SIDBI's total indirect lending portfolio is ₹5.24 lakh crore as of 31.03.2026

The question asked the Ministry of Finance to state whether SIDBI has undertaken initiatives to improve credit flow to MSMEs, provide state-wise and district-wise data, and detail the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 and schemes for tribal areas.

Asked and answered by: Asked by Shri Rajiv Pratap Rudy and Shri Yogender Chandolia; Answered by the Ministry of Finance (Department of Financial Services).

What the government said

• SIDBI's total indirect lending portfolio is ₹5.24 Lakh crore as of 31.03.2026.
• SIDBI operates 167 branches for direct lending and uses digital platforms like GST Sahay and TReDS.
• ECLGS 5.0 was introduced in May 2026, providing 100% guarantee coverage for MSMEs and 90% for scheduled passenger airlines.
• ECLGS 5.0 targets an additional credit flow of ₹2,55,000 crore for MSMEs, non-MSMEs, and airlines.
• State-wise data for SIDBI refinance is not maintained, but direct credit data for the last five years is provided in Annexure I.
• Data for Pali district (Rajasthan) is provided in Annexure II, and data for Ratlam, Jhabua, and Alirajpur (Madhya Pradesh) is in Annexure III.
• The Ministry of Tribal Affairs implements schemes like NSTFDC, AMSY, and VCF-ST, with VCF-ST offering interest rates as low as 3.75% to 4%.

Also in the document

• The government stated that state-wise data regarding SIDBI's refinance to banks is not maintained, so specific refinance figures for states could not be provided.
• Lok Sabha Constituency-wise data is not maintained by SIDBI, though district-wise data for Pali was provided.
• The answer does not provide specific figures for the number of MSME units provided with loans in the specified Madhya Pradesh districts, referring instead to Annexure III for details.