**Executive Summary**
This document provides details on various MSME (Micro, Small, and Medium Enterprises) schemes and programs implemented by the Government in the Palnadu district of Andhra Pradesh. It presents data on MSME registrations, beneficiaries, credit support, and cluster development initiatives and includes data up to November 30, 2025, for some sections and December 10, 2025, for the PM Vishwakarma Scheme. The document also details funds allocated, released, and utilized, along with applications received and sanctioned under PMEGP (Prime Minister's Employment Generation Programme).
**Key Points / Main Content**
* **MSME Registrations (Udyam Registration System):**
* Total MSME registrations in Palnadu district from FY 2022-23 to November 30, 2025: 62,036.
* Breakdown by FY:
* 2022-23: 6,078
* 2023-24: 15,153
* 2024-25: 26,513
* 2025-26 (up to Nov 30, 2025): 14,292
* Registrations are further classified by Micro, Small, and Medium enterprises.
* **Prime Minister's Employment Generation Programme (PMEGP):**
* A credit-linked subsidy program for generating self-employment opportunities.
* Margin Money subsidy of 35% in rural areas and 25% in urban areas for special categories (SC/ST, women, etc.).
* Maximum project cost admissible: Rs. 50.00 lakhs (manufacturing), Rs. 20.00 lakhs (business/service/trading).
* **PM Vishwakarma Scheme:**
* Launched on September 17, 2023, to provide end-to-end support to artisans and craftspeople in 18 traditional trades.
* Includes: PM Vishwakarma Certificate, ID Card, Skill Upgradation, Toolkit Incentive, Credit Support, Digital Transaction Incentive, and Marketing Support.
* **Credit Guarantee Scheme (CGS):**
* Implemented through Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE).
* Provides credit guarantee to Member Lending Institutions (MLIs) for loans to MSEs without collateral security.
* Guarantee approvals detailed for Guntur district (including Palnadu) by women, SC, ST and OBC
* **Entrepreneurship and Skill Development Programme (ESDP):**
* Conducts programs like Entrepreneurship Awareness Programme, Management Development Programme, and Advanced ESDP.
* Aims to motivate individuals to consider self-employment and promote new enterprises.
* **Micro and Small Enterprises Cluster Development Programme (MSE-CDP):**
* Aims to enhance productivity and competitiveness of MSMEs through cluster development.
* Financial assistance provided to establish Common Facility Centres (CFCs).
* No proposals have been received from Palnadu district.
* **Technology Centre Systems Programme (TCSP):**
* Intends to establish 15 new Technology Centres and upgrade existing ones.
* Aims to improve MSME competitiveness in key manufacturing sectors.
* **Procurement and Marketing Support (PMS) Scheme:**
* Extends benefits for creating market access for MSEs.
* Sanction issued to Andhra Pradesh was Rs. 41,80,655 in FY 2024-25 and Rs. 37,78,007 till December 1, 2025, in FY 2025-26.
* **Beneficiary Statistics in Palnadu:**
* Conducted ESDP programs with 260 beneficiaries.
* Beneficiaries for the State of Andhra Pradesh under the PMS scheme are detailed category-wise
**Impact Analysis**
**MSMEs in Palnadu District**
* **Impact:** MSMEs benefit from increased access to finance, skill development, market access, and cluster development initiatives, contributing to their growth and competitiveness.
* **Action Required:** MSMEs should register under the Udyam Registration system to avail the benefits of various government schemes.
**Artisans and Craftspeople**
* **Impact:** PM Vishwakarma Scheme provides holistic support, including recognition, skill upgradation, and financial assistance.
* **Action Required:** Artisans and craftspeople should register under the PM Vishwakarma Scheme to avail the benefits.
**Banks and Financial Institutions**
* **Impact:** CGS encourages lending to MSEs without collateral security.
* **Action Required:** Banks should actively participate in the CGS to increase lending to MSEs.
**State Governments/UTs**
* **Impact:** State Governments/UTs responsible for submitting proposals for various schemes.
* **Action Required:** States must submit proposals for scheme funding to promote MSME development.
Key Entities Referenced
Palnadu district, Andhra Pradesh: The geographical area to which the MSME schemes and data presented primarily apply.
Ministry of Micro, Small and Medium Enterprises: The central ministry responsible for implementing the schemes and initiatives discussed in the document.
Prime Minister's Employment Generation Programme (PMEGP): A credit-linked subsidy program aimed at generating self-employment opportunities.
PM Vishwakarma: A scheme launched to provide holistic support to artisans and craftspeople.
Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs): A scheme to provide credit guarantee to lending institutions for loans extended to MSEs.
GOVERNMENT OF INDIA
MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES
LOK SABHA
UNSTARRED QUESTION NO. 1874
TO BE ANSWERED ON 11.12.2025
MSME SCHEMES IN PALNADU, ANDHRA PRADESH
1874. SHRI LAVU SRI KRISHNA DEVARAYALU:
Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:
(a) the details of ongoing schemes and programmes being implemented by the Government and the
number of MSMEs registered in Palnadu district of Andhra Pradesh under the Udyam Registration system
during the last three years, year and category-wise;
(b) the number of beneficiaries in Palnadu district during the said period, year, scheme-wise and
category-wise (women, minorities, SCs/STs);
(c) the funds allocated, released and utilised under various schemes in Palnadu district during the said
period, year-wise;
(d) the details of credit support provided in Palnadu district, category-wise
(SC/ST/OBC/Women/Minorities) including loan applications received, sanctioned, disbursed and pending
with banks and financial institutions; and
(e) the details of MSME clusters, common facility centres, traditional industry clusters and other
infrastructure, export promotion, marketing, training, tool room and skill development projects functional,
sanctioned or proposed in Palnadu district during the last three years?
ANSWER
MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES
(SUSHRI SHOBHA KARANDLAJE)
(a) to (d): The Government of India supplements the efforts of the States/UTs through various schemes,
programmes and policy initiatives for promotion, development of MSMEs in the country including in the state
of Andhra Pradesh. These schemes/ programmes include Prime Minister's Employment Generation
Programme, PM Vishwakarma scheme, Credit Guarantee Scheme for Micro and Small Enterprises,
Entrepreneurship & Skill Development Programme scheme, Micro and Small Enterprises - Cluster
Development Programme, Procurement and Marketing Support (PMS) scheme, etc..
The Government of India has taken a number of initiatives and measures to provide support to Micro, Small
and Medium Enterprises (MSMEs) for improving access to finance, including in rural and semi urban areas.
The details of some of the major schemes implemented by the Ministry of MSME are as under:
(i) The number of MSMEs registered in Palnadu district of Andhra Pradesh under the Udyam
Registration system during the last three years including current year, year and category-wise:
Year wise Total MSMEs Registered Under Udyam and UAP For PALNADU District of
Andhra Pradesh State
FY Micro Small Medium Total
2022-23 6,001 76 1 6,078
2023-24 15,100 53 - 15,153
2024-25 26,475 37 1 26,513
2025-26 (01/04/2025 - 14,272 20 - 14,292
30/11/2025)
Total:- 61,848 186 2 62,036: 2 :
(ii) 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. For beneficiaries belonging to special categories, such as
Scheduled Castes, Scheduled Tribes, women, etc. Margin Money subsidy is 35% in rural areas
and 25% in urban areas. The maximum cost of the project/units admissible under manufacturing
sector is Rs.50.00 lakhs and Rs. 20.00 lakhs admissible under business, service/Trading sector, the
year/category wise details are at Annexure – I.
(iii) PM Vishwakarma was launched on 17.09.2023 to provide end-to-end holistic 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.
The achievements under the Scheme in the state of Andhra Pradesh including Palnadu district in
various parameters as on 10.12.2025 are at Annexure – II.
(iv) The Ministry of Micro, Small and Medium Enterprises implements the Credit Guarantee Scheme
(CGS) for Micro and Small Enterprises (MSEs) through Credit Guarantee Fund Trust for Micro
and Small Enterprises (CGTMSE), to provide credit guarantee to its Member Lending Institutions
(MLIs) for the loans extended by them to MSEs without any collateral security and third-party
guarantee.
The details of guarantee approved under CGS scheme, in Guntur District (including Palnadu), Andhra
Pradesh are as under:
CGS - Guarantee Approved – Guntur * District
Women SC ST OBC
Amount Amount Amount
No. of No. of No. of No. of Amount
Approved Approved Approved
Duration Guarantees Guarantees Guarantees Guarantees Approved
(in Rs. (in Rs. (in Rs.
Approved Approved Approved Approved (in Rs. Crore)
Crore) Crore) Crore)
Cumulative
since
inception in 49,718 940 9,470 167 1,909 36 14,783 308
2000 till
30.11.2025
* Includes Guarantees approved for Palnadu District also (Earlier part of Guntur district).
(e): The schemes implemented by Ministry of MSME are central sector and demand driven, wherein the
funds are not allocated state wise. The proposals are received from the State Governments/UTs as per their
requirements. The details of some of the major schemes implemented by the Ministry of MSME are as under:
(i) The Entrepreneurship and Skill Development Programme (ESDP), several programmes are conducted
on Entrepreneurship Awareness Programme, Entrepreneurship cum Skill Development Programme,
Management Development Programme, Advance ESDP and Advance MDP. One-day EAPs for prospective
entrepreneurs, including some exclusive programmes for SC/ST participants, are also conducted. The
objective of the programme is to motivate young persons (Men and Women) representing different sections of
the society including SC/ST women, physically handicapped, Ex-servicemen, and BPL persons to consider
self-employment or entrepreneurship as one of the career options and to promote new enterprises, build
capacity of existing MSMEs and inculcate entrepreneurial culture in the country.: 3 :
The number of programmes conducted and beneficiaries in Palnadu, Andhra Pradesh are as under:
S. Financial No. of No. of Beneficiaries
No. Year Programmes
Conducted Social Category Gender Total
GEN SC ST Male Female Other
1. 2024-25 4 84 31 45 39 121 0 160
2. 2025-26 1 47 5 48 41 59 0 100
(till 04.12.2025)
Total 5 131 36 93 80 180 0 260
(ii) The Government is implementing Micro and Small Enterprises Cluster Development Programme
(MSE-CDP) across the country. The objective of the scheme is to enhance the productivity and
competitiveness of the MSMEs for their holistic development adopting cluster development approach.
Financial assistance as GoI grant is provided to establish Common Facility Centres (CFCs) in the existing
clusters and establish/up-grade infrastructural facilities in new/existing industrial estates/areas/flatted factory
complexes. No such proposal has been received from Palnadu district, Andhra Pradesh.
(iii) The Technology Centre Systems Programme (TCSP) scheme intends to establish 15 new Technology
Centres and upgrade the existing Technology Centres (TCs) and provide advanced training to provide skilled
manpower for MSMEs. This programme is envisioned to upgrade and expand the network of existing TCs
with focus in improving the competitiveness of MSMEs in key manufacturing industry sectors such as
General Engineering, Automotive Engineering, Precision Manufacturing, Electronics System Design &
Manufacturing (ESDM) and Fragrance & Flavour (F&F).
(iv) Procurement and Marketing Support (PMS) scheme extends benefits for creating market access
initiatives to Micro & Small Enterprises (MSEs).
The Ministry maintains the state-wise data of beneficiaries for the PMS scheme. The category-wise number of
beneficiaries for the State of Andhra Pradesh is as under:
S. No. of Beneficiaries in Andhra Pradesh
Financial Year
No.
SC/ST Women Total
1 2023-24 12 43 912
2 2024-25 1 33 562
3 2025-26 As on date 4 26 136
The sanction issued to Andhra Pradesh under PMS scheme during the last and current FY is as under:
Name of the State Total Sanction Issued Sanction issued in FY 2025-26
FY 2024-25 till 01.12.2025
Andhra Pradesh 41,80,655 37,78,007
****Annexure –I
Annexure referred to in reply to part (a) to (d) of the Lok Sabha Unstarred Question No. 1874 for reply on
11.12.2025
The year/category wise number of beneficiaries under PMEGP in Palnadu district during last three years as
follows:
Sr. Financial General Minority OBC SC ST TOTAL Of which
No. Year Women
1 2022-23 19 1 18 6 4 48 26
2 2023-24 43 2 17 21 23 106 56
3 2024-25 36 0 16 34 23 109 60
Year- wise the funds Allocated, Released and Utilised under PMEGP scheme in Palnadu district is as follows:
(Rs. In lakh)
Sr. No. Financial Year Funds Allocated Funds Released Funds Utilized
1 2022-23 380.94 380.94 236.33
2 2023-24 374.00 636.59 636.59
3 2024-25 429.22 553.29 553.29
The details of applications received, sanctioned and disbursed under PMEGP in Palnadu district during last three
years is as follows:
Year Applications Sanctioned by Disbursed Pending with
Received Banks Banks
Scheduled Caste
2022-23 63 25 6 9
2023-24 368 35 21 68
2024-25 106 42 34 15
Year Applications Sanctioned by Disbursed Pending with
Received Banks Banks
Scheduled Tribes
2022-23 27 7 4 3
2023-24 136 33 23 44
2024-25 41 25 23 4
Year Applications Sanctioned by Disbursed Pending with
Received Banks Banks
Other Backward Classes
2022-23 64 35 18 5
2023-24 189 58 17 22
2024-25 103 29 16 12
Year Applications Sanctioned by Disbursed Pending with
Received Banks Banks
Minorities
2022-23 4 4 1 0
2023-24 22 3 2 4
2024-25 12 6 0 1
Year Applications Sanctioned by Disbursed Pending with
Received Banks Banks
Of which women
2022-23 56 31 11 7
2023-24 389 51 25 58
2024-25 126 43 31 13Annexure –II
Annexure referred in reply to part (a) to (d) of the Lok Sabha Unstarred Question No. 1874 for reply on 11.12.2025.
The achievements under the PM Vishwakarma Scheme in the state of Andhra Pradesh in various parameters as on 10.12.2025 are as under:
PAN Andhra
Parameters
India Pradesh
Total no. of Beneficiaries Registered 30,00,000 2,22,947
No. of Beneficiaries who have completed Basic Skill
23,11,325 1,69,994
Training
No. of Beneficiaries whose loans have been sanctioned 5,23,316 42,994
No. of Beneficiaries whose loans have been disbursed 4,38,484 34,046
No. of Toolkits distributed to door steps of Beneficiaries 10,90,878 65,401
Category-wise Number of Beneficiaries registered under the PM Vishwakarma Scheme in Palnadu District, Andhra Pradesh as on 10.12.2025 are
as under:
Andhra
Category Palnadu Percentage Percentage
Pradesh
(%) (%)
Female 4,010 54.5 1,08,510 48.7
Male 3,340 45.5 1,14,437 51.3
SC 2,516 34.2 38,791 17.4
ST 1,082 14.7 8,045 3.6
OBC 2,997 40.7 1,39,636 62.6
General 755 10.4 36,475 16.4
Divyangjan 68 0.9 1,689 0.8
Minorities 250 3.4 9,867 4.4
Total 7,350 100 2,22,947 100
Social Category-wise number of Beneficiaries registered in the last three years are as under:
Financial Female Male SC ST OBC General Minorities Total
Year
FY 2023-24 20 110 56 1 66 7 3 130
FY 2024-25 3,955 3,121 2,327 1,080 2,926 743 246 7,076
FY 2025-26 35 109 133 1 5 5 1 144
Grand Total 7,350The number of Beneficiaries who have applied, received sanction and disbursement applications for Palnadu in the last three years category-wise are as follows-
Status Total Female Male SC ST OBC General Divyangjan Minorities
No. of PM Vishwakarma
Beneficiaries sanctioned with
810 368 442 265 51 416 78 5 34
collateral free loans (with 5%
interest)
Loan Sanctioned Amount (INR) 7,17,71,250 3,18,66,000 3,99,05,250 2,29,45,250 46,00,000 3,69,76,000 72,50,000 4,50,000 32,50,000
No. of PM Vishwakarma
Beneficiaries Disbursed collateral 757 341 416 245 48 390 74 5 31
free loans (with 5% interest)
Loan Disbursed Amount (INR) 6,72,21,250 2,95,66,000 3,76,55,250 2,11,95,250 44,50,000 3,46,76,000 69,00,000 4,50,000 29,50,000