Lok Sabha Question No. 2323 (UNSTARRED), answered on 2025-12-15
Subject: Pradhan Mantri Mudra Yojana (PMMY)
Ministry: FINANCE
Asked by: Shri Malaiyarasan D

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

## LOK SABHA UNSTARRED QUESTION NO. 2323 ANSWERED ON MONDAY, DECEMBER 15, 2025/ AGRAHAYANA 24, 1947 (SAKA) Pradhan Mantri Mudra Yojana (PMMY)

## 2323.  SHRI MALAIYARASAN D:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government has evaluated the actual impact of the Pradhan Mantri Mudra Yojana (PMMY) on employment generation, especially among first-time entrepreneurs;
- (b) if so, the details of such evaluation along with State-wise and category-wise (Shishu, Kishor, Tarun) data on the number of beneficiaries from Tamil Nadu during the last five years;
- (c) whether instances of high Non-Performing Assets (NPAs) have been reported under Mudra loans, particularly from public sector banks;
- (d)  if  so,  the  details  thereof  and  the  steps  taken  to  strengthen  credit  appraisal  and  recovery mechanisms; and
- (e) whether the Government proposes to review or restructure the scheme in light of concerns about loan utilisation, repayment capacity and monitoring and if so, the details thereof?

## ANSWER

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

a) and (b):  Ministry of Labour and Employment (MoLE) had conducted a large sample survey at the national level to estimate employment generation under PMMY.

As per the survey results, PMMY helped in generation of 1.12 crore net additional employment during a period of approximately 3 years (i.e. from 2015 to 2018).

The state and category-wise (Shishu, Kishor, Tarun & Tarun Plus) data on the number of beneficiaries (loans) for the last five years, including Tamil Nadu, is placed at Annexure.

(c) to (e):  PMMY mainly caters to those segment of the society which have been outside the formal credit system because of lack of collaterals, business experience etc.  The NPA rate under PMMY for Public Sector Banks (PSBs), as on June, 2025, is 3.31% (against the disbursed amount). This is mainly because  the  loans  under  the  scheme  are  collateral  free  and  are  often  provided  to  new  business entrepreneurs who may lack business experience and expertise.

The  monitoring  mechanisms  adopted  by  the  Government  to  ensure  effective  sanctioning  and utilisation of loans disbursed by Member Lending Institutions (MLIs) under Pradhan Mantri Mudra Yojana (PMMY) include setting of annual indicative targets and periodic reviews of the performance. In addition, lenders undertake:

- i. pre-sanction field visits to verify details as provided in the loan applications by the borrowers and post-sanction visits for verification of assets created out of the loan amount;
- ii. collection of stock statement of the Unit of the borrower and its periodic verification for fixing Drawing Power (DP) for working capital for a particular period;
- iii. periodic monitoring of cash flow data to analyse from where the Unit receives its money (cash inflow) and how it spends (cash outflow);
- iv. monitoring of early warning signals (EWS) which throw up alerts for MLIs; and
- v. constant follow up and increased frequency of customer connects.

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| Annexure for part (a) and (b) of Lok Sabha Unstarred Question No. 2323 for 15.12.2025 regarding   | Annexure for part (a) and (b) of Lok Sabha Unstarred Question No. 2323 for 15.12.2025 regarding   | Annexure for part (a) and (b) of Lok Sabha Unstarred Question No. 2323 for 15.12.2025 regarding   | Annexure for part (a) and (b) of Lok Sabha Unstarred Question No. 2323 for 15.12.2025 regarding   | Annexure for part (a) and (b) of Lok Sabha Unstarred Question No. 2323 for 15.12.2025 regarding   | Annexure for part (a) and (b) of Lok Sabha Unstarred Question No. 2323 for 15.12.2025 regarding   |
|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|
| Statewise ( for last five years (From FY 2020-21 To 2024-25))                                     | Statewise ( for last five years (From FY 2020-21 To 2024-25))                                     | Statewise ( for last five years (From FY 2020-21 To 2024-25))                                     | Statewise ( for last five years (From FY 2020-21 To 2024-25))                                     | Statewise ( for last five years (From FY 2020-21 To 2024-25))                                     | Statewise ( for last five years (From FY 2020-21 To 2024-25))                                     |
| S.No.                                                                                             | State/ U.T. Name                                                                                  | Shishu                                                                                            | No. of Loan Kishor                                                                                | Tarun                                                                                             | Tarun Plus                                                                                        |
| 1                                                                                                 | Andaman and Nicobar Islands                                                                       | 4,202                                                                                             | 8,479                                                                                             | 4,307                                                                                             | 2                                                                                                 |
| 2                                                                                                 | Andhra Pradesh                                                                                    | 39,54,229                                                                                         | 22,76,683                                                                                         | 4,32,347                                                                                          | 8,770                                                                                             |
| 3                                                                                                 | Arunachal Pradesh                                                                                 | 47,595                                                                                            | 37,001                                                                                            | 7,439                                                                                             | 20                                                                                                |
| 4                                                                                                 | Assam                                                                                             | 26,27,889                                                                                         | 16,56,687                                                                                         | 1,25,610                                                                                          | 232                                                                                               |
| 5                                                                                                 | Bihar                                                                                             | 2,61,50,975                                                                                       | 1,14,03,446                                                                                       | 3,20,986                                                                                          | 1,163                                                                                             |
| 6                                                                                                 | Chandigarh                                                                                        | 43,600                                                                                            | 28,563                                                                                            | 11,611                                                                                            | 17                                                                                                |
| 7                                                                                                 | Chhattisgarh                                                                                      | 35,49,517                                                                                         | 14,84,005                                                                                         | 1,30,617                                                                                          | 201                                                                                               |
| 8                                                                                                 | Dadra and Nagar Haveli &Daman and Diu                                                             | 10,666                                                                                            | 11,437                                                                                            | 3,934                                                                                             | 13                                                                                                |
| 9                                                                                                 | Delhi                                                                                             | 8,54,951                                                                                          | 3,89,415                                                                                          | 1,33,114                                                                                          | 466                                                                                               |
| 10                                                                                                | Goa                                                                                               | 89,395                                                                                            | 76,592                                                                                            | 20,287                                                                                            | 31                                                                                                |
| 11                                                                                                | Gujarat                                                                                           | 53,33,354                                                                                         | 26,68,638                                                                                         | 3,33,977                                                                                          | 1,030                                                                                             |
| 12                                                                                                | Haryana                                                                                           | 33,04,243                                                                                         | 16,98,604                                                                                         | 1,75,042                                                                                          | 387                                                                                               |
| 13                                                                                                | Himachal Pradesh                                                                                  | 2,48,234                                                                                          | 3,18,377                                                                                          | 79,894                                                                                            | 97                                                                                                |
| 14                                                                                                | Jharkhand                                                                                         | 69,90,046                                                                                         | 21,71,233                                                                                         | 1,38,697                                                                                          | 368                                                                                               |
| 15                                                                                                | Karnataka                                                                                         | 1,73,11,693                                                                                       | 81,10,375                                                                                         | 5,15,279                                                                                          | 813                                                                                               |
| 16                                                                                                | Kerala                                                                                            | 56,45,473                                                                                         | 30,24,072                                                                                         | 2,35,444                                                                                          | 1,270                                                                                             |
| 17                                                                                                | Lakshadweep                                                                                       | 3,261                                                                                             | 4,992                                                                                             | 461                                                                                               | -                                                                                                 |
| 18                                                                                                | Madhya Pradesh                                                                                    | 1,21,25,986                                                                                       | 44,18,805                                                                                         | 3,85,545                                                                                          | 536                                                                                               |
| 19                                                                                                | Maharashtra                                                                                       | 1,60,61,287                                                                                       | 61,40,345                                                                                         | 7,05,426                                                                                          | 1,251                                                                                             |
| 20                                                                                                | Manipur                                                                                           | 1,47,941                                                                                          | 49,949                                                                                            | 7,991                                                                                             | 25                                                                                                |
| 21                                                                                                | Meghalaya                                                                                         | 84,265                                                                                            | 55,329                                                                                            | 9,639                                                                                             | 15                                                                                                |
| 22                                                                                                | Mizoram                                                                                           | 46,378                                                                                            | 44,364                                                                                            | 11,948                                                                                            | 8                                                                                                 |
| 23                                                                                                | Nagaland                                                                                          | 42,176                                                                                            | 52,027                                                                                            | 8,939                                                                                             | 24                                                                                                |
| 24                                                                                                | Odisha                                                                                            | 1,37,97,007                                                                                       | 37,70,891                                                                                         | 2,15,450                                                                                          | 504                                                                                               |
| 25                                                                                                | Pondicherry                                                                                       | 3,48,036                                                                                          | 2,00,381                                                                                          | 9,358                                                                                             | 6                                                                                                 |
| 26                                                                                                | Punjab                                                                                            | 35,46,590                                                                                         | 14,76,574                                                                                         | 1,87,125                                                                                          | 380                                                                                               |
| 27                                                                                                | Rajasthan                                                                                         | 84,20,692                                                                                         | 41,47,845                                                                                         | 4,14,425                                                                                          | 954                                                                                               |
| 28                                                                                                | Sikkim                                                                                            | 33,717                                                                                            | 39,895                                                                                            | 5,071                                                                                             | 12                                                                                                |
| 29                                                                                                | Tamil Nadu                                                                                        | 1,85,46,665                                                                                       | 97,10,353                                                                                         | 4,62,047                                                                                          | 1,294                                                                                             |
| 30                                                                                                | Telangana                                                                                         | 24,89,159                                                                                         | 11,51,546                                                                                         | 2,45,471                                                                                          | 7,358                                                                                             |
| 31                                                                                                | Tripura                                                                                           | 10,04,080                                                                                         | 6,86,944                                                                                          | 17,298                                                                                            | 40                                                                                                |
| 32                                                                                                | Union Territory of Jammu and Kashmir                                                              | 4,09,699                                                                                          | 10,67,242                                                                                         | 1,76,664                                                                                          | 42                                                                                                |
| 33                                                                                                | Union Territory of Ladakh                                                                         | 3,781                                                                                             | 37,926                                                                                            | 8,139                                                                                             | 5                                                                                                 |
| 34                                                                                                | Uttar Pradesh                                                                                     | 2,20,03,219                                                                                       | 82,17,927                                                                                         | 7,15,986                                                                                          | 1,771                                                                                             |
| 35 36                                                                                             | Uttarakhand West Bengal                                                                           | 11,68,360                                                                                         | 6,11,995 98,42,118                                                                                | 83,831 4,69,729                                                                                   | 263                                                                                               |
|                                                                                                   | Total                                                                                             | 1,79,00,860                                                                                       | 8,70,91,055                                                                                       |                                                                                                   | 1,059                                                                                             |
|                                                                                                   |                                                                                                   | 19,43,49,221                                                                                      |                                                                                                   | 68,09,128                                                                                         | 30,427                                                                                            |

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

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