Lok Sabha Question No. 1701 (UNSTARRED), answered on 2017-03-10
Subject: MUDRA Loan
Ministry: FINANCE
Asked by: B. SREERAMULU, RABINDRA KUMAR JENA, K. C. VENUGOPAL

## Government of India Ministry of Finance Department of Financial services LOK SABHA

## UNSTARRED QUESTION No. 1701

TO BE ANSWERED ON THE 10 th  March, 2017/ PHALGUNA 19, 1938 (SAKA)

## MUDRA Loan

## 1701.    SHRI B. SRIRAMULU, SHRI RABINDRA KUMAR JENA; and SHRI K.C.

## VENUGOPAL:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the achievements of the MUDRA scheme along with the positive impact of the scheme on the MSME sector;
- (b) whether  Mudra  Banks  have  disbursed  below  Rs.  2000  crore  to  banks  and  micro finance institutions so far out of Rs. 20000 crore corpus;
- (c) if so, the details thereof and the reasons therefor; and
- (d) the  details  of  beneficiaries  under  the  MUDRA  scheme  and  the  number  out  of  them being Start Up MSME's, state/UT-wise?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI SANTOSH KUMAR GANGWAR)

- (a) Rs. 249775.31 crores worth of loans have been disbursed to 6.53 crore borrowers under Pradhan Mantri Mudra Yojana (PMMY) since 8 th  April 2015 till 03 rd  March 2017. The PMMY has facilitated various changes in the landscape for lending to the Micro Small and  Medium  Enterprises  (MSME)  sector.  These,  inter-alia  include,  increased  access  to credit for the informal sector, facilitating timely working capital through Mudra Credit Card, helping build up credit histories of a large number of individual borrowers, reduced cost of credit  to  borrowers  of  Micro  Finance  Institutions  (MFIs)  and  Banks  through  refinance, supporting  banks  and  MFIs  to  increase  credit  off-take  to  small  and  first  time  businesses through credit guarantee etc.
- (b) &(c) Micro Units Development & Refinance Agency (MUDRA) Ltd has so far drawn Rs. 6,250 crore from Priority Sector shortfall and extended refinance of Rs.4801.06 crore (Rs.3494.81 crore to Public Sector Banks, Rs.339.25 crore to Regional Rural Banks and Rs.967 crore to MFIs.) out of this.
- (d) The details of borrowers (state/UT-wise) under PMMY are annexed . Data in respect of Start Up MSME is not maintained.

*****

| State/UT wise beneficiaries under Pradhan Mantri Mudra Yojana   | State/UT wise beneficiaries under Pradhan Mantri Mudra Yojana   | State/UT wise beneficiaries under Pradhan Mantri Mudra Yojana   | State/UT wise beneficiaries under Pradhan Mantri Mudra Yojana   | State/UT wise beneficiaries under Pradhan Mantri Mudra Yojana   |
|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|
| Sl. No.                                                         | State name                                                      | 2015- 16                                                        | 2016- 17 (as on 03.03.2017)                                     | Total                                                           |
| 1                                                               | Andaman and Nicobar Islands                                     | 24719                                                           | 2885                                                            | 27604                                                           |
| 2                                                               | Andhra Pradesh                                                  | 795688                                                          | 496605                                                          | 1292293                                                         |
| 3                                                               | Arunachal Pradesh                                               | 4625                                                            | 5560                                                            | 10185                                                           |
| 4                                                               | Assam                                                           | 427272                                                          | 679486                                                          | 1106758                                                         |
| 5                                                               | Bihar                                                           | 2451439                                                         | 2896064                                                         | 5347503                                                         |
| 6                                                               | Chandigarh                                                      | 22605                                                           | 12822                                                           | 35427                                                           |
| 7                                                               | Chhattisgarh                                                    | 639711                                                          | 673765                                                          | 1313476                                                         |
| 8                                                               | Dadra and Nagar Haveli                                          | 1236                                                            | 929                                                             | 2165                                                            |
| 9                                                               | Daman and Diu                                                   | 1109                                                            | 695                                                             | 1804                                                            |
| 10                                                              | Delhi                                                           | 394388                                                          | 176286                                                          | 570674                                                          |
| 11                                                              | Goa                                                             | 45471                                                           | 24745                                                           | 70216                                                           |
| 12                                                              | Gujarat                                                         | 1086407                                                         | 788278                                                          | 1874685                                                         |
| 13                                                              | Haryana                                                         | 745535                                                          | 606693                                                          | 1352228                                                         |
| 14                                                              | Himachal Pradesh                                                | 85564                                                           | 70605                                                           | 156169                                                          |
| 15                                                              | Jammu and Kashmir                                               | 57974                                                           | 76990                                                           | 134964                                                          |
| 16                                                              | Jharkhand                                                       | 872868                                                          | 780734                                                          | 1653602                                                         |
| 17                                                              | Karnataka                                                       | 4459609                                                         | 3194582                                                         | 7654191                                                         |
| 18                                                              | Kerala                                                          | 830411                                                          | 762165                                                          | 1592576                                                         |
| 19                                                              | Lakshadweep                                                     | 740                                                             | 414                                                             | 1154                                                            |
| 20                                                              | Madhya Pradesh                                                  | 2511191                                                         | 2195822                                                         | 4707013                                                         |
| 21                                                              | Maharashtra                                                     | 3535065                                                         | 2608372                                                         | 6143437                                                         |
| 22                                                              | Manipur                                                         | 24021                                                           | 14233                                                           | 38254                                                           |
| 23                                                              | Meghalaya                                                       | 19151                                                           | 17075                                                           | 36226                                                           |
| 24                                                              | Mizoram                                                         | 7772                                                            | 5793                                                            | 13565                                                           |
| 25                                                              | Nagaland                                                        | 5134                                                            | 4745                                                            | 9879                                                            |
| 26                                                              | Odisha                                                          | 2343261                                                         | 2055223                                                         | 4398484                                                         |
| 27                                                              | Pondicherry                                                     | 82866                                                           | 108244                                                          | 191110                                                          |
| 28                                                              | Punjab                                                          | 653973                                                          | 739640                                                          | 1393613                                                         |
| 29                                                              | Rajasthan                                                       | 1159819                                                         | 893615                                                          | 2053434                                                         |
| 30                                                              | Sikkim                                                          | 6889                                                            | 15578                                                           | 22467                                                           |
| 31                                                              | Tamil Nadu                                                      | 4781567                                                         | 4373825                                                         | 9155392                                                         |
| 32                                                              | Telangana                                                       | 400761                                                          | 195592                                                          | 596353                                                          |
| 33                                                              | Tripura                                                         | 68146                                                           | 72560                                                           | 140706                                                          |
| 34                                                              | Uttar Pradesh                                                   | 3345382                                                         | 2859027                                                         | 6204409                                                         |
| 35                                                              | Uttarakhand                                                     | 360007                                                          | 239747                                                          | 599754                                                          |
| 36                                                              | West Bengal                                                     | 2628548                                                         | 2802101                                                         | 5430649                                                         |
| Total                                                           | Total                                                           | 34880924                                                        | 30451495                                                        | 65332419                                                        |