Lok Sabha Question No. 883 (UNSTARRED), answered on 2018-12-14
Subject: PMMY
Ministry: FINANCE
Asked by: SUSHIL KUMAR SINGH, FEROZE VARUN GANDHI, VINOD KUMAR BOIANAPALLI, CHANDRAKANT BHAURAO KHAIRE

t883.

SHRI SUSHIL KUMAR SINGH:

SHRI FEROZE VARUN GANDHI:

SHRI B. VINOD KUMAR:

SHRI CHANDRAKANT KHAIRE:

Will the Minister of FINANCE be pleased to state

- (a) the details of the Pradhan Mantri Mudra Yojana (PMMY), including the quantum of loans sanctioned and number of people benefitted particularly in UttarPradesh, Maharashtra by Member Lending Institutions, State/UT-wise;
- (b) whether the Government has collected data regarding loan applications received under the PMMY and if so, the details of data generated thereof, State/UT-wise;
- (c) whether any criteria has been fixed for providing loans under PMMY by the banks and if the details thereof; SO ,
- thereof;
- (e) whether a large number of loan applications for availing MUDRA loan are pending in different banks of Bihar and other States and if so, the details thereof, State/UT-wise;
- whether any effective steps have been taken to create awareness about MUDRA loan and to sanction loan application within a fixed time period by banks and if so, the details thereof; and
- (g) whether the Government is contemplating or is already undertaking a study or a report to analyze the achievements and shortcomings of the scheme and if so, the details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (SHRI SHIV PRATAP SHUKLA)

- (a) to (c) The salient features of Pradhan Mantri Mudra Yojana (PMMY) inter-alia include , extending loans upto Rs 10 lakh for   manufacturing, processing, trading, services and activities allied to agriculture, provision of Mudra card for

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

## UN-STARRED QUESTION NO. 883 TO BE ANSWERED ON FRIDAY, DECEMBER 14,2018 / AGRAHAYANA 23, 1940(SAKA)

## PMMY

## QUESTION

drawal of working capital, refinance facility for Member Lending Institutions (MLIs) , baci of credit guarantee on portfolio basis etc.

State/UT-wise details of loans sanctioned by MLIs including for Uttar Pradesh, Maharashtra is at Annexure

Details of applications received for loans under PMMY are not centrally maintained: 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. Any

(d) Overdraft of Rs. 10,000/sanctioned under Pradhan Mantri Jan Dhan  Yojana (PMJDY) is also classified as a MUDRA loan. upto

(e ) & (f) Details of applications pending are not centrally maintained. Banks are required to adhere to timeliness as per extant guidelines of Banking Codes and Standards Board of India (BCSBI) in this regard.

The Government has taken various steps towards spreading awareness about the PMMY scheme These, inter alia, include intensive publicity campaigns through print media, TV , radio jingles, hoardings, town hall meetings, financial literacy and awareness camps, special drive for financial inclusion etc.

(g) Madam\_ No,

## Annexure-|

Annexure referred to in reply to Lok Sabha Un-Starred Question 883 for answer on 14/12/2018

## Amount Rs in Crore

State/UT-wise number of loans and amount sanctioned under PMMY from 08.04.2015 to 30.11.2018

| State                        |   No. of Accounts | Sanction Amt   |
|------------------------------|-------------------|----------------|
| Andaman and Nicobar Islands_ |             33783 | 446.89         |
| Andhra Pradesh               |           2575456 | 28511.62       |
| Arunachal Pradesh            |             30674 | 312.96         |
| Assam                        |           4402709 | 15964.08       |
| Bihar                        |          12810351 | 45045.76       |
| Chandigarh                   |             70506 | 1053.77        |
| Chhattisgarh                 |           2959032 | 12601.75       |
| Dadra and Nagar Haveli       |              7567 | 93.85          |
| Daman and Diu                |              3313 | 57.2           |
| Delhi                        |           1018108 | 13414.24       |
| Goa                          |            134380 | 1530.51        |
| Gujarat                      |           4420623 | 30468.01       |
| Haryana                      |           2725976 | 16435.21       |
| Himachal Pradesh             |            321780 | 5421.92        |
| Jammu and Kashmir            |            333898 | 7639.19        |
| Jharkhand                    |           3831620 | 15675.42       |
| Karnataka                    |          15453050 |                |
| Kerala                       |           5032643 | 25970.98       |
| Lakshadweep                  |              2661 | 29.84          |
| Madhya Pradesh               |           9618747 | 41256.58       |
| Maharashtra                  |          12610971 | 65733.41       |
| Manipur                      |            118526 | 647.16         |
| Meghalaya                    |             88245 | 675.85         |
| Mizoram                      |             34591 | 486.9          |
| Nagaland                     |             34234 | 390.77         |
| Odisha                       |          10472452 | 32762.21       |
| Pondicherry                  |            455074 | 2367.78        |
| Punjab                       |           2723092 | 19018.89       |
| Rajasthan                    |           5231843 | 35654.04       |
| Sikkim                       |             65553 | 353.57         |
| Tamil Nadu                   |          18945297 | 72759.59       |
| Telangana                    |           2004766 | 17167.94       |
| Tripura                      |            839445 | 3324.95        |
| Uttar Pradesh                |          12884791 | 61379.23       |
| Uttarakhand                  |           1033297 | 7782.94        |
| West Bengal                  |          14205852 | 52933.14       |
| TOTAL                        |         147534906 |                |

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