Lok Sabha Question No. 69 (STARRED), answered on 2022-12-12
Subject: Allocation under PMMY
Ministry: FINANCE
Asked by: M. Selvaraj

## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA STARRED QUESTION NO. *69

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

## Allocation under PMMY

- *69.  SHRI M. SELVARAJ:

Will the Minister of FINANCE be pleased to state:

- (a)   the details of the funds allocated to different industries under the Pradhan Mantri MUDRA Yojana (PMMY) during the last three years, State/UT-wise;

- (b) the number of women who have been sanctioned loans under the Yojana during the said period; and

- (c)  the steps taken by the Government for advertising, publishing and spreading awareness about the Yojana?

## ANSWER

Finance  Minister

(Smt. Nirmala Sitharaman)

- (a) to (c): A statement is laid on the Table of the House

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## STATEMENT REFERRED IN REPLY TO THE LOK SABHA STARRED QUESTION NO. *69 TO BE ANSWERED ON 12 th  DECEMBER, 2022 BY SHRI M. SELVARAJ REGARDING ALLOCATION UNDER PMMY

(a) and (b) Under Pradhan Mantri Mudra Yojana (PMMY), collateral-free institutional credit up to Rs. 10  lakh  is  provided  by  Member  Lending  Institutions  (MLIs)  i.e.      Scheduled  Commercial  Banks (SCBs),  Regional  Rural  Banks  (RRBs),  Non-Banking  Financial  Companies  (NBFCs)  and  Micro Finance  Institutions  (MFIs)  to  micro/small  business  units  for  income  generating  activities  in  the manufacturing, trading, services  sector and also for activities allied to agriculture.

There is no allocation  as such of funds under the Pradhan Mantri Mudra Yojana (PMMY) as loans under the Scheme are extended by lending institutions as per commercial parameters. However, under the aegis of National Credit Guarantee Trustee Company Ltd. (NCGTC), a wholly owned company of Government of India, a Credit Guarantee Fund for Micro Units (CGFMU) was set up with an initial corpus of Rs.3,000 crore for guaranteeing loans extended to eligible micro units under PMMY up to Rs.  10  lakh  by  Banks/Non-Banking  Financial  Companies  (NBFCs)/  Micro  Finance  Institutions (MFIs).

As per data uploaded by  MLIs on Mudra portal,   in  the last  three  financial  years  (01.04.2019  to 31.03.2022), over 16.67 crore loans involving a sanctioned amount of Rs. 9.98 lakh crore have been extended under PMMY. Out of this, more than 11.08 crore loans amounting to sanctioned amount of Rs. 4.42 lakh crore have been extended to women borrowers. This constitutes approx. 68% of the total number of loans and 44% of amount disbursed under the Scheme.

State/UT-wise detail of loans provided under the Scheme in the last three financial years is annexed.

(c) Government  has  taken  various  steps  towards  spreading  awareness  about  PMMY  across  the country.  These,  inter  alia,  include  publicity  campaigns  through  print  media,  TV,  radio  jingles, hoardings, town hall meetings, financial literacy and awareness  camps,  special drive for financial inclusion  etc.  Banks  also  undertake  publicity  through  their  branches  and  also  through  Banking Correspondents (BCs).

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## Annexure as referred to in Part (a) of Lok Sabha Starred Que No. *69 for reply on 12.12.2022

## State/UT-wise detail of loans extended under Pradhan Mantri Mudra Yojana (PMMY)  in the last three financial years (from 01.04.2019 to 31.03.2022)

| Sr No   | State/UT Name                                               | No of A/Cs   | (Amount in Rs. Crore)   |
|---------|-------------------------------------------------------------|--------------|-------------------------|
| 1       | Union Territory of Andaman and Nicobar Islands              | 9,102        | 276                     |
| 2       | Andhra Pradesh                                              | 31,14,575    | 34,298                  |
| 3       | Arunachal Pradesh                                           | 35,152       | 426                     |
| 4       | Assam                                                       | 35,41,065    | 20,312                  |
| 5       | Bihar                                                       | 1,86,97,343  | 85,122                  |
| 6       | Union Territory of Chandigarh                               | 59,534       | 1,135                   |
| 7       | Chhattisgarh                                                | 32,58,680    | 19,635                  |
| 8       | Union Territory of Dadra and Nagar Haveli and Daman and Diu | 12,989       | 220                     |
| 9       | Union Territory of Delhi                                    | 10,93,928    | 11,957                  |
| 10      | Goa                                                         | 1,12,510     | 1,552                   |
| 11      | Gujarat                                                     | 51,18,309    | 37,477                  |
| 12      | Haryana                                                     | 32,19,333    | 23,179                  |
| 13      | Himachal Pradesh                                            | 3,45,915     | 6,921                   |
| 14      | Jharkhand                                                   | 51,66,648    | 25,252                  |
| 15      | Karnataka                                                   | 1,46,76,804  | 89,080                  |
| 16      | Kerala                                                      | 53,83,315    | 36,258                  |
| 17      | Union Territory of Lakshadweep                              | 3,320        | 48                      |
| 18      | Madhya Pradesh                                              | 1,00,38,910  | 56,349                  |
| 19      | Maharashtra                                                 | 1,26,82,103  | 78,905                  |
| 20      | Manipur                                                     | 2,34,219     | 1,261                   |
| 21      | Meghalaya                                                   | 1,01,786     | 900                     |
| 22      | Mizoram                                                     | 44,547       | 706                     |
| 23      | Nagaland                                                    | 50,060       | 674                     |
| 24      | Odisha                                                      | 1,10,21,240  | 47,643                  |
| 25      | Union Territory of Puducherry                               | 3,79,744     | 2,184                   |
| 26      | Punjab                                                      | 34,85,260    | 24,476                  |
| 27      | Rajasthan                                                   | 81,43,828    | 57,233                  |
| 28      | Sikkim                                                      | 46,277       | 540                     |
| 29      | Tamil Nadu                                                  | 1,76,90,544  | 96,452                  |
| 31      | Tripura                                                     |              | 6,197                   |
|         |                                                             | 10,81,253    |                         |
| 32      | Union Territory of Jammu and Kashmir                        | 7,12,299     | 14,854                  |
| 33      | Union Territory of Ladakh                                   | 22,255       | 640                     |
| 34      | Uttar Pradesh                                               | 1,63,87,856  | 93,844                  |
| 35      | Uttarakhand                                                 | 9,37,780     | 9,061                   |
| 36      | West Bengal                                                 | 1,72,54,680  | 91,018                  |
|         | TOTAL                                                       | 16,67,68,553 | 9,98,335                |

Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal