 3,231 78.71 4,859 122.38
12 Himachal Pradesh 324 7.61 372 8.40 482 14.89 1,199 28.29 1,043 30.59
13 Jammu And Kashmir 389 4.68 506 5.12 462 8.34 1,028 18.20 875 18.28
14 Jharkhand 1,699 45.21 2,249 63.55 2,372 58.02 3,416 82.49 3,700 90.09
15 Karnataka 3,247 84.42 5,306 120.32 8,056 180.60 7,696 199.22 8,737 220.79
16 Kerala 2,293 31.22 3,553 55.00 6,819 104.19 7,092 112.17 6,601 110.68
17 Ladakh 4 0.12 0 0.00 1 0.04 5 0.10 9 0.15
18 Lakshadweep 1 0.06 0 0.00 0 0.00 1 0.01 0 0.00
19 Madhya Pradesh 2,121 41.83 4,098 76.29 11,732 147.21 14,019 205.71 12,747 201.55
20 Maharashtra 3,904 98.89 9,129 187.82 9,614 220.59 12,101 324.34 16,135 393.32
21 Manipur 279 2.57 96 1.69 178 2.51 488 11.62 378 7.9822 Meghalaya 87 0.82 164 2.05 195 3.31 181 3.14 110 2.22
23 Mizoram 31 0.42 31 1.31 71 1.86 181 5.00 123 2.95
24 Nagaland 220 1.58 164 2.19 223 3.65 153 2.51 167 3.00
25 Odisha 1,218 21.38 2,429 41.40 2,843 60.24 5,237 97.71 5,994 90.89
26 Puducherry 33 1.30 109 2.24 152 2.41 260 5.68 342 5.69
27 Punjab 546 21.35 1,618 39.42 1,913 49.84 3,059 58.80 4,795 98.86
28 Rajasthan 550 15.58 2,183 39.40 2,909 54.22 5,769 88.18 9,967 115.36
29 Sikkim 6 0.05 12 0.09 45 0.78 57 1.21 131 2.81
30 Tamil Nadu 2,159 58.97 6,389 114.45 9,003 173.59 11,134 235.60 11,306 236.11
31 Telangana 1,005 23.34 2,873 58.88 3,381 73.66 3,093 68.70 4,945 93.28
The Dadra And Nagar
Haveli And Daman And
32 Diu 11 1.14 31 2.75 48 2.57 42 1.45 50 1.87
33 Tripura 187 1.55 95 0.98 144 1.82 267 5.45 364 4.64
34 Uttar Pradesh 4,297 94.63 7,913 152.78 14,232 247.18 20,465 387.44 20,544 404.34
35 Uttarakhand 267 5.64 616 12.24 958 14.09 1,527 31.26 1,765 31.89
36 West Bengal 999 32.20 3,214 73.14 4,267 107.96 6,009 163.22 7,686 187.49
TOTAL 31,815 756.00 68,230 1,391.00 1,04,365 2,012.00 1,33,962 2,759.00 1,56,878 3,150.00
CGS – Guarantees Invoked - Category-wise
Micro Small
No. of guarantees Amount (in Rs. Crore) No. of guarantees Amount (in Rs. Crore)
Duration
invoked invoked
FY 2020-21 16,001 327 15,814 429
FY 2021-22 41,745 783 26,485 608
FY 2022-23 81,871 1,346 22,494 666
FY 2023-24 1,02,785 1,903 31,177 856
FY 2024-25 1,26,188 2,438 30,690 712