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प्रधानमंत्री आवास योजना Prime Minister Awas Yojana (PMAY)
माननीय प्रधानमंत्री ने राष्ट्र की स्वतंत्रता के 75 वर्ष पूर्ण हो जाने पर वर्ष 2022 तक सभी के लिए आवास की परिकल्पना की है। इस उद्येश्य की प्राप्ति के लिए केन्द्र सरकार ने एंक व्यापक मिशन "2022 तक सबके लिए आवास" शुरू किया है। 25 जून 2015 को प्रधानमंत्री श्री नरेन्द्र मोदी ने इस बहुप्रतीक्षित योजना को प्रधानमंत्री आवास योजना के नाम से प्रारम्भ किया है।
Hon’ble Prime Minister envisioned housing for All by 2022 when the Nation completes 75 years of its Independence. In order to achieve this objective, Central Government has launched a comprehensive mission “Housing for All by 2022”. This much awaited scheme has been launched by the Prime Minister of India, Sh. Narendra Modi on 25th June, 2015 as Pradhan Mantri Awas Yojana.
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Loan Schemes for MSME by Various Banks

Loan schemes for MSMEs by various banks
GOVERNMENT OF INDIA
MINISTRY OF  FINANCE
RAJYA SABHA
UNSTARRED QUESTION NO-1990                                                      ANSWERED ON-15.03.2016

Loan schemes for MSMEs by various banks
Dr. Sanjay Sinh

(a) the various loan schemes in various banks to promote Micro, Small and Medium Enterprises (MSMEs); 
(b) whether any target is fixed bank-wise and region-wise in these schemes, if so, the details thereof;
(c) the number of proposals received in UP and Assam under above schemes during last two years, the number of proposals accepted and number of proposals rejected out of them; and
(d) the reasons for rejecting the proposals?

ANSWER

MINISTER OF STATE IN THE MINISTRY OF FINANCE
(a): Banks are implementing various schemes for promotion of Micro, Small and Medium Enterprises (MSMEs) which inter alia include Pradhan Mantri MUDRA Yojana (PMMY), Weavers'' Credit Card Scheme (WCC), Collateral free loans under Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE), Prime Minister''s Employment Generation Programme, National Urban Livelihood Mission (NULM). In addition, State Governments and Banks have their own schemes for working capital & term loans.

(b): Targets are fixed for the promotion of MSME as a whole, bank-wise & state-wise by the State Level Bankers’ Committee (SLBC). However, Government of India and Reserve Bank of India have, inter-alia, fixed the following targets to make bank credit more accessible to MSMEs:

Scheduled Commercial Banks (SCBs) have been advised to
Achieve a 20 per cent year-on-year growth in credit to Micro and Small Enterprises (MSE).
Allocate 60% of the MSE advances to the Micro Enterprises; and
Achieve a 10% annual growth in number of Micro Enterprise accounts.

According to Priority Sector Lending (PSL) guidelines revised in April 2015, a target of 7.5 percent of Adjusted Net Bank Credit (ANBC) or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for SCBs for lending to Micro Enterprises. This target is to be achieved in a phased manner i.e. 7 percent by March 2016 and 7.5 percent by March 2017. 

(c): (i) The status of proposal received, sanctioned/disbursed and rejected under Small & Micro categories in Uttar Pradesh during the last two years as compiled by SLBC UP are as under:

Financial Year No. of Applications received No. of Applications Disbursed Under Process No. of Applications Rejected
2014-15 317046 316745 182 119
2015-16 561787 557976 (Upto Dec. 2015) 3451 360

(ii) The status of proposal received, sanctioned/disbursed and rejected under Micro, Small & Medium categories in Assam during the last two years as compiled by SLBC Assam are as under:

Year No. of proposals received by all banks No. of proposals accepted by all banks No. of proposals rejected by all banks
2014-15 45835 41153 4682
2015-16 50757 47056 3701

(d): Banks have informed that the applications have been rejected broadly on the following grounds:
(i) The projects are not viable.
(ii) Applicant(s) are defaulters of a bank/other financial institutions.
(iii) Lack of basic infrastructure and absence of marketing facilities in the area do not permit the success of the projects.
(iv) Applicant has not obtained regulatory approvals or license in the cases where these are applicable.
(v) Applicant does not meet bank''s eligibility criteria etc.

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Source : [Rajyasabha]

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