Lok Sabha Question No. 2931 (UNSTARRED), answered on 2018-08-03
Subject: Pradhan Mantri Mudra Yojana
Ministry: FINANCE
Asked by: RAJIV PRATAP RUDY, SHYAMA CHARAN GUPTA, RAVINDRA KUMAR PANDEY, VIRENDER KASHYAP

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA

## UN-STARRED QUESTION NO. 2931 TO BE ANSWERED ON FRIDAY, AUGUST 3, 2018 /SRAVANA 12,1940 (SAKA) 'Pradhan Mantri Mudra Yojana'

## QUESTION

2931. SHRI RAJIV PRATAP RUDY: SHRI SHYAMA CHARANGUPTA: SHRI RAVINDRA KUMARPANDEY: SHRI VIRENDER KASHYAP:

Will the Minister of FINANCEbe pleased to state:

- (a) the salient features of Pradhan Mantri Mudra Yojana along with target set and achievements made under the scheme so far State/UT-wise including Jharkhand;

- (b) the number of beneficiaries enrolled and availed loans under the MUDRA Yojana since inception along with the quantum of loan disbursed, Bank/ State/UT-wise including Jharkhand and Bihar;

- (c) whether small and medium level entrepreneurs are finding it more convenient to get loans from banks under MUDRA Yojana, if so, the details thereof;

- (d) whether any criteria has been fixed for providing loans under Pradhan Mantri Mudra Yojana by the banks and if so, the details thereof;

- (e) whether the cases have beenreported wherein some banks are not co- operating and demanding for collateral security to release MUDRA loan to the needy people; and

- (f)  if  so,  the  details  of  such  complaints  received  by  the  Government  along  with  theaction  taken  against  such  banks  for  not  adhering  to  the procedures laid down under the said scheme, State/UT-wise including Bihar?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF FINANCE

(SHRI SHIV PRATAP SHUKLA)

- (a)  to (f) : Salient features of Pradhan Mantri Mudra Yojana (PMMY) inter-alia include, extending institutional finance by providing loans uptoRs 10 lakh for manufacturing, processing, trading, services and activities allied to agriculture, provision of Mudra card for drawal of working capital, refinance facility for Member Lending Institutions   (MLIs), backing of credit guarantee  on portfolio basis etc.

State/UT-wise targets have not been fixed by Government.  Details of national year-wise target and achievement for PMMY are as under :

| FY      | Target                | Achievement           |
|---------|-----------------------|-----------------------|
|         | Amount (Rs. in crore) | Amount (Rs. in crore) |
| 2015-16 | 1,22,188              | 1,37,449              |
| 2016-17 | 1,80,000              | 1,80,529              |
| 2017-18 | 2,44,000              | 2,53,677              |

Banks/State/UT-wise details of loans sanctioned by MLIs including for Jharkhand and Bihar is at Annexure I andAnnexure II

Government have taken various steps towards effective implementation of PMMY and easing the loan process. These, inter alia, include provision for online applications through www.udyamimitra.in, intensive publicity campaigns, simplification of application forms, Credit Guarantee Scheme, refinance facility, nomination of Mudra Nodal Officers, handholding support and convergence with existing Government Schemes etc.

Any citizen  who  is  otherwise  eligible  to  take  loan  and  has  a  business  plan  for  a  non-farm  income  generating  activity  such  as  manufacturing, processing, trading or service sector and whose credit need is upto Rs.10 lakh is eligible for loan under PMMY. Borrowers need to approach the nearest bank branch or apply online and submit the loan application, in the prescribed format, along with the required supporting documents for availing the loan.

Government have been receiving complaints with regard to implementation of PMMY from time to time including difficulties in obtaining loans or demanding of collateral. These are redressed in coordination with the respective banks. Details of such complaints relating to denial of loans or demand for collateral are not maintained centrally.

Annexure-I

| Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   | Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3 rd August, 2018   |
|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|
| State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | State/UT-wise number of loans and amount sanctioned under PMMY                                        | Amount in crore                                                                                       | Amount in crore                                                                                       |
|                                                                                                       | 2015-16                                                                                               | 2015-16                                                                                               | 2016-17                                                                                               | 2016-17                                                                                               | 2017-18                                                                                               | 2017-18                                                                                               | 2018-19 (27.07.2018)                                                                                  | 2018-19 (27.07.2018)                                                                                  | Cumulative                                                                                            | Cumulative                                                                                            |
| State                                                                                                 | No. of Accounts                                                                                       | Sanction Amt                                                                                          | No. of Accounts                                                                                       | Sanction Amt                                                                                          | No. of Accounts                                                                                       | Sanction Amt                                                                                          | No. of Accounts                                                                                       | Sanction Amt                                                                                          | No. of Accounts                                                                                       | Sanction Amt                                                                                          |
| Andaman and Nicobar Islands                                                                           | 24719                                                                                                 | 218.36                                                                                                | 3353                                                                                                  | 80.15                                                                                                 | 3829                                                                                                  | 102.66                                                                                                | 465                                                                                                   | 20.72                                                                                                 | 32366                                                                                                 | 421.89                                                                                                |
| Andhra Pradesh                                                                                        | 795688                                                                                                | 6104.14                                                                                               | 587569                                                                                                | 6078.01                                                                                               | 801845                                                                                                | 10902.51                                                                                              | 162490                                                                                                | 2583.75                                                                                               | 2347592                                                                                               | 25668.41                                                                                              |
| Arunachal Pradesh                                                                                     | 4625                                                                                                  | 74.38                                                                                                 | 6109                                                                                                  | 81.46                                                                                                 | 11004                                                                                                 | 109.5                                                                                                 | 652                                                                                                   | 21.84                                                                                                 | 22390                                                                                                 | 287.18                                                                                                |
| Assam                                                                                                 | 427272                                                                                                | 1817.62                                                                                               | 1255754                                                                                               | 4908.3                                                                                                | 1713004                                                                                               | 6669.74                                                                                               | 205955                                                                                                | 939.19                                                                                                | 3601985                                                                                               | 14334.85                                                                                              |
| Bihar                                                                                                 | 2451439                                                                                               | 7553.83                                                                                               | 3756716                                                                                               | 12190.6                                                                                               | 4314861                                                                                               | 15919.4                                                                                               | 1041541                                                                                               | 4118.07                                                                                               | 11564557                                                                                              | 39781.9                                                                                               |
| Chandigarh                                                                                            | 22605                                                                                                 | 212.42                                                                                                | 19039                                                                                                 | 229.01                                                                                                | 18257                                                                                                 | 419.98                                                                                                | 3865                                                                                                  | 87.07                                                                                                 | 63766                                                                                                 | 948.48                                                                                                |

| Chhattisgarh           |   639711 |    2265.5 |   884941 |   3334.27 |   962079 |   4747.29 |   196001 |   1079.6 |   2682732 |   11426.66 |
|------------------------|----------|-----------|----------|-----------|----------|-----------|----------|----------|-----------|------------|
| Dadra and Nagar Haveli |     1236 |     21.72 |     2587 |     23.49 |     3408 |     36.79 |      143 |     4.04 |      7374 |      86.04 |
| Daman and Diu          |     1109 |     12.43 |      774 |     12.61 |     1086 |     23.55 |      153 |     4.79 |      3122 |      53.38 |
| Delhi                  |   394388 |   2947.68 |   224975 |   3762.95 |   241797 |   4450.15 |    53239 |   905.41 |    914399 |   12066.2  |
| Goa                    |    45471 |    399.33 |    31289 |    390.2  |    39397 |    499.27 |     7460 |   110.19 |    123617 |    1398.99 |
| Gujarat                |  1086407 |   6034.73 |  1103453 |   7781.94 |  1501226 |  11386.5  |   323426 |  2183.08 |   4014512 |   27386.3  |
| Haryana                |   745535 |   3259.27 |   716622 |   3843.53 |   786328 |   5940.4  |   224833 |  1614.24 |   2473318 |   14657.4  |
| Himachal Pradesh       |    85564 |    998.78 |    82851 |   1281.72 |    91992 |   1900.55 |    32618 |   654.3  |    293025 |    4835.35 |
| Jammu and Kashmir      |    57974 |   1185.13 |    89712 |   1845.37 |   103125 |   2586.8  |    33753 |   945.1  |    284564 |    6562.4  |
| Jharkhand              |   872868 |   2944.33 |  1023593 |   4004.13 |  1212671 |   5410.4  |   339708 |  1586.56 |   3448840 |   13945.4  |
| Karnataka              |  4459609 |  16861.3  |  3933578 |  18002.5  |  4568493 |  23009.7  |  1213056 |  5966.7  |  14174736 |   63840.3  |
| Kerala                 |   830411 |   4857.68 |   982260 |   6288.62 |  2289805 |   9459.97 |   498943 |  2712.54 |   4601419 |   23318.8  |
| Lakshadweep            |      740 |      6.58 |      473 |      5.64 |     1044 |     12.95 |      161 |     1.94 |      2418 |      27.11 |
| Madhya Pradesh         |  2511191 |   8096.74 |  2683052 |  10506.5  |  2899123 |  14886.1  |   699792 |  3369.26 |   8793158 |   36858.6  |
| Maharashtra            |  3535065 |  13806.5  |  3344154 |  17286.7  |  3596620 |  22751.4  |   971398 |  5184.46 |  11447237 |   59029    |
| Manipur                |    24021 |    131.42 |    21865 |    156.05 |    33186 |    219.59 |     2116 |    35.72 |     81188 |     542.78 |
| Meghalaya              |    19151 |    166.48 |    23915 |    189.97 |    28846 |    216.25 |     4061 |    40.35 |     75973 |     613.05 |
| Mizoram                |     7772 |     86.5  |     6973 |    101.2  |    12400 |    157.62 |     3438 |    67.5  |     30583 |     412.82 |
| Nagaland               |     5134 |     85.89 |    11051 |    114.06 |    14141 |    135.98 |      753 |    23.73 |     31079 |     359.66 |
| Odisha                 |  2343261 |   5694.86 |  2606769 |   7891.34 |  3470312 |  11558.9  |   964174 |  3629.71 |   9384516 |   28774.8  |
| Pondicherry            |    82866 |    337.84 |   130360 |    490.62 |   150477 |    895.16 |    38668 |   291.76 |    402371 |    2015.38 |
| Punjab                 |   653973 |   3572.42 |   705569 |   4640.84 |   819836 |   6723.82 |   234113 |  1891.47 |   2413491 |   16828.5  |
| Rajasthan              |  1159819 |   5484.95 |  1204837 |   9024.71 |  1746748 |  13862.5  |   500753 |  3141.03 |   4612157 |   31513.2  |
| Sikkim                 |     6889 |     59.53 |    19865 |     99.88 |    21588 |    116.3  |     2564 |    26.98 |     50906 |     302.69 |
| Tamil Nadu             |  4781567 |  15846.1  |  5309857 |  18052.7  |  5860165 |  25331.7  |  1323227 |  6115.32 |  17274816 |   65345.8  |
| Telangana              |   400761 |   3834.55 |   482694 |   3878.38 |   789315 |   6545.26 |    58520 |  1177.19 |   1731290 |   15435.4  |
| Tripura                |    68146 |    372.06 |   253807 |    999.42 |   399299 |   1484.96 |    57431 |   233.25 |    778683 |    3089.69 |
| Uttar Pradesh          |  3345382 |  12275.9  |  3337547 |  15282.6  |  4401217 |  22077.9  |   821135 |  5150.31 |  11905281 |   54786.7  |
| Uttarakhand            |   360007 |   1788.39 |   286579 |   1974.12 |   254783 |   2573.22 |    60290 |   642.58 |    961659 |    6978.31 |
| West Bengal            |  2628548 |   8033.88 |  4566505 |  15695    |  4967286 |  20552.2  |   992190 |  4168.8  |  13154529 |   48449.9  |
| TOTAL                  | 34880924 | 137449    | 39701047 | 180529    | 48130593 | 253677    | 11073085 | 60728.6  | 133785649 |  632383    |

Source: As per data reported by MLIs on Mudra portal

## Annexure referred to in reply to Lok Sabha Un-Starred Question 2931 for answer on 3rd August,2018

| Bank-wise number of loans and amount sanctioned underPMMY Amou   | Bank-wise number of loans and amount sanctioned underPMMY Amou   | Bank-wise number of loans and amount sanctioned underPMMY Amou   | Bank-wise number of loans and amount sanctioned underPMMY Amou   | Bank-wise number of loans and amount sanctioned underPMMY Amou   | Bank-wise number of loans and amount sanctioned underPMMY Amou   | Bank-wise number of loans and amount sanctioned underPMMY Amou   | Bank-wise number of loans and amount sanctioned underPMMY Amou   |
|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|
| Bank                                                             | 2015-16 Total                                                    | 2015-16 Total                                                    | 2016-17 Total                                                    | 2016-17 Total                                                    | 2017-18 Total                                                    | 2017-18 Total                                                    | FY 2018                                                          |
|                                                                  | No of Accounts                                                   | Sanction Amt                                                     | No of Accounts                                                   | Sanction Amt                                                     | No of Accounts                                                   | Sanction Amt                                                     | No of Acco                                                       |
| Allahabad Bank                                                   | 160041                                                           | 1798.86                                                          | 105324                                                           | 2189.15                                                          | 122469                                                           | 2799.73                                                          |                                                                  |
| Andhra Bank                                                      | 216094                                                           | 1730.26                                                          | 110261                                                           | 1782.18                                                          | 270517                                                           | 3388.97                                                          |                                                                  |
| Bank of Baroda                                                   | 224367                                                           | 1849.86                                                          | 164240                                                           | 3064.32                                                          | 228677                                                           | 5305.47                                                          |                                                                  |
| Bank of India                                                    | 376486                                                           | 3126.05                                                          | 224703                                                           | 4895.46                                                          | 362792                                                           | 5761.86                                                          |                                                                  |
| Bank of Maharashtra                                              | 87228                                                            | 1470.6                                                           | 64240                                                            | 1930.31                                                          | 64065                                                            | 2153.1                                                           |                                                                  |
| Bharatiya Mahila Bank                                            | 8350                                                             | 51.13                                                            | 7250                                                             | 52.22                                                            | Merged with SBI                                                  |                                                                  | Merged wit                                                       |
| Canara Bank                                                      | 790354                                                           | 7700.58                                                          | 410299                                                           | 5301.2                                                           | 513769                                                           | 7664.88                                                          | 1                                                                |
| Central Bank of India                                            | 508354                                                           | 1629.16                                                          | 75147                                                            | 1882.56                                                          | 120551                                                           | 2815.91                                                          |                                                                  |
| Corporation Bank                                                 | 151129                                                           | 1460.33                                                          | 90864                                                            | 2067.55                                                          | 109965                                                           | 2204.67                                                          |                                                                  |
| Dena Bank                                                        | 82591                                                            | 484.4                                                            | 73832                                                            | 623.57                                                           | 123440                                                           | 872.02                                                           |                                                                  |
| IDBI Bank Limited                                                | 167864                                                           | 1688.45                                                          | 151772                                                           | 1710.85                                                          | 112771                                                           | 1633.95                                                          |                                                                  |
| Indian Bank                                                      | 182841                                                           | 1514.87                                                          | 300498                                                           | 2263.34                                                          | 135595                                                           | 2185.61                                                          |                                                                  |
| Indian Overseas Bank                                             | 163854                                                           | 1011.32                                                          | 137760                                                           | 1625.94                                                          | 155527                                                           | 1956.34                                                          |                                                                  |
| Oriental Bank of Commerce                                        | 126314                                                           | 1329.03                                                          | 66882                                                            | 1891.56                                                          | 85240                                                            | 2424.34                                                          |                                                                  |

| Punjab & Sind Bank                                   | 111260                                               |                                                      | 477.48   | 33075           | 715.82 37496    | 1009.79   |            |
|------------------------------------------------------|------------------------------------------------------|------------------------------------------------------|----------|-----------------|-----------------|-----------|------------|
| Punjab National Bank                                 | 596839                                               | 3965.29                                              | 743204   | 6228.21         | 428397          | 6837.89 1 |            |
| State Bank of India                                  | 1031804                                              | 1374.11                                              |          | 1154324 16745.8 | 1410005         | 28790.9   | 1          |
| State Bank of Bikaner and Jaipur                     | 73402                                                | 12694.9                                              |          | 51767 1796.01   | Merged with SBI |           | Merged wit |
| State Bank of Hyderabad                              | 105515                                               | 1553.21                                              | 77424    | 1734.54         | Merged with SBI |           | Merged wit |
| State Bank of Mysore                                 | 37675                                                | 826.38                                               | 35232    | 981.18          | Merged with SBI |           | Merged wit |
| State Bank of Patiala                                | 32716                                                | 786.6                                                | 17224    | 817.44          | Merged with SBI |           | Merged wit |
| State Bank of Travancore                             | 19477                                                | 342.78                                               | 19835    | 523.88          | Merged with SBI |           | Merged wit |
| Syndicate Bank                                       | 311696                                               | 3293.7                                               | 166221   | 3208.11         | 185377          | 3945.3    |            |
| UCO Bank                                             | 562668                                               | 2293.28                                              | 195029   | 1700.13         | 241393          | 2669.97   |            |
| Union Bank of India                                  | 204729                                               | 1997.31                                              | 151779   | 2867.1          | 185137          | 4008.43   |            |
| United Bank of India                                 | 110462                                               | 1185.72                                              | 60802    | 1255.05         | 70545           | 1710.62   |            |
| Vijaya Bank                                          | 163467                                               | 2038.67                                              | 123149   | 2100.17         | 169946          | 2352.95   |            |
| Public Sector Banks                                  | 6607577                                              | 59674.3                                              | 4812137  | 71953.6         | 5133674         | 92492.7   | 9          |
| Private Sector Banks                                 | 3068133                                              | 20445.7                                              | 8821697  | 39042.6         | 10456769        | 49545.1   | 25         |
| Regional Rural Banks                                 | 1410787                                              | 11324.5                                              |          | 1446333 12009.5 | 1488209         | 15454.5   | 3          |
| SMALL FINANCE BANK                                   |                                                      | -                                                    | 2862723  | 6729            | 6430907         | 19022.9   | 12         |
| source: As per data reported by MLIs on Mudra portal | source: As per data reported by MLIs on Mudra portal | source: As per data reported by MLIs on Mudra portal |          |                 |                 |           |            |