With the sanctioned amount still below the planned target, the Government’s Rs 3-lakh crore collateral-free loan scheme for MSMEs that was to end on October 30, has been extended by one month. But since the scheme was announced in May, we now have greater clarity on its performance and shortcomings. According to the data uploaded by member lending institutions on the Emergency Credit Line Guarantee Scheme (ECLGS) portal, an amount of Rs 2.03