Lok Sabha Question No. 3229 (UNSTARRED), answered on 2019-12-09
Subject: MUDRA Scheme
Ministry: FINANCE
Asked by: Karti P. Chidambaram, S. Jothimani, Vincent H Pala, Unmesh Bhaiyyasaheb Patil, Gaddam Ranjith Reddy, Manoj Rajoria, Ashok Kumar Rawat

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UN-STARRED QUESTION NO.3229

ANSWERED ON 09.12.2019/ AGRAHAYANA, 18 1941 (Saka)

## MUDRA Scheme

## QUESTION

3229.  SHRI  KARTI  P.  CHIDAMBARAM:  MS.S.  JOTHIMANI:  SHRI  VINCENT  H.  PALA:  SHRI UNMESH BHAIYYASAHIB PATIL: DR. G. RANJITH REDDY: DR. MANOJ RAJORIA: SHRI ASHOK KUMAR RAWAT:

Will the Minister of FINANCE be pleased to state:

- (a) the number of jobs created through MUDRA Scheme since its inception and present status of the Scheme across the country;
- (b) whether the Government has set any target for disbursement of loans under the said Scheme in the country;
- (c) if so, whether the Government has prescribed any binding provisions for the banks not able to achieve the said targets, if so, the details thereof including the action taken against the banks showing carelessness in disbursing the said loans;
- (d) whether the  Government has  received  any complaint  regarding  irregularities  or  denial  of loans under the said Scheme in the country, if so, the details thereof and the corrective steps taken by the Government in this regard; and
- (e) whether the Government proposes to emphasize on its extensive publicity to make MDURA loans disbursement hassle-free by minimizing the paper work, if so, the details thereof including the number  of  beneficiaries  in  different  categories  under  the  said  Yojana  in  the  country  since  its inception till date, year, category and State-wise including Tamil Nadu and Telangana?

## ANSWER

## Minister of State in the Ministry of Finance

## (SHRI ANURAG SINGH THAKUR)

- (a) :  As on 25.10.2019, over 20.65 crore loans have been extended under Pradhan Mantri Mudra Yojana (PMMY). Though data on jobs generated under the PMMY scheme is not maintained, a sample survey conducted by Ministry of Labour and Employment (MoLE) estimates that PMMY helped in generation of 1.12 crore net additional employment during a period of approximately 3 years ( i.e. from 2015 to 2018).
- (b) and (c) : Government allocates annual targets regarding the amount to be sanctioned under Pradhan  Mantri  Mudra  Yojana  (PMMY)  to  Member  Lending  Institutions  (MLIs) i.e. Scheduled Commercial  Banks  (SCBs),  Regional  Rural  Banks  (RRBs),  Non  Banking  Financial  Companies (NBFCs) and Micro Finance Institutions  (MFIs).  For  the  current  financial  year  (FY),  a  target  of sanction of Rs. 3.25 lakh crore has been fixed for MLIs. The national level targets under the PMMY scheme have been consistently met since inception of the scheme.

As  part  of  Enhanced  Access  and  Service  Excellence  (EASE)  framework,  performance  of  each Public  Sector  Bank  (PSB)  is  evaluated  on  the  basis  of  100+  metrics  which  include, inter-alia, performance on Mudra loans. Performance in EASE related reforms index has  also been given weightage in annual performance appraisal of Whole Time Directors (WTDs) and of officers up to two  levels  below  WTDs.  The  performance  of  PSBs  with  regard  to  PMMY  is  also  monitored periodically.

(d)  :  Any  complaints  received  in  respect  of  implementation  of  PMMY  including  denial  of  loan applications, delay in turn-around-time (TAT) and lenders' insisting on collateral/guarantor on certain occasions, are redressed in coordination with the respective banks.

-  (e) : Government has taken a number of steps for making PMMY loans disbursement hassle-free and minimising paper work, including, inter-alia , the following :
-  provision for online applications through psbloansin59minutes and udyamimitra portal.
-  intensive publicity campaigns for increased visibility of the scheme for lenders and borrowers.
-  simplification of application forms.
-  nomination of Mudra Nodal officers in PSBs.
-  PSBs  have  also  been  advised  to  maintain  regular  and  intensive  contact  with  PMMY borrowers.

State-wise  and  Category-wise  details  regarding  the  number  of  loans  sanctioned  year-wise  are placed at Annexure -1 and Annexure - 2 respectively.

| Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        | Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        | Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        | Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        | Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        | Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        | Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        | Annexure-1 referred to in reply to part (e) of Lok Sabha Starred Question No. 3229 for answer on 09.12.2019        |
|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|
| State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] | State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] | State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] | State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] | State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] | State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] | State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] | State-UT wise detail of number of loans sanctioned under PMMY, since inception of the scheme [Amount in Rs. crore] |
|                                                                                                                    |                                                                                                                    | FY 2015-16                                                                                                         | FY 2016-17                                                                                                         | FY 2017-18                                                                                                         | FY 2018-19                                                                                                         | FY 2019-20 (as on 25.10.2019)                                                                                      | Total                                                                                                              |
| SrNo                                                                                                               | State Name                                                                                                         | Noof accounts for which loans sanctioned                                                                           | Noof accounts for which loans sanctioned                                                                           | Noof accounts for which loans sanctioned                                                                           | Noof accounts for which loans sanctioned                                                                           | Noof accounts for which loans sanctioned                                                                           | Noof accounts for which loans sanctioned                                                                           |
| 1                                                                                                                  | Andaman &Nicobar Islands                                                                                           | 24719                                                                                                              | 3353                                                                                                               | 3829                                                                                                               | 3722                                                                                                               | 738                                                                                                                | 36361                                                                                                              |
| 2                                                                                                                  | Andhra Pradesh                                                                                                     | 795688                                                                                                             | 587569                                                                                                             | 801845                                                                                                             | 782707                                                                                                             | 346280                                                                                                             | 3314089                                                                                                            |
| 3                                                                                                                  | Arunachal Pradesh                                                                                                  | 4625                                                                                                               | 6109                                                                                                               | 11004                                                                                                              | 14455                                                                                                              | 1605                                                                                                               | 37798                                                                                                              |
| 4                                                                                                                  | Assam                                                                                                              | 427272                                                                                                             | 1255754                                                                                                            | 1713004                                                                                                            | 2422968                                                                                                            | 618362                                                                                                             | 6437360                                                                                                            |
| 5                                                                                                                  | Bihar                                                                                                              | 2451439                                                                                                            | 3756716                                                                                                            | 4314861                                                                                                            | 5999640                                                                                                            | 2375186                                                                                                            | 18897842                                                                                                           |
| 6                                                                                                                  | Chandigarh                                                                                                         | 22605                                                                                                              | 19039                                                                                                              | 18257                                                                                                              | 30015                                                                                                              | 13977                                                                                                              | 103893                                                                                                             |
| 7                                                                                                                  | Chhattisgarh                                                                                                       | 639711                                                                                                             | 884941                                                                                                             | 962079                                                                                                             | 1201572                                                                                                            | 396768                                                                                                             | 4085071                                                                                                            |
| 8                                                                                                                  | Dadra &NagarHaveli                                                                                                 | 1236                                                                                                               | 2587                                                                                                               | 3408                                                                                                               | 2900                                                                                                               | 504                                                                                                                | 10635                                                                                                              |
| 9                                                                                                                  | Daman &Diu                                                                                                         | 1109                                                                                                               | 774                                                                                                                | 1086                                                                                                               | 681                                                                                                                | 403                                                                                                                | 4053                                                                                                               |
| 10                                                                                                                 | Delhi                                                                                                              | 394388                                                                                                             | 224975                                                                                                             | 241797                                                                                                             | 737717                                                                                                             | 372186                                                                                                             | 1971063                                                                                                            |
| 11                                                                                                                 | Goa                                                                                                                | 45471                                                                                                              | 31289                                                                                                              | 39397                                                                                                              | 44781                                                                                                              | 16244                                                                                                              | 177182                                                                                                             |
| 12                                                                                                                 | Gujarat                                                                                                            | 1086407                                                                                                            | 1103453                                                                                                            | 1501226                                                                                                            | 1826207                                                                                                            | 761409                                                                                                             | 6278702                                                                                                            |
| 13                                                                                                                 | Haryana                                                                                                            | 745535                                                                                                             | 716622                                                                                                             | 786328                                                                                                             | 1081972                                                                                                            | 554503                                                                                                             | 3884960                                                                                                            |
| 14                                                                                                                 | Himachal Pradesh                                                                                                   | 85564                                                                                                              | 82851                                                                                                              | 91992                                                                                                              | 119595                                                                                                             | 50219                                                                                                              | 430221                                                                                                             |
| 15                                                                                                                 | Jammu &Kashmir                                                                                                     | 57974                                                                                                              | 89712                                                                                                              | 103125                                                                                                             | 133078                                                                                                             | 81212                                                                                                              | 465101                                                                                                             |
| 16                                                                                                                 | Jharkhand                                                                                                          | 872868                                                                                                             | 1023593                                                                                                            | 1212671                                                                                                            | 1436968                                                                                                            | 674293                                                                                                             | 5220393                                                                                                            |
| 17                                                                                                                 | Karnataka                                                                                                          | 4459609                                                                                                            | 3933578                                                                                                            | 4568493                                                                                                            | 5806936                                                                                                            | 2285241                                                                                                            | 21053857                                                                                                           |
| 18                                                                                                                 | Kerala                                                                                                             | 830411                                                                                                             | 982260                                                                                                             | 2289805                                                                                                            | 2121319                                                                                                            | 890697                                                                                                             | 7114492                                                                                                            |
| 19                                                                                                                 | Lakshadweep                                                                                                        | 740                                                                                                                | 473                                                                                                                | 1044                                                                                                               | 626                                                                                                                | 419                                                                                                                | 3302                                                                                                               |
| 20                                                                                                                 | MadhyaPradesh                                                                                                      | 2511191                                                                                                            | 2683052                                                                                                            | 2899123                                                                                                            | 3282723                                                                                                            | 1376703                                                                                                            | 12752792                                                                                                           |
| 21                                                                                                                 | Maharashtra                                                                                                        | 3535065                                                                                                            | 3344154                                                                                                            | 3596620                                                                                                            | 4385981                                                                                                            | 1944806                                                                                                            | 16806626                                                                                                           |
| 22                                                                                                                 | Manipur                                                                                                            | 24021                                                                                                              | 21865                                                                                                              | 33186                                                                                                              | 86139                                                                                                              | 8570                                                                                                               | 173781                                                                                                             |
| 23                                                                                                                 | Meghalaya                                                                                                          | 19151                                                                                                              | 23915                                                                                                              | 28846                                                                                                              | 35574                                                                                                              | 15342                                                                                                              | 122828                                                                                                             |
| 24                                                                                                                 | Mizoram                                                                                                            | 7772                                                                                                               | 6973                                                                                                               | 12400                                                                                                              | 15858                                                                                                              | 2849                                                                                                               | 45852                                                                                                              |
| 25                                                                                                                 | Nagaland                                                                                                           | 5134                                                                                                               | 11051                                                                                                              | 14141                                                                                                              | 17448                                                                                                              | 1788                                                                                                               | 49562                                                                                                              |
| 26                                                                                                                 | Odisha                                                                                                             | 2343261                                                                                                            | 2606769                                                                                                            | 3470312                                                                                                            | 4164432                                                                                                            | 1474291                                                                                                            | 14059065                                                                                                           |
| 27                                                                                                                 | Pondicherry                                                                                                        | 82866                                                                                                              | 130360                                                                                                             | 150477                                                                                                             | 177772                                                                                                             | 75338                                                                                                              | 616813                                                                                                             |
| 28                                                                                                                 | Punjab                                                                                                             | 653973                                                                                                             | 705569                                                                                                             | 819836                                                                                                             | 1182936                                                                                                            | 657739                                                                                                             | 4020053                                                                                                            |
| 29                                                                                                                 | Rajasthan                                                                                                          | 1159819                                                                                                            | 1204837                                                                                                            | 1746748                                                                                                            | 2727579                                                                                                            | 1245804                                                                                                            | 8084787                                                                                                            |
| 30                                                                                                                 | Sikkim                                                                                                             | 6889                                                                                                               | 19865                                                                                                              | 21588                                                                                                              | 26688                                                                                                              | 5322                                                                                                               | 80352                                                                                                              |
| 31                                                                                                                 | Tamil Nadu                                                                                                         | 4781567                                                                                                            | 5309857                                                                                                            | 5860165                                                                                                            | 7440662                                                                                                            | 2791521                                                                                                            | 26183772                                                                                                           |
| 32                                                                                                                 | Telangana                                                                                                          | 400761                                                                                                             | 482694                                                                                                             | 789315                                                                                                             | 982204                                                                                                             | 528373                                                                                                             | 3183347                                                                                                            |
| 33                                                                                                                 | Tripura                                                                                                            | 68146                                                                                                              | 253807                                                                                                             | 399299                                                                                                             | 441114                                                                                                             | 148364                                                                                                             | 1310730                                                                                                            |
| 34 35                                                                                                              | Uttar Pradesh Uttarakhand                                                                                          | 3345382 360007                                                                                                     | 3337547 286579                                                                                                     | 4401217 254783                                                                                                     | 4975961                                                                                                            | 1974608 135835                                                                                                     | 18034715 1340544                                                                                                   |
| 36                                                                                                                 |                                                                                                                    | 2628548                                                                                                            | 4566505                                                                                                            | 4967286                                                                                                            | 5856048                                                                                                            | 2176340                                                                                                            |                                                                                                                    |
|                                                                                                                    | West Bengal                                                                                                        |                                                                                                                    |                                                                                                                    |                                                                                                                    | 303340                                                                                                             |                                                                                                                    | 20194727                                                                                                           |
|                                                                                                                    | Total                                                                                                              | 34880924                                                                                                           | 39701047                                                                                                           | 48130593                                                                                                           | 59870318                                                                                                           | 24003839                                                                                                           | 206586721                                                                                                          |

| Category-wise classification of the number of loans sanctioned under PMMY, since inception of the scheme Annexure-2 referred to in reply to part (e) of Lok Sabha Unstarred Question No. 3229 for answer on 09.12.2019   | Category-wise classification of the number of loans sanctioned under PMMY, since inception of the scheme Annexure-2 referred to in reply to part (e) of Lok Sabha Unstarred Question No. 3229 for answer on 09.12.2019   | Category-wise classification of the number of loans sanctioned under PMMY, since inception of the scheme Annexure-2 referred to in reply to part (e) of Lok Sabha Unstarred Question No. 3229 for answer on 09.12.2019   | Category-wise classification of the number of loans sanctioned under PMMY, since inception of the scheme Annexure-2 referred to in reply to part (e) of Lok Sabha Unstarred Question No. 3229 for answer on 09.12.2019   | Category-wise classification of the number of loans sanctioned under PMMY, since inception of the scheme Annexure-2 referred to in reply to part (e) of Lok Sabha Unstarred Question No. 3229 for answer on 09.12.2019   | Category-wise classification of the number of loans sanctioned under PMMY, since inception of the scheme Annexure-2 referred to in reply to part (e) of Lok Sabha Unstarred Question No. 3229 for answer on 09.12.2019   | Category-wise classification of the number of loans sanctioned under PMMY, since inception of the scheme Annexure-2 referred to in reply to part (e) of Lok Sabha Unstarred Question No. 3229 for answer on 09.12.2019   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                          |                                                                                                                                                                                                                          |                                                                                                                                                                                                                          |                                                                                                                                                                                                                          |                                                                                                                                                                                                                          |                                                                                                                                                                                                                          | [Amount in Rs. crore]                                                                                                                                                                                                    |
| Category                                                                                                                                                                                                                 | Noof accounts for which loans sanctioned                                                                                                                                                                                 | Noof accounts for which loans sanctioned                                                                                                                                                                                 | Noof accounts for which loans sanctioned                                                                                                                                                                                 | Noof accounts for which loans sanctioned                                                                                                                                                                                 | Noof accounts for which loans sanctioned                                                                                                                                                                                 | Noof accounts for which loans sanctioned                                                                                                                                                                                 |
| Shishu                                                                                                                                                                                                                   | 32401046                                                                                                                                                                                                                 | 36497813                                                                                                                                                                                                                 | 42669795                                                                                                                                                                                                                 | 51507438                                                                                                                                                                                                                 | 20865575                                                                                                                                                                                                                 | 183941667                                                                                                                                                                                                                |
| Kishore                                                                                                                                                                                                                  | 2069461                                                                                                                                                                                                                  | 2663502                                                                                                                                                                                                                  | 4653874                                                                                                                                                                                                                  | 6606009                                                                                                                                                                                                                  | 2506805                                                                                                                                                                                                                  | 18499651                                                                                                                                                                                                                 |
| Tarun                                                                                                                                                                                                                    | 410417                                                                                                                                                                                                                   | 539732                                                                                                                                                                                                                   | 806924                                                                                                                                                                                                                   | 1756871                                                                                                                                                                                                                  | 631459                                                                                                                                                                                                                   | 4145403                                                                                                                                                                                                                  |
| Total                                                                                                                                                                                                                    | 34880924                                                                                                                                                                                                                 | 39701047                                                                                                                                                                                                                 | 48130593                                                                                                                                                                                                                 | 59870318                                                                                                                                                                                                                 | 24003839                                                                                                                                                                                                                 | 206586721                                                                                                                                                                                                                |
| 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                                                                                                                                                                    | 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                                                                                                                                                                    | Source : As per data reported by MLIs on Mudra portal                                                                                                                                                                    |