Lok Sabha Question No. 4721 (UNSTARRED), answered on 2019-07-22
Subject: MUDRA Yojana
Ministry: FINANCE
Asked by: Mahabali Singh, Ramesh Chander Kaushik

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

## LOK SABHA UN-STARRED QUESTION NO. 4721

TO BE ANSWERED ON MONDAY, JULY 22, 2019 / ASHADHA 31, 1941(SAKA)

## MUDRA Yojana

4721. Shri. Mahabali Singh: Shri. Ramesh Chander Kaushik:

Will the Minister of FINANCE be pleased to state:

- (a) the present status of Pradhan Mantri MUDRA Yojana across the country;
- (b) whether  the  Government  has  set  any  target  for  banks  for  disbursement  of  loans  under  the MUDRA Yojana 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 which have shown carelessness in disbursing the said loans;
- (d) whether the Government has received any complaint regarding irregularities or denial of loans under the said yojana in the country, if so, the details thereof and the corrective steps taken by the Government in this regard, State-wise including Haryana; and
- (e) whether  the  Government  will  emphasise  on  its  extensive  publicity  to  make  MUDRA  Loans disbursement easy and simple along with minimising the paper work and if so, the details thereof ?

ANSWER

(MINISTER OF STATE IN THE MINISTRY OF FINANCE)

- (SHRI ANURAG SINGH THAKUR) (a) As on 12.07.2019, over 19.24 crore loans  amounting to Rs. 9.45 lakh crore have been extended to borrowers across the country under the Pradhan Mantri Mudra Yojana (PMMY), since  inception of the scheme. (b) Under  PMMY,  annual  targets  are  assigned  to  Member  Lending  Institutions  (MLIs)  including Banks. (c)   As part of Enhanced Access and Service Excellence (EASE) framework, performance of each Public  Sector  Bank  (PSB)  is  evaluated  on  basis  of  100+  metrics  which  include, inter-alia, performance on Mudra loans. Performance in EASE related reforms index has been given weightage in  annual  performance appraisal of Whole Time Directors (WTDs) and of officers up to two levels below WTDs. (d)   Government has been receiving complaints with regard to implementation of the Scheme from time to time including denial of loan facilities by the banks including in the state of Haryana. These are redressed in coordination with the respective banks as per extant instructions of Reserve Bank of India (RBI) and Government in this regard. (e)   Government has taken various steps towards effective implementation of the PMMY scheme. These, inter alia, include simplification of application forms, facility for on-line application for PMMY loans,  extension  of  PMMY  to  activities  allied  to  agriculture,  refinance  from  MUDRA  Ltd,  Credit Guarantee Scheme, nomination of Mudra Nodal Officers, weekly video conferences to monitor the
- progress, publicity campaigns etc.

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

Annexure - 1

| Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   | Annexure referred to in reply to part (b) of Lok Sabha Unstarred Question No. 4566 for answer on 22.07.2019                   |
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|                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               |                                                                                                                               | Amount in Rs. crore                                                                                                           | Amount in Rs. crore                                                                                                           |
| Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states | Category - wise Report of loans extended under Pradhan Mantri Mudra Yojana (08.04.2015 to 12.07.2019) in North Eastern states |
|                                                                                                                               |                                                                                                                               | SC                                                                                                                            | SC                                                                                                                            | ST                                                                                                                            | ST                                                                                                                            | OBC                                                                                                                           | OBC                                                                                                                           | Minority                                                                                                                      | Minority                                                                                                                      | WOMEN                                                                                                                         | WOMEN                                                                                                                         | TOTAL                                                                                                                         | TOTAL                                                                                                                         |
| Sr No                                                                                                                         | State Name                                                                                                                    | No Of A/Cs                                                                                                                    | Sanctio ned Amt                                                                                                               | No Of A/Cs                                                                                                                    | Sanction ed Amt                                                                                                               | No of A/c                                                                                                                     | Sanction ed Amt                                                                                                               | No of A/c                                                                                                                     | Sanction ed Amt                                                                                                               | No Of A/Cs                                                                                                                    | Sanction ed Amt                                                                                                               | No Of A/Cs                                                                                                                    | Sanctione d Amt                                                                                                               |
| 1                                                                                                                             | Arunachal Pradesh                                                                                                             | 1801                                                                                                                          | 9.58                                                                                                                          | 5666                                                                                                                          | 149.21                                                                                                                        | 958                                                                                                                           | 15.22                                                                                                                         | 2503                                                                                                                          | 78.75                                                                                                                         | 2896                                                                                                                          | 63.27                                                                                                                         | 36637                                                                                                                         | 397.25                                                                                                                        |
| 2                                                                                                                             | Assam                                                                                                                         | 345450                                                                                                                        | 1359.96                                                                                                                       | 233688                                                                                                                        | 933.55                                                                                                                        | 996988                                                                                                                        | 4035.86                                                                                                                       | 720096                                                                                                                        | 3115.98                                                                                                                       | 3324486                                                                                                                       | 11796.86                                                                                                                      | 5987085                                                                                                                       | 24158.56                                                                                                                      |
| 3                                                                                                                             | Manipur                                                                                                                       | 9138                                                                                                                          | 32.73                                                                                                                         | 14506                                                                                                                         | 111.89                                                                                                                        | 19343                                                                                                                         | 69.37                                                                                                                         | 7467                                                                                                                          | 120.66                                                                                                                        | 70413                                                                                                                         | 339.67                                                                                                                        | 169775                                                                                                                        | 917.29                                                                                                                        |
| 4                                                                                                                             | Meghalaya                                                                                                                     | 5366                                                                                                                          | 30.92                                                                                                                         | 38247                                                                                                                         | 279.76                                                                                                                        | 4960                                                                                                                          | 30.77                                                                                                                         | 26823                                                                                                                         | 279.45                                                                                                                        | 57238                                                                                                                         | 305.73                                                                                                                        | 112300                                                                                                                        | 881.08                                                                                                                        |
| 5                                                                                                                             | Mizoram                                                                                                                       | 2849                                                                                                                          | 10.25                                                                                                                         | 28439                                                                                                                         | 455.99                                                                                                                        | 337                                                                                                                           | 6.3                                                                                                                           | 5644                                                                                                                          | 132.97                                                                                                                        | 23444                                                                                                                         | 264.66                                                                                                                        | 45083                                                                                                                         | 622.98                                                                                                                        |
| 6                                                                                                                             | Nagaland                                                                                                                      | 634                                                                                                                           | 5.96                                                                                                                          | 8786                                                                                                                          | 181.59                                                                                                                        | 754                                                                                                                           | 6.24                                                                                                                          | 6677                                                                                                                          | 190.5                                                                                                                         | 30256                                                                                                                         | 206.19                                                                                                                        | 48448                                                                                                                         | 518.72                                                                                                                        |
| 7                                                                                                                             | Sikkim                                                                                                                        | 4791                                                                                                                          | 28.48                                                                                                                         | 5193                                                                                                                          | 64.54                                                                                                                         | 3817                                                                                                                          | 46.16                                                                                                                         | 5180                                                                                                                          | 70.86                                                                                                                         | 27728                                                                                                                         | 152.13                                                                                                                        | 77078                                                                                                                         | 506.02                                                                                                                        |
| 8                                                                                                                             | Tripura                                                                                                                       | 230068                                                                                                                        | 819.06                                                                                                                        | 218974                                                                                                                        | 799.60                                                                                                                        | 165781                                                                                                                        | 661.38                                                                                                                        | 94216                                                                                                                         | 380.84                                                                                                                        | 829265                                                                                                                        | 2953.37                                                                                                                       | 1210932                                                                                                                       | 4908.40                                                                                                                       |
| TOTAL                                                                                                                         |                                                                                                                               | 600097                                                                                                                        | 2296.92                                                                                                                       | 553499                                                                                                                        | 2976.12                                                                                                                       | 1192938                                                                                                                       | 4871.3                                                                                                                        | 868606                                                                                                                        | 4370.01                                                                                                                       | 4365726                                                                                                                       | 16081.88                                                                                                                      | 7687338                                                                                                                       | 32910.30                                                                                                                      |

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