Lok Sabha Question No. 188 (UNSTARRED), answered on 2019-11-18
Subject: MUDRA Loans
Ministry: FINANCE
Asked by: Saikia Dilip, S. Venkatesan, Ramesh Chander Kaushik, D.K. Suresh, Bache Gowda B.N.

GOVERNMENT OF INDIA

MINISTRY OF FINANCE

DEPARTMENT OF FINANCIAL SERVICES

LOK SABHA

UN-STARRED QUESTION NO. 188

## MUDRA Loans

188. SHRI DILIP SAIKIA: SHRI S. VENKATESAN: SHRI RAMESH CHANDER KAUSHIK: SHRI D. K. SURESH: SHRI B. N. BACHE GOWDA:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the amount of loan disbursed under Shishu, Kishor and Tarun categories of the Pradhan Mantri Mudra Yojana by various Public/Private Sector Banks, Regional Rural Banks and the Micro finance institutions and the number of beneficiaries thereof in the country during each of the last three years, category-wise and State-wise;
- (b) the number of scheduled castes and scheduled tribes who have been disbursed loan and the percentage of their share to the total loan disbursed under the said scheme during the said period;
- (c) whether the Government has set any target for loan disbursal under the said scheme during the said period, if so, the details thereof, State-wise; and
- (d) whether the Government has received any complaint regarding non-disbursal of MUDRA loan in a time-bound manner, if so, the details thereof along with the corrective steps taken by the Government in this regard?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI ANURAG SINGH THAKUR)

(a) Category-wise & State-wise details of loans disbursed by Member Lending Institutions (MLIs), which include Scheduled Commercial Banks, Regional Rural Banks, Micro Finance Institutions and Non Banking Finance Companies, under Pradhan Mantri Mudra Yojana (PMMY) during each of the last three years are placed at Annexure 1 and Annexure 2 respectively.

- (b) During the last three years [Financial Year (FY) 2016-17 to FY 2018-19], loans under PMMY have been sanctioned to a total of 3,27,67,442 loan accounts pertaining to borrowers from the scheduled castes and scheduled tribes, and an amount of Rs. 94,600 crore (13% of the total disbursals under PMMY) has been disbursed to scheduled caste and scheduled tribe borrowers.
- (c) Under PMMY, annual targets are assigned to MLIs by the Government. The target set for MLIs was Rs. 1,80,000 crore for FY 2016-17, Rs. 2,44,000 crore for FY 2017-18 and Rs. 3,00,000 crore for FY 2018-19. State/UT-wise targets are not allocated by the Government.
- (d) Government has been receiving complaints with regard to implementation of the Scheme from time to time including non-disbursal of loan in a time-bound manner. These are redressed in coordination with the respective MLIs as per extant instructions of Reserve Bank of India (RBI) and Government in this regard.

************

|          |                                           |                  |                                           |                   |                                           | Annexure -1      | Annexure -1      | Annexure -1      | Annexure -1      | Annexure -1      | Annexure -1      | Annexure -1      | Annexure -1      |
|----------|-------------------------------------------|------------------|-------------------------------------------|-------------------|-------------------------------------------|------------------|------------------|------------------|------------------|------------------|------------------|------------------|------------------|
|          | FY 2016-17                                | FY 2016-17       | FY 2017-18                                | FY 2017-18        | FY 2018-19                                | FY 2018-19       | FY 2018-19       | FY 2018-19       | FY 2018-19       | FY 2018-19       | FY 2018-19       | FY 2018-19       | FY 2018-19       |
| Category | No of accounts for which loans sanctioned | Disbursement Amt | No of accounts for which loans sanctioned | Disburseme nt Amt | No of accounts for which loans sanctioned | Disbursement Amt | Disbursement Amt | Disbursement Amt | Disbursement Amt | Disbursement Amt | Disbursement Amt | Disbursement Amt | Disbursement Amt |
|          |                                           | 83891.88         |                                           | 104228.05         | 51507438                                  |                  |                  |                  |                  |                  |                  |                  |                  |
| Shishu   | 36497813                                  | 51063.12         | 42669795                                  |                   |                                           | 139651.55        | 139651.55        | 139651.55        | 139651.55        | 139651.55        | 139651.55        | 139651.55        | 139651.55        |
| Kishore  | 2663502                                   | 40357.13         | 4653874                                   | 83197.09          | 6606009                                   | 99868            | 99868            | 99868            | 99868            | 99868            | 99868            | 99868            | 99868            |
| Tarun    | 539732                                    |                  | 806924                                    | 59012.25          | 1756871                                   | 72291.84         | 72291.84         | 72291.84         | 72291.84         | 72291.84         | 72291.84         | 72291.84         | 72291.84         |
| Total    | 39701047                                  | 175312.13        | 48130593                                  | 246437.4          | 59870318                                  | 311811.38        | 311811.38        | 311811.38        | 311811.38        | 311811.38        | 311811.38        | 311811.38        | 311811.38        |

Source : As per data reported by Member Lending Institutions (MLIs) on Mudra portal

2

## State-UT wise detail of loans extended under Pradhan Mantri Mudra Yojana for the last three years, year-wise

|       |                             |                                           |                   |                                           |                   | [Amount in Rs. crore]                     | [Amount in Rs. crore]   |
|-------|-----------------------------|-------------------------------------------|-------------------|-------------------------------------------|-------------------|-------------------------------------------|-------------------------|
|       |                             | FY 2016-17                                | FY 2016-17        | FY 2017-18                                | FY 2017-18        | FY 2018-19                                | FY 2018-19              |
| Sr No | State Name                  | No of accounts for which loans sanctioned | Disburseme nt Amt | No of accounts for which loans sanctioned | Disburseme nt Amt | No of accounts for which loans sanctioned | Disburseme nt Amt       |
| 1     | Andaman and Nicobar Islands | 3353                                      | 78.34             | 3829                                      | 100.26            | 3722                                      | 89.76                   |
| 2     | Andhra Pradesh              | 587569                                    | 5731.8            | 801845                                    | 10214.1           | 782707                                    | 10669.25                |
| 3     | Arunachal Pradesh           | 6109                                      | 78.67             | 11004                                     | 103.27            | 14455                                     | 114.16                  |
| 4     | Assam                       | 1255754                                   | 4824.54           | 1713004                                   | 6570.32           | 2422968                                   | 9798.33                 |
| 5     | Bihar                       | 3756716                                   | 11585.63          | 4314861                                   | 15396.75          | 5999640                                   | 23068.32                |
| 6     | Chandigarh                  | 19039                                     | 221.26            | 18257                                     | 409.15            | 30015                                     | 412.43                  |
| 7     | Chhattisgarh                | 884941                                    | 3209.86           | 962079                                    | 4501.48           | 1201572                                   | 5567.35                 |
| 8     | Dadra and Nagar Haveli      | 2587                                      | 22.61             | 3408                                      | 36.3              | 2900                                      | 43.91                   |
| 9     | Daman and Diu               | 774                                       | 12.08             | 1086                                      | 22.56             | 681                                       | 17.09                   |
| 10    | Delhi                       | 224975                                    | 3700.51           | 241797                                    | 4357.35           | 737717                                    | 5633.83                 |
| 11    | Goa                         | 31289                                     | 372.78            | 39397                                     | 484.45            | 44781                                     | 477.24                  |
| 12    | Gujarat                     | 1103453                                   | 7692.07           | 1501226                                   | 11202.52          | 1826207                                   | 12983.56                |
| 13    | Haryana                     | 716622                                    | 3697.59           | 786328                                    | 5745.03           | 1081972                                   | 7281.53                 |
| 14    | Himachal Pradesh            | 82851                                     | 1214.02           | 91992                                     | 1801.44           | 119595                                    | 2192.2                  |
| 15    | Jammu and Kashmir           | 89712                                     | 1663.51           | 103125                                    | 2514.84           | 133078                                    | 3320.97                 |
| 16    | Jharkhand                   | 1023593                                   | 3908.99           | 1212671                                   | 5233.05           | 1436968                                   | 6700.23                 |
| 17    | Karnataka                   | 3933578                                   | 17290.7           | 4568493                                   | 22500.67          | 5806936                                   | 29345.44                |
| 18    | Kerala                      | 982260                                    | 6140.44           | 2289805                                   | 9282.57           | 2121319                                   | 11967.11                |
| 19    | Lakshadweep                 | 473                                       | 4.51              | 1044                                      | 11.53             | 626                                       | 5.66                    |
| 20    | Madhya Pradesh              | 2683052                                   | 10191.91          | 2899123                                   | 14357.52          | 3282723                                   | 16792.33                |
| 21    | Maharashtra                 | 3344154                                   | 16976.76          | 3596620                                   | 22266.2           | 4385981                                   | 25741.99                |
| 22    | Manipur                     | 21865                                     | 142.47            | 33186                                     | 200.68            | 86139                                     | 344.22                  |
| 23    | Meghalaya                   | 23915                                     | 185.74            | 28846                                     | 212.04            | 35574                                     | 263.36                  |
| 24    | Mizoram                     | 6973                                      | 90.31 7600.68     | 12400                                     | 152.9 124.61      | 15858                                     | 215.86                  |
| 25    | Nagaland                    | 11051                                     | 103.83            | 14141                                     |                   | 17448                                     | 151.57                  |
| 26    | Odisha                      | 2606769                                   |                   | 3470312                                   | 11115.88          | 4164432                                   | 15284.62                |
| 27    | Pondicherry                 | 130360                                    | 485.49            | 150477                                    | 881.77            | 177772                                    | 1222.59                 |
| 28    | Punjab                      | 705569                                    | 4512.28           | 819836                                    | 6524.12           | 1182936                                   | 7975.54                 |
| 29    | Rajasthan                   | 1204837                                   | 8823.3            | 1746748                                   | 13503.76          | 2727579                                   | 17007.35                |
| 30    | Sikkim                      | 19865                                     | 96.54             | 21588                                     | 112.65            | 26688                                     | 202.38                  |
| 31    | Tamil Nadu                  | 5309857                                   | 17756.39          | 5860165                                   | 24980.92          | 7440662                                   | 33807.87                |
| 32    | Telangana                   | 482694                                    | 3780.49           | 789315                                    | 6430.81           | 982204                                    | 7660.88                 |
| 33    | Tripura                     | 253807                                    | 968.55            | 399299 4401217                            | 1460.6            | 441114 4975961                            | 1826.48                 |
| 34    | Uttar Pradesh               | 3337547                                   | 14753.59          |                                           | 21174.46          | 303340                                    | 24888.92                |
| 35    | Uttarakhand                 | 286579                                    | 1913.88           | 254783                                    | 2480.09           |                                           | 2844.74                 |
| 36    | West Bengal                 | 4566505 39701047                          | 15480.03          | 4967286                                   | 19970.76          | 5856048                                   | 25892.29                |
|       | All India                   |                                           | 175312.13         | 48130593                                  | 246437.4          | 59870318                                  | 311811.38               |

Source : As per data reported by Member Lending Institutions (MLIs) on Mudra portal