Date: 2025-12-01Category: Press ReleaseState: Union GovernmentCountry: India
The Government of India has taken a number of initiatives to provide support to Micro, Small and Medium Enterprises (MSMEs) for improving access to finance, timely payments and faster technology adoption
**Executive Summary**
The Government of India has undertaken several initiatives to support Micro, Small, and Medium Enterprises (MSMEs) to improve access to finance, timely payments, and technology adoption. A corpus of Rs. 9,000 crore was infused into the Credit Guarantee Fund Trust for MSEs. The monetary limit for onboarding corporates and CPSEs to the Trade Receivables Discounting System (TReDS) has been reduced to Rs. 250 crore.
**Key Points / Main Content**
* **Financial Support and Credit Enhancement:**
* Rs. 9,000 crore infused into Credit Guarantee Fund Trust for MSEs.
* Credit Guarantee Scheme (CGS) guarantee ceiling increased from Rs. 5 crore to Rs. 10 crore, effective April 1, 2025, with up to 90% guarantee coverage.
* Prime Minister's Employment Generation Programme offers Margin Money subsidy up to 35% for new micro-enterprises in the non-farm sector.
* Project costs: Rs. 50 lakh for Manufacturing enterprises, Rs. 20 lakh for Service enterprises.
* Self Reliant India (SRI) Fund set up to infuse Rs. 50,000 crore as equity funding for MSMEs with a provision of Rs. 10,000 crore from the Government of India.
* **Trade Receivables Discounting System (TReDS):**
* TReDS facilitates electronic financing of trade receivables of MSMEs.
* Monetary limit for onboarding Corporates and CPSEs reduced to Rs. 250 Crore, as per notification dated November 7, 2024.
* **Support for Artisans and Craftspeople:**
* PM Vishwakarma, launched September 17, 2023, provides end-to-end support to artisans and craftspeople in 18 traditional trades.
* Loans up to Rs. 3 lakh with interest subvention of up to 8% are included.
* **Facilitation and Dispute Resolution:**
* 161 Micro & Small Enterprises Facilitation Councils (MSEFCs) set up in States and UTs.
* SAMADHAAN Portal launched on October 30, 2017, to monitor outstanding dues to MSEs.
* Online Dispute Resolution (ODR) Portal launched on June 27, 2025, for digitized resolution of delayed payment cases.
* **Ease of Doing Business:**
* Udyam Registration Portal launched on July 1, 2020, for online, paperless registration based on self-declaration.
* Udyam Assist Platform launched on January 11, 2023, to bring Informal Micro Enterprises (IMEs) into the formal ambit.
* **Compliance and Regulatory Systems:**
* Compliance burden reduced per Notification S.O. 3237(E) dated August 11, 2021.
* National Single Window System developed, integrating existing clearance/regulatory systems.
**Impact Analysis**
**Stakeholder: MSMEs**
* **Impact:** Improved access to finance through increased credit availability, lower costs, and electronic trade receivable discounting. Enhanced support for artisans and craftspeople. Easier registration and reduced compliance burden.
* **Action Required:** Leverage available schemes, register on Udyam Portal, and utilize TReDS for improved financial management.
**Stakeholder: Corporates and CPSEs**
* **Impact:** Reduction in the monetary limit for onboarding on TReDS.
* **Action Required:** Adhere to the revised TReDS onboarding limits to facilitate MSME financing.
**Stakeholder: Government Departments and PSUs**
* **Impact:** Participation in TReDS to facilitate MSME financing.
* **Action Required:** Utilize TReDS for timely payment of MSME trade receivables.
**Stakeholder: Artisans and Craftspeople**
* **Impact:** Access to loans and interest subvention through the PM Vishwakarma scheme.
* **Action Required:** Apply for loans up to Rs. 3 lakh with interest subvention of up to 8%.
Key Entities Referenced
Micro, Small and Medium Enterprises (MSMEs): The core subject of the document, referring to businesses supported by various government initiatives.
Credit Guarantee Fund Trust for MSEs: Scheme to provide guarantee cover to loans extended to MSMEs.
Trade Receivables Discounting System (TReDS): Platform to facilitate financing of trade receivables for MSMEs.
PM Vishwakarma: Scheme to provide support to artisans and craftspeople.
Udyam Registration Portal: Portal for registration of MSMEs.
Ministry of Micro,Small & Medium Enterprises
The Government of India has taken a number of
initiatives to provide support to Micro, Small and
Medium Enterprises (MSMEs) for improving
access to finance, timely payments and faster
technology adoption
Rs. 9,000 Crore infused into the corpus of Credit Guarantee
Fund Trust for MSEs
161 Micro & Small Enterprises Facilitation Councils (MSEFCs)
set-up in States & UTs
Trade Receivables Discounting System (TReDS) to facilitate
financing of trade receivables of MSMEs electronically;
monetary limit for onboarding for Corporates and CPSEs
reduced to Rs. 250 Crore
प्रव तथ: 01 DEC 2025 2:47PM by PIB Delhi
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, timely payments and faster
technology adoption. Some of them are:
i. Under the Credit Guarantee Scheme (CGS) for Micro and Small Enterprises (MSEs) of
Ministry of MSME, additional corpus fund of Rs. 9,000 crore was infused into the corpus of
Credit Guarantee Fund Trust for MSEs, to enable an additional credit of Rs. 2.00 lakh crore,
at a reduced cost of credit. Further, the guarantee ceiling has been increased from Rs. 5 crore
to Rs. 10 crore (w.e.f. 01.04.2025) to MSEs, with guarantee coverage up to 90%, for various
category of loan under CGS.
ii. Prime Minister's Employment Generation Programme provides Margin Money subsidy
upto 35%, for setting up of new micro enterprises, in the non-farm sector with project cost of
Rs. 50 lakh and Rs. 20 lakh, for Manufacturing and Services enterprises, respectively.
iii. PM Vishwakarma, 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. The
Scheme includes provision of loans upto Rs. 3 lakh with interest subvention of max upto 8%.iv. Self Reliant India (SRI) Fund has been set up to infuse Rs. 50,000 crore as equity funding
in MSMEs, under this Fund, there is a provision of Rs. 10,000 crore from the Government of
India and Rs. 40,000 crore through Private Equity/Venture Capital Funds.
v. To ensure timely payment settlements for Micro and Small Enterprises (MSEs) across the
country, Ministry of MSME launched SAMADHAAN Portal on 30.10.2017 for monitoring of
the outstanding dues to the MSEs. 161 Micro & Small Enterprises Facilitation Councils
(MSEFCs) have so far been set-up in States/UTs. Ministry of MSME has launched Online
Dispute Resolution (ODR) Portal on 27.06.2025 to provide end-to-end digitized resolution of
the delayed payment cases.
vi. RBI issued guidelines for setting up and operating the Trade Receivables Discounting
System (TReDS) to facilitates the financing of trade receivables of MSMEs from corporate
and other buyers, including Government Departments and Public Sector Undertakings (PSUs)
through multiple financiers electronically. Five entities are presently operating TReDS. The
monetary limit for onboarding on TReDS for Corporates and CPSEs has been reduced to a
turnover of Rs. 250 Crore vide Notification dated 07.11.2024.
In order to promote technology upgradation in MSMEs sector, Ministry of Micro, Small and Medium
Enterprises (MSME) is implementing various Schemes which inter-alia include MSE-Cluster
Development Programme (Common Facility Centres), Tool Rooms / Technology Centres, Micro and
Small Enterprises (MSE) - Green Investment Financing for Transformation (GIFT) Scheme and MSME
Champions Scheme.
A number of steps have been taken to address regulatory hurdles and improve ease of doing business for
MSMEs by the Government as given below:
(i) Udyam Registration Portal was launched 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. The Ministry in association with Small Industries
Development Bank of India launched Udyam Assist Platform on 11.01.2023, for
bringing Informal Micro Enterprises (IMEs) into the formal ambit. This has helped the
registered IMEs to avail the benefits of Priority Sector Lending.
(ii) The Ministry of MSME reduced the Compliance Burden on business as well as on
citizens related to Public Procurement Policy for Micro and Small Enterprises Order,
2012 vide Notification No. S.O. 3237(E) dated 11.08.2021 as identified by the
Department for Promotion of Industry and Internal Trade (DPIIT).
(iii) As informed by DPIIT, National Single Window System has been developed,
which integrates the existing clearance/regulatory systems of various Ministries/
Departments of Government of India and State Governments.
This information was given by the MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM
ENTERPRISES (SUSHRI SHOBHA KARANDLAJE) in a written reply in Rajya Sabha today.
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