Parliament Question: Inclusive Growth of MSMEs in Tribal Areas

GOVERNMENT OF INDIA MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES LOK SABHA UNSTARRED QUESTION NO. 3044 TO BE ANSWERED ON: 07.08.2025 INCLUSIVE GROWTH OF MSMEs IN TRIBAL AREAS 3044. SMT. ROOPKUMARI CHOUDHARY: Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state: (a) the current status of Udyam registrations, formal credit uptake and digital adoption among Micro, Small and Medium Enterprises (MSMEs) in Chhattisgarh, district-wise; (b) the specific ground-level challenges faced by MSMEs in rural and tribal areas particularly in relation to road and power infrastructure, access to credit, market connectivity including ecommerce and digital payments and shortage of skilled manpower; (c) the funds allocated under central schemes such as CGTMSE, ZED Certification, Digital MSME Scheme and PMEGP for Chhattisgarh in the last three financial years and the extent of their utilisation; and (d) the steps taken or proposed to be taken to ensure balanced and inclusive growth of the MSME sector in Chhattisgarh by strengthening road, power and broadband infrastructure in backward districts, enhancing credit penetration through simplified collateral norms and expansion of priority sector lending, promoting digital literacy, e-marketing and cluster-based common facility centres and providing targeted skilling and ease of compliance support at the grassroots? ANSWER MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SUSHRI SHOBHA KARANDLAJE) (a) to (d): On 1st July, 2020, the Ministry of Micro, Small and Medium Enterprise (MSME) launched Udyam Registration Portal (URP), a free of cost, paperless and fully digitalized online platform, on which an enterprise can register itself as an MSME .The details of MSMEs registered in Chhattisgarh, district-wise; as on 31.07.2025 are given at Annexure-I. Promotion and development of enterprises is a State subject. The Central Government supplements the efforts of the State/UT Governments through various schemes, programmes and policy initiatives for overall development and promotion of MSMEs in the country, including in rural and tribal areas, including in Chhattisgarh. The Ministry of MSME implements Central Sector Schemes. Funds are not allocated State-wise. Funds are utilized based on the demand generated and loans sanctioned by the financial institutions. To promote formal credit uptake among MSMEs, the Ministry of MSME implements the Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs) and Prime Minister Employment Generation Programme (PMEGP) across the country, including Chhattisgarh. Number of micro enterprises assisted, Margin Money subsidy disbursed and estimated employment generated under PMEGP in Chhattisgarh during last 3 years i.e. from FY 2022-23 to FY 2024-25 is given below:: 2 : Margin Money Estimated Number of micro Financial Year Subsidy disbursed employment enterprises assisted (Rs. in crore) generated 2022-23 2,543 74.93 20,344 2023-24 2,379 76.25 19,032 2024-25 1,853 65.64 14,824 The details of guarantees issued under CGS for MSEs in the State of Chhattisgarh are as given below: Details of Guarantees Approved under CGS for Micro & Small Enterprises in the State of Chhattisgarh in the last 3 years. FY 2022-23 FY 2023-24 FY 2024-25 No. of Amt. of No. of Amt. of No. of Amt. of Guarantees Guarantees Guarantees Guarantees Guarantees Guarantees Approved Approved (in Approved Approved (in Approved Approved (in ₹Crore) ₹Crore) ₹Crore) 17,733 1,568.54 25,845 2,968.15 40,583 4,231.26 MSME Champions Scheme is a Central Sector Scheme applicable to the Udyam registered manufacturing Micro, Small and Medium Enterprises (MSMEs) across India including the State of Chhattisgarh. MSME-Sustainable (ZED) Certification Scheme and Digital MSME Scheme are a subcomponent of MSME Champions Scheme. The details of funds released to implementing agency in last three years under the MSME Sustainable (ZED) Certification Scheme are as below: Financial Year Fund Allocation (Rs. In crore) FY 2022-23 27.30 FY 2023-24 193.52 FY 2024-25 241.50 The physical achievements under ZED Certification Scheme at All-India level and for the State of Chhattisgarh as on date are as under: Geographical Registration Bronze Silver Gold Level Certification Certification Certification All India 5,31,977 3,44,303 1,814 2,482 Chhattisgarh 4,773 3,056 4 7 Under Digital MSME Scheme no fund has been allocated till date. To promote the transformation of Micro, Small and Medium Enterprises (MSMEs) and support their expansion, the Government of India announced the revised definition of MSMEs in Budget Announcement 2025 and the investment and turnover limits for classification of all MSMEs has been enhanced to 2.5 and 2 times respectively. The revision will help MSMEs in achieving higher efficiencies of scale, better access to capital and technological upgradation.: 3 : Under the Tool Rooms & Technical Institutions, Ministry of MSME has set up 27 Tool Rooms & Technical Institutions known as Technology Centres (TCs) in the sectors like general engineering, automation, hand tools, plastics, auto parts, electrical & electronics, forging & foundry etc. to support MSMEs with the relevant technologies. To increase the credit penetration for MSMEs, the Government announced the following Policy Measures in Budget 2025: i. The credit guarantee cover has been enhanced for Micro and Small Enterprises, under Credit Guarantee Scheme of the Ministry of MSME, from Rs. 5 Crore to Rs. 10 Crore. The Circular has been issued in this regard and the changes have come into effect from 01.04.2025. ii. Further, Government has announced provisioning of customized Credit Cards with a limit of Rs. 5 Lakh, for micro enterprises registered on Udyam Portal. The following measures have also been taken to increase access to credit for MSMEs in the country: i. Priority Sector Lending Guidelines: In terms of Master Direction on ‘Priority Sector Lending (PSL)- Targets and Classification’ dated March 24, 2025, all bank loans to MSMEs conforming to the conditions prescribed therein qualify for classification under priority sector lending. ii. Collateral requirements of MSME units: SCBs have been mandated not to accept collateral security in the case of loans up to ₹10 lakh extended to units in the MSE sector. iii. Timeline for credit decisions: For loans up to ₹25 lakh to units in the MSE borrowers, banks are advised that the timelines for credit decisions shall not be more than 14 working days. Through these steps, efforts to ensure balanced and inclusive growth of the MSME sector in the country, including Chhattisgarh has been made. To increase awareness about the benefits available through registration among MSMEs in the country, including State of Chhattisgarh, awareness programmes are conducted by the field offices of Ministry of MSME, in coordination with MSME/ Industry Departments of States/UTs concerned and other MSME stakeholders through physical workshops, social media, print media & electronic media for creating wide publicity for increasing participation from all stakeholders. ****Annexure – I Annexure referred in reply to the Lok Sabha Unstarred Question number 3044 for reply on 07.08.2025. District Wise detail of total Micro, Small and Medium Enterprises in the State of Chhattisgarh On Udyam Portal Since 01/07/2020 to 31/07/2025 Sl. District Total No. 1 Balod 32,799 2 Balod Bazar 39,361 3 Balrampur 11,955 4 Bastar 30,725 5 Bemetara 22,121 6 Bijapur 7,593 7 Bilaspur 104,207 8 Dantewada 6,711 9 Dhamtari 37,657 10 Durg 133,744 11 Gariaband 15,652 12 Gaurella Pendra Marwahi 5,480 13 Janjgir-Champa 68,358 14 Jashpur 27,619 15 Kabirdham 24,373 16 Kanker 25,380 17 Khairgarh Chhuikhadan Gandai 3,830 18 Kondagaon 17,153 19 Korba 65,764 20 Korea 17,610 21 Mahasamund 44,183 22 Manendragarh Chirimiri Bharatpur 5,390 23 Mohla Manpur Ambagarh Chouki 2,392 24 Mungeli 16,840 25 Narayanpur 4,887 26 Raigarh 62,775 27 Raipur 193,312 28 Rajnandagaon 52,000 29 Sakti 5,793 30 Sarangarh Bilaigarh 5,193 31 Sukma 3,195 32 Surajpur 22,298 33 Surguja 34,844