Lok Sabha Question No. 888 (UNSTARRED), answered on 2022-02-07
Subject: Loans under PMMY
Ministry: FINANCE
Asked by: Thomas Chazhikadan

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

- (a) Under Pradhan Mantri Mudra Yojana (PMMY), institutional collateral-free credit up to Rs. 10 lakh is provided by Member Lending Institutions (MLIs) for entrepreneurial activities to  micro/small business units, including individuals,  which help in creating income generating activities in sectors such as manufacturing, trading, services and also for activities allied to agriculture.

As per data uploaded by MLIs on Mudra portal, as on 31.12.2021, over 32.53 crore loans involving a sanctioned amount of Rs. 17.32 lakh crore have been extended under the Scheme, since its inception in April, 2015. Out of this, more than 21.98 crore loans amounting to Rs. 7.55 lakh crore have been extended to Women borrowers. This constitutes approx. 68% of the total number of loans and 44% of amount extended under the Scheme.

- (b)  State/UT-wise, Year-wise details of loans provided (including Women) under the Scheme in the last three financial years, including that of Kerala, is Annexed.
- (c)  Any  matter  relating  to  implementation  of  PMMY  including,  delay  in  turn-around-time  (TAT),  turning  down  of  loan applications and lenders insistence on collateral/guarantor on certain occasions are redressed in coordination with the respective banks. A number of steps have been taken to improve implementation of the Scheme which, inter alia , include:
- (i) provision for online applications through psbloansin59minutes and udyamimitra portal;
- (ii) some of the  Public Sector Banks (PSBs) have put in place end-to-end digital lending for automated sanctions under PMMY;
- (iii) intensive publicity campaigns by PSBs and Mudra Ltd. for increased visibility of the Scheme amongst the stakeholders;
- (iv)  simplification of application forms;
- (v)   nomination of Mudra Nodal Officers in Public Sector Banks (PSBs);

(vi) periodic monitoring of performance of PSBs with regard to PMMY etc.

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

## LOK SABHA UN-STARRED QUESTION No. 888

## ANSWERED ON FEBRUARY 07, 2022/ Magha 18, 1943 (SAKA)

## Loans under PMMY

## 888. SHRI THOMAS CHAZHIKADAN:

Will the Minister of FINANCE be pleased to state:.

- (a)      whether  the Pradhan Mantri Mudra Yojana (PMMY), that aims at extending collateral free loans up to Rs. 10 lakhs to micro/small business enterprises and to individuals to enable them to set up or expand their business activities, is fulfilling its unique objective of facilitating self-employment;
- (b)   if so, the details thereof, State/UT-wise along with the ratio of male and female beneficiaries under the scheme in Kerala during the last three years; and;
- (c)   whether any significant steps are being taken to address the anomalies on the implementation of the said yojana and if so, the details thereof?

## ANSWER

## Annexure as referred to in Part (b) of Lok Sabha Unstarred Question No. 888 for reply on 07.02.2022

## State/UT-wise, Year-wise detail of loans extended under Pradhan Mantri Mudra Yojana (PMMY) in last three financial years

(Amt in Rs. Cr.)

|      |                                               | FY 2018-19   | FY 2018-19        | FY 2018-19           | FY 2019-20           | FY 2019-20   | FY 2019-20        | FY 2019-20           | FY 2019-20           | FY 2020-21   | FY 2020-21        | FY 2020-21           | FY 2020-21           |
|------|-----------------------------------------------|--------------|-------------------|----------------------|----------------------|--------------|-------------------|----------------------|----------------------|--------------|-------------------|----------------------|----------------------|
|      |                                               | TOTAL        | TOTAL             | Women (Out of Total) | Women (Out of Total) | TOTAL        | TOTAL             | Women (Out of Total) | Women (Out of Total) | TOTAL        | TOTAL             | Women (Out of Total) | Women (Out of Total) |
| SrNo | State Name                                    | No. ofA/Cs   | Sanctioned Amount | No. ofA/Cs           | Sanctioned Amount    | No. ofA/Cs   | Sanctioned Amount | No. ofA/Cs           | Sanctioned Amount    | No. ofA/Cs   | Sanctioned Amount | No. ofA/Cs           | Sanctioned Amount    |
| 1    | Andaman and Nicobar Islands                   | 3,722        | 91.72             | 303                  | 10.72                | 1,733        | 75.63             | 312                  | 11.48                | 5,468        | 123.01            | 1,459                | 15.14                |
| 2    | Andhra Pradesh                                | 7,82,707     | 11,368.90         | 1,40,162             | 2,017.61             | 8,44,501     | 10,439.93         | 1,74,094             | 2,018.19             | 11,52,152    | 12,028.33         | 4,35,429             | 2,784.68             |
| 3    | Arunachal Pradesh                             | 14,455       | 118.03            | 722                  | 17.39                | 23,288       | 156.05            | 684                  | 23.82                | 6,159        | 179.31            | 1,888                | 15.72                |
| 4    | Assam                                         | 24,22,968    | 9,938.15          | 11,68,698            | 4,694.17             | 16,68,347    | 7,788.63          | 7,79,736             | 2,961.14             | 11,89,829    | 7,657.20          | 8,53,482             | 3,703.48             |
| 5    | Bihar                                         | 59,99,640    | 24,405.99         | 39,08,706            | 13,038.66            | 67,12,494    | 27,435.78         | 41,97,683            | 15,199.37            | 53,06,694    | 25,589.31         | 32,62,994            | 13,061.13            |
| 6    | Chandigarh                                    | 30,015       | 426.29            | 8,395                | 61.29                | 24,313       | 404.27            | 9,288                | 66.88                | 20,295       | 449.36            | 7,243                | 44.61                |
| 7    | Chhattisgarh                                  | 12,01,572    | 5,953.21          | 5,75,698             | 2,197.25             | 12,61,018    | 6,959.04          | 6,73,430             | 2,573.98             | 10,27,266    | 6,746.80          | 6,33,209             | 2,564.56             |
| 8    | UTof Dadra and Nagar Haveli and Dmaan and Diu | 3,581        | 63.18             | 2,181                | 15.39                | 3,665        | 69.09             | 1,979                | 11.82                | 4,927        | 80.83             | 3,109                | 38.89                |
| 9    | Delhi                                         | 7,37,717     | 5,768.29          | 5,71,431             | 2,059.75             | 5,68,596     | 5,209.95          | 4,55,907             | 1,574.56             | 3,30,497     | 4,130.29          | 1,61,462             | 757.04               |
| 10   | Goa                                           | 44,781       | 502.57            | 17,200               | 131.94               | 39,040       | 507.41            | 16,825               | 124.10               | 37,520       | 553.71            | 17,931               | 141.47               |
| 11   | Gujarat                                       | 18,26,207    | 13,216.78         | 9,89,631             | 3,947.61             | 20,96,393    | 13,745.58         | 12,55,370            | 4,730.09             | 14,30,956    | 11,579.25         | 9,14,455             | 3,746.14             |
| 12   | Haryana                                       | 10,81,972    | 7,526.32          | 7,22,809             | 2,637.14             | 11,55,917    | 7,858.89          | 7,63,565             | 2,920.07             | 10,05,453    | 7,552.06          | 6,43,639             | 2,562.48             |
| 13   | Himachal Pradesh                              | 1,19,595     | 2,359.37          | 47,786               | 401.00               | 1,07,865     | 2,403.20          | 41,758               | 381.69               | 1,30,494     | 2,365.05          | 40,754               | 290.72               |
| 14   | Jharkhand                                     | 14,36,968    | 6,989.23          | 9,74,054             | 3,221.69             | 17,20,485    | 7,964.11          | 12,22,813            | 4,058.33             | 16,68,281    | 8,471.20          | 12,52,260            | 4,364.72             |
| 15   | Karnataka                                     | 58,06,936    | 29,995.35         | 35,86,677            | 12,494.66            | 57,33,127    | 30,185.73         | 33,37,300            | 12,248.50            | 46,45,196    | 30,199.18         | 31,03,875            | 12,517.52            |
| 16   | Kerala                                        | 21,21,319    | 12,178.40         | 12,87,110            | 4,913.49             | 21,76,889    | 13,143.08         | 14,22,951            | 6,174.97             | 15,86,258    | 11,416.44         | 11,05,155            | 4,314.72             |
| 17   | Lakshadweep                                   | 626          | 7.37              | 147                  | 1.58                 | 796          | 8.30              | 217                  | 1.62                 | 1,799        | 23.06             | 506                  | 4.13                 |
| 18   | MadhyaPradesh                                 | 32,82,723    | 17,407.92         | 19,85,580            | 6,997.14             | 35,57,948    | 19,060.01         | 22,41,666            | 8,056.73             | 32,49,158    | 18,474.24         | 20,99,143            | 7,889.83             |
| 19   | Maharashtra                                   | 43,85,981    | 26,438.94         | 31,88,535            | 10,823.13            | 47,69,888    | 27,899.09         | 34,78,991            | 12,165.34            | 37,54,163    | 25,208.64         | 29,57,673            | 11,106.23            |
| 20   | Manipur                                       | 86,139       | 361.28            | 18,739               | 119.24               | 90,175       | 412.59            | 25,579               | 133.06               | 69,906       | 435.42            | 27,806               | 142.20               |
| 21   | Meghalaya                                     | 35,574       | 269.92            | 14,603               | 91.12                | 44,416       | 273.54            | 16,997               | 94.20                | 40,478       | 414.68            | 28,334               | 131.04               |
| 22   | Mizoram                                       | 15,858       | 232.06            | 8,999                | 106.10               | 20,435       | 249.88            | 6,418                | 62.09                | 12,716       | 245.30            | 7,658                | 97.02                |
| 23   | Nagaland                                      | 17,448       | 163.00            | 11,774               | 77.87                | 15,082       | 184.01            | 10,220               | 76.81                | 19,787       | 261.07            | 14,286               | 107.30               |
| 24   | Odisha                                        | 41,64,432    | 15,770.28         | 28,03,960            | 8,608.03             | 37,15,335    | 15,414.73         | 27,43,233            | 8,903.79             | 36,34,998    | 15,328.63         | 27,30,228            | 8,373.28             |
| 25   | Pondicherry                                   | 1,77,772     | 1,248.92          | 1,36,409             | 692.69               | 1,39,444     | 764.28            | 1,04,096             | 449.17               | 1,08,775     | 618.77            | 77,157               | 326.59               |
| 26   | Punjab                                        | 11,82,936    | 8,282.79          | 5,89,070             | 2,209.70             | 12,81,307    | 8,882.27          | 6,86,067             | 2,654.84             | 10,94,143    | 7,413.45          | 5,82,580             | 2,133.19             |
| 27   | Rajasthan                                     | 27,27,579    | 17,506.39         | 15,67,904            | 5,284.25             | 29,94,534    | 19,661.94         | 17,93,764            | 6,312.93             | 24,81,296    | 18,571.38         | 16,53,640            | 6,315.33             |
| 28   | Sikkim                                        | 26,688       | 208.42            | 10,069               | 55.18                | 19,862       | 176.24            | 4,999                | 41.44                | 15,356       | 200.95            | 7,641                | 70.34                |
| 29   | Tamil Nadu                                    | 74,40,662    | 34,260.05         | 42,09,011            | 15,090.72            | 71,17,666    | 35,006.37         | 43,12,369            | 17,589.67            | 49,47,732    | 28,967.96         | 30,36,978            | 12,640.08            |
| 30   | Telangana                                     | 9,82,204     | 7,779.63          | 7,72,785             | 3,136.11             | 14,35,626    | 9,128.24          | 9,05,309             | 3,811.55             | 6,36,219     | 6,947.89          | 2,82,466             | 1,384.98             |
| 31   | Tripura                                       | 4,41,114     | 1,853.91          | 2,61,323             | 1,070.71             | 3,97,094     | 1,583.46          | 2,43,950             | 897.34               | 3,26,855     | 2,116.82          | 2,08,478             | 1,128.69             |
| 32   | Uttar Pradesh                                 | 49,75,961    | 26,190.58         | 25,96,732            | 8,746.69             | 58,61,422    | 30,949.36         | 32,80,280            | 11,526.96            | 47,38,452    | 29,231.34         | 26,73,110            | 9,825.31             |
| 33   | Uttarakhand                                   | 3,03,340     | 2,973.72          | 1,83,104             | 821.35               | 3,01,996     | 2,944.55          | 1,90,621             | 850.26               | 3,01,870     | 3,100.82          | 1,71,327             | 831.42               |
| 34   | West Bengal                                   | 58,56,048    | 26,462.13         | 46,74,626            | 16,705.18            | 61,76,529    | 26,789.20         | 46,73,653            | 15,879.61            | 54,50,920    | 29,335.97         | 42,45,652            | 16,940.49            |
| 35   | Union Territory of Jammu and Kashmir          | 1,29,320     | 3,246.12          | 26,696               | 505.33               | 1,55,153     | 3,552.25          | 29,772               | 559.02               | 2,94,501     | 5,513.47          | 58,087               | 881.76               |
| 36   | Union Territory of Ladakh                     | 3,758        | 157.58            | 933                  | 31.76                | 5,602        | 178.45            | 1,453                | 36.45                | 8,477        | 228.05            | 2,510                | 51.12                |
|      | TOTAL                                         | 5,98,70,318  | 3,21,722.79       | 3,70,62,562          | 1,33,033.64          | 6,22,37,981  | 3,37,465.13       | 3,91,03,349          | 1,45,181.87          | 5,07,35,046  | 3,21,759.24       | 3,33,03,604          | 1,31,303.35          |

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