**Executive Summary**
This document presents the Ministry of Micro, Small and Medium Enterprises' (MSME) response to questions regarding the strengthening of MSMEs. It highlights the Udyam Registration Portal (URP) launched on 01.07.2020 and the Udyam Assist Platform (UAP) launched on 11.01.2023, as well as other central government schemes like PMEGP and CGS aimed at supporting MSMEs, particularly in Assam. The response includes data on MSME registrations, employment, and guarantees approved. The final data provided is as of 31.01.2026.
**Key Points / Main Content**
* **Udyam Registration Portal (URP) and Udyam Assist Platform (UAP):**
* URP was launched on 01.07.2020 to facilitate ease of MSME registration; it is fully online, paperless, and based on self-declaration.
* UAP was launched on 11.01.2023 in association with SIDBI for Informal Micro Enterprises (IMEs) without PAN and GST exemption.
* URP aims to formalize MSMEs, providing an identity and eligibility for various schemes.
* **MSME Registrations:**
* As of 31.01.2026, 7,61,12,097 enterprises have registered on Udyam since its launch on 01.07.2020.
* 14,57,551 enterprises in Assam have registered on Udyam, reporting an employment of 99,04,891.
* **Central Government Support:**
* The Central Government supports MSMEs through various schemes, programs, and policy initiatives.
* Schemes include Prime Minister's Employment Generation Programme (PMEGP), Credit Guarantee Scheme for Micro and Small Enterprises (CGS), RAMP, Self Reliant India (SRI) Fund, PM Vishwakarma and MSME Champions Scheme.
* **Prime Minister's Employment Generation Programme (PMEGP):**
* PMEGP assists General Category beneficiaries with a Margin Money (MM) subsidy of 25% of the project cost in rural areas and 15% in urban areas.
* Special Categories receive a 35% MM subsidy in rural areas and 25% in urban areas.
* **Credit Guarantee Scheme (CGS):**
* CGS provides credit guarantees to Member Lending Institutions for credit facilities extended to MSEs without collateral security and third-party guarantees.
* The guarantee ceiling is ₹10 crore per borrower, with coverage ranging from 75% to 90%.
* **Number of Micro Enterprises Assisted in the State of Assam under PMEGP:**
* Financial Year 2022-23: 2,596 enterprises assisted, Margin Money Subsidy Rs. 59.54 Cr, estimated employment of 20,768.
* Financial Year 2023-24: 2,417 enterprises assisted, Margin Money Subsidy Rs. 64.06 Cr, estimated employment of 19,336.
* Financial Year 2024-25: 3,170 enterprises assisted, Margin Money Subsidy Rs. 91.10 Cr, estimated employment of 25,360.
* **Details of Guarantees approved in the State of Assam:**
* Financial Year 2022-23: 34,081 guarantees approved, amount approved (in Cr) 3,045.
* Financial Year 2023-24: 56,392 guarantees approved, amount approved (in Cr) 6,109.
* Financial Year 2024-25: 94,128 guarantees approved, amount approved (in Cr) 9,684.
**Impact Analysis**
**MSMEs:**
* **Impact:** MSMEs benefit from easier registration through Udyam, access to credit via CGS, and financial assistance through PMEGP and the various schemes. They can gain identity and become eligible for government schemes.
* **Action Required:** MSMEs should register on the Udyam portal to avail benefits and explore the various support schemes provided by the government.
**Informal Micro Enterprises (IMEs) without PAN and GST:**
* **Impact:** UAP provides these enterprises with a platform for formalization and access to government support.
* **Action Required:** IMEs should utilize the Udyam Assist Platform (UAP) to register and explore available schemes.
**Lending Institutions:**
* **Impact:** The Credit Guarantee Scheme (CGS) reduces the risk for lending institutions providing credit to MSEs by providing guarantees.
* **Action Required:** Member Lending Institutions should continue to extend credit to MSEs, leveraging the Credit Guarantee Scheme (CGS) to mitigate risks.
**SC/ST/Women Entrepreneurs:**
* **Impact:** Targeted efforts and special provisions are there to help this group with access to credit, technology and markets for MSMEs.
* **Action Required:** SC/ST/Women Entrepreneurs should explore those targeted efforts.
Key Entities Referenced
Ministry of Micro, Small and Medium Enterprises: The primary ministry responsible for strengthening MSMEs and implementing related schemes and initiatives.
Udyam Registration Portal (URP): Online portal launched to facilitate ease of registration for MSMEs.
Micro, Small and Medium Enterprises (MSMEs): The core subject of the policy, referring to enterprises of varying sizes.
Assam: Specific state mentioned as having specific MSME-related issues addressed by the government.
Prime Minister's Employment Generation Programme (PMEGP): Scheme for employment generation through setting up micro enterprises
GOVERNMENT OF INDIA
MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES
LOK SABHA
UNSTARRED QUESTION NO. 943
TO BE ANSWERED ON: 05.02.2026
STRENGTHENING OF MSMEs
943. SHRI PRADYUT BORDOLOI:
Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:
(a) whether the Government has reviewed the Micro, Small and Medium Enterprises (MSMEs)
sector in terms of new registrations, credit linkage, job creation and regional spread and if so, the
details thereof during the last five years and if not, the reasons therefor;
(b) whether special schemes are being implemented to strengthen MSMEs in manufacturing,
services, export-oriented units and food processing and if so, the details thereof and if not, reasons
therefor;
(c) whether the Government has initiated measures to ensure easier access to credit, technology and
markets for MSMEs, including for SC/ST/Women entrepreneurs and if so, the details thereof and if not,
the reasons therefor;
(d) the details regarding the comprehensive performance and gap-analysis report of the Indian
MSME sector, including policy recommendations that are to be implemented; and
(e) whether the MSME sector in Assam is lacking behind compared to other States, if so, the details
including the scope for improvement, reasons for lacking and measures taken by the Government to
improve Assam’s MSMEs?
ANSWER
MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES
(SUSHRI SHOBHA KARANDLAJE)
(a) to (e): Udyam Registration Portal (URP) was launched by Ministry of MSME on 01.07.2020 to
facilitate ease of registration for MSMEs. The process of registration on Udyam is fully online,
paperless and based on self-declaration. For those Informal Micro Enterprises (IMEs), which do not
have PAN and are exempted from GST, Udyam Assist Platform (UAP) was launched on 11.01.2023 in
association with Small Industries Development Bank of India (SIDBI). The formalisation initiative
provides ease of doing business, creates an identity for MSMEs and they become eligible to avail the
benefit of various schemes, subject to eligibility criteria.
Since the launch of URP on 01.07.2020, a total of 7,61,12,097 enterprises have registered on
Udyam as of 31.01.2026. This includes 14,57,551 enterprises in Assam, which have reported an
employment of 99,04,891.: 2 :
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 the State of Assam. The Ministry of MSME has taken a number of initiatives for
creating an enabling environment for MSMEs. This inter alia includes various schemes and
programmes such as Prime Minister's Employment Generation Programme (PMEGP), Credit
Guarantee Scheme for Micro and Small Enterprises, Micro and Small Enterprises- Cluster
Development Programme (MSE-CDP), Raising and Accelerating MSME Performance (RAMP), Self
Reliant India (SRI) Fund, PM Vishwakarma and MSME Champions Scheme etc. Many of the schemes
have special provisions for SC/ST & Women owned enterprises.
PMEGP assists General Category beneficiaries with Margin Money (MM) subsidy of 25% of
the project cost in rural areas and 15% in urban areas. For beneficiaries belonging to Special Categories
such as Scheduled Castes, Scheduled Tribes, Women, and others, the Margin Money subsidy is 35% in
rural areas and 25% in urban areas. The total number of Micro Enterprises Assisted in the State of
Assam under PMEGP is as follows:
Number of Micro Enterprises Assisted in the State of Assam under PMEGP
Financial Year Number of Micro Margin Money Subsidy Estimated
Enterprises Assisted (Rs. in Cr.) Employment
2022-23 2,596 59.54 20,768
2023-24 2,417 64.06 19,336
2024-25 3,170 91.10 25,360
The Ministry of MSME implements the Credit Guarantee Scheme (CGS) for Micro and Small
Enterprises (MSEs) through Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
with an objective to provide credit guarantees to its Member Lending Institutions for the credit facilities
extended by them to the MSEs without any collateral security and third-party guarantee. Guarantee
ceiling under the Scheme is ₹10 crore per borrower and the extent of guarantee coverage ranges from
75% to 90%, as per the category of borrower and /or geographical region. The total number of
guarantees extended to MSEs under the Scheme in the last three years within State of Assam is as
follows:
Details of Guarantees approved in the State of Assam
Financial Year No. of Guarantees approved Amount approved (in ₹ Crore)
2022-23 34,081 3,045
2023-24 56,392 6,109
2024-25 94,128 9,684
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