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 by Shri Rajiv Pratap Rudy and Shri Yogender Chandolia; Answered by the Ministry of Finance (Department of Financial Services).
- 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%.
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Parliamentary Q&A
03.08.2026
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Document details
| Official title | Credit Flow to Micro, Small and Medium Enterprises |
| Source body | Parliament of India — Questions & Answers (Lok Sabha, starred) |
| Reference number | LS Q219 (Session 8) |
| Status | closed (question) |
| Year | 03.0 |
| Closing date | — |
| Documents | 1 |