Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | Is loan guarantee scheme serving the purpose? -Madan Sabnavis    </title>
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MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital

The Emergency Credit Line Guarantee Scheme (ECLGS) was one of the highlights of the economic package announced..."/>
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MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital

The Emergency Credit Line Guarantee Scheme (ECLGS) was one of the highlights of the economic package announced..." />
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                            <p style="text-align:justify">-The Hindu Business Line</p><p style="text-align:justify"><em>MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital</em></p><p style="text-align:justify">The Emergency Credit Line Guarantee Scheme (ECLGS) was one of the highlights of the economic package announced by the government in May, and it became operational on May 23. The scheme is basically a loan guarantee for all MSMEs which were operational as on February 29 with an outstanding of 25 crore (now 50 crore), where 20 per cent incremental credit up to 5 crore (now 10 crore) would be covered. These could be taken from banks, NBFCs and FIs. There have been regular updates provided on the progress of these loans. As of November 2, 2.03 lakh crore was sanctioned, of which, 1.48 lakh crore has been disbursed to 66.67 lakh units. This is impressive.</p><p style="text-align:justify">Some interesting observations can be made on this scheme and its progress. The first is that the scheme was to be on 20 per cent of outstanding loans, which as of end-February were around 12 lakh crore for banks. Hence banks can theoretically sanction around 2.4 lakh crore to this segment. NBFCs as of September 2019 had around 80,000 crore as outstanding to MSMEs in industry. Therefore, the sum of 3 lakh crore was quite generous. Given that the outstanding to sanction limits are around 75 per cent, a maximum of 2.25 lakh crore could be disbursed during this period which has been extended to end-November from end-October.</p><p style="text-align:justify">Please <a href="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece" title="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece">click here</a> to read more.</p><p style="text-align:justify">&nbsp;</p>                                                           
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    <br><a href="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece" class="re" target="_blank">The Hindu Business Line, 17 November, 2020, https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece</a><div class="clear"></div>
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MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital

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    <h1 class="cat-box-title">Is loan guarantee scheme serving the purpose? -Madan Sabnavis</h1>
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                            <p style="text-align:justify">-The Hindu Business Line</p><p style="text-align:justify"><em>MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital</em></p><p style="text-align:justify">The Emergency Credit Line Guarantee Scheme (ECLGS) was one of the highlights of the economic package announced by the government in May, and it became operational on May 23. The scheme is basically a loan guarantee for all MSMEs which were operational as on February 29 with an outstanding of 25 crore (now 50 crore), where 20 per cent incremental credit up to 5 crore (now 10 crore) would be covered. These could be taken from banks, NBFCs and FIs. There have been regular updates provided on the progress of these loans. As of November 2, 2.03 lakh crore was sanctioned, of which, 1.48 lakh crore has been disbursed to 66.67 lakh units. This is impressive.</p><p style="text-align:justify">Some interesting observations can be made on this scheme and its progress. The first is that the scheme was to be on 20 per cent of outstanding loans, which as of end-February were around 12 lakh crore for banks. Hence banks can theoretically sanction around 2.4 lakh crore to this segment. NBFCs as of September 2019 had around 80,000 crore as outstanding to MSMEs in industry. Therefore, the sum of 3 lakh crore was quite generous. Given that the outstanding to sanction limits are around 75 per cent, a maximum of 2.25 lakh crore could be disbursed during this period which has been extended to end-November from end-October.</p><p style="text-align:justify">Please <a href="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece" title="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece">click here</a> to read more.</p><p style="text-align:justify">&nbsp;</p>                                                           
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    <br><a href="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece" class="re" target="_blank">The Hindu Business Line, 17 November, 2020, https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece</a><div class="clear"></div>
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        LATEST NEWS UPDATES | Is loan guarantee scheme serving the purpose? -Madan Sabnavis    </title>
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MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital

The Emergency Credit Line Guarantee Scheme (ECLGS) was one of the highlights of the economic package announced..."/>
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MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital

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    <h1 class="cat-box-title">Is loan guarantee scheme serving the purpose? -Madan Sabnavis</h1>
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                            <p style="text-align:justify">-The Hindu Business Line</p><p style="text-align:justify"><em>MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital</em></p><p style="text-align:justify">The Emergency Credit Line Guarantee Scheme (ECLGS) was one of the highlights of the economic package announced by the government in May, and it became operational on May 23. The scheme is basically a loan guarantee for all MSMEs which were operational as on February 29 with an outstanding of 25 crore (now 50 crore), where 20 per cent incremental credit up to 5 crore (now 10 crore) would be covered. These could be taken from banks, NBFCs and FIs. There have been regular updates provided on the progress of these loans. As of November 2, 2.03 lakh crore was sanctioned, of which, 1.48 lakh crore has been disbursed to 66.67 lakh units. This is impressive.</p><p style="text-align:justify">Some interesting observations can be made on this scheme and its progress. The first is that the scheme was to be on 20 per cent of outstanding loans, which as of end-February were around 12 lakh crore for banks. Hence banks can theoretically sanction around 2.4 lakh crore to this segment. NBFCs as of September 2019 had around 80,000 crore as outstanding to MSMEs in industry. Therefore, the sum of 3 lakh crore was quite generous. Given that the outstanding to sanction limits are around 75 per cent, a maximum of 2.25 lakh crore could be disbursed during this period which has been extended to end-November from end-October.</p><p style="text-align:justify">Please <a href="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece" title="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece">click here</a> to read more.</p><p style="text-align:justify">&nbsp;</p>                                                           
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    <br><a href="https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece" class="re" target="_blank">The Hindu Business Line, 17 November, 2020, https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece</a><div class="clear"></div>
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Home हिन्दी

Is loan guarantee scheme serving the purpose? -Madan Sabnavis

Published on Nov 17, 2020   Modified on Nov 19, 2020

-The Hindu Business Line MSMEs are using funds from the Emergency Credit Line Guarantee Scheme more to pay off earlier loans than as growth capital The Emergency Credit Line Guarantee Scheme (ECLGS) was one of the highlights of the economic package announced by the government in May, and it became operational on May 23. The scheme is basically a loan guarantee for all MSMEs which were operational as on February 29 with an outstanding of 25 crore (now 50 crore), where 20 per cent incremental credit up to 5 crore (now 10 crore) would be covered. These could be taken from banks, NBFCs and FIs. There have been regular updates provided on the progress of these loans. As of November 2, 2.03 lakh crore was sanctioned, of which, 1.48 lakh crore has been disbursed to 66.67 lakh units. This is impressive. Some interesting observations can be made on this scheme and its progress. The first is that the scheme was to be on 20 per cent of outstanding loans, which as of end-February were around 12 lakh crore for banks. Hence banks can theoretically sanction around 2.4 lakh crore to this segment. NBFCs as of September 2019 had around 80,000 crore as outstanding to MSMEs in industry. Therefore, the sum of 3 lakh crore was quite generous. Given that the outstanding to sanction limits are around 75 per cent, a maximum of 2.25 lakh crore could be disbursed during this period which has been extended to end-November from end-October. Please click here to read more.

The Hindu Business Line, 17 November, 2020, https://www.thehindubusinessline.com/opinion/is-loan-guarantee-scheme-serving-the-purpose/article33119221.ece

Tagged with: Emergency Credit Line Guarantee Scheme ECLGS MSMEs Micro Small and Medium Enterprises NBFCs Banks

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