Lok Sabha Question No. 734 (UNSTARRED), answered on 2022-12-12
Subject: MUDRA Loans to Women
Ministry: FINANCE
Asked by: Debasree Chaudhuri, Poonamben Hematbhai Maadam, Poonamben Hematbhai Maadam

## Minister of State in the Ministry of Finance (Dr. BHAGWAT KARAD)

(a) and (b)  As per data uploaded by Member Lending Institutions (MLIs) on Mudra portal, as on 25.11.2022, out of 37.76 crore loans over 25.84 crore loans, approx. 68%, have been extended to women borrowers under Pradhan Mantri  Mudra  Yojana  (PMMY)  since  inception  of  the  Scheme.  State/UT-wise  details  on  PMMY  beneficiaries (including Women) during each of last three financial years and the current year, including for  West Bengal and Gujarat are given in Annexure.

(c) to (d)  As per the extant guidelines, any individual who is otherwise eligible to take loan and has a business plan for a non-farm income generating activity such as manufacturing, processing, trading, services and activities allied to agriculture and whose credit need is upto Rs.10 lakh is eligible to avail credit under PMMY.

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## LOK SABHA

## UNSTARRED QUESTION NO. 734

ANSWERED ON DECEMBER 12, 2022/AGRAHAYANA 21, 1944 (SAKA)

## MUDRA Loans to Women

## 734.  MS. DEBASREE CHAUDHURI: SHRIMATI POONAMBEN MAADAM: SHRIMATI POONAM MAHAJAN:

Will the Minister of FINANCE be pleased to state:

- (a)  whether it  is a fact that 75 percent of  Pradhan Mantri Mudra Yojana (PMMY) beneficiaries are female;
- (b) if so, the details thereof along with the number of women beneficiaries in the country during each of the last three years and the current year, State/UT-wise including West Bengal and Gujarat;
- (c) whether employees in the unorganised sector can avail MUDRA loans and, if so, the details thereof; and
- (d)   whether the Government is considering any proposal to include unorganized sector employees to avail MUDRA loan and, if so, the details thereof along with the time by which a final decision is likely to be taken in this regard?

## ANSWER

| Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   | Annexure as referred to in Part (b) of Lok Sabha Unstarred Que No. 734 for reply on 12.12.2022   |
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|                                                                                                  |                                                                                                  | FY 2019-20                                                                                       | FY 2019-20                                                                                       | FY 2020-21                                                                                       | FY 2020-21                                                                                       | FY 2021-22                                                                                       | FY 2021-22                                                                                       | FY 2022-23 (as on 25.11.2022)                                                                    |
| Sr No                                                                                            | State/UT Name                                                                                    | Total No. of Loan A/Cs                                                                           | Women Entrepreneurs (out of Total) No. of Loan A/Cs                                              | Total No. of Loan A/Cs                                                                           | Women Entrepreneurs (out of Total) No. of Loan A/Cs                                              | Total No. of Loan A/Cs                                                                           | Women Entrepreneurs (out of Total) Total No. of Loan A/Cs                                        | Women Entrepreneurs (out of Total) No. of Loan A/Cs                                              |
|                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  | No. of Loan A/Cs                                                                                 |                                                                                                  |
| 1                                                                                                | UT of Andaman and Nicobar Islands                                                                | 1,733                                                                                            | 312                                                                                              | 5,468                                                                                            | 1,459                                                                                            | 1,901                                                                                            | 347 1,915                                                                                        | 479                                                                                              |
| 2                                                                                                | Andhra Pradesh                                                                                   | 8,44,501                                                                                         | 1,74,094                                                                                         | 11,52,152                                                                                        | 4,35,429                                                                                         | 11,17,922                                                                                        | 6,14,391 6,66,009                                                                                | 3,38,092                                                                                         |
| 3                                                                                                | Arunachal Pradesh                                                                                | 23,288                                                                                           | 684                                                                                              | 6,159                                                                                            | 1,888                                                                                            | 5,705                                                                                            | 3,596 8,922                                                                                      | 5,163                                                                                            |
| 4                                                                                                | Assam                                                                                            | 16,68,347                                                                                        | 7,79,736                                                                                         | 11,89,829                                                                                        | 8,53,482                                                                                         | 6,82,889                                                                                         | 6,51,561 1,29,674                                                                                | 59,189                                                                                           |
| 5                                                                                                | Bihar                                                                                            | 67,12,494                                                                                        | 41,97,683                                                                                        | 53,06,694                                                                                        | 32,62,994                                                                                        | 66,78,155                                                                                        | 47,05,150 31,57,376                                                                              | 25,20,963                                                                                        |
| 6                                                                                                | UT of Chandigarh                                                                                 | 24,313                                                                                           | 9,288                                                                                            | 20,295                                                                                           | 7,243                                                                                            | 14,926                                                                                           | 1,763 10,358                                                                                     | 1,444                                                                                            |
| 7                                                                                                | Chhattisgarh                                                                                     | 12,61,018                                                                                        | 6,73,430                                                                                         | 10,27,266                                                                                        | 6,33,209                                                                                         | 9,70,396                                                                                         | 7,29,217 4,61,421                                                                                | 3,27,564                                                                                         |
|                                                                                                  | UT of Dadra and Nagar Haveli and                                                                 |                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  |                                                                                                  |
| 8                                                                                                | DamanandDiu                                                                                      | 3,665                                                                                            | 1,979                                                                                            | 4,927                                                                                            | 3,109                                                                                            | 4,397                                                                                            | 3,532 1,321                                                                                      | 199                                                                                              |
| 9                                                                                                | UT of Delhi                                                                                      | 5,68,596                                                                                         | 4,55,907                                                                                         | 3,30,497                                                                                         | 1,61,462                                                                                         | 1,94,835                                                                                         | 1,13,585 1,16,393                                                                                | 50,347                                                                                           |
| 10                                                                                               | Goa                                                                                              | 39,040                                                                                           | 16,825                                                                                           | 37,520                                                                                           | 17,931                                                                                           | 35,950                                                                                           | 16,610 20,290                                                                                    | 10,880                                                                                           |
| 11                                                                                               | Gujarat                                                                                          | 20,96,393                                                                                        | 12,55,370                                                                                        | 14,30,956                                                                                        | 9,14,455                                                                                         | 15,90,960                                                                                        | 10,36,032 8,06,868                                                                               | 4,89,689                                                                                         |
| 12                                                                                               | Haryana                                                                                          | 11,55,917                                                                                        | 7,63,565                                                                                         | 10,05,453                                                                                        | 6,43,639                                                                                         | 10,57,963                                                                                        | 5,93,037 6,06,015                                                                                | 3,37,541                                                                                         |
| 13                                                                                               | Himachal Pradesh                                                                                 | 1,07,865                                                                                         | 41,758                                                                                           | 1,30,494                                                                                         | 40,754                                                                                           | 1,07,556                                                                                         | 26,301 86,370                                                                                    | 21,106                                                                                           |
| 14                                                                                               | Jharkhand                                                                                        | 17,20,485                                                                                        | 12,22,813                                                                                        | 16,68,281                                                                                        | 12,52,260                                                                                        | 17,77,882                                                                                        | 14,68,060 10,27,249                                                                              | 8,33,858                                                                                         |
| 15                                                                                               | Karnataka                                                                                        | 57,33,127                                                                                        | 33,37,300                                                                                        | 46,45,196                                                                                        | 31,03,875                                                                                        | 42,98,481                                                                                        | 29,88,512 26,89,198                                                                              | 19,44,461                                                                                        |
| 16                                                                                               | Kerala                                                                                           | 21,76,889                                                                                        | 14,22,951                                                                                        | 15,86,258                                                                                        | 11,05,155                                                                                        | 16,20,168                                                                                        | 11,66,805 9,43,562                                                                               | 5,38,533                                                                                         |
| 17                                                                                               | UT of Lakshadweep                                                                                | 796                                                                                              | 217                                                                                              | 1,799                                                                                            | 506                                                                                              | 725                                                                                              | 130 794                                                                                          | 289                                                                                              |
| 18                                                                                               | Madhya Pradesh                                                                                   | 35,57,948                                                                                        | 22,41,666                                                                                        | 32,49,158                                                                                        | 20,99,143                                                                                        | 32,31,804                                                                                        | 23,16,849 16,17,429                                                                              | 11,30,365                                                                                        |
| 19                                                                                               | Maharashtra                                                                                      | 47,69,888                                                                                        | 34,78,991                                                                                        | 37,54,163                                                                                        | 29,57,673                                                                                        | 41,58,052                                                                                        | 35,89,300 25,39,134                                                                              | 21,05,151                                                                                        |
| 20                                                                                               | Manipur                                                                                          | 90,175                                                                                           | 25,579                                                                                           | 69,906                                                                                           | 27,806                                                                                           | 74,138                                                                                           | 22,323 18,273                                                                                    | 13,035                                                                                           |
| 21                                                                                               | Meghalaya                                                                                        | 44,416                                                                                           | 16,997                                                                                           | 40,478                                                                                           | 28,334                                                                                           | 16,892                                                                                           | 12,452 10,188                                                                                    | 4,422                                                                                            |
| 22                                                                                               | Mizoram                                                                                          | 20,435                                                                                           | 6,418                                                                                            | 12,716                                                                                           | 7,658                                                                                            | 11,396                                                                                           | 8,689 10,958                                                                                     | 7,458                                                                                            |
| 23                                                                                               | Nagaland                                                                                         | 15,082                                                                                           | 10,220                                                                                           | 19,787                                                                                           | 14,286                                                                                           | 15,191                                                                                           | 10,954 5,967                                                                                     | 2,443                                                                                            |
| 24                                                                                               | Odisha                                                                                           | 37,15,335                                                                                        | 27,43,233                                                                                        | 36,34,998                                                                                        | 27,30,228                                                                                        | 36,70,907                                                                                        | 28,97,689 17,38,418                                                                              | 14,68,835                                                                                        |
| 25                                                                                               | UT of Puducherry                                                                                 | 1,39,444                                                                                         | 1,04,096                                                                                         | 1,08,775                                                                                         | 77,157                                                                                           | 1,31,525                                                                                         | 87,320 62,572                                                                                    | 38,509                                                                                           |
| 26                                                                                               | Punjab                                                                                           | 12,81,307                                                                                        | 6,86,067                                                                                         | 10,94,143                                                                                        | 5,82,580                                                                                         | 11,09,810                                                                                        | 6,21,930 6,22,662                                                                                | 3,24,867                                                                                         |
| 27                                                                                               | Rajasthan                                                                                        | 29,94,534                                                                                        | 17,93,764                                                                                        | 24,81,296                                                                                        | 16,53,640                                                                                        | 26,67,998                                                                                        | 17,70,874 13,56,536                                                                              | 9,20,454                                                                                         |
| 28                                                                                               | Sikkim                                                                                           | 19,862                                                                                           | 4,999                                                                                            | 15,356                                                                                           | 7,641                                                                                            | 11,059                                                                                           | 6,827 4,658                                                                                      | 1,687                                                                                            |
| 29                                                                                               | Tamil Nadu                                                                                       | 71,17,666                                                                                        | 43,12,369                                                                                        | 49,47,732                                                                                        | 30,36,978                                                                                        | 56,25,146                                                                                        | 37,04,525 32,92,228                                                                              | 24,03,110                                                                                        |
| 30                                                                                               | Telangana                                                                                        | 14,35,626                                                                                        | 9,05,309                                                                                         | 6,36,219                                                                                         | 2,82,466                                                                                         | 5,33,545                                                                                         | 3,52,999 2,25,304                                                                                | 1,22,107                                                                                         |
| 31                                                                                               | Tripura                                                                                          | 3,97,094                                                                                         | 2,43,950                                                                                         | 3,26,855                                                                                         | 2,08,478                                                                                         | 3,57,304                                                                                         | 2,86,215 1,17,484                                                                                | 75,285                                                                                           |
| 32                                                                                               | Uttar Pradesh                                                                                    | 58,61,422                                                                                        | 32,80,280                                                                                        | 47,38,452 3,01,870                                                                               | 26,73,110                                                                                        | 57,87,982                                                                                        | 37,26,510 33,83,847                                                                              | 22,39,655                                                                                        |
| 33                                                                                               | Uttarakhand                                                                                      | 3,01,996                                                                                         | 1,90,621                                                                                         |                                                                                                  | 1,71,327                                                                                         | 3,33,914                                                                                         | 2,27,311 2,28,025                                                                                | 1,42,008                                                                                         |
| 34 35                                                                                            | West Bengal UT of JammuandKashmir                                                                |                                                                                                  | 46,73,653 29,772                                                                                 | 54,50,920 2,94,501                                                                               | 58,087                                                                                           | 2,62,645                                                                                         | 63,204 1,89,333                                                                                  | 47,140                                                                                           |
|                                                                                                  |                                                                                                  | 61,76,529                                                                                        |                                                                                                  |                                                                                                  | 42,45,652                                                                                        | 56,27,231                                                                                        | 46,02,264 20,81,435                                                                              | 15,90,812                                                                                        |
| 36                                                                                               | TOTAL                                                                                            | 1,55,153 5,602                                                                                   | 1,453                                                                                            | 5,07,35,046                                                                                      | 2,510                                                                                            | 5,37,95,526                                                                                      | 2,395                                                                                            | 1,807                                                                                            |
|                                                                                                  | UT of Ladakh                                                                                     | 6,22,37,981                                                                                      | 3,91,03,349                                                                                      | 8,477                                                                                            | 3,33,03,604                                                                                      | 8,176                                                                                            | 6,059 3,84,29,259 2,82,44,245                                                                    | 2,01,18,947                                                                                      |