Lok Sabha Question No. 2224 (UNSTARRED), answered on 2024-12-09
Subject: Financial Inclusion Schemes
Ministry: FINANCE
Asked by: Shri Arun Bharti

2224. Shri Arun Bharti:

Will the Minister of FINANCE be pleased to state:

- (a) the details of existing schemes of the Government aimed at financial inclusion and the targeted beneficiaries thereof;
- (b) the details of major achievements of respective schemes since 2018-19, year-wise; and

(c)

the  total  number  of  beneficiaries  under  each  scheme  during  the  last  three  years,  State-wise specially in Bihar?

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

## LOK SABHA UNSTARRED QUESTION No. 2224

Answered on Monday, December 9, 2024/ Agrahayana 18, 1946 (Saka)

## Financial Inclusion Schemes

## Answer

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

(a)  to  (c)  The  Government  initiated  the  National  Mission  for  Financial  Inclusion  (NMFI),  namely, Pradhan Mantri Jan Dhan Yojana (PMJDY) in August, 2014 to provide universal banking services for every  unbanked  household,  based  on the  guiding  principles  of  banking  the  unbanked,  securing  the unsecured, funding the unfunded and serving unserved and underserved areas.

In  order  to  give  impetus  to  financial inclusion  initiatives  of  the  Government,  PMJDY  Scheme was extended beyond 14.08.2018 with the focus on opening of accounts shifting from 'every household' to 'every unbanked adult'. The Scheme was made more attractive with upward revision in (i) Overdraft limit from Rs.5,000 to Rs.10,000 and (ii) accident insurance cover on RuPay card holders from Rs.1 lakh  to  Rs.2  lakh.  PMJDY  has  been  successful  in  increasing  banking  penetration  and  to  promote financial inclusion across the country.

As on 20.11.2024, a total of 54.03 crore Jan-Dhan accounts have been opened under PMJDY, with a deposit balance of Rs.2,37,575 crore.

In addition to the PMJDY, the following schemes have been launched to provide social security and affordable financial services for all, especially marginalized and underserved populations:

- i. Pradhan Mantri Suraksha Bima Yojana (PMSBY): The Scheme is a one-year personal accident insurance scheme, renewable from year to year, offering coverage of Rs. 2 lakh for death or permanent total disability and Rs. 1 lakh for permanent partial disability due to an accident at a premium of Rs. 20/- per annum. It is available to people in the age group of 18 to 70 years having a bank account who give their consent to join the scheme.

As on 20.11.2024, cumulative enrolment under PMSBY is 47.59 crore.

- ii. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): The Scheme is a one-year life insurance scheme, renewable from year to year, offering coverage of Rs. Two lakh for death due to any reason at a premium of Rs. 436/- per annum and is available to people in the age group of 18 to 50 years having a bank account who give their consent to join the scheme.

As on 20.11.2024, cumulative enrolment under PMJJBY is 21.67 crore.

iii. Atal Pension Yojana: The Scheme aims to provide monthly pension to eligible subscribers with age limit of 18 to 40 years not covered under any organized pension Scheme. Under this scheme, the subscribers would receive the fixed minimum pension of Rs. 1000, Rs. 2000, Rs. 3000, Rs. 4000 and Rs. 5000 per month, at the age of 60 years, depending on the contributions. As on 20.11.2024, enrolments under this scheme are 7.12 crore.

iv. Pradhan Mantri Mudra Yojana (PMMY): The Scheme provide access to institutional finance to micro/small business units up to Rs.20 lakh for income generating activities such as manufacturing, trading, services, activities allied to agriculture.

As on 01.11.2024, 50.31 crore loans amounting to Rs. 31.28 lakh crore have been sanctioned since inception of the Scheme.

v. Stand Up India Scheme (SUPI): The Scheme aims to promote entrepreneurship among people from Schedule caste/Schedule tribe and woman. The Scheme facilitates bank loans between Rs.10 lakh and Rs.1 crore to one Scheduled Caste/ Scheduled Tribe borrower and one woman borrower per bank branch of Scheduled Commercial Banks for setting up greenfield enterprises in trading, manufacturing and services sector.

As on 18.11.2024, 2.52 lakh loans amounting to Rs. 56,953 crores have been sanctioned since inception of the Scheme.

The year-wise achievements since 2018-19 and State-wise number of beneficiaries under the above schemes since last three years are annexed in Annexure I and II respectively.

*****

| Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024                                     | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024                                     | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure I as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   |
|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|
| As on                                                                                               | PMJDY                                                                                               | PMJDY                                                                                               | Jansuraksha Schemes                                                                                                                   | Jansuraksha Schemes                                                                                                                   | Atal Pension Yojana (APY)                                                                           | MUDRA                                                                                               | MUDRA                                                                                               | Stand-up India                                                                                      | Stand-up India                                                                                      |
| (cumulative)                                                                                        | PMJDY accounts                                                                                      | Deposit in PMJDY accounts                                                                           | PMJJBY enrolments*                                                                                                                    | PMSBY enrolments*                                                                                                                     | APY Enrolments                                                                                      | No of Accounts sanctioned                                                                           | Amount sanctioned                                                                                   | No of Accounts sanctioned                                                                           | Amount sanctioned                                                                                   |
|                                                                                                     | (in crores)                                                                                         | (in Rs. Crore)                                                                                      |                                                                                                                                       |                                                                                                                                       |                                                                                                     | (in crore)                                                                                          | (in Rs. Lakh crore)                                                                                 |                                                                                                     | (in Rs. crore)                                                                                      |
| Mar'19                                                                                              | 35.27                                                                                               | 96,107                                                                                              | 6,05,48,934                                                                                                                           | 15,91,73,716                                                                                                                          | 1,54,18,285                                                                                         | 18.26                                                                                               | 8.93                                                                                                | 93,140                                                                                              | 20,660.74                                                                                           |
| Mar'20                                                                                              | 38.33                                                                                               | 1,18,434                                                                                            | 7,15,17,482                                                                                                                           | 18,89,96,334                                                                                                                          | 2,23,01,658                                                                                         | 24.48                                                                                               | 12.31                                                                                               | 1,13,395                                                                                            | 25,505.79                                                                                           |
| Mar'21                                                                                              | 42.20                                                                                               | 1,45,551                                                                                            | 10,34,78,174                                                                                                                          | 23,40,34,917                                                                                                                          | 3,02,15,800                                                                                         | 29.56                                                                                               | 15.53                                                                                               | 1,29,010                                                                                            | 29,286.78                                                                                           |
| Mar'22                                                                                              | 45.06                                                                                               | 1,66,459                                                                                            | 12,89,49,003                                                                                                                          | 28,62,81,970                                                                                                                          | 4,01,27,279                                                                                         | 34.94                                                                                               | 18.92                                                                                               | 1,48,759                                                                                            | 33,787.64                                                                                           |
| Mar'23                                                                                              | 48.65                                                                                               | 1,98,844                                                                                            | 16,31,01,675                                                                                                                          | 34,41,10,390                                                                                                                          | 5,20,58,664                                                                                         | 41.17                                                                                               | 23.48                                                                                               | 1,88,650                                                                                            | 42,729.66                                                                                           |
| Mar'24                                                                                              | 51.95                                                                                               | 2,32,502                                                                                            | 20,16,80,800                                                                                                                          | 44,34,01,449                                                                                                                          | 6,43,52,154                                                                                         | 47.84                                                                                               | 28.89                                                                                               | 2,28,260                                                                                            | 51,619.41                                                                                           |
| Source: Banks                                                                                       | Source: Banks                                                                                       | Source: Banks                                                                                       | Source: Banks (for universal schemes) and insurance companies (for converged schemes) *policy period starts from 1st June to 31st May | Source: Banks (for universal schemes) and insurance companies (for converged schemes) *policy period starts from 1st June to 31st May | Source: PFRDA                                                                                       | Source: PMMYportal                                                                                  | Source: PMMYportal                                                                                  | Source: SIDBI                                                                                       | Source: SIDBI                                                                                       |

| Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   |
|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|
| State-wise number of PMJDY accounts                                                                  | State-wise number of PMJDY accounts                                                                  | State-wise number of PMJDY accounts                                                                  | State-wise number of PMJDY accounts                                                                  | State-wise number of PMJDY accounts                                                                  | State-wise number of PMJDY accounts                                                                  |
| S.No                                                                                                 | State/UT Name                                                                                        | Mar'22                                                                                               | Mar'23                                                                                               | Mar'24                                                                                               | As on 20.11.24                                                                                       |
| 1                                                                                                    | Andaman & Nicobar Islands                                                                            | 46,495                                                                                               | 48,250                                                                                               | 61,131                                                                                               | 60,363                                                                                               |
| 2                                                                                                    | Andhra Pradesh                                                                                       | 11,709,526                                                                                           | 13,084,216                                                                                           | 14,766,900                                                                                           | 15,198,288                                                                                           |
| 3                                                                                                    | Arunachal Pradesh                                                                                    | 376,540                                                                                              | 407,611                                                                                              | 452,318                                                                                              | 458,839                                                                                              |
| 4                                                                                                    | Assam                                                                                                | 20,340,337                                                                                           | 22,155,400                                                                                           | 23,617,352                                                                                           | 24,497,833                                                                                           |
| 5                                                                                                    | Bihar                                                                                                | 51,015,484                                                                                           | 54,671,536                                                                                           | 58,383,870                                                                                           | 61,461,019                                                                                           |
| 6                                                                                                    | Chandigarh                                                                                           | 282,403                                                                                              | 306,335                                                                                              | 327,206                                                                                              | 332,696                                                                                              |
| 7                                                                                                    | Chhattisgarh                                                                                         | 15,963,131                                                                                           | 16,706,712                                                                                           | 17,509,828                                                                                           | 18,021,583                                                                                           |
| 8                                                                                                    | Dadra & Nagar Haveli and Daman & Diu                                                                 | 212,124                                                                                              | 222,562                                                                                              | 230,680                                                                                              | 236,992                                                                                              |
| 9                                                                                                    | Delhi                                                                                                | 5,334,160                                                                                            | 5,798,480                                                                                            | 6,298,366                                                                                            | 6,532,334                                                                                            |
| 10                                                                                                   | Goa                                                                                                  | 170,402                                                                                              | 192,118                                                                                              | 205,517                                                                                              | 210,632                                                                                              |
| 11                                                                                                   | Gujarat                                                                                              | 16,830,997                                                                                           | 17,671,102                                                                                           | 18,403,585                                                                                           | 18,985,961                                                                                           |
| 12                                                                                                   | Haryana                                                                                              | 8,499,466                                                                                            | 9,138,803                                                                                            | 9,925,153                                                                                            | 10,282,946                                                                                           |
| 13                                                                                                   | Himachal Pradesh                                                                                     | 1,603,481                                                                                            | 1,727,029                                                                                            | 1,875,590                                                                                            | 1,954,356                                                                                            |
| 14                                                                                                   | Jammu & Kashmir                                                                                      | 2,570,319                                                                                            | 2,638,254                                                                                            | 2,736,234                                                                                            | 2,445,786                                                                                            |
| 15                                                                                                   | Jharkhand                                                                                            | 16,221,564                                                                                           | 17,408,062                                                                                           | 18,363,047                                                                                           | 19,207,309                                                                                           |
| 16                                                                                                   | Karnataka                                                                                            | 16,019,278                                                                                           | 17,771,929                                                                                           | 19,212,865                                                                                           | 19,776,579                                                                                           |
| 17                                                                                                   | Kerala                                                                                               | 4,905,123                                                                                            | 5,530,505                                                                                            | 6,204,271                                                                                            | 6,531,793                                                                                            |
| 18                                                                                                   | Ladakh                                                                                               | 20,632                                                                                               | 21,216                                                                                               | 21,946                                                                                               | 19,878                                                                                               |
| 19                                                                                                   | Lakshadweep                                                                                          | 7,850                                                                                                | 10,149                                                                                               | 10,179                                                                                               | 9,609                                                                                                |
| 20                                                                                                   | Madhya Pradesh                                                                                       | 37,234,491                                                                                           | 40,420,016                                                                                           | 42,988,303                                                                                           | 44,375,440                                                                                           |
| 21                                                                                                   | Maharashtra                                                                                          | 31,390,727                                                                                           | 32,405,023                                                                                           | 34,081,215                                                                                           | 36,075,275                                                                                           |
| 22                                                                                                   | Manipur                                                                                              | 1,020,734                                                                                            | 1,062,190                                                                                            | 1,089,364                                                                                            | 1,111,902                                                                                            |
| 23                                                                                                   | Meghalaya                                                                                            | 619,098                                                                                              | 670,438                                                                                              | 774,968                                                                                              | 818,386                                                                                              |
| 24                                                                                                   | Mizoram                                                                                              | 315,215                                                                                              | 329,374                                                                                              | 382,123                                                                                              | 403,252                                                                                              |
| 25                                                                                                   | Nagaland                                                                                             | 344,535                                                                                              | 366,611                                                                                              | 391,722                                                                                              | 404,075                                                                                              |
| 26                                                                                                   | Odisha                                                                                               | 18,540,664                                                                                           | 19,984,550                                                                                           | 21,318,071                                                                                           | 22,487,593                                                                                           |
| 27                                                                                                   | Puducherry                                                                                           | 164,215                                                                                              | 188,942                                                                                              | 214,954                                                                                              | 233,095                                                                                              |
| 28                                                                                                   | Punjab                                                                                               | 7,734,261                                                                                            | 8,452,382                                                                                            | 9,078,251                                                                                            | 9,339,319                                                                                            |
| 29                                                                                                   | Rajasthan                                                                                            | 31,377,411                                                                                           | 33,321,407                                                                                           | 35,175,115                                                                                           | 36,267,919                                                                                           |
| 30                                                                                                   | Sikkim                                                                                               | 85,535                                                                                               | 87,606                                                                                               | 90,499                                                                                               | 93,281                                                                                               |
| 31                                                                                                   | Tamil Nadu                                                                                           | 11,595,108                                                                                           | 13,772,809                                                                                           | 15,404,333                                                                                           | 16,459,533                                                                                           |
| 32                                                                                                   | Telangana                                                                                            | 10,434,957                                                                                           | 11,104,621                                                                                           | 11,786,566                                                                                           | 12,181,408                                                                                           |
| 33                                                                                                   | Tripura                                                                                              | 855,118                                                                                              | 955,747                                                                                              | 1,029,198                                                                                            | 1,092,337                                                                                            |
| 34                                                                                                   | Uttar Pradesh                                                                                        | 79,269,087                                                                                           | 86,699,244                                                                                           | 92,519,686                                                                                           | 96,395,085                                                                                           |
| 35                                                                                                   | Uttarakhand                                                                                          | 2,905,904                                                                                            | 3,249,606                                                                                            | 3,586,688                                                                                            | 3,751,305                                                                                            |
| 36                                                                                                   | West Bengal                                                                                          | 44,598,971                                                                                           | 47,955,525                                                                                           | 50,950,149                                                                                           | 52,598,316                                                                                           |
| Total                                                                                                | Total                                                                                                | 450,615,343                                                                                          | 486,536,360                                                                                          | 519,467,243                                                                                          | 540,312,317                                                                                          |

| Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   |
|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|
| S.No.                                                                                                | State/UT                                                                                             |                                                                                                      |                                                                                                      |                                                                                                      |                                                                                                      | PMSBY enrolments                                                                                     | PMSBY enrolments                                                                                     | PMSBY enrolments                                                                                     | PMSBY enrolments                                                                                     |
| S.No.                                                                                                | State/UT                                                                                             | As on 31.05.2022                                                                                     | As on 31.05.2023                                                                                     | As on 31.05.2024                                                                                     | As on 20.11.2024                                                                                     | As on 31.05.2022                                                                                     | As on 31.05.2023                                                                                     | As on 31.05.2024                                                                                     | As on 20.11.2024                                                                                     |
| 1                                                                                                    | Andaman & Nicobar Islands                                                                            | 35,475                                                                                               | 51,340                                                                                               | 71,164                                                                                               | 79,628                                                                                               | 80,613                                                                                               | 101,715                                                                                              | 148,531                                                                                              | 162,382                                                                                              |
| 2                                                                                                    | Andhra Pradesh                                                                                       | 7,096,256                                                                                            | 8,463,484                                                                                            | 30,534,198                                                                                           | 31,450,751                                                                                           | 16,809,450                                                                                           | 19,322,911                                                                                           | 51,231,156                                                                                           | 52,889,837                                                                                           |
| 3                                                                                                    | Arunachal Pradesh                                                                                    | 92,088                                                                                               | 140,762                                                                                              | 205,542                                                                                              | 233,273                                                                                              | 171,160                                                                                              | 251,779                                                                                              | 370,876                                                                                              | 418,691                                                                                              |
| 4                                                                                                    | Assam                                                                                                | 2,089,961                                                                                            | 3,052,600                                                                                            | 4,293,420                                                                                            | 4,619,471                                                                                            | 6,007,612                                                                                            | 7,903,602                                                                                            | 11,338,935                                                                                           | 12,298,230                                                                                           |
| 5                                                                                                    | Bihar                                                                                                | 6,129,689                                                                                            | 9,352,983                                                                                            | 14,989,439                                                                                           | 16,145,575                                                                                           | 16,429,388                                                                                           | 21,216,297                                                                                           | 29,477,723                                                                                           | 32,192,939                                                                                           |
| 6                                                                                                    | Chandigarh                                                                                           | 83,245                                                                                               | 101,887                                                                                              | 126,101                                                                                              | 135,813                                                                                              | 268,988                                                                                              | 307,383                                                                                              | 376,745                                                                                              | 398,557                                                                                              |
| 7                                                                                                    | Chhattisgarh                                                                                         | 2,997,575                                                                                            | 4,298,270                                                                                            | 6,868,181                                                                                            | 7,381,171                                                                                            | 8,527,801                                                                                            | 10,212,821                                                                                           | 14,786,321                                                                                           | 15,663,246                                                                                           |
| 8                                                                                                    | Dadra & Nagar Haveli and Daman & Diu                                                                 | 87,954                                                                                               | 106,921                                                                                              | 132,438                                                                                              | 140,540                                                                                              | 158,007                                                                                              | 183,404                                                                                              | 242,532                                                                                              | 260,236                                                                                              |
| 9                                                                                                    | Delhi                                                                                                | 1,430,520                                                                                            | 1,775,350                                                                                            | 2,142,073                                                                                            | 2,245,036                                                                                            | 3,899,798                                                                                            | 4,521,449                                                                                            | 5,534,896                                                                                            | 5,824,437                                                                                            |
| 10                                                                                                   | Goa                                                                                                  | 168,314                                                                                              | 259,146                                                                                              | 312,352                                                                                              | 326,124                                                                                              | 389,041                                                                                              | 470,794                                                                                              | 642,123                                                                                              | 676,694                                                                                              |
| 11                                                                                                   | Gujarat                                                                                              | 4,696,354                                                                                            | 6,016,278                                                                                            | 7,973,550                                                                                            | 8,598,491                                                                                            | 11,045,199                                                                                           | 13,074,053                                                                                           | 17,163,053                                                                                           | 18,349,194                                                                                           |
| 12                                                                                                   | Haryana                                                                                              | 2,281,969                                                                                            | 2,990,952                                                                                            | 4,018,857                                                                                            | 4,351,651                                                                                            | 5,902,687                                                                                            | 7,283,804                                                                                            | 9,529,819                                                                                            | 10,354,981                                                                                           |
| 13                                                                                                   | Himachal Pradesh                                                                                     | 545,157                                                                                              | 727,832                                                                                              | 1,012,633                                                                                            | 1,098,764                                                                                            | 1,800,443                                                                                            | 2,107,474                                                                                            | 2,635,021                                                                                            | 2,844,878                                                                                            |
| 14                                                                                                   | Jammu & Kashmir                                                                                      | 461,701                                                                                              | 561,913                                                                                              | 890,152                                                                                              | 948,621                                                                                              | 1,122,007                                                                                            | 1,327,466                                                                                            | 1,862,688                                                                                            | 2,024,996                                                                                            |
| 15                                                                                                   | Jharkhand                                                                                            | 2,654,812                                                                                            | 4,434,265                                                                                            | 6,492,072                                                                                            | 7,029,884                                                                                            | 6,861,703                                                                                            | 9,126,276                                                                                            | 12,427,582                                                                                           | 13,424,102                                                                                           |
| 16                                                                                                   | Karnataka                                                                                            | 5,330,297                                                                                            | 6,862,320                                                                                            | 12,967,480                                                                                           | 13,851,149                                                                                           | 11,486,686                                                                                           | 14,203,519                                                                                           | 19,877,120                                                                                           | 21,438,497                                                                                           |
| 17                                                                                                   | Kerala                                                                                               | 1,236,033                                                                                            | 1,621,492                                                                                            | 3,454,677                                                                                            | 3,723,109                                                                                            | 6,041,775                                                                                            | 7,020,111                                                                                            | 9,322,196                                                                                            | 10,231,279                                                                                           |
| 18                                                                                                   | Ladakh                                                                                               | 12,228                                                                                               | 17,730                                                                                               | 27,507                                                                                               | 30,659                                                                                               | 24,132                                                                                               | 34,641                                                                                               | 52,665                                                                                               | 59,801                                                                                               |
| 19                                                                                                   | Lakshadweep                                                                                          | 2,539                                                                                                | 3,780                                                                                                | 5,362                                                                                                | 5,611                                                                                                | 7,880                                                                                                | 9,900                                                                                                | 27,837                                                                                               | 28,482                                                                                               |
| 20                                                                                                   | Madhya Pradesh                                                                                       | 6,425,075                                                                                            | 8,977,648                                                                                            | 12,350,076                                                                                           | 13,312,095                                                                                           | 19,022,842                                                                                           | 23,803,058                                                                                           | 31,129,731                                                                                           | 33,106,199                                                                                           |
| 21                                                                                                   | Maharashtra                                                                                          | 8,124,321                                                                                            | 11,043,789                                                                                           | 14,140,700                                                                                           | 15,434,347                                                                                           | 19,396,544                                                                                           | 24,001,438                                                                                           | 32,343,821                                                                                           | 34,729,274                                                                                           |
| 22                                                                                                   | Manipur                                                                                              | 100,995                                                                                              | 162,349                                                                                              | 315,350                                                                                              | 344,753                                                                                              | 254,099                                                                                              | 372,667                                                                                              | 489,982                                                                                              | 552,507                                                                                              |
| 23                                                                                                   | Meghalaya                                                                                            | 174,116                                                                                              | 303,896                                                                                              | 425,690                                                                                              | 482,592                                                                                              | 372,617                                                                                              | 582,285                                                                                              | 775,670                                                                                              | 874,401                                                                                              |

| 24          | Mizoram       | 134,831     | 188,813     | 285,327     | 329,142     | 223,699     | 299,143     | 447,556     | 504,940     |
|-------------|---------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|
| 25          | Nagaland      | 97,270      | 143,877     | 180,871     | 199,103     | 249,940     | 322,538     | 400,272     | 451,889     |
| 26          | Odisha        | 3,690,373   | 5,363,588   | 8,809,358   | 9,706,949   | 10,338,111  | 13,204,363  | 19,429,293  | 21,257,068  |
| 27          | Puducherry    | 103,022     | 135,879     | 192,309     | 214,823     | 260,849     | 326,317     | 475,393     | 517,505     |
| 28          | Punjab        | 2,193,257   | 2,850,047   | 3,756,407   | 4,110,694   | 7,071,740   | 8,403,660   | 10,909,443  | 11,816,704  |
| 29          | Rajasthan     | 5,387,713   | 7,259,698   | 11,611,998  | 12,548,509  | 14,587,875  | 17,675,664  | 23,096,761  | 25,099,009  |
| 30          | Sikkim        | 67,000      | 94,265      | 123,339     | 133,925     | 143,521     | 189,392     | 234,309     | 256,882     |
| 31          | Tamil Nadu    | 4,422,829   | 5,991,398   | 8,385,897   | 9,222,304   | 12,250,972  | 14,994,464  | 21,625,430  | 23,334,288  |
| 32          | Telangana     | 4,337,059   | 5,335,977   | 6,932,137   | 7,638,846   | 10,219,797  | 11,797,541  | 15,441,627  | 16,582,568  |
| 33          | Tripura       | 251,122     | 336,133     | 447,103     | 496,790     | 836,939     | 983,162     | 1,191,824   | 1,278,302   |
| 34          | Uttar Pradesh | 11,605,795  | 16,713,332  | 25,053,338  | 26,753,443  | 38,348,291  | 47,675,092  | 65,273,037  | 69,850,840  |
| 35          | Uttarakhand   | 696,994     | 1,031,030   | 1,378,027   | 1,506,012   | 2,797,565   | 3,499,704   | 4,391,299   | 4,696,954   |
| 36          | West Bengal   | 5,248,932   | 7,874,519   | 10,775,675  | 11,850,448  | 16,955,393  | 21,383,697  | 28,698,182  | 31,429,690  |
| Total       | Total         | 90,492,871  | 124,645,543 | 201,680,800 | 216,680,096 | 250,365,164 | 308,193,584 | 443,401,449 | 475,880,479 |
| Others      | Others        | 38,456,132  | 38,456,132  | 0           | 0           | 35,916,806  | 35,916,806  | 0           | 0           |
| Grand Total | Grand Total   | 128,949,003 | 163,101,675 | 201,680,800 | 216,680,096 | 286,281,970 | 344,110,390 | 443,401,449 | 475,880,479 |

Source: Banks (for universal schemes) and insurance companies (for converged schemes)

*Others includes data of UCB, RCB & Converged Schemes for which State wise distribution is not available.

| Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   | Annexure II as referred in reply to Lok Sabha Unstarred Question No. 2224 for answer on 09.12.2024   |
|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|
| Sr. No                                                                                               | State/UT                                                                                             | Mar'22                                                                                               | Mar'23                                                                                               | Mar'24                                                                                               | As on Nov 30, 2024                                                                                   |
| 1                                                                                                    | Andaman & Nicobar Islands                                                                            | 12,770                                                                                               | 17,948                                                                                               | 22,656                                                                                               | 24,144                                                                                               |
| 2                                                                                                    | Andhra Pradesh                                                                                       | 2,299,498                                                                                            | 2,820,938                                                                                            | 3,384,368                                                                                            | 3,745,562                                                                                            |
| 3                                                                                                    | Arunachal Pradesh                                                                                    | 47,349                                                                                               | 72,865                                                                                               | 92,840                                                                                               | 96,462                                                                                               |
| 4                                                                                                    | Assam                                                                                                | 886,076                                                                                              | 1,198,121                                                                                            | 1,539,044                                                                                            | 1,699,850                                                                                            |
| 5                                                                                                    | Bihar                                                                                                | 3,997,372                                                                                            | 5,063,225                                                                                            | 6,226,052                                                                                            | 6,859,715                                                                                            |
| 6                                                                                                    | Chandigarh                                                                                           | 59,585                                                                                               | 93,044                                                                                               | 114,694                                                                                              | 121,747                                                                                              |
| 7                                                                                                    | Chhattisgarh                                                                                         | 762,034                                                                                              | 1,043,809                                                                                            | 1,316,508                                                                                            | 1,487,140                                                                                            |
| 8                                                                                                    | Dadra and Nagar Haveli and Daman and Diu                                                             | 80,916                                                                                               | 113,864                                                                                              | 137,976                                                                                              | 147,739                                                                                              |
| 9                                                                                                    | Delhi                                                                                                | 693,393                                                                                              | 905,956                                                                                              | 1,075,824                                                                                            | 1,143,340                                                                                            |
| 10                                                                                                   | Goa                                                                                                  | 126,865                                                                                              | 160,799                                                                                              | 185,914                                                                                              | 194,765                                                                                              |
| 11                                                                                                   | Gujarat                                                                                              | 1,607,503                                                                                            | 1,964,476                                                                                            | 2,356,932                                                                                            | 2,591,547                                                                                            |
| 12                                                                                                   | Haryana                                                                                              | 797,787                                                                                              | 1,078,626                                                                                            | 1,340,929                                                                                            | 1,485,819                                                                                            |
| 13                                                                                                   | Himachal Pradesh                                                                                     | 292,622                                                                                              | 386,054                                                                                              | 469,033                                                                                              | 518,271                                                                                              |
| 14                                                                                                   | Jammu & Kashmir                                                                                      | 114,664                                                                                              | 154,699                                                                                              | 193,584                                                                                              | 212,886                                                                                              |
| 15                                                                                                   | Jharkhand                                                                                            | 1,135,106                                                                                            | 1,534,599                                                                                            | 1,941,856                                                                                            | 2,204,624                                                                                            |
| 16                                                                                                   | Karnataka                                                                                            | 2,294,858                                                                                            | 2,763,104                                                                                            | 3,289,016                                                                                            | 3,736,976                                                                                            |
| 17                                                                                                   | Kerala                                                                                               | 752,097                                                                                              | 907,751                                                                                              | 1,097,107                                                                                            | 1,282,460                                                                                            |
| 18                                                                                                   | Ladakh*                                                                                              | 3,209                                                                                                | 4,454                                                                                                | 5,223                                                                                                | 5,543                                                                                                |
| 19                                                                                                   | Lakshadweep                                                                                          | 5,606                                                                                                | 6,943                                                                                                | 7,454                                                                                                | 7,785                                                                                                |
| 20                                                                                                   | Madhya Pradesh                                                                                       | 2,294,421                                                                                            | 3,001,318                                                                                            | 3,807,122                                                                                            | 4,246,835                                                                                            |
| 21                                                                                                   | Maharashtra                                                                                          | 3,097,671                                                                                            | 4,073,950                                                                                            | 5,126,342                                                                                            | 5,689,438                                                                                            |
| 22                                                                                                   | Manipur                                                                                              | 64,089                                                                                               | 97,589                                                                                               | 118,134                                                                                              | 126,086                                                                                              |
| 23                                                                                                   | Meghalaya                                                                                            | 65,352                                                                                               | 97,735                                                                                               | 118,647                                                                                              | 126,621                                                                                              |
| 24                                                                                                   | Mizoram                                                                                              | 28,665                                                                                               | 39,651                                                                                               | 48,083                                                                                               | 50,143                                                                                               |
| 25                                                                                                   | Nagaland                                                                                             | 75,647                                                                                               | 111,874                                                                                              | 140,387                                                                                              | 146,722                                                                                              |
| 26                                                                                                   | Odisha                                                                                               | 1,504,968                                                                                            | 1,899,877                                                                                            | 2,352,825                                                                                            | 2,640,183                                                                                            |
| 27                                                                                                   | Pondicherry                                                                                          | 63,446                                                                                               | 75,098                                                                                               | 86,888                                                                                               | 95,139                                                                                               |
| 28                                                                                                   | Punjab                                                                                               | 1,118,351                                                                                            | 1,468,720                                                                                            | 1,805,373                                                                                            | 2,003,253                                                                                            |
| 29                                                                                                   | Rajasthan                                                                                            | 2,105,600                                                                                            | 2,808,352                                                                                            | 3,487,527                                                                                            | 3,879,413                                                                                            |
| 30                                                                                                   | Sikkim                                                                                               | 121,006                                                                                              | 192,819                                                                                              | 248,085                                                                                              | 267,199                                                                                              |
| 31                                                                                                   | Tamil Nadu                                                                                           | 2,929,240                                                                                            | 3,654,283                                                                                            | 4,370,049                                                                                            | 4,804,246                                                                                            |
| 32                                                                                                   | Telangana                                                                                            | 1,000,678                                                                                            | 1,325,709                                                                                            | 1,676,324                                                                                            | 1,879,500                                                                                            |
| 33                                                                                                   | Tripura                                                                                              | 139,317                                                                                              | 188,110                                                                                              | 239,629                                                                                              | 270,557                                                                                              |
| 34                                                                                                   | Uttar Pradesh                                                                                        | 6,072,347                                                                                            | 8,208,639                                                                                            | 10,332,563                                                                                           | 11,525,153                                                                                           |
| 35                                                                                                   | Uttarakhand                                                                                          | 403,359                                                                                              | 542,097                                                                                              | 672,437                                                                                              | 742,420                                                                                              |
| 36                                                                                                   | West Bengal                                                                                          | 3,070,457                                                                                            | 3,977,650                                                                                            | 4,920,094                                                                                            | 5,481,147                                                                                            |
| NRI / Others Total                                                                                   | NRI / Others Total                                                                                   | 40,127,279                                                                                           | 52,058,664                                                                                           | 64,352,154                                                                                           | 71,546,633                                                                                           |

| S.No.                                                                              | State/UT                                                                           | Annexure II as referred in reply to Lok Sabha Unstarred Pradhan Mantri             | Annexure II as referred in reply to Lok Sabha Unstarred Pradhan Mantri             | Annexure II as referred in reply to Lok Sabha Unstarred Pradhan Mantri             | Annexure II as referred in reply to Lok Sabha Unstarred Pradhan Mantri             |
|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|
| S.No.                                                                              | State/UT                                                                           | As on Mar'22                                                                       | As on Mar'23                                                                       | As on Mar'24                                                                       | As on 01.11.2024*                                                                  |
| 1                                                                                  | Andaman & Nicobar Islands                                                          | 44,725                                                                             | 48,188                                                                             | 51,319                                                                             | 52,917                                                                             |
| 2                                                                                  | Andhra Pradesh                                                                     | 6,082,384                                                                          | 7,430,977                                                                          | 9,019,659                                                                          | 9,723,106                                                                          |
| 3                                                                                  | Arunachal Pradesh                                                                  | 71,345                                                                             | 88,538                                                                             | 114,969                                                                            | 125,913                                                                            |
| 4                                                                                  | Assam                                                                              | 9,360,063                                                                          | 9,959,276                                                                          | 10,681,501                                                                         | 11,078,637                                                                         |
| 5                                                                                  | Bihar                                                                              | 35,219,999                                                                         | 43,709,230                                                                         | 53,340,507                                                                         | 56,413,602                                                                         |
| 6                                                                                  | Chandigarh                                                                         | 149,450                                                                            | 166,711                                                                            | 182,296                                                                            | 191,385                                                                            |
| 7                                                                                  | Chhattisgarh                                                                       | 6,946,983                                                                          | 8,061,910                                                                          | 9,097,484                                                                          | 9,535,907                                                                          |
| 8                                                                                  | Dadra & Nagar Haveli & Daman & Diu                                                 | 26,770                                                                             | 32,282                                                                             | 37,268                                                                             | 39,740                                                                             |
| 9                                                                                  | Delhi                                                                              | 2,692,805                                                                          | 3,030,281                                                                          | 3,345,906                                                                          | 3,444,397                                                                          |
| 10                                                                                 | Goa                                                                                | 273,448                                                                            | 316,193                                                                            | 358,698                                                                            | 372,205                                                                            |
| 11                                                                                 | Gujarat                                                                            | 10,635,602                                                                         | 12,420,039                                                                         | 14,380,503                                                                         | 15,134,010                                                                         |
| 12                                                                                 | Haryana                                                                            | 6,549,790                                                                          | 7,768,598                                                                          | 8,864,570                                                                          | 9,213,977                                                                          |
| 13                                                                                 | Himachal Pradesh                                                                   | 725,917                                                                            | 877,650                                                                            | 1,024,121                                                                          | 1,084,133                                                                          |
| 14                                                                                 | Jammu & Kashmir                                                                    | 1,086,906                                                                          | 1,417,869                                                                          | 1,784,011                                                                          | 1,953,377                                                                          |
| 15                                                                                 | Jharkhand                                                                          | 9,712,748                                                                          | 11,768,907                                                                         | 13,898,100                                                                         | 14,701,817                                                                         |
| 16                                                                                 | Karnataka                                                                          | 33,445,420                                                                         | 39,037,486                                                                         | 45,496,426                                                                         | 48,132,112                                                                         |
| 17                                                                                 | Kerala                                                                             | 11,607,110                                                                         | 13,388,584                                                                         | 15,362,053                                                                         | 16,389,766                                                                         |
| 18                                                                                 | Ladakh                                                                             | 31,537                                                                             | 41,525                                                                             | 52,538                                                                             | 57,456                                                                             |
| 19                                                                                 | Lakshadweep                                                                        | 6,203                                                                              | 7,826                                                                              | 10,135                                                                             | 11,508                                                                             |
| 20                                                                                 | Madhya Pradesh                                                                     | 21,414,999                                                                         | 25,116,660                                                                         | 28,562,135                                                                         | 29,934,790                                                                         |
| 21                                                                                 | Maharashtra                                                                        | 27,543,923                                                                         | 32,797,247                                                                         | 38,077,226                                                                         | 40,350,419                                                                         |
| 22                                                                                 | Manipur                                                                            | 399,430                                                                            | 439,174                                                                            | 449,840                                                                            | 455,053                                                                            |
| 23                                                                                 | Meghalaya                                                                          | 209,272                                                                            | 234,209                                                                            | 265,842                                                                            | 281,102                                                                            |
| 24                                                                                 | Mizoram                                                                            | 87,550                                                                             | 110,944                                                                            | 139,673                                                                            | 155,532                                                                            |
| 25                                                                                 | Nagaland                                                                           | 97,834                                                                             | 113,006                                                                            | 134,020                                                                            | 145,644                                                                            |
| 26                                                                                 | Odisha                                                                             | 23,606,014                                                                         | 27,528,525                                                                         | 31,290,071                                                                         | 32,602,092                                                                         |
| 27                                                                                 | Puducherry                                                                         | 921,219                                                                            | 1,019,613                                                                          | 1,152,970                                                                          | 1,193,552                                                                          |
| 28                                                                                 | Punjab                                                                             | 6,847,574                                                                          | 8,107,465                                                                          | 9,146,774                                                                          | 9,428,510                                                                          |
| 29                                                                                 | Rajasthan                                                                          | 14,982,811                                                                         | 17,960,251                                                                         | 20,653,807                                                                         | 21,652,584                                                                         |
| 30                                                                                 | Sikkim                                                                             | 121,307                                                                            | 135,112                                                                            | 154,402                                                                            | 161,939                                                                            |
| 31                                                                                 | Tamil Nadu                                                                         | 41,082,795                                                                         | 47,489,308                                                                         | 54,693,309                                                                         | 56,765,658                                                                         |
| 32                                                                                 | Telangana                                                                          | 5,260,364                                                                          | 5,899,687                                                                          | 6,846,746                                                                          | 7,387,127                                                                          |
| 33                                                                                 | Tripura                                                                            | 2,243,619                                                                          | 2,594,278                                                                          | 2,919,075                                                                          | 3,059,217                                                                          |
| 34                                                                                 | Uttar Pradesh                                                                      | 32,447,963                                                                         | 39,256,684                                                                         | 46,936,202                                                                         | 49,564,727                                                                         |
| 35                                                                                 | Uttarakhand                                                                        | 2,142,489                                                                          | 2,587,817                                                                          | 3,033,035                                                                          | 3,175,996                                                                          |
| 36                                                                                 | West Bengal                                                                        | 35,273,067                                                                         | 40,699,983                                                                         | 46,881,855                                                                         | 49,165,210                                                                         |
| Total 349,351,435 411,662,033 478,439,046 503,135,117 Provisional as on 01.11.2024 | Total 349,351,435 411,662,033 478,439,046 503,135,117 Provisional as on 01.11.2024 | Total 349,351,435 411,662,033 478,439,046 503,135,117 Provisional as on 01.11.2024 | Total 349,351,435 411,662,033 478,439,046 503,135,117 Provisional as on 01.11.2024 | Total 349,351,435 411,662,033 478,439,046 503,135,117 Provisional as on 01.11.2024 | Total 349,351,435 411,662,033 478,439,046 503,135,117 Provisional as on 01.11.2024 |

Source: As per data uploaded by MLIs on Mudra portal

| S.No.   | State/UT                           |              |              |              |                  |
|---------|------------------------------------|--------------|--------------|--------------|------------------|
| S.No.   | State/UT                           | As on Mar'22 | As on Mar'23 | As on Mar'24 | As on 31.10.2024 |
| 1       | Andaman & Nicobar Islands          | 254          | 321          | 362          | 379              |
| 2       | Andhra Pradesh                     | 8083         | 10674        | 13508        | 14395            |
| 3       | Arunachal Pradesh                  | 356          | 486          | 631          | 863              |
| 4       | Assam                              | 2182         | 2598         | 3124         | 3447             |
| 5       | Bihar                              | 5031         | 6522         | 7650         | 8722             |
| 6       | Chandigarh                         | 483          | 561          | 640          | 667              |
| 7       | Chhattisgarh                       | 3137         | 3788         | 4516         | 4970             |
| 8       | Dadra & Nagar Haveli & Daman & Diu | 107          | 130          | 148          | 167              |
| 9       | Delhi                              | 4764         | 5212         | 5811         | 6082             |
| 10      | Goa                                | 489          | 612          | 792          | 888              |
| 11      | Gujarat                            | 10417        | 13237        | 16154        | 17596            |
| 12      | Haryana                            | 4746         | 6086         | 7166         | 7826             |
| 13      | Himachal Pradesh                   | 1840         | 2423         | 2917         | 3231             |
| 14      | Jammu & Kashmir                    | 1205         | 1397         | 1588         | 1655             |
| 15      | Jharkhand                          | 2698         | 3222         | 3821         | 4177             |
| 16      | Karnataka                          | 8866         | 12753        | 14738        | 15883            |
| 17      | Kerala                             | 4018         | 6162         | 8653         | 9474             |
| 18      | Ladakh                             | 183          | 373          | 507          | 629              |
| 19      | Lakshadweep                        | 3            | 3            | 3            | 3                |
| 20      | Madhya Pradesh                     | 6232         | 8167         | 11066        | 12545            |
| 21      | Maharashtra                        | 12011        | 16845        | 20942        | 23271            |
| 22      | Manipur                            | 305          | 398          | 430          | 461              |
| 23      | Meghalaya                          | 296          | 365          | 534          | 628              |
| 24      | Mizoram                            | 424          | 533          | 604          | 640              |
| 25      | Nagaland                           | 539          | 690          | 845          | 916              |
| 26      | Odisha                             | 4769         | 5935         | 6839         | 7390             |
| 27      | Puducherry                         | 335          | 397          | 462          | 525              |
| 28      | Punjab                             | 4791         | 6324         | 7799         | 8522             |
| 29      | Rajasthan                          | 7031         | 9449         | 11595        | 13530            |
| 30      | Sikkim                             | 400          | 498          | 573          | 641              |
| 31      | Tamil Nadu                         | 15412        | 18828        | 21836        | 24987            |
| 32      | Telangana                          | 8497         | 9633         | 11895        | 13155            |
| 33      | Tripura                            | 301          | 392          | 519          | 581              |
| 34      | Uttar Pradesh                      | 16929        | 19763        | 23782        | 25819            |
| 35      | Uttarakhand                        | 2467         | 2748         | 3117         | 3451             |
| 36      | West Bengal                        | 9158         | 11125        | 12693        | 13670            |
| Total   | Total                              | 148759       | 188650       | 228260       | 251786           |