Lok Sabha Question No. 2217 (UNSTARRED), answered on 2021-08-02
Subject: Loans to Entrepreneurs
Ministry: FINANCE
Asked by: Janardan Singh Sigriwal

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

## LOK SABHA

## UN-STARRED QUESTION NO. 2217 Answered On Monday, August 2, 2021/ 11 Sravana, 1943 (Saka)

## Loans to Entrepreneurs

## 2217. SHRI JANARDAN SINGH SIGRIWAL:

Will the Minister of FINANCE be pleased to state:

(a) the details of target fixed and achievement made by the Public Sector Banks for extending loans to entrepreneurs to set up new business during each of the last three years and the current year, bank-wise;

(b)  whether  the  Government  has  received  any  complaints  of  banks  denying  loans  to  such entrepreneurs during the said period; and

(c) if so, the details thereof along with the corrective measures taken by the Government in this regard?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (DR. BHAGWAT KARAD)

(a) Pradhan Mantri Mudra Yojana (PMMY) and Stand Up India Scheme (SUPI) are the flagship Schemes  implemented  by  Department  of  Financial  Services  (DFS)  for  extending  loans  to entrepreneurs.

Under PMMY, institutional credit up to Rs. 10 lakh is provided by Member Lending Institutions (MLIs) for entrepreneurial activities to micro/small business units, including for new enterprises, which help in creating income generating activities in sectors such as manufacturing, trading, services and activities allied to agriculture. Government allocates annual targets regarding the amount to be sanctioned under PMMY to MLIs. For the current financial year (FY), a target of sanction of Rs. 3.00 lakh crore has been fixed for MLIs.

SUPI facilitates bank loans between Rs.10 lakh and Rs.1 crore to at least one Scheduled Caste/ Scheduled Tribe  borrower  and  at  least  one  Woman  borrower  per  bank  branch  of  Scheduled Commercial  Banks  for  setting  up  greenfield  enterprises  in  manufacturing  trading  or  services sector and activities allied to agriculture.

Bank-wise  (Public  Sector  Banks)  details  regarding  the    number  of  loans  sanctioned  to  new entrepreneurs during each of the last three years and current year in respect of PMMY and SUPI are placed at Annexure-I & II respectively.

(b) and (c) The complaints received from time to time in respect of implementation of PMMY & SUPI including turning down of loan applications are redressed in coordination with the respective banks.

*****

Annexure-I

Annexure referred to in reply to Part (a) of Lok Sabha Unstarred Q.No. 2217 (Loans to Entrepreneurs) for answer on 02 August 2021

Bank-wise (Public Sector Banks) details regarding number of loans sanctioned (New Entrepreneurs/ Accounts) under Pradhan Mantri Mudra Yojana during each of the last three years and current year upto 25.06.2021

| Sl. No.   | Public Sector Bank    | FY 2018-19      | FY 2018-19        | FY 2019-20      | FY 2019-20        | FY 2020-21      | FY 2020-21        | FY 2021-22 (as on 25.06.2021)   | FY 2021-22 (as on 25.06.2021)   |
|-----------|-----------------------|-----------------|-------------------|-----------------|-------------------|-----------------|-------------------|---------------------------------|---------------------------------|
| Sl. No.   | Public Sector Bank    | No. of Accounts | Sanctioned Amount | No. of Accounts | Sanctioned Amount | No. of Accounts | Sanctioned Amount | No. of Accounts                 | Sanctioned Amount               |
| 1         | Bank of Baroda        | 471032          | 6902.36           | 333495          | 5714.69           | 95495           | 2350.08           | 0                               | 0                               |
| 2         | Bank of India         | 135650          | 3309.24           | 129248          | 3240.1            | 252103          | 2914.55           | 0                               | 0                               |
| 3         | Bank of Maharashtra   | 2413            | 62.32             | 1092            | 20.92             | 5697            | 28.43             | 111                             | 1.04                            |
| 4         | Canara Bank           | 434853          | 8107.31           | 379865          | 6874.89           | 215652          | 4237.68           | 2493                            | 44.28                           |
| 5         | Central Bank of India | 383647          | 2551.65           | 150166          | 3141.97           | 396281          | 5189.79           | 85588                           | 2263.82                         |
| 6         | IDBI Bank Limited*    | 5770            | 185.88            | 0               | 0                 | 0               | 0                 | 0                               | 0                               |
| 7         | Indian Bank           | 90533           | 2068.45           | 60573           | 1498.75           | 153189          | 1135.87           | 0                               | 0                               |
| 8         | Indian Overseas Bank  | 0               | 0                 | 0               | 0                 | 0               | 0                 | 0                               | 0                               |
| 9         | Punjab & Sind Bank    | 34650           | 774.08            | 26797           | 831.2             | 101004          | 1181.16           | 6317                            | 164.85                          |
| 10        | Punjab National Bank  | 381589          | 7776.18           | 326328          | 6598.17           | 356754          | 3294.03           | 1462                            | 21.66                           |
| 11        | State Bank of India   | 2356645         | 22379.97          | 3122354         | 23086.45          | 1215391         | 27662.21          | 26870                           | 673.51                          |
| 12        | UCO Bank              | 94245           | 1744.14           | 91258           | 2000.07           | 208957          | 2274.41           | 13724                           | 334.19                          |
| 13        | Union Bank of India   | 319139          | 7363.9            | 201525          | 5477.98           | 504444          | 3919.33           | 28060                           | 300.95                          |
|           | TOTAL                 | 4710166         | 63225.48          | 4822701         | 58485.19          | 3504967         | 54187.54          | 164625                          | 3804.3                          |

Source: As per the data reported by Public Sector Banks on Mudra Portal

[Amount Rs. in Crore]

| Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      | Annexure-II                                                                                                                                                      |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      | Annexure referred to in reply to part (a) of Lok Sabha Unstarred Question No. 2217 for answer on 02.08.2021                                                      |
| Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 | Bank-wise (Public Sector Banks) details regarding the number of loans sanctioned under SUPI during each of the last three years and current year upto 28.06.2021 |
|                                                                                                                                                                  | Public Sector                                                                                                                                                    |                                                                                                                                                                  |                                                                                                                                                                  | FY 2019-20                                                                                                                                                       | FY 2019-20                                                                                                                                                       |                                                                                                                                                                  |                                                                                                                                                                  | Amount Rs. in Crore FY 2021-22 (upto                                                                                                                             | Amount Rs. in Crore FY 2021-22 (upto                                                                                                                             |
| Sl. No.                                                                                                                                                          | Banks                                                                                                                                                            | FY No of accounts                                                                                                                                                | 2018-19 Sanctioned Amount                                                                                                                                        | No of accounts                                                                                                                                                   | Sanctioned Amount                                                                                                                                                | FY No of accounts                                                                                                                                                | 2020-21 Sanctioned Amount                                                                                                                                        | No of accounts                                                                                                                                                   | 28.06.2021) Sanctioned Amount                                                                                                                                    |
| 1                                                                                                                                                                | Bank of Baroda                                                                                                                                                   | 1558                                                                                                                                                             | 360.76                                                                                                                                                           | 206                                                                                                                                                              | 56.02                                                                                                                                                            | 94                                                                                                                                                               | 27.94                                                                                                                                                            | 0                                                                                                                                                                | 0.00                                                                                                                                                             |
| 2                                                                                                                                                                | Bank of India                                                                                                                                                    | 1272                                                                                                                                                             | 261.56                                                                                                                                                           | 1353                                                                                                                                                             | 243.32                                                                                                                                                           | 216                                                                                                                                                              | 47.00                                                                                                                                                            | 4                                                                                                                                                                | 1.11                                                                                                                                                             |
| 3                                                                                                                                                                | Bank of Maharashtra                                                                                                                                              | 193                                                                                                                                                              | 46.95                                                                                                                                                            | 310                                                                                                                                                              | 87.50                                                                                                                                                            | 256                                                                                                                                                              | 67.34                                                                                                                                                            | 2                                                                                                                                                                | 0.26                                                                                                                                                             |
| 4                                                                                                                                                                | Canara Bank                                                                                                                                                      | 2128                                                                                                                                                             | 532.30                                                                                                                                                           | 4349                                                                                                                                                             | 1087.85                                                                                                                                                          | 4123                                                                                                                                                             | 908.97                                                                                                                                                           | 621                                                                                                                                                              | 138.08                                                                                                                                                           |
| 5                                                                                                                                                                | Central Bank of India                                                                                                                                            | 553                                                                                                                                                              | 141.28                                                                                                                                                           | 230                                                                                                                                                              | 62.53                                                                                                                                                            | 107                                                                                                                                                              | 23.41                                                                                                                                                            | 1                                                                                                                                                                | 0.22                                                                                                                                                             |
| 6                                                                                                                                                                | Indian Bank                                                                                                                                                      | 1338                                                                                                                                                             | 317.80                                                                                                                                                           | 480                                                                                                                                                              | 127.92                                                                                                                                                           | 237                                                                                                                                                              | 51.19                                                                                                                                                            | 2                                                                                                                                                                | 0.83                                                                                                                                                             |
| 7                                                                                                                                                                | Indian Overseas Bank                                                                                                                                             | 1292                                                                                                                                                             | 281.87                                                                                                                                                           | 431                                                                                                                                                              | 94.64                                                                                                                                                            | 165                                                                                                                                                              | 37.14                                                                                                                                                            | 4                                                                                                                                                                | 0.69                                                                                                                                                             |
| 8                                                                                                                                                                | Punjab and Sind Bank                                                                                                                                             | 216                                                                                                                                                              | 48.04                                                                                                                                                            | 382                                                                                                                                                              | 76.47                                                                                                                                                            | 26                                                                                                                                                               | 5.20                                                                                                                                                             | 1                                                                                                                                                                | 0.28                                                                                                                                                             |
| 9                                                                                                                                                                | Punjab National Bank                                                                                                                                             | 2063                                                                                                                                                             | 537.22                                                                                                                                                           | 1413                                                                                                                                                             | 410.77                                                                                                                                                           | 550                                                                                                                                                              | 141.28                                                                                                                                                           | 6                                                                                                                                                                | 1.57                                                                                                                                                             |
| 10                                                                                                                                                               | State Bank of India                                                                                                                                              | 2438                                                                                                                                                             | 570.53                                                                                                                                                           | 3487                                                                                                                                                             | 820.18                                                                                                                                                           | 3049                                                                                                                                                             | 693.30                                                                                                                                                           | 95                                                                                                                                                               | 19.32                                                                                                                                                            |
| 11                                                                                                                                                               | UCO Bank                                                                                                                                                         | 924                                                                                                                                                              | 265.12                                                                                                                                                           | 763                                                                                                                                                              | 228.92                                                                                                                                                           | 409                                                                                                                                                              | 106.64                                                                                                                                                           | 18                                                                                                                                                               | 5.14                                                                                                                                                             |
| 12                                                                                                                                                               | Union Bank of India                                                                                                                                              | 1159                                                                                                                                                             | 275.21                                                                                                                                                           | 687                                                                                                                                                              | 166.66                                                                                                                                                           | 204                                                                                                                                                              | 45.86                                                                                                                                                            | 0                                                                                                                                                                | 0.00                                                                                                                                                             |
|                                                                                                                                                                  | Total                                                                                                                                                            | 15134                                                                                                                                                            | 3638.64                                                                                                                                                          | 14091                                                                                                                                                            | 3462.78                                                                                                                                                          | 9436                                                                                                                                                             | 2155.27                                                                                                                                                          | 754                                                                                                                                                              | 167.50                                                                                                                                                           |