Lok Sabha Question No. 185 (STARRED), answered on 2024-08-05
Subject: Loans Sanctioned under Different Categories of MUDRA Scheme
Ministry: FINANCE
Asked by: Shri Sasikanth Senthil

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

## LOK SABHA STARRED QUESTION NO. *185

## ANSWERED ON MONDAY, 05/08/2024/ SHRAVANA 14, 1946 (SAKA)

## LOANS SANCTIONED UNDER DIFFERENT CATEGORIES OF MUDRA SCHEME

## *185. SHRI SASIKANTH SENTHIL:

Will the Minister of FINANCE be pleased to state:

- (a) the  number  and  value  of  Mudra  Loan  applications  received  and  sanctioned  under  the 'SHISHU', 'TARUN', and 'KISHOR' categories since the launch of the MUDRA scheme in the State of Tamil Nadu, year-wise, district-wise and social category-wise (Women, SC, ST, OBC, first-time entrepreneurs, etc.);
- (b) the  Average  Interest  Rate  charged  by  banks  for  Loans  sanctioned  under  the  abovementioned categories; and
- (c) the number and value of Mudra Loans that have turned into Non-Performing Assets (NPAs) under the said categories?

## ANSWER THE FINANCE MINISTER

(Smt. Nirmala Sitharaman)

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

*****

## 5 th  POSITION

## STATEMENT REFERRED TO IN REPLY TO LOK SABHA STARRED QUESTION NO.*185  (5 TH  POSITION)  FOR  ANSWER  ON  05.08.2024  BY  SHRI  SASIKANTH SENTHIL  ON  LOANS  SANCTIONED  UNDER  DIFFERENT  CATEGORIES  OF MUDRA SCHEME

- (a): As per data uploaded by Member Lending Institutions (MLIs) on the MUDRA portal, more than 5.54 crore loans amounting to Rs. 2.98 lakh crore have been sanctioned in the State of Tamil Nadu as on June, 2024, since inception of the Scheme.

The details of applications received for loan under Pradhan Mantri Mudra Yojana (PMMY) are not maintained centrally. However, the number of loans and amount sanctioned under the 'SHISHU', 'KISHOR' and 'TARUN', categories since the launch of the MUDRA Scheme in the  State  of  Tamil  Nadu,  year-wise,  district-wise  and  social  category-wise  is  placed  at Annexure (Page No 1-9).

- (b) and (c): As per Reserve Bank of India (RBI) Circular dated 9 th  April, 2010, all credit related matters of banks including rate of interest (ROI) have been deregulated by RBI and are governed by the bank's own lending policies, subject to extant guidelines of RBI. The interest rate charged for PMMY loans by Public Sector Banks (PSBs) and Private Sector Banks ranges from 9.15%-12.80% and 6.96%-28% respectively, based on cost of funds, risk profile of the borrower, tenure of loans etc.

As  per  data  uploaded  by  MLIs  on  the  MUDRA  portal,  as  on  March,  2024  (provisional), 76.29 lakh accounts amounting to Rs. 43,407.09 crore have turned into Non-Performing Assets (NPAs). The category-wise NPA is as below:

|   Category | No. of NPAs Accounts (in lakh)   | Amount (in Rs. crore)   |
|------------|----------------------------------|-------------------------|
|      49.7  | 6,874.31                         | Shishu                  |
|      24.27 | 23,618.86                        | Kishor                  |
|       2.32 | 12,913.92                        | Tarun                   |

*****

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under Different Categories ofMUDRAScheme"for answer on 05.08.2024   |
|--------------------------------------------------------------------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under Different Categories ofMUDRAScheme"for answer on 05.08.2024   |
|--------------------------------------------------------------------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under Different Categories ofMUDRAScheme"for answer on 05.08.2024   |
|--------------------------------------------------------------------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under Different Categories ofMUDRAScheme"for answer   |
|------------------------------------------------------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under Different Categories ofMUDRAScheme"for answer on 05.08.2024 Pradhan Mantri Mudra Yojana(PMMY)   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under Different   |
|------------------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under Different   |
|------------------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under   |
|--------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal

| Annexure for Lok Sabha Starred Question No. *185 regarding "Loans Sanctioned under   |
|--------------------------------------------------------------------------------------|

# District-wise data for FY 2015-16 and for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal