Lok Sabha Question No. 2877 (UNSTARRED), answered on 2023-08-07
Subject: Mudra Yojana
Ministry: FINANCE
Asked by: Vinayak Bhaurao Raut

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

## LOK SABHA

## UNSTARRED QUESTION NO. 2877 ANSWERED ON AUGUST 7, 2023/SRAVANA 16, 1945 (SAKA)

## Mudra Yojana

## 2877.  SHRI VINAYAK RAUT: SHRI OMPRAKASH BHUPALSINH ALIAS PAWAN RAJENIMBALKAR:

Will the Minister of FINANCE be pleased to state:

- (a) the present status of MUDRA Yojana in the country;
- (b) whether the scheme has been implemented in all the states of the country;
- (c)  whether the Government has reviewed the scheme and if so, the details thereof;
- (d)  the  number  of  applications  received,  sanctioned  under  the  'SHISHU',  'TARUN'  and 'KISHOR' categories after launching of the MUDRA scheme;
- (e) the details particularly of the Ratnagiri-Sindhudurg parliamentary constituency;
- (f) the details of the bank branches providing loans under MUDRA Yojana in Maharashtra bank-wise district-wise;
- (g) whether the banks are reluctant to grant loans to willing entrepreneurs; and
- (h) if so, the details thereof along with the reasons?

## ANSWER

Minister of State in the Ministry of Finance (Dr. BHAGWAT KARAD)

- (a) and (b) Pradhan Mantri Mudra Yojana (PMMY) was launched on 08.04.2015 and has been implemented across the country. As on 30.06.2023, more than 42.20 crore loans amounting to Rs.24.34 lakh crore have been sanctioned to the borrowers under the scheme.
- (c) PMMY Scheme has been reviewed from time to time wherein the scope and coverage of the Scheme have been expanded: -
- i) From  FY  2016-17,  activities  allied  to  agriculture,  services  supporting  these,  which promote livelihood or are income generating, were brought under the ambit of PMMY;
- ii) From FY 2017-18, loans upto Rs 10 lakh sanctioned for purchase of Tractors and Power Tillers have been included under PMMY; and
- iii)  From 2018-19, two-wheelers loans to individuals for commercial purpose have also been included under PMMY.
- (d)  The  number  of  applications  received  under  the  scheme  is  not  maintained  centrally. However, the number of applications sanctioned under 'SHISHU', 'KISHOR' and 'TARUN' categories, since launch of MUDRA scheme is furnished below:
- (e)  Parliamentary Constituency-wise data is not maintained for loans sanctioned under PMMY Scheme. However, category-wise number of loans sanctioned under the Scheme for Ratnagiri and Sindhudurg Districts is furnished below: -
- *District-wise data for FY 2015-16 is not available
- (f) The details of the bank branches providing loans under MUDRA Yojana Bank-wise and District-wise in Maharashtra is placed at Annexure I.
- (g)  and  (h)  Loans  by  banks  are  extended  after  due  diligence  as  per  their  Board-approved policies and extant Reserve Bank of India (RBI) guidelines which, inter-alia, include viability of project, assessment of repayment capacity of the borrower, credit history of the borrower etc.

| Category   |   No. of loan accounts sanctioned (in crores) |
|------------|-----------------------------------------------|
| Shishu     |                                         34.97 |
| Kishor     |                                          6.39 |
| Tarun      |                                          0.84 |

| District   | No. of loan accounts sanctioned under category (01.04.2016 to 30.06.2023)*   | No. of loan accounts sanctioned under category (01.04.2016 to 30.06.2023)*   | No. of loan accounts sanctioned under category (01.04.2016 to 30.06.2023)*   |
|------------|------------------------------------------------------------------------------|------------------------------------------------------------------------------|------------------------------------------------------------------------------|
|            | Shishu                                                                       | Kishor                                                                       | Tarun                                                                        |
| Ratnagiri  | 1,29,570                                                                     | 57,007                                                                       | 7,380                                                                        |
| Sindhudurg | 94,249                                                                       | 37,680                                                                       | 5,237                                                                        |

****

| Annexure I part (f) for Lok Sabha Ques. No. 2877 for answer on 07.08.2023 regarding " 'Mudra Yojana" Pradhan Mantri Mudra Yojana (PMMY) - State-wise Bank wise branches providing loans under MUDRAin the State of Maharashtra as on   | Annexure I part (f) for Lok Sabha Ques. No. 2877 for answer on 07.08.2023 regarding " 'Mudra Yojana" Pradhan Mantri Mudra Yojana (PMMY) - State-wise Bank wise branches providing loans under MUDRAin the State of Maharashtra as on   | Annexure I part (f) for Lok Sabha Ques. No. 2877 for answer on 07.08.2023 regarding " 'Mudra Yojana" Pradhan Mantri Mudra Yojana (PMMY) - State-wise Bank wise branches providing loans under MUDRAin the State of Maharashtra as on   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 30.06.2023                                                                                                                                                                                                                             | 30.06.2023                                                                                                                                                                                                                             | 30.06.2023                                                                                                                                                                                                                             |
| Sr. no.                                                                                                                                                                                                                                | Name of Bank                                                                                                                                                                                                                           | No. of Bank Branches                                                                                                                                                                                                                   |
| 1                                                                                                                                                                                                                                      | Bank Of Baroda                                                                                                                                                                                                                         | 840                                                                                                                                                                                                                                    |
| 2                                                                                                                                                                                                                                      | Bank Of India                                                                                                                                                                                                                          | 873                                                                                                                                                                                                                                    |
| 3                                                                                                                                                                                                                                      | Bank Of Maharashtra                                                                                                                                                                                                                    | 1136                                                                                                                                                                                                                                   |
| 4                                                                                                                                                                                                                                      | Canara Bank                                                                                                                                                                                                                            | 568                                                                                                                                                                                                                                    |
| 5                                                                                                                                                                                                                                      | Central Bank Of India                                                                                                                                                                                                                  | 590                                                                                                                                                                                                                                    |
| 6                                                                                                                                                                                                                                      | Indian Bank                                                                                                                                                                                                                            | 266                                                                                                                                                                                                                                    |
| 7                                                                                                                                                                                                                                      | Indian Overseas Bank                                                                                                                                                                                                                   | 163                                                                                                                                                                                                                                    |
| 8                                                                                                                                                                                                                                      | Punjab And Sind Bank                                                                                                                                                                                                                   | 35                                                                                                                                                                                                                                     |
| 9                                                                                                                                                                                                                                      | Punjab National Bank                                                                                                                                                                                                                   | 385                                                                                                                                                                                                                                    |
| 10                                                                                                                                                                                                                                     | State Bank Of India                                                                                                                                                                                                                    | 1797                                                                                                                                                                                                                                   |
| 11                                                                                                                                                                                                                                     | Uco Bank                                                                                                                                                                                                                               | 177                                                                                                                                                                                                                                    |
| 12                                                                                                                                                                                                                                     | Union Bank Of India                                                                                                                                                                                                                    | 725                                                                                                                                                                                                                                    |
|                                                                                                                                                                                                                                        | Sub Total of Public Sector Banks                                                                                                                                                                                                       | 7555                                                                                                                                                                                                                                   |
| 13                                                                                                                                                                                                                                     | Axis Bank                                                                                                                                                                                                                              | 536                                                                                                                                                                                                                                    |
| 14                                                                                                                                                                                                                                     | Bandhan Bank                                                                                                                                                                                                                           | 334                                                                                                                                                                                                                                    |
| 15                                                                                                                                                                                                                                     | CSB Bank Limited                                                                                                                                                                                                                       | 66                                                                                                                                                                                                                                     |
| 16                                                                                                                                                                                                                                     | DCB Bank                                                                                                                                                                                                                               | 70                                                                                                                                                                                                                                     |
| 17                                                                                                                                                                                                                                     | Dhanlaxmi Bank                                                                                                                                                                                                                         | 19                                                                                                                                                                                                                                     |
| 18                                                                                                                                                                                                                                     | Federal Bank                                                                                                                                                                                                                           | 105                                                                                                                                                                                                                                    |
| 19                                                                                                                                                                                                                                     | HDFC Bank                                                                                                                                                                                                                              | 858                                                                                                                                                                                                                                    |
| 20                                                                                                                                                                                                                                     | ICICI Bank                                                                                                                                                                                                                             | 768                                                                                                                                                                                                                                    |
| 21                                                                                                                                                                                                                                     | IDBI Bank                                                                                                                                                                                                                              | 431                                                                                                                                                                                                                                    |
| 22                                                                                                                                                                                                                                     | Idfc First Bank                                                                                                                                                                                                                        | 137                                                                                                                                                                                                                                    |
| 23                                                                                                                                                                                                                                     | Indusind Bank                                                                                                                                                                                                                          | 286                                                                                                                                                                                                                                    |
| 24                                                                                                                                                                                                                                     | Karnataka Bank                                                                                                                                                                                                                         | 54                                                                                                                                                                                                                                     |
| 25                                                                                                                                                                                                                                     | Karur Vysya Bank                                                                                                                                                                                                                       | 25                                                                                                                                                                                                                                     |
| 26                                                                                                                                                                                                                                     | Kotak Mahindra Bank                                                                                                                                                                                                                    | 363                                                                                                                                                                                                                                    |
| 27                                                                                                                                                                                                                                     | RBL Bank                                                                                                                                                                                                                               | 137                                                                                                                                                                                                                                    |
| 28                                                                                                                                                                                                                                     | Yes Bank                                                                                                                                                                                                                               | 181                                                                                                                                                                                                                                    |
|                                                                                                                                                                                                                                        | Sub Total of Private Banks                                                                                                                                                                                                             | 4370                                                                                                                                                                                                                                   |
| 29                                                                                                                                                                                                                                     | Au Small Fin.Bank                                                                                                                                                                                                                      | 112                                                                                                                                                                                                                                    |
| 30                                                                                                                                                                                                                                     | Equitas Small Fin. Bank                                                                                                                                                                                                                | 152                                                                                                                                                                                                                                    |
| 31                                                                                                                                                                                                                                     | Esaf Small Fin. Bank                                                                                                                                                                                                                   | 71                                                                                                                                                                                                                                     |
| 32                                                                                                                                                                                                                                     | Fincare Small Fin. Bank                                                                                                                                                                                                                | 75                                                                                                                                                                                                                                     |
| 33                                                                                                                                                                                                                                     | Jana Small Fin. Bank                                                                                                                                                                                                                   | 70                                                                                                                                                                                                                                     |
| 34                                                                                                                                                                                                                                     | Suryoday Small Fin. Bank                                                                                                                                                                                                               | 169                                                                                                                                                                                                                                    |
| 35                                                                                                                                                                                                                                     | Ujjivan Small Fin. Bank                                                                                                                                                                                                                | 47                                                                                                                                                                                                                                     |
| 36                                                                                                                                                                                                                                     | Utkarsh Small Fin. Bank                                                                                                                                                                                                                | 69                                                                                                                                                                                                                                     |
|                                                                                                                                                                                                                                        | Sub Total of Small Finance Banks                                                                                                                                                                                                       | 765                                                                                                                                                                                                                                    |
| 37                                                                                                                                                                                                                                     | Maharashtra Gramin Bank                                                                                                                                                                                                                | 421                                                                                                                                                                                                                                    |
| 38                                                                                                                                                                                                                                     | Vidharbha Konkan Gramin Bank                                                                                                                                                                                                           | 321                                                                                                                                                                                                                                    |
|                                                                                                                                                                                                                                        | Sub Total of Regional Rural Banks                                                                                                                                                                                                      | 742                                                                                                                                                                                                                                    |
|                                                                                                                                                                                                                                        | Grand Total                                                                                                                                                                                                                            | 13432                                                                                                                                                                                                                                  |

| Annexure I part (f) for Lok Sabha Ques. No. 2877 for answer on 07.08.2023 regarding " 'Mudra Yojana" District wise Bank branches providing loans underMUDRA in the State of   | Annexure I part (f) for Lok Sabha Ques. No. 2877 for answer on 07.08.2023 regarding " 'Mudra Yojana" District wise Bank branches providing loans underMUDRA in the State of   | Annexure I part (f) for Lok Sabha Ques. No. 2877 for answer on 07.08.2023 regarding " 'Mudra Yojana" District wise Bank branches providing loans underMUDRA in the State of   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Sr. no.                                                                                                                                                                       | Name of District                                                                                                                                                              | No. of Bank Branches                                                                                                                                                          |
| 1                                                                                                                                                                             | Ahmednagar                                                                                                                                                                    | 475                                                                                                                                                                           |
| 2                                                                                                                                                                             | Akola                                                                                                                                                                         | 170                                                                                                                                                                           |
| 3                                                                                                                                                                             | Amravati                                                                                                                                                                      | 292                                                                                                                                                                           |
| 4                                                                                                                                                                             | Aurangabad                                                                                                                                                                    | 359                                                                                                                                                                           |
| 5                                                                                                                                                                             | Beed                                                                                                                                                                          | 166                                                                                                                                                                           |
| 6                                                                                                                                                                             | Bhandara                                                                                                                                                                      | 127                                                                                                                                                                           |
| 7                                                                                                                                                                             | Buldhana                                                                                                                                                                      | 215                                                                                                                                                                           |
| 8                                                                                                                                                                             | Chandrapur                                                                                                                                                                    | 223                                                                                                                                                                           |
| 9                                                                                                                                                                             | Dhule                                                                                                                                                                         | 146                                                                                                                                                                           |
| 10                                                                                                                                                                            | Gadchiroli                                                                                                                                                                    | 76                                                                                                                                                                            |
| 11                                                                                                                                                                            | Gondia                                                                                                                                                                        | 116                                                                                                                                                                           |
| 12                                                                                                                                                                            | Hingoli                                                                                                                                                                       | 78                                                                                                                                                                            |
| 13                                                                                                                                                                            | Jalgaon                                                                                                                                                                       | 382                                                                                                                                                                           |
| 14                                                                                                                                                                            | Jalna                                                                                                                                                                         | 131                                                                                                                                                                           |
| 15                                                                                                                                                                            | Kolhapur                                                                                                                                                                      | 451                                                                                                                                                                           |
| 16                                                                                                                                                                            | Latur                                                                                                                                                                         | 193                                                                                                                                                                           |
| 17                                                                                                                                                                            | Mumbai                                                                                                                                                                        | 942                                                                                                                                                                           |
| 18                                                                                                                                                                            | Mumbai Suburban                                                                                                                                                               | 1371                                                                                                                                                                          |
| 19                                                                                                                                                                            | Nagpur                                                                                                                                                                        | 758                                                                                                                                                                           |
| 20                                                                                                                                                                            | Nanded                                                                                                                                                                        | 228                                                                                                                                                                           |
| 21                                                                                                                                                                            | Nandurbar                                                                                                                                                                     | 85                                                                                                                                                                            |
| 22                                                                                                                                                                            | Nashik                                                                                                                                                                        | 669                                                                                                                                                                           |
| 23                                                                                                                                                                            | Osmanabad                                                                                                                                                                     | 126                                                                                                                                                                           |
| 24                                                                                                                                                                            | Palghar                                                                                                                                                                       | 313                                                                                                                                                                           |
| 25                                                                                                                                                                            | Parbhani                                                                                                                                                                      | 116                                                                                                                                                                           |
| 26                                                                                                                                                                            | Pune                                                                                                                                                                          | 1717                                                                                                                                                                          |
| 27                                                                                                                                                                            | Raigad                                                                                                                                                                        | 494                                                                                                                                                                           |
| 28                                                                                                                                                                            | Ratnagiri                                                                                                                                                                     | 253                                                                                                                                                                           |
| 29                                                                                                                                                                            | Sangli                                                                                                                                                                        | 311                                                                                                                                                                           |
| 30                                                                                                                                                                            | Satara                                                                                                                                                                        | 331                                                                                                                                                                           |
| 31                                                                                                                                                                            | Sindhudurg                                                                                                                                                                    | 158                                                                                                                                                                           |
| 32                                                                                                                                                                            | Solapur                                                                                                                                                                       | 420                                                                                                                                                                           |
| 33                                                                                                                                                                            | Thane                                                                                                                                                                         | 1086                                                                                                                                                                          |
| 34                                                                                                                                                                            | Wardha                                                                                                                                                                        | 168                                                                                                                                                                           |
| 35                                                                                                                                                                            | Washim                                                                                                                                                                        | 92                                                                                                                                                                            |
| 36                                                                                                                                                                            | Yavatmal                                                                                                                                                                      | 212                                                                                                                                                                           |
| Total                                                                                                                                                                         |                                                                                                                                                                               | 13432                                                                                                                                                                         |