Executive Summary:
The Ministry of Micro, Small and Medium Enterprises addresses MSME schemes and loan disbursement programs in North Eastern States, with a focus on Meghalaya. The response outlines various central government schemes aimed at promoting and developing MSMEs, including financial support, infrastructure development, and market access initiatives. Data is provided for the period of financial years 2022-23 to 2024-25.
Key Points / Main Content:
MSME Schemes and Initiatives:
* **Credit Guarantee Scheme for Micro and Small Enterprises:** Provides credit guarantees up to Rs. 10 crore without collateral, with special provisions for NER including lower annual guarantee fees and enhanced coverage (80%) for loans up to Rs. 50 lakh. 5,879 guarantees were approved for Meghalaya, amounting to Rs. 740 crore from FY 2022-23 to 2024-25.
* **Self Reliant India (SRI) Fund:** Aims to infuse Rs. 50,000 crore as equity funding into MSMEs with growth potential, with Rs. 10,000 crore from the Government of India and Rs. 40,000 crore through Private Equity/Venture Capital funds.
* **Promotion of MSMEs in NER and Sikkim:** Provides financial support for infrastructure upgrades and common facilities. 7 projects were approved for Meghalaya with a total cost of Rs. 84.58 crore since the scheme's inception.
* **Micro and Small Enterprises Cluster Development Programme (MSECDP):** Offers financial assistance for Common Facility Centres, Flatted Factory Complexes, and industrial estate upgrades. One cashew nut processing cluster project in Selsella, Meghalaya, was approved at a cost of Rs. 189.37 lakh.
* **Raising and Accelerating MSME Performance (RAMP):** Strengthens institutions, improves market access, and promotes women entrepreneurship. Nine projects amounting to Rs 44.804 Cr have been approved for Meghalaya, benefitting 13,817 MSMEs as of 04.08.2025.
* **Prime Ministers Employment Generation Programme (PMEGP):** A credit-linked subsidy program generating self-employment through micro-enterprises. 3,131 loans were sanctioned in Meghalaya from FY 2022-23 to 2024-25. District-wise Margin Money subsidy disbursement details are provided. 1,700 micro enterprises were assisted in Meghalaya.
* **Khadi and Village Industries Commission (KVIC):** Promotes rural artisans through schemes like Khadi Gramodyog Vikas Yojana. District Commerce and Industries Centre, Meghalaya and Khadi and Village Industries Board, Meghalaya are the part of the implementation of the Khadi Village Industries (KVI) activities in the Meghalaya State.
* **ASPIRE:** Creates employment in the agro-rural sector via Livelihood Business Incubators (LBIs).
* **Public Procurement Policy:** Mandates 25% annual procurement from MSEs by Central entities, including set-asides for SC/ST and women-owned MSEs.
* **PM Vishwakarma (PMV) Scheme:** Provides end-to-end support to artisans and craftspeople in 18 traditional trades.
* **Procurement and Marketing Support (PMS) scheme:** Extends benefits for creating market access initiatives to Micro Small Enterprises (MSEs). 326 MSEs have benefitted in Meghalaya during the last 3 years.
Impact Analysis:
MSMEs in North Eastern States (including Meghalaya):
* Impact: Benefit from various schemes providing financial assistance, credit support, infrastructure development, skill upgradation, and market access.
* Action Required: Register on Udyam Portal, apply for relevant schemes, and utilize available resources to enhance productivity and competitiveness.
Central and State Governments:
* Impact: Responsible for implementing and monitoring the MSME schemes, ensuring effective fund disbursement, and fostering a supportive ecosystem.
* Action Required: Strengthen institutions, improve Centre-State linkages, and address issues like delayed payments to MSMEs.
Lending Institutions:
* Impact: Play a crucial role in providing credit to MSMEs under schemes like the Credit Guarantee Scheme and PMEGP.
* Action Required: Offer collateral-free loans up to Rs. 10 crore and support MSMEs in availing government schemes.
Artisans and Craftspeople:
* Impact: Benefit from schemes like PM Vishwakarma, which provide recognition, skill upgradation, toolkit incentives, and marketing support.
* Action Required: Register under the PM Vishwakarma scheme and utilize available resources to improve their skills and market access.
Key Entities Referenced
Ministry of Micro, Small and Medium Enterprises: The Indian government ministry responsible for formulating policies and programs to promote the development of micro, small and medium enterprises.
North Eastern States: Refers to the group of states in the northeastern part of India.
Meghalaya: A state in Northeast India, specifically mentioned as a focus of MSME support initiatives.
Credit Guarantee Scheme for Micro and Small Enterprises: A scheme implemented through Credit Guarantee Fund Trust for Micro and Small Enterprises to provide credit guarantees to Member Lending Institutions for credit facilities extended to MSEs.
Self Reliant India SRI Fund: Fund of Funds with the nomenclature Self Reliant India SRI Fund to infuse Rs. 50,000 crore as equity funding in those MSMEs which have the potential and viability to grow and become large units.
Micro and Small Enterprises Cluster Development Programme MSECDP: A scheme implemented with the objective to enhance the productivity and competitiveness of Micro and Small Enterprises.
Raising and Accelerating MSME Performance RAMP Scheme: A scheme aims at strengthening Institutions and governance at the Centre and Statelevel, improving CentreState linkages and partnerships, improving access to market and credit, addressing issues of delayed payments and greening of MSMEs and promoting guarantees to women entrepreneurs
Prime Ministers Employment Generation Programme PMEGP: A credit linked subsidy programme aimed at generating selfemployment opportunities through establishment of micro enterprises in the nonfarm sector by helping traditional artisans and ruralurban unemployed youths through Margin Money subsidy.
GOVERNMENT OF INDIA
MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES
LOK SABHA
UNSTARRED QUESTION NO. 3115
TO BE ANSWERED ON 07.08.2025
MSME SCHEMES IN NORTH EASTERN STATES
3115. SHRI SALENG A SANGMA:
Will the MINISTER OF MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:
(a) the number and nature of MSME schemes and loan disbursement programmes implemented in
the North Eastern States during the last three years;
(b) the details of such schemes and financial support extended specifically to the State of Meghalaya
including district-wise coverage;
(c) the total number of MSMEs in Meghalaya that have benefited from Government schemes and
credit-linked initiatives during the last three years;
(d) the details of any institutional partnerships, technical support centres or livelihood clusters
promoted by the Government in Meghalaya; and
(e) whether the Government proposes to expand MSME support initiatives, including credit, skilling
and market linkages in Meghalaya and other North Eastern States and if so, the details thereof?
ANSWER
MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES
(SUSHRI SHOBHA KARANDLAJE)
(a) to (e): The Central Government supplements the efforts of the States/UTs through various
schemes, programmes and policy initiatives, for promotion and development of MSMEs in the country
including Meghalaya and other North Eastern States. Total 18,53,123 MSMEs, including informal
Micro Enterprises, are registered on Udyam Portal in NER & 54,839 in Meghalaya.
The details of some of the major schemes implemented by the Ministry of MSME including
North Eastern States are as under:
(1) Credit Guarantee Scheme for Micro and Small Enterprises is implemented through Credit
Guarantee Fund Trust for Micro and Small Enterprises to provide credit guarantees to its Member
Lending Institutions for the credit facilities upto Rs. 10 crore, extended to the MSEs without any
collateral security and third-party guarantee. Special provisions for MSEs in NER are concession of
10% in Annual Guarantee Fees and Enhanced guarantee coverage (80%) to units in NER for loan upto
Rs 50 lakh. From the financial year 2022-23 to 2024-25, a total of 5,879 Nos. of guarantees were
approved amounting to Rs. 740 crore to Meghalaya.
(2) The Government of India has announced Fund of Funds with the nomenclature Self Reliant India
(SRI) Fund to infuse Rs. 50,000 crore as equity funding in those MSMEs which have the potential and
viability to grow and become large units. Under this scheme total size of fund of Rs. 50,000 crore has a
provision of Rs.10,000 crore from Government of India and Rs.40,000 crore through Private Equity /
Venture Capital funds. This initiative is aimed at providing growth capital to the deserving and eligible
units of MSME sector.: 2 :
(3) The scheme of Promotion of MSMEs in NER and Sikkim provides financial support to create or
upgrade infrastructure and common facilities for MSMEs to supplement manufacturing, testing,
packaging, R&D, product & process innovations and skilling activities. Since inception of the scheme, a
total 7 projects, having total project cost of Rs. 84.58 crore are approved for Meghalaya.
(4) With the objective to enhance the productivity and competitiveness of Micro and Small
Enterprises, Micro and Small Enterprises Cluster Development Programme (MSE-CDP) is being
implemented. Under the Scheme, financial assistance is extended for establishment of Common Facility
Centres, Establishment of Flatted Factory Complexes and creation & up-gradation of industrial estates.
One proposal for setting up of Common Facility Centre in Cashew Nut processing Cluster,
Selsella district has been approved in Meghalaya at a total cost of Rs. 189.37 lakh.
(5) The Scheme of Raising and Accelerating MSME Performance aims at strengthening Institutions
and governance at the Centre and State-level, improving Centre-State linkages and partnerships,
improving access to market and credit, addressing issues of delayed payments and greening of MSMEs
and promoting guarantees to women entrepreneurs.
Under Raising and accelerating of MSME Performance (RAMP) Scheme, 09 (Nine) projects
amounting to Rs 44.804 Cr have been approved for the State of Meghalaya and a total of 13,817
MSMEs have been benefitted in Meghalaya under RAMP as on 04.08.2025.
(6) Prime Minister’s Employment Generation Programme (PMEGP) is a credit linked subsidy
programme aimed at generating self-employment opportunities through establishment of micro-
enterprises in the non-farm sector by helping traditional artisans and rural/urban unemployed youths
through Margin Money subsidy. From the financial year 2022-23 to 2024-25, a total 3,131 number of
loans were sanctioned by the banks in Meghalaya.
District-wise, Margin Money subsidy disbursed under PMEGP in Meghalaya for the last 3 financial
years i.e. from FY 2022-23 to FY 2024-25:
FY 2022-23 FY 2023-24 FY 2024-25
Districts MM Subsidy MM Subsidy MM Subsidy
(Rs. in lakh) (Rs. in lakh) (Rs. in lakh)
East Garo Hills 16.25 3.90 102.20
East Jaintia Hills 17.40 25.67 168.47
East Khasi Hills 208.73 354.67 1,414.41
Eastern West Khasi Hills 7.00 12.84 72.93
North Garo Hills 32.76 11.63 91.12
Ri-Bhoi 94.48 52.30 405.61
South Garo Hills 4.72 14.37 81.94
South West Garo Hills 23.92 30.25 67.00
South West Khasi Hills 21.30 2.95 145.76
West Garo Hills 96.48 63.69 406.79
West Jaintia Hills 121.89 122.07 391.74
West Khasi Hills 20.82 30.69 122.85
Total 665.74 725.03 3,470.81: 3 :
From the financial year 2022-23 to 2024-25, a total of 1,700 micro enterprises assisted in Meghalaya.
(7) Khadi and Village Industries Commission (KVIC) promotes rural artisans, Khadi artisans, micro
entrepreneurs/village industries through implementation of various Khadi and Village Industries
Schemes such as Khadi Gramodyog Vikas Yojana, etc..
District Commerce and Industries Centre, Meghalaya and Khadi and Village Industries Board,
Meghalaya are the part of the implementation of the Khadi & Village Industries (KVI) activities in the
Meghalaya State.
(8) Scheme for Promotion of Innovation, Rural Industries and Entrepreneurship (ASPIRE) aims to
create employment opportunities in the agro-rural sector by establishing a network of Livelihood
Business Incubators (LBIs) by imparting various skill development programmes to the rural youth,
women and the unemployed.
(9) The Public Procurement Policy mandates 25% annual procurement from Micro and Small
Enterprises by Central Ministries/ Departments/ Central Public Sector Enterprises, including 4% from
Micro and Small Enterprises owned by SC/ST entrepreneurs and 3% from Micro and Small Enterprises
owned by women entrepreneurs.
(10) The PM Vishwakarma (PMV) Scheme is being implemented to provide end-to-end support to
artisans and craftspeople of 18 traditional trades who work with their hands and tools. It includes
recognition through PM Vishwakarma Certificate and ID Card, Skill Upgradation, Toolkit Incentive,
Credit Support, Incentive for Digital Transactions and Marketing Support.
(11) Procurement and Marketing Support (PMS) scheme extends benefits for creating market access
initiatives to Micro & Small Enterprises (MSEs). 326 MSEs have been benefitted during the last 3 years
in Meghalaya.
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