Lok Sabha Question No. 53 (UNSTARRED), answered on 2025-02-03
Subject: Loans Disbursed under Pradhan Mantri Mudra Yojana (PMMY)
Ministry: FINANCE
Asked by: Shri Balwant Baswant Wankhade, Shri Omprakash Bhupalsinh Alias Pavan Rajenimbalkar, Shri Arvind Ganpat Sawant, Shri Sanjay Uttamrao Deshmukh, Shri Sanjay Haribhau Jadhav

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

## LOK SABHA

## UNSTARRED QUESTION NO. 53 ANSWERED ON MONDAY, FEBRUARY 3, 2025/ MAGHA 14, 1946 (SAKA) LOANS DISBURSED UNDER PRADHAN MANTRI MUDRA YOJANA (PMMY)

## 53.  Shri Sanjay Haribhau Jadhav:

Shri Arvind Ganpat Sawant:

Shri Omprakash Bhupalsinh Alias Pavan Rajenimbalkar:

Shri Sanjay Uttamrao Deshmukh:

Shri Balwant Baswant Wankhade:

## Will the Minister of FINANCE be pleased to state:

- (a) the present status of the Pradhan Mantri Mudra Yojana (PMMY) launched by the Government in the year 2015 along with the manner in which the same has been implemented in various States of the country including Maharashtra;
- (b) whether the Government has conducted any assessment of the said scheme and  if so, the social class-wise, religious group-wise, gender-wise and State-wise details of the number of applications received and the amount of loans disbursed during the last five years in Maharashtra;
- (c) the measures taken by the Government to ensure that the needy group of persons can receive the benefits of the above scheme ;
- (d) the details of the number of male and female beneficiaries under the said scheme in Parbhani, Yavatmal-Washim and Amravati Parliamentary Constituencies of Maharashtra and the steps taken by the Government to deal with the challenges being faced in implementation of the said scheme;
- (e) the steps taken by the Government to ensure easy access to loans to the small businesses, women and deprived section of the society in the backward areas under the said scheme; and
- (f) whether the Government proposes to increase the limits of loan under the said scheme in future and relax the criteria for providing loans for specific sectors?

## ANSWER

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

- (a): Pradhan Mantri Mudra Yojana (PMMY) was launched on 08.04.2015 to extend collateral free institutional credit 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).

Any individual,  who  is  otherwise  eligible  to  take  a  loan  and  has  a  business  plan  for  small  business enterprise can avail loan under the Scheme. He/ She can avail loans for income generating activities in the manufacturing, trading, services sector and also for activities allied to agriculture.

As per data uploaded by MLIs on the MUDRA portal, more than 51.67 crore loans amounting to more than  Rs.  32.61  lakh  crore  have  been  sanctioned  under  PMMY  since  April,  2015.  The  State  wise performance including Maharashtra is placed at Annexure I.

- (b): The Government has undertaken two assessments of the Pradhan Mantri Mudra Yojana (PMMY) since its inception through Ministry of Labour and Employment in 2018 and NITI Aayog in 2023. Details of the number of loans and amount disbursed during the last five years, Social class-wise, gender-wise and State-wise including Maharashtra, is placed at Annexure II.

The details  of applications received and religious  group-wise data  for  loans  disbursed under  Pradhan Mantri Mudra Yojana (PMMY) are not maintained centrally.

- (c) to (e):        Government has taken various steps towards effective implementation of the scheme. These, inter-alia,  include  publicity  campaigns,  simplification  of  application  form,  Credit  Guarantee  Scheme, nomination  of  Mudra  Nodal  Officer,  frequent  reviews  at  various  level  by  Government  and  Banks  to monitor the achievement against allocated target.

The details of the number of loan accounts sanctioned under PMMY in Parbhani, Yavatmal, Washim and Amravati Districts of Maharashtra, upto 24.01.2025, is as below:

| District*   | Number of loan accounts sanctioned   | Out of (B) loan accounts sanctioned to women   |
|-------------|--------------------------------------|------------------------------------------------|
| (A)         | (B)                                  | (C)                                            |
| Parbhani    | 4,53,478                             | 3,68,616                                       |
| Yavatmal    | 17,52,528                            | 16,24,768                                      |
| Washim      | 4,86,198                             | 4,26,276                                       |
| Amravati    | 12,65,974                            | 11,38,364                                      |
| Total       | 39,58,178                            | 35,58,024                                      |

- (f): As per Budget Announcement 2024-2025, the limit of Mudra loan has been enhanced to Rs.20 lakh from the current limit of Rs.10 lakh w.e.f. 24.10.2024 for those entrepreneurs who have availed and successfully repaid previous loans under the 'Tarun' category, under a new category 'Tarun Plus'.

The same has been communicated to Member Lending Institutions (MLIs) on 25.10.2024 and the loans are being disbursed under the new category.

*****

## Annexure I for Part (a) of Lok Sabha Unstarred Question No. 53 for answer on 03.02.2025

| Pradhan Mantri Mudra Yojana State / UT-wise Report as on 24.01.2025   | Pradhan Mantri Mudra Yojana State / UT-wise Report as on 24.01.2025   | Pradhan Mantri Mudra Yojana State / UT-wise Report as on 24.01.2025   | Pradhan Mantri Mudra Yojana State / UT-wise Report as on 24.01.2025   | Pradhan Mantri Mudra Yojana State / UT-wise Report as on 24.01.2025   |
|-----------------------------------------------------------------------|-----------------------------------------------------------------------|-----------------------------------------------------------------------|-----------------------------------------------------------------------|-----------------------------------------------------------------------|
| S.No.                                                                 | State/ U.T. Name                                                      | No. of Loan A/cs                                                      | (Amount Sanctioned Amount                                             | in Rs. Crore) Disbursed Amount                                        |
| 1                                                                     | Andaman and Nicobar Islands                                           | 53,620                                                                | 1,129.37                                                              | 1,106.97                                                              |
| 2                                                                     | Andhra Pradesh                                                        | 1,00,56,380                                                           | 1,18,432.55                                                           | 1,14,486.90                                                           |
| 3                                                                     | Arunachal Pradesh                                                     | 1,35,705                                                              | 1,736.54                                                              | 1,680.97                                                              |
| 4                                                                     | Assam                                                                 | 1,13,37,821                                                           | 63,700.34                                                             | 62,234.08                                                             |
| 5                                                                     | Bihar                                                                 | 5,86,34,796                                                           | 2,90,127.43                                                           | 2,77,322.46                                                           |
| 6                                                                     | Chandigarh                                                            | 1,94,515                                                              | 3,259.86                                                              | 3,161.91                                                              |
| 7                                                                     | Chhattisgarh                                                          | 98,29,120                                                             | 60,275.80                                                             | 57,390.29                                                             |
| 8                                                                     | Dadra and Nagar Haveli &Daman and Diu                                 | 40,837                                                                | 709.93                                                                | 683.99                                                                |
| 9                                                                     | Delhi                                                                 | 34,88,717                                                             | 40,282.30                                                             | 39,415.91                                                             |
| 10                                                                    | Goa                                                                   | 3,78,435                                                              | 5,300.44                                                              | 5,080.06                                                              |
| 11                                                                    | Gujarat                                                               | 1,54,60,637                                                           | 1,26,477.50                                                           | 1,24,685.18                                                           |
| 12                                                                    | Haryana                                                               | 93,94,465                                                             | 71,560.57                                                             | 69,519.64                                                             |
| 13                                                                    | Himachal Pradesh                                                      | 11,11,999                                                             | 22,079.11                                                             | 20,929.76                                                             |
| 14                                                                    | Jharkhand                                                             | 1,51,46,407                                                           | 78,312.16                                                             | 76,284.30                                                             |
| 15                                                                    | Karnataka                                                             | 4,94,48,747                                                           | 3,01,492.57                                                           | 2,97,505.87                                                           |
| 16                                                                    | Kerala                                                                | 1,68,34,944                                                           | 1,15,936.22                                                           | 1,14,127.39                                                           |
| 17                                                                    | Lakshadweep                                                           | 11,917                                                                | 179.65                                                                | 171.53                                                                |
| 18                                                                    | Madhya Pradesh                                                        | 3,07,31,488                                                           | 1,77,199.51                                                           | 1,71,231.02                                                           |
| 19                                                                    | Maharashtra                                                           | 4,13,42,930                                                           | 2,73,502.10                                                           | 2,69,023.15                                                           |
| 20                                                                    | Manipur                                                               | 4,58,604                                                              | 3,077.02                                                              | 2,900.37                                                              |
| 21                                                                    | Meghalaya                                                             | 2,88,853                                                              | 2,859.05                                                              | 2,795.04                                                              |
| 22                                                                    | Mizoram                                                               | 1,61,757                                                              | 2,822.79                                                              | 2,704.50                                                              |
| 23                                                                    | Nagaland                                                              | 1,52,076                                                              | 2,270.27                                                              | 2,148.91                                                              |
| 24                                                                    | Odisha                                                                | 3,33,40,585                                                           | 1,50,036.16                                                           | 1,47,037.65                                                           |
| 25                                                                    | Pondicherry                                                           | 12,10,839                                                             | 7,573.94                                                              | 7,482.06                                                              |
| 26                                                                    | Punjab                                                                | 95,88,282                                                             | 76,820.41                                                             | 73,661.58                                                             |
| 27                                                                    | Rajasthan                                                             | 2,21,01,449                                                           | 1,71,624.87                                                           | 1,68,823.95                                                           |
| 28                                                                    | Sikkim                                                                | 1,65,733                                                              | 1,683.79                                                              | 1,632.37                                                              |
| 29                                                                    | Tamil Nadu                                                            | 5,79,28,924                                                           | 3,24,114.71                                                           | 3,20,997.51                                                           |
| 30                                                                    | Telangana                                                             | 75,96,552                                                             | 72,006.90                                                             | 70,546.71                                                             |
| 31                                                                    | Tripura                                                               | 31,37,904                                                             | 17,598.83                                                             | 17,249.30                                                             |
| 32                                                                    | Union Territory of Jammu and Kashmir                                  | 20,72,922                                                             | 46,024.02                                                             | 44,386.18                                                             |
| 33                                                                    | Union Territory of Ladakh                                             | 61,260                                                                | 1,887.74                                                              | 1,856.42                                                              |
| 34                                                                    | Uttar Pradesh                                                         | 5,08,46,706                                                           | 3,16,009.08                                                           | 3,07,255.11                                                           |
| 35                                                                    | Uttarakhand                                                           | 32,52,495                                                             | 30,672.81                                                             | 29,823.95                                                             |
| 36                                                                    | West Bengal                                                           | 5,07,15,876                                                           | 2,82,521.07                                                           | 2,77,712.37                                                           |
|                                                                       | Total                                                                 | 51,67,14,297                                                          | 32,61,297.41                                                          | 31,85,055.36                                                          |

Source: As per data uploaded by Member Lending Institutions on Mudra portal

## Annexure II for Part (b) of Lok Sabha Unstarred Question No. 53 for answer on 03.02.2025

## Pradhan Mantri Mudra Yojana

State / UT-wise Report during last 5 years (From 01.04.2019 To 31.03.2024)

(Amount in Rs.Crore)

|       |                                        | General          | General          | SC               | SC               | ST               | ST               | OBC              | OBC              | TOTAL            | TOTAL            | (Out of Total)         | (Out of Total)                 |
|-------|----------------------------------------|------------------|------------------|------------------|------------------|------------------|------------------|------------------|------------------|------------------|------------------|------------------------|--------------------------------|
| S.No. | State/ U.T. Name                       | No. of Loan A/cs | Disbursed Amount | No. of Loan A/cs | Disbursed Amount | No. of Loan A/cs | Disbursed Amount | No. of Loan A/cs | Disbursed Amount | No. of Loan A/cs | Disbursed Amount | Women No. of Loan A/cs | Entrepreneurs Disbursed Amount |
| 1     | Andaman and Nicobar Islands            | 12,782           | 459.11           | 208              | 5.74             | 107              | 3.17             | 2,599            | 51.42            | 15,696           | 519.44           | 3,251                  | 60.82                          |
| 2     | Andhra Pradesh                         | 3,971,392        | 51,211.57        | 474,966          | 4,230.30         | 111,896          | 1,213.96         | 1,493,596        | 12,230.28        | 6,051,850        | 68,886.12        | 2,664,515              | 18,315.61                      |
| 3     | Arunachal Pradesh                      | 28,038           | 438.79           | 5,051            | 24.17            | 32,921           | 443.19           | 12,766           | 64.28            | 78,776           | 970.42           | 24,906                 | 191.55                         |
| 4     | Assam                                  | 3,842,847        | 26,698.04        | 241,505          | 1,348.10         | 208,441          | 1,260.57         | 569,710          | 3,271.47         | 4,862,503        | 32,578.18        | 2,840,363              | 13,199.81                      |
| 5     | Bihar                                  | 13,918,931       | 86,133.13        | 5,686,358        | 21,620.96        | 1,754,872        | 6,465.78         | 15,457,690       | 69,154.97        | 36,817,851       | 183,374.84       | 25,193,097             | 108,805.75                     |
| 6     | Chandigarh                             | 54,957           | 1,480.81         | 27,482           | 129.19           | 1,227            | 9.47             | 8,714            | 64.30            | 92,380           | 1,683.79         | 24,565                 | 192.81                         |
| 7     | Chhattisgarh                           | 1,994,824        | 19,765.57        | 693,007          | 2,886.07         | 808,473          | 3,353.11         | 1,912,877        | 9,606.42         | 5,409,181        | 35,611.17        | 3,528,519              | 15,106.71                      |
| 8     | Dadra and Nagar Haveli & Daman and Diu | 21,254           | 378.40           | 310              | 4.38             | 1,026            | 10.04            | 897              | 16.82            | 23,487           | 409.63           | 12,228                 | 107.71                         |
| 9     | Delhi                                  | 1,078,937        | 16,887.55        | 257,077          | 996.80           | 45,975           | 171.89           | 365,040          | 1,601.59         | 1,747,029        | 19,657.83        | 1,027,034              | 4,268.08                       |
| 10    | Goa                                    | 155,713          | 2,647.91         | 5,254            | 29.82            | 2,731            | 17.50            | 34,062           | 216.22           | 197,760          | 2,911.44         | 94,383                 | 771.08                         |
| 11    | Gujarat                                | 5,023,567        | 52,367.87        | 643,251          | 3,129.20         | 961,239          | 4,740.32         | 2,235,153        | 13,743.42        | 8,863,210        | 73,980.81        | 5,400,610              | 24,595.06                      |
| 12    | Haryana                                | 1,936,434        | 26,376.26        | 2,237,955        | 9,399.79         | 147,854          | 612.76           | 1,211,870        | 6,776.06         | 5,534,113        | 43,164.87        | 3,213,042              | 14,491.66                      |
| 13    | Himachal Pradesh                       | 423,422          | 10,564.80        | 136,805          | 1,134.29         | 19,666           | 377.95           | 64,226           | 662.73           | 644,119          | 12,739.77        | 187,265                | 1,408.22                       |
| 14    | Jharkhand                              | 3,297,383        | 24,492.55        | 1,671,129        | 6,261.53         | 814,845          | 3,140.02         | 3,568,643        | 14,650.87        | 9,352,000        | 48,544.96        | 7,104,169              | 27,181.41                      |
| 15    | Karnataka                              | 16,469,107       | 122,437.06       | 2,821,530        | 14,433.58        | 1,206,783        | 5,971.67         | 6,230,390        | 35,277.40        | 26,727,810       | 178,119.71       | 17,917,434             | 77,986.05                      |
| 16    | Kerala                                 | 5,353,473        | 49,424.59        | 847,719          | 3,394.45         | 223,451          | 816.91           | 2,713,615        | 15,167.59        | 9,138,258        | 68,803.55        | 6,135,779              | 29,986.75                      |
| 17    | Lakshadweep                            | 1,506            | 22.40            | 100              | 0.82             | 5,337            | 86.76            | 309              | 2.20             | 7,252            | 112.18           | 1,790                  | 16.31                          |
| 18    | Madhya Pradesh                         | 5,587,727        | 49,237.40        | 3,151,987        | 12,677.24        | 2,243,426        | 9,171.66         | 6,202,906        | 33,437.81        | 17,186,046       | 104,524.10       | 11,599,325             | 47,741.34                      |
| 19    | Maharashtra                            | 12,616,899       | 110,955.10       | 3,025,828        | 11,816.11        | 1,463,064        | 5,675.88         | 6,109,615        | 27,866.28        | 23,215,406       | 156,313.37       | 18,472,436             | 76,036.01                      |
| 20    | Manipur                                | 211,410          | 1,475.95         | 16,473           | 72.18            | 10,361           | 129.34           | 46,385           | 186.68           | 284,629          | 1,864.15         | 108,864                | 671.16                         |
| 21    | Meghalaya                              | 72,505           | 1,039.22         | 9,108            | 42.26            | 66,495           | 492.03           | 10,248           | 50.93            | 158,356          | 1,624.44         | 82,397                 | 520.53                         |
| 22    | Mizoram                                | 33,493           | 468.46           | 3,765            | 15.60            | 56,518           | 1,139.04         | 2,894            | 14.02            | 96,670           | 1,637.11         | 60,407                 | 966.80                         |
| 23    | Nagaland                               | 48,823           | 889.30           | 1,575            | 18.26            | 31,527           | 362.62           | 4,321            | 45.10            | 86,246           | 1,315.28         | 50,934                 | 464.20                         |
| 24    | Odisha                                 | 7,547,274        | 51,066.11        | 3,173,622        | 11,036.51        | 1,553,037        | 5,261.89         | 6,431,364        | 24,127.26        | 18,705,297       | 91,491.78        | 14,550,610             | 54,048.80                      |
| 25    | Pondicherry                            | 403,728          | 2,636.85         | 35,986           | 246.08           | 7,678            | 48.77            | 164,103          | 1,022.58         | 611,495          | 3,954.28         | 413,125                | 2,046.31                       |

| 26    | Punjab                               | 2,044,894   | 30,303.77    | 3,146,935   | 11,690.30   | 150,098    | 640.42    | 442,533    | 2,397.19   | 5,784,460   | 45,031.68    | 3,100,089   | 13,465.45   |
|-------|--------------------------------------|-------------|--------------|-------------|-------------|------------|-----------|------------|------------|-------------|--------------|-------------|-------------|
| 27    | Rajasthan                            | 4,361,316   | 54,828.95    | 3,331,824   | 14,750.54   | 2,174,345  | 9,488.35  | 3,947,339  | 28,498.49  | 13,814,824  | 107,566.33   | 8,615,640   | 36,232.77   |
| 28    | Sikkim                               | 54,335      | 731.51       | 8,571       | 61.43       | 12,852     | 126.41    | 3,614      | 82.22      | 79,372      | 1,001.57     | 34,464      | 348.33      |
| 29    | Tamil Nadu                           | 22,625,637  | 144,484.15   | 2,682,243   | 14,102.77   | 444,063    | 2,216.84  | 5,549,115  | 35,709.66  | 31,301,058  | 196,513.41   | 21,221,284  | 105,325.12  |
| 30    | Telangana                            | 2,408,495   | 28,484.50    | 405,157     | 2,525.40    | 245,592    | 1,834.36  | 1,132,528  | 7,635.41   | 4,191,772   | 40,479.68    | 2,324,936   | 12,630.28   |
| 31    | Tripura                              | 825,813     | 5,789.48     | 329,326     | 1,864.26    | 375,763    | 1,801.28  | 225,807    | 1,401.55   | 1,756,709   | 10,856.56    | 1,102,997   | 5,901.42    |
| 32    | Uttar Pradesh                        | 10,229,261  | 106,187.01   | 8,838,968   | 34,137.24   | 1,174,602  | 4,617.75  | 10,633,264 | 51,547.59  | 30,876,095  | 196,489.60   | 18,549,932  | 76,743.89   |
| 33    | Uttarakhand                          | 793,877     | 12,857.11    | 448,446     | 2,007.84    | 61,971     | 322.10    | 524,032    | 2,569.02   | 1,828,326   | 17,756.07    | 1,120,735   | 5,575.61    |
| 34    | West Bengal                          | 21,837,875  | 140,897.12   | 4,376,023   | 19,907.67   | 972,258    | 4,622.13  | 1,677,312  | 8,576.75   | 28,863,468  | 174,003.66   | 20,470,995  | 91,735.45   |
| 35    | Union Territory of Jammu and Kashmir | 1,330,829   | 29,091.45    | 33,883      | 287.58      | 13,312     | 152.42    | 31,380     | 377.15     | 1,409,404   | 29,908.61    | 321,014     | 5,596.41    |
| 36    | Union Territory of Ladakh            | 15,735      | 456.37       | 130         | 3.99        | 27,158     | 758.28    | 233        | 4.17       | 43,256      | 1,222.81     | 12,172      | 254.72      |
| Total | Total                                | 150,634,493 | 1,263,666.22 | 48,769,557  | 206,292.45  | 17,430,964 | 77,556.64 | 79,021,150 | 408,107.90 | 295,856,164 | 1,955,623.20 | 197,585,306 | 872,989.99  |

Source: As per data uploaded by Member Lending Institutions on Mudra portal