Loan Sanction Under Stand-Up-India Scheme

Loan Sanction Under Stand-Up-India Scheme

GOVERNMENT OF INDIA 
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES

LOK SABHA 

UNSTARRED QUESTION No. 1700
ANSWERED ON THE March 2, 2020, 

Phalguna 12, 1941 (Saka)

LOAN UNDER STAND-UP INDIA SCHEME

SHRI MOHAMMED FAIZALP.P

Will the Minister of FINANCE be pleased to state:

(a) the details of the limit and eligibility criteria for loans under Stand-up India Scheme;

(b)the details of number of people benefited therefrom and the amount of fund spent thereon so far, State-wise;

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(c) the number of Green Field Projects being carried out successfully availing this loan and those which could not perform even after receiving loans; and

(d) the manner in which Government plans to avoid turning loans into Non-Performing Assets under the said scheme?

ANSWER

MINISTER OF STATE IN THE MINISTRY OF FINANCE 
(SHRI ANURAG SINGH THAKUR)

(a) Stand Up India (SUPI) scheme was launched by the Government on 5th April, 2016 to facilitate bank loans between Rs. 10 lakh and Rs. 1 crore to Scheduled Caste/Scheduled Tribe and women borrowers from Scheduled Commercial Banks (SCBs), for setting up greenfield enterprises in manufacturing, services or trading sectors.

(b) and (c) As on 25.02.2020, a total of 89,433 loans have been sanctioned for greenfield projects under SUPI since its inception, involving a total sanctioned amount of Rs. 20,051.4 crore. Out of these, as per information compiled by Small Industries Development Bank of India (SIDBI) through the www.standupmitra.in, portal, 1365 accounts have turned into non- performing assets (NPAs) as on 26.02.2020. State-wise details of loans sanctioned under the scheme, are placed at Annexure.
(d) Details of monitoring mechanism adopted by lenders regarding repayment  of  loans include, inter-alia, the following:
  • pre-sanction field visits to verify the details as provided in the loan application by the borrower and post-sanction visits for verification of assets created out of the loan amount.
  • collection of stock statement and its periodic verification with the stock lying at the unit of the borrower for fixing Drawing Power (DP) for working capital for a particular period.
  • periodic monitoring of cash flow data, to analyse how a unit spends its money (cash outflows) and from where a unit receives its money (cash inflows).
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  • monitoring of early warning signals (EWS), which throw up alerts for SCBs to respond to immediately early warning signals (EWS), which throw up alerts for SCBs to respond to immediately.
Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 1700 for answer on 02.03.2020
State-wise details of loans sanctioned under SUPI, as on 25.02.2020, since inception of the scheme.
[Amount in Rs. crore]
SL No
States/UTs
Total
No.of A/Cs Sanctioned Amt.
1 Andaman and Nicobar 121 22.98
2 Andhra Pradesh 5267 1272.59
3 Arunachal Pradesh 145 36.89
4 Assam 1387 294.82
5 Bihar 3094 582.43
6 Chandigarh 340 68.02
7 Chhattisgarh 2128 511.75
8 Dadra and Nagar Haveli 35 7.95
9 Daman and Diu 33 16.38
10 Delhi 2913 691.71
11 Goa 380 75.09
12 Gujarat 6172 1804.49
13 Haryana 3060 689.83
14 Himachal Pradesh 1128 222.95
15 Jammu and Kashmir 313 66.96
16 Jharkhand 1719 354.96
17 Karnataka 4914 1147.89
18 Kerala 2683 548.55
19 Ladakh 62 9.55
20 Lakshadweep 2 0.53
21 Madhya Pradesh 3552 808.66
22 Maharashtra 6683 1545.66
23 Manipur 163 32.81
24 Meghalaya 171 39.73
25 Mizoram 218 51.98
26 Nagaland 256 49.92
27 Odisha 2618 528.22
28 Puducherry 199 46.72
29 Punjab 2950 610.24
30 Rajasthan 4206 917.69
31 Sikkim 225 30.71
32 Tamil Nadu 8323 1916.87
33 Telangana 5423 1363.66
34 Tripura 157 29.03
35 Uttar Pradesh 11246 2277.59
36 Uttarakhand                                       1613 357.44
37 West Bengal 5534 1018.12
Total 89433 20051.4
Source:  As reported by Scheduled Commercial Banks on Stand Up Mitra portal (www.standupmitra.in)

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