Executive Summary:
This document presents the Minister of State for Micro, Small and Medium Enterprises' response to questions regarding the Prime Minister's Employment Generation Programme (PMEGP) in Maharashtra. It details the number of micro-enterprises established, financial assistance disbursed, employment generated, steps taken to improve loan disbursement, and monitoring mechanisms in place from FY 2020-21 to FY 2024-25. The response also addresses potential expansion of the scheme.
Key Points / Main Content:
PMEGP Performance in Maharashtra (FY 2020-21 to FY 2024-25):
* 3,094 to 4,123 micro-enterprises were assisted per year.
* ₹88.14 Crore to ₹131.86 Crore in Margin Money (MM) subsidy disbursed per year.
* 594 to 740 SC/ST beneficiaries were assisted per year.
* 1,712 women beneficiaries assisted in FY 2021-22
* PMEGP created 11,705 micro-enterprises in rural areas and 3,752 in urban areas.
* Estimated employment generated for 93,640 persons in rural areas and 30,016 in urban areas.
Government Steps for Improved Implementation:
* Periodic review meetings with implementing agencies (KVIC, KVIBs, DICs, financial institutions).
* Availability of over 1,000 model Detailed Project Reports on the PMEGP portal.
* Acceptance of PMEGP applications in 11 regional languages since January 2024.
* Engagement of retired bank officials to support prospective beneficiaries.
* Advising banks to reduce application rejection rates.
Current Status of PMEGP Expansion:
* No current proposal to enhance the financial ceiling of the PMEGP scheme.
Monitoring Mechanisms:
* Dedicated portal for tracking the process from application to subsidy adjustment.
* Bankers review meetings at top, state, and zonal levels.
* Quarterly State Level Monitoring Committee (SLMC) and District Level Monitoring Committee (DLMC) meetings.
* Periodic review meetings with implementing agencies (IAs).
Impact Analysis:
Implementing Agencies (State KVIC, State KVIBs, State DICs, financial institutions):
* Impact: Required to participate in periodic review meetings and implement measures for timely loan disbursement and reduced rejection rates.
* Action Required: Actively engage in review meetings, implement government directives, and ensure effective scheme implementation.
Prospective Beneficiaries:
* Impact: Benefit from simplified application procedures, handholding support from technical experts, and potentially faster loan disbursement.
* Action Required: Utilize available resources such as model project reports and regional language application options, and seek support from engaged technical experts.
Banks:
* Impact: Expected to reduce application rejection rates and ensure proper loan sanctioning and disbursement of margin money.
* Action Required: Review and adjust internal processes to minimize rejections, participate in bankers' review meetings, and ensure timely disbursement of funds.
New Entrepreneurs:
* Impact: Benefit from follow-up support and monitoring to ensure proper utilization of funds and scheme transparency.
* Action Required: Utilize the dedicated portal for tracking application status, engage with monitoring committees, and ensure proper utilization of funds.
Key Entities Referenced
Prime Minister's Employment Generation Programme PMEGP: A Government of India scheme to assist microenterprises by providing financial assistance and subsidies.
Maharashtra: A state in India where the PMEGP scheme's impact and implementation are being assessed.
Ministry of Micro, Small and Medium Enterprises: The Indian government ministry responsible for the PMEGP scheme and addressing the questions raised in the Lok Sabha.
SUSHRI SHOBHA KARANDLAJE: Minister of State for Micro, Small and Medium Enterprises, responsible for answering the questions related to PMEGP.
Khadi and Village Industries Commission KVIC: An implementing agency for the PMEGP scheme.
State Khadi and Village Industries Boards: State-level implementing agencies for the PMEGP scheme.
State District Industries Centers: State-level implementing agencies for the PMEGP scheme.
Lok Sabha: The lower house of the Indian Parliament, where questions about the PMEGP scheme were raised.
GOVERNMENT OF INDIA
MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES
LOK SABHA
UNSTARRED QUESTION No. 3012
TO BE ANSWERED ON 07.08.2025
PMEGP IN MAHARASHTRA
3012. SHRI SANJAY DINA PATIL:
SHRI MOHITE PATIL DHAIRYASHEEL RAJSINH:
SMT. SUPRIYA SULE:
SHRI BHASKAR MURLIDHAR BHAGARE:
DR. AMOL RAMSING KOLHE:
PROF. VARSHA EKNATH GAIKWAD:
Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:
(a) the number of micro-enterprises established in Maharashtra under the Prime Minister's
Employment Generation Programme (PMEGP) during the last five years;
(b) the amount of financial assistance/subsidy disbursed under PMEGP in Maharashtra in the
same period along with the number of beneficiaries covered, especially among SC/ST, women and
youth;
(c) whether PMEGP has effectively contributed to the creation of self-employment opportunities
in rural and urban areas of Maharashtra and if so, the details of employment generated as a result
thereof;
(d) the steps taken by the Government to ensure timely loan disbursement, simplify application
procedures, reduce rejection rates in PMEGP applications in Maharashtra;
(e) whether the Government proposes to expand the scope or enhance the financial ceiling of the
PMEGP scheme in Maharashtra to meet the growing demand and if so, the details thereof; and
(f) the monitoring mechanism put in place to ensure transparency, proper utilization of funds and
follow up support for new entrepreneurs in Maharashtra under the scheme?
ANSWER
MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES
(SUSHRI SHOBHA KARANDLAJE)
(a) and (b): Details of number of micro enterprises assisted and Margin Money (MM) subsidy
disbursed along with details of SC/ST and women beneficiaries assisted under Prime Minister’s
Employment Generation Programme (PMEGP) in Maharashtra in the last 5 years i.e. from FY 2020-
21 to FY 2024-25 are given below:: 2 :
Maharashtra
SC/ST beneficiaries Women beneficiaries
Total no. of
Total Margin
Financial micro
Money
Year enterprises No.of Margin No. of Margin
Subsidy
assisted micro Money micro Money
disbursed
including enterprises Subsidy enterprises Subsidy
( Rs. in Crore)
youth assisted (Rs.in Crore) assisted (Rs. in Crore)
entrepreneurs
2020-21 3,094 88.14 594 12.52 1,176 36.43
2021-22 4,123 129.92 740 18.42 1,712 64.58
2022-23 3,622 131.86 601 14.60 1,521 66.64
2023-24 2,762 121.82 453 16.07 1,148 63.00
2024-25 1,856 104.98 595 25.40 801 54.87
(c): In the last five years i.e. from FY 2020-21 to FY 2024-25, PMEGP has effectively contributed
to the creation of 11,705 micro enterprises in rural areas and 3,752 in urban areas of Maharashtra,
thereby generating estimated employment opportunities for 93,640 and 30,016 persons respectively
over the same period.
(d): Steps taken by the Government to ensure timely loan disbursement, simplify application
procedures, reduce rejection rates in PMEGP applications across the country including Maharashtra
are as follows:
i. Periodic review meetings with Implementing Agencies i.e. State offices of KVIC, State
KVIBs, State DICs and financial institutions.
ii. A wide range of more than 1,000 model Detailed Project Reports have been prepared on
various industries and made available on the PMEGP portal.
iii. Acceptance of PMEGP applications from prospective beneficiaries in 11 regional languages
since January 2024.
iv. To enhance the quality of applications to reduce rejections, technical experts & Retired Bank
Officials have been engaged to provide handholding support to prospective PMEGP
beneficiaries during application stage.
v. All major banks have been advised to take steps to reduce the rejection of applications.
(e): Currently, there is no proposal for enhancing the financial ceiling of the PMEGP scheme.
(f): The following monitoring mechanisms have been put in place to ensure transparency, proper
utilization of funds and follow up support for new entrepreneurs in the country including
Maharashtra:
i. A dedicated portal for tracking the complete process from application submission till
adjustment of MM subsidy into the beneficiary’s loan account.
ii. Banker’s Review meetings conducted at top level, State and Zonal level to ensure proper
sanctioning of loans and disbursement of margin money.
iii. Meetings by State Level Monitoring Committee (SLMC) and District Level Monitoring
Committee (DLMC) on a quarterly basis to monitor effective implementation of the scheme.
iv. Periodic review meetings with Implementing Agencies (IAs) i.e. State offices of Khadi and
Village Industries Commission, State Khadi and Village Industries Boards, State District
Industries Centers and financial institutions.
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