Lok Sabha Question No. 1201 (UNSTARRED), answered on 2025-07-28
Subject: NPA under PMMY Loans in Maharashtra
Ministry: FINANCE
Asked by: Shri Mohite Patil Dhairyasheel Rajsinh, Dr. Amol Ramsing Kolhe, Smt. Supriya Sule, Shri Sanjay Dina Patil, Prof. Varsha Eknath Gaikwad, Shri Bhaskar Murlidhar Bhagare

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

## LOK SABHA

## ANSWERED ON MONDAY, JULY 28, 2025/SRAVANA 6, 1947 (SAKA)

## UNSTARRED QUESTION NO. 1201 NPA UNDER PMMY LOANS IN MAHARASHTRA

## 1201. Dr. Amol Ramsing Kolhe:

Shri Sanjay Dina Patil:

Smt. Supriya Sule:

Shri Mohite Patil Dhairyasheel Rajsinh:

Shri Bhaskar Murlidhar Bhagare:

Prof. Varsha Eknath Gaikwad:

Will the Minister of FINANCE be pleased to state:

- (a) whether  the  Government  has  identified  any  gaps  in  loan  coverage  among  marginalized communities  in  Maharashtra  and  if  so,  the  total  number  of  SC/ST/OBC  and  Women entrepreneurs  who  have  availed  loans  under  Pradhan  Mantri  MUDRA  Yojana  (PMMY)  in Maharashtra since 2015, year-wise;
- (b) the  number  of  loan  applications  received,  sanctioned  and  rejected  under  each  category  in Maharashtra during the last three years;
- (c) the  reasons  cited  for  rejections  and  whether  there  is  a  grievance  redressal  mechanism  for applicants in the State;
- (d) the details of Non-Performing Assets (NPAs) under PMMY loans from Maharashtra during the last five years along with the total amount classified as NPAs and the recovery efforts initiated by banks and financial institutions; and
- (e) whether the Government has conducted any capacity-building programmes or entrepreneurship development training linked to PMMY in Maharashtra and if so, the details of such programmes and the number of beneficiaries covered?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ  CHAUDHARY)

- (a) and (b): As on June, 2025, more than 4.29 crore loan accounts have been sanctioned under Pradhan Mantri Mudra Yojana (PMMY) in the state of Maharashtra.

The total number of SC/ST/OBC and Women entrepreneurs who have availed loans under PMMY in Maharashtra since 2015, year-wise is placed at Annexure-I.

The number of applications received and rejected under the Scheme is not maintained centrally.

(c): Reasons for rejection of loan applications under PMMY include:

-  Non-viability of the project.;
-  Inconsistencies found in pre-sanction stage e.g. Non-compliance of KYC norms, borrower not found at the mentioned address etc.;
-  Unsatisfactory credit history of the borrower e.g., poor CIBIL score, previous NPA history etc.;
-  Non-availability of necessary registration/ approvals, wherever required, related to the project etc.

Further,  the  name  of  the  official  is  displayed  in  the  branch  premises  to  whom  complainant  may approach if he/she has any grievance. If the complaint is unresolved at the branch level, it is escalated to the next higher level of grievance redressal authority within the Bank and a final response is given within 30 days. Complainant may also approach the Regional Manager/ Zonal Manager / Principal Nodal Officer (PNO) at the address displayed at the branch.

(d) Details of State-wise NPA is not maintained centrally. The steps taken by banks for recovery of NPA under PMMY include:

-  constant follow up and increased frequency of customer connect;
-  restructuring of eligible accounts and One Time Settlement (OTS).

(e) Banks in Maharashtra have conducted capacity- building programmes through 1,352 Rural Self Employment Training Institute (RSETI) during FY 2024-25. These include a series of credit-linked training programmes. Additionally, 5,738 Financial Literacy Camps (FLCs) have been conducted by Banks across the State during FY 2024-25.

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| Annexure I for Part (a) and (b) of Lok Sabha Unstarred Question No. 1201 regarding 'NPA under PMMYLoans in Maharashtra' for answer on 28.07.2025   | Annexure I for Part (a) and (b) of Lok Sabha Unstarred Question No. 1201 regarding 'NPA under PMMYLoans in Maharashtra' for answer on 28.07.2025   | Annexure I for Part (a) and (b) of Lok Sabha Unstarred Question No. 1201 regarding 'NPA under PMMYLoans in Maharashtra' for answer on 28.07.2025   | Annexure I for Part (a) and (b) of Lok Sabha Unstarred Question No. 1201 regarding 'NPA under PMMYLoans in Maharashtra' for answer on 28.07.2025   | Annexure I for Part (a) and (b) of Lok Sabha Unstarred Question No. 1201 regarding 'NPA under PMMYLoans in Maharashtra' for answer on 28.07.2025   | Annexure I for Part (a) and (b) of Lok Sabha Unstarred Question No. 1201 regarding 'NPA under PMMYLoans in Maharashtra' for answer on 28.07.2025   |
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|                                                                                                                                                    |                                                                                                                                                    | No. of Loan Accounts (in Lakh)                                                                                                                     | No. of Loan Accounts (in Lakh)                                                                                                                     | No. of Loan Accounts (in Lakh)                                                                                                                     | No. of Loan Accounts (in Lakh)                                                                                                                     |
| S. No.                                                                                                                                             | Financial Year                                                                                                                                     | SC                                                                                                                                                 | ST                                                                                                                                                 | OBC                                                                                                                                                | Women Entrepreneurs                                                                                                                                |
| 1                                                                                                                                                  | 2015-16                                                                                                                                            | 5.86                                                                                                                                               | 2.68                                                                                                                                               | 11.41                                                                                                                                              | 29.40                                                                                                                                              |
| 2                                                                                                                                                  | 2016-17                                                                                                                                            | 5.79                                                                                                                                               | 2.20                                                                                                                                               | 12.51                                                                                                                                              | 27.48                                                                                                                                              |
| 3                                                                                                                                                  | 2017-18                                                                                                                                            | 5.65                                                                                                                                               | 2.13                                                                                                                                               | 10.65                                                                                                                                              | 28.53                                                                                                                                              |
| 4                                                                                                                                                  | 2018-19                                                                                                                                            | 6.11                                                                                                                                               | 2.40                                                                                                                                               | 10.68                                                                                                                                              | 31.89                                                                                                                                              |
| 5                                                                                                                                                  | 2019-20                                                                                                                                            | 6.08                                                                                                                                               | 2.61                                                                                                                                               | 11.40                                                                                                                                              | 34.79                                                                                                                                              |
| 6                                                                                                                                                  | 2020-21                                                                                                                                            | 5.17                                                                                                                                               | 2.33                                                                                                                                               | 10.24                                                                                                                                              | 29.58                                                                                                                                              |
| 7                                                                                                                                                  | 2021-22                                                                                                                                            | 5.88                                                                                                                                               | 2.81                                                                                                                                               | 11.52                                                                                                                                              | 35.89                                                                                                                                              |
| 8                                                                                                                                                  | 2022-23                                                                                                                                            | 6.35                                                                                                                                               | 3.39                                                                                                                                               | 14.46                                                                                                                                              | 43.50                                                                                                                                              |
| 9                                                                                                                                                  | 2023-24                                                                                                                                            | 6.78                                                                                                                                               | 3.50                                                                                                                                               | 13.48                                                                                                                                              | 40.97                                                                                                                                              |
| 10                                                                                                                                                 | 2024-25                                                                                                                                            | 5.72                                                                                                                                               | 3.01                                                                                                                                               | 12.59                                                                                                                                              | 33.70                                                                                                                                              |
| 11                                                                                                                                                 | 2025-26*                                                                                                                                           | 0.26                                                                                                                                               | 0.16                                                                                                                                               | 1.20                                                                                                                                               | 2.63                                                                                                                                               |
|                                                                                                                                                    | Total                                                                                                                                              | 59.65                                                                                                                                              | 27.22                                                                                                                                              | 120.13                                                                                                                                             | 338.35                                                                                                                                             |
| *Provisional (as on June, 2025)                                                                                                                    | *Provisional (as on June, 2025)                                                                                                                    | *Provisional (as on June, 2025)                                                                                                                    | *Provisional (as on June, 2025)                                                                                                                    | *Provisional (as on June, 2025)                                                                                                                    | *Provisional (as on June, 2025)                                                                                                                    |

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