Executive Summary:
This document is a response to Lok Sabha Starred Question No. 405 regarding the Udyam Sakhi portal, Khadi and Village Industries Commission (KVIC), and the Prime Minister's Employment Generation Programme (PMEGP). It details the objectives, scope, and impact of these initiatives, along with expenditure, beneficiaries, and steps taken to enhance their reach. The response was presented on August 21, 2025, by the Minister for Micro, Small and Medium Enterprises.
Key Points / Main Content:
Udyam Sakhi Portal:
Launched in 2018 to provide information on financial schemes, policies, and programs to existing and prospective women entrepreneurs in the MSME sector.
Expenditure for development and maintenance borne by IDEMI, Mumbai.
4,535 women entrepreneurs have registered and benefited since inception.
Women-owned enterprises constitute about 39% of enterprises registered on Udyam/Udyam Assist portals.
Khadi and Village Industries Commission (KVIC):
Objectives include providing employment opportunities, promoting production of saleable articles, and promoting self-reliance.
Functions include planning, promoting, facilitating, organizing, and assisting in the establishment and development of Khadi and Village industries.
Implements Khadi and Gramodyog Vikas Yojana, consisting of Khadi Vikas Yojana (KVY) and Gramodyog Vikas Yojana (GVY).
KVY promotes rural industrialization through Modified Market Development Assistance (MMDA) and Interest Subsidy Eligibility Certificate (ISEC).
GVY provides training, toolkits, and hand-holding to rural artisans in various village industries.
Skill Development and Training:
KVIC provides skill development training through various training centers.
Training includes weaving, spinning, village oil, food processing, beekeeping, and other trades.
Training partners are engaged to extend the reach of initiatives to remote areas.
Prime Minister's Employment Generation Programme (PMEGP):
Provides margin money (MM) subsidy ranging from 15% to 35% based on geographical and demographical criteria.
Marketing support is provided through exhibitions, KVIC sales outlets, and e-commerce portals.
Initiatives include awareness programs, modification of the negative list, acceptance of applications in 11 regional languages, and free online Entrepreneurship Development Programs.
Impact Analysis:
Women Entrepreneurs:
Impact: Benefited from information and schemes provided through the Udyam Sakhi portal, leading to increased registration of women-owned enterprises.
Action Required: Utilize the resources available on the Udyam Sakhi portal to access financial schemes, policies, and programs.
Rural Artisans:
Impact: Access to training, toolkits, and hand-holding support through KVIC's Gramodyog Vikas Yojana (GVY), enhancing skills and livelihoods.
Action Required: Participate in training programs offered by KVIC and utilize the support provided to develop and expand their village industries.
Khadi Institutions and Artisans:
Impact: Benefit from Modified Market Development Assistance (MMDA) and Interest Subsidy Eligibility Certificate (ISEC) schemes under KVIC, increasing capacity and income.
Action Required: Apply for MMDA and ISEC schemes to avail financial assistance for production and marketing of Khadi products.
Prospective Entrepreneurs:
Impact: Access to margin money subsidy under PMEGP and marketing support, facilitating production, innovation, and income generation.
Action Required: Apply for PMEGP and participate in awareness programs and entrepreneurship development programs to start and grow micro-enterprises.
Training Partners:
Impact: Opportunity to engage with KVIC and extend the reach of training initiatives to artisans in remote areas and villages.
Action Required: Collaborate with KVIC to deliver training programs and capacity-building initiatives in rural and backward districts.
Key Entities Referenced
Ministry of Micro, Small and Medium Enterprises: The Indian government ministry responsible for formulating policies and programs to promote the growth and development of micro, small and medium enterprises.
Udyam Sakhi Portal: A portal launched in 2018 by the Ministry of Micro, Small and Medium Enterprises to provide information on financial schemes, policies, and programs for women entrepreneurs in the MSME sector.
Khadi and Village Industries Commission (KVIC): A statutory body under the Ministry of MSME responsible for planning, promoting, facilitating, organizing, and assisting in the establishment and development of Khadi and Village industries in rural areas.
Prime Minister's Employment Generation Programme (PMEGP): A scheme to provide margin money subsidy to beneficiaries for generating employment, routed by KVIC through nodal banks.
Khadi and Gramodyog Vikas Yojana: A scheme consisting of Khadi Vikas Yojana (KVY) and Gramodyog Vikas Yojana (GVY) implemented by KVIC.
Modified Market Development Assistance (MMDA): A scheme under Khadi Vikas Yojana (KVY) to provide assistance to Khadi Institutions and artisans.
Interest Subsidy Eligibility Certificate (ISEC): A scheme to facilitate credit at concessional interest rates through banks for Khadi Institutions.
Gramodyog Vikas Yojana (GVY): A scheme to provide training, toolkits and hand holding to rural and traditional artisans under various verticals of village industries
GOVERNMENT OF INDIA
MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES
LOK SABHA
STARRED QUESTION NO.*405
TO BE ANSWERED ON: 21.08.2025
UDYAM SAKHI PORTAL
*405. SHRI SUKANTA KUMAR PANIGRAHI:
SHRI ANIL FIROJIYA:
Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:
(a) the objectives and scope of the Udyam Sakhi portal and the expenditure incurred in
developing and maintaining the portal;
(b) the number of women registered and benefited through the portal since its inception,
State/UT-wise;
(c) the steps taken to enhance the impact of the portal to benefit rural and backward districts,
State/UT-wise;
(d) the primary objectives, aims and policy mandate of the Khadi and Village Industries
Commission (KVIC) in promoting rural industrialisation, self-reliance and traditional livelihoods
across the country along with its major achievements during the last three years, State-wise;
(e) the steps taken to expand grassroot-level training, skilling, skill development and capacity-
building programmes in areas such as spinning, other village industries, weaving, pottery and
beekeeping for rural youth and women, State-wise; and
(f) the funding pattern, subsidies and marketing support being provided under the Prime
Minister's Employment Generation Programme (PMEGP) and other schemes linked to the Khadi and
Village Industries Commission (KVIC) to boost production, innovation and sustainable income
generation at the village level?
ANSWER
MINISTER FOR MICRO, SMALL AND MEDIUM ENTERPRISES
(SHRI JITAN RAM MANJHI)
(a) to (f): A statement is laid on the Table of the House.STATEMENT REFERRED TO IN REPLY TO LOK SABHA STARRED QUESTION NO.
*405 FOR 21.08.2025 REGARDING “UDYAM SAKHI PORTAL”.
(a) to (c): Udyam Sakhi portal was launched in 2018 to provide information regarding financial
schemes, policies and programmes of Ministry of Micro, Small and Medium Enterprises(MSMEs) to
existing and prospective women entrepreneurs in the MSME sector.
The expenditure incurred for developing and maintaining of the Udyam Sakhi portal was
borne by Institute for Design of Electrical Measuring Instruments (IDEMI), Mumbai, an autonomous
body under Ministry of Micro, Small and Medium Enterprises.Since the inception of the portal, 4,535
women entrepreneurs have registered and benefited in the country.
Ministry of MSME has made sustained efforts towards inclusiveness and for promoting
digital registration of women entrepreneurs, through its field offices and in coordination with State
Governments and MSME associations. As a result of these efforts, enterprises owned by women
constitute about 39% of the enterprises registered on Udyam/Udyam Assist portals.
(d): Khadi and Village Industries Commission (KVIC) is a statutory body under Ministry of
MSME with the objectives of providing employment opportunities, promoting production of saleable
articles to drive economic growth and promoting self-reliance among individuals. The function of
KVIC is to plan, promote, facilitate, organise and assist in the establishment and development of
Khadi and Village industries, including in rural areas, in coordination with related agencies. For the
purpose, KVIC implements: (a) Khadi and Gramodyog Vikas Yojana consisting of Khadi Vikas
Yojana (KVY) and Gramodyog Vikas Yojana (GVY).
Under KVY, through the following scheme components, rural industrialisation, self-reliance
and traditional livelihoods across the country, including in rural areas is promoted:
(i) Modified Market Development Assistance (MMDA) is given to producing Khadi
Institutions and Khadi artisans, with a view to increasing the capacity of Khadi Institutions
and income of Khadi artisans. State/UT-wise number of Khadi Institutions, Disbursement of
funds and number of artisans benefitted under MMDA during the last three years is given at
Annexure-I.
(ii) Interest Subsidy Eligibility Certificate (ISEC) facilitates credit at concessional rate of
interest through Banks as per requirement of the Khadi Institutions (KIs) for production of
Khadi. State/UT-wise number of Khadi Institutions and disbursement of funds under ISEC
Scheme in the last three years is given at Annexure-II.
Under GVY, KVIC provides training, toolkits and hand holding to rural and traditional
artisans under various verticals of village industries like Mineral Based Industry, Agro Based and
Food Processing Industry, Wellness and Cosmetic Industry, Handmade Paper, Leather and Plastic
Industry, Rural Engineering and New Technology Industry, etc. State/UT-wise number of artisans
trained and benefitted under GVY in the last three years is given at Annexure-III.: 2 :
(e): KVIC provides Skill Development Training to artisans/entrepreneurs through Departmental
Training Centers (Multi-Disciplinary Training Centers) and Non-Departmental Training Centers.
These Training Centres impart training under various disciplines like weaving, spinning, village oil,
palm gur, cane and bamboo, food processing, beekeeping, agarbatti making, popcorn making, air
conditioner repair and maintenance, mobile repair, sewing machine operator, etc. To strengthen
grassroots-level training and skill development, KVIC has engaged training partners to extend the
reach of its initiatives to artisans in remote areas and villages. State/UT-wise number of persons
trained under capacity building programme is given at Annexure-IV.
(f): Under the Prime Minister’s Employment Generation Programme (PMEGP), beneficiaries can
avail of Margin Money (MM) subsidy ranging from 15% to 35%, based on geographical and
demographical criteria. MM subsidy under PMEGP is routed by KVIC through the Nodal Bank to
the Financing Bank Branches and subsequently transferred to the beneficiary account after
completion of lock-in period based on the outcome of the physical verification report.
PMEGP is a Central sector scheme, hence no State-wise allocation of budget is done. Funds
are utilized based on loans sanctioned by financial institutions. Under the scheme, marketing support
is provided to units for sale of their products through exhibitions, KVIC sales outlets and the e-
commerce portal. To ensure the growth and development of micro enterprises thereby facilitating
production, innovation and sustainable income generation, including at the village level, the
following initiatives have been undertaken, among others:
i. Awareness programmes, workshops and exhibitions organized in States/UTs including
backward, underserved and underperforming areas with focus on special category.
ii. Negative List has been modified to allow more activities such as dairy, poultry, animal
husbandry, aquaculture, bee-keeping, sericulture, etc. under the scheme.
iii. Applications from prospective beneficiaries accepted in 11 regional languages.
iv. Free online Entrepreneurship Development Programme for prospective entrepreneurs.
v. Inclusion of applicants from Aspirational districts and transgenders under Special Category,
eligible for higher subsidy.
******Annexure-I
Annexure referred to in reply to part (d) of Lok Sabha Starred Question No. *405 for answer
on 21.08.2025.
State/UT-wise number of Khadi Institutions, Disbursement of funds and number of Artisans
benefitted under Modified Market Development Assistance (MMDA)
Cumulative
Cumulative number
Disbursement of Cumulative number
Sr. of Khadi
State / UTs Funds in last 3 of artisans benefited
No. Institutions assisted
years in last three years
in last 3 years
(Rs. in lakh)
1. Himachal Pradesh 5 16.42 138
2. Punjab 13 66.60 704
3. Haryana 154 5,130.86 57,192
4. Delhi 9 66.33 924
5. Rajasthan 115 1,974.26 13,181
6. Uttarakhand 50 1,084.37 6,393
7. Uttar Pradesh 552 13,313.97 1,26,976
8. Chhattisgarh 20 1,629.22 3,174
9. Madhya Pradesh 11 760.08 2,062
10. Nagaland 3 15.78 45
11. Manipur 5 14.90 130
12. Assam 17 285.99 5,546
13. Bihar 21 184.33 1,450
14. West Bengal 866 13,602.15 73,155
15. Jharkhand 19 146.14 679
16. Odisha 82 573.75 2,346
17. Gujarat 489 8,988.34 37,478
18. Maharashtra 10 185.63 1,414
19. Andhra Pradesh 250 2,203.20 10,608
20. Telangana 4 41.24 698
21. Karnataka 294 10,080.88 28,462
22. Kerala 64 4,287.29 32,696
23. Tamil Nadu 191 6,973.56 26,444
Total 3,244 71,812.87 4,31,895Annexure-II
Annexure referred to in reply to part (d) of Lok Sabha Starred Question No. *405 for answer
on 21.08.2025.
State/UT-wise number of Khadi Institutions and disbursement of funds under Interest Subsidy
Eligibility Certificate (ISEC) Scheme
Cumulative number of Cumulative disbursement of
Sr.
State / UTs Khadi Institutions in last 3 funds in last 3 years
No.
years (Rs. in lakh)
1. Jammu & Kashmir 199 110.41
2. Himachal Pradesh 18 155.21
3. Punjab 22 23.16
4. Haryana 185 587
5. Delhi 12 14.98
6. Rajasthan 124 237.22
7. Uttarakhand 111 520.26
8. Uttar Pradesh 761 2,255.02
9. Chhattisgarh 30 131.70
10. Madhya Pradesh 12 30.53
11. Assam 10 17.38
12. Bihar 46 56.89
13. West Bengal 885 1,222.23
14. Jharkhand 4 6.38
15. Odisha 121 51.97
16. Gujarat 225 328.51
17. Maharashtra 13 12.80
18. Andhra Pradesh 258 314.98
19. Telangana 1 36.98
20. Karnataka 283 2,428.29
21. Kerala 39 920.90
22. Tamil Nadu 180 2,004.18
Total 3,539 11,467.07Annexure-III
Annexure referred to in reply to part (d) of Lok Sabha Starred Question No. *405 for answer
on 21.08.2025.
State/UT-wise number of artisans trained and benefitted under Gramodyog Vikas Yojana (GVY)
during last three years
Sr. No. State/ Union Territories Number of artisans
1 Jammu & Kashmir * 730
2 Himachal Pradesh 710
3 Punjab 560
4 Chandigarh (UT) 75
5 Haryana 1,674
6 Delhi 430
7 Rajasthan 3,300
8 Uttarakhand 715
9 Uttar Pradesh 6,064
10 Chhattisgarh 1,565
11 Madhya Pradesh 923
12 Sikkim 290
13 Arunachal Pradesh 940
14 Nagaland 900
15 Manipur 180
16 Mizoram 60
17 Tripura 88
18 Meghalaya 310
19 Assam 3,008
20 Bihar 2,511
21 West Bengal 1,745
22 Jharkhand 1,942
23 Odisha 2,551
24 Gujarat** 2,430
25 Maharashtra *** 3,435
26 Goa 240
27 Andhra Pradesh 1,651
28 Karnataka 3,065
29 Kerala**** 675
30 Tamil Nadu 3,010
31 Telangana 1,560
Under Panchgavya activities (RENTI) 212
Total 47,549
Including * Ladakh, **Daman & Diu, *** Dadra & Nagar Haveli and
****LakshadweepAnnexure-IV
Annexure referred to in reply to part (e) of Lok Sabha Starred Question No. *405 for answer
on 21.08.2025.
State/UT-wise number of persons trained under Capacity Building Programme during last
three years
Skill Development
Sr. No. State
Programme(SDP)
1 New Delhi 3,277
2 Jammu & Kashmir 4,464
3 Rajasthan 1,955
4 Punjab 560
5 Haryana 297
6 Bihar 7,890
7 Jharkhand 2,018
8 Odisha 4,258
9 West Bengal 4,805
10 Assam 3,288
11 Arunachal Pradesh 322
12 Manipur 540
13 Meghalaya 397
14 Tripura 233
15 Mizoram 1,800
16 Nagaland 922
17 Andhra Pradesh 2,323
18 Telangana 6,470
19 Karnataka 8,498
20 Kerala 9,050
21 Tamil Nadu 10,701
22 Gujarat 270
23 Goa 10
24 Maharashtra 20,921
25 Chhattisgarh 2,542
26 Madhya Pradesh 5,578
27 Uttar Pradesh 9,949
28 Uttarakhand 5,082
Total 1,18,420