Lok Sabha Question No. 1829 (UNSTARRED), answered on 2023-07-31
Subject: Pradhan Mantri Mudra Yojana
Ministry: FINANCE
Asked by: Nihal Chand Chauhan

## Government of India Ministry of Finance

## Department of Financial services

## ANSWERED ON JULY 31, 2023/SRAVANA 9, 1945 (SAKA)

## LOK SABHA UNSTARRED QUESTION NO. 1829 Pradhan Mantri Mudra Yojana

## 1829.  SHRI NIHAL CHAND:

Will the Minister of FINANCE be pleased to state:

- (a) the salient features and objectives of 'Mudra' yojana along with achievements thereof as on date;
- (b) the details of the number of people benefitted with this scheme during the last two years in the country, State/UT-wise;
- (c)  whether any complaint has been received by the Government in respect of not providing proper assistance to needy people by the banks;
- (d) if so, the details thereof; and
- (e) the manner by which the Government has directed banks on the basis of said complaint so that each needy person may avail benefits of this scheme?

## ANSWER

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

- (a) Under Pradhan Mantri Mudra Yojana (PMMY), collateral-free institutional credit up to Rs. 10 lakh  is  provided  by  Member  Lending  Institutions  (MLIs)  i.e.  Scheduled  Commercial  Banks (SCBs), Non-Banking Financial Companies (NBFCs) and Micro Finance Institutions (MFIs).  Any individual, who is otherwise eligible to take a loan and has a business plan for small business enterprise can avail loan under the Scheme for income generating activities in the manufacturing, trading, service sectors and also for activities allied to agriculture across three loan categories, viz. Shishu (loans up to Rs. 50,000/-), Kishore (loans above Rs. 50,000/- and up to Rs. 5 lakh) and Tarun (loans above Rs. 5 lakh and up to Rs. 10 lakh).

The objective of Pradhan Mantri Mudra Yojana (PMMY) is to provide access to institutional finance to new or existing micro unit/ enterprise up to Rs. 10 lakh.

- (b) The number of loans sanctioned to borrowers under the Scheme in the last two years is as below:

| F.Y. 2021-22   | F.Y. 2022-23   |
|----------------|----------------|
| 5,37,95,526    | 6,23,10,598    |

All India data, State-wise and UT-wise is placed at Annexure-I.

(c) to (e) Complaints with regards to implementation of PMMY are redressed in consultation with the respective Banks. The complaints received at the Centralized Public Grievance Redress and Monitoring System (CPGRAMS) are also being taken up with respective Banks for redressal within the prescribed timeline.

****

| Annexure I as referred to in Part (b) of Lok Sabha Unstarred Ques. No. 1829 for 31.07.2023 regarding "Pradhan Mantri Mudra Yojana"   | Annexure I as referred to in Part (b) of Lok Sabha Unstarred Ques. No. 1829 for 31.07.2023 regarding "Pradhan Mantri Mudra Yojana"   | Annexure I as referred to in Part (b) of Lok Sabha Unstarred Ques. No. 1829 for 31.07.2023 regarding "Pradhan Mantri Mudra Yojana"   | Annexure I as referred to in Part (b) of Lok Sabha Unstarred Ques. No. 1829 for 31.07.2023 regarding "Pradhan Mantri Mudra Yojana"   |
|--------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------|
| Sr No                                                                                                                                |                                                                                                                                      | F.Y. 2021-22                                                                                                                         | F.Y. 2022-23                                                                                                                         |
| 1                                                                                                                                    | State/ U.T. Name Andaman and Nicobar Islands                                                                                         | Accounts 1,901                                                                                                                       | Accounts 3,463                                                                                                                       |
| 2                                                                                                                                    | Andhra Pradesh                                                                                                                       | 11,17,922                                                                                                                            | 13,48,593                                                                                                                            |
| 3                                                                                                                                    | Arunachal Pradesh                                                                                                                    | 5,705                                                                                                                                | 17,193                                                                                                                               |
| 4                                                                                                                                    | Assam                                                                                                                                | 6,82,889                                                                                                                             | 5,99,213                                                                                                                             |
| 5                                                                                                                                    | Bihar                                                                                                                                | 66,78,155                                                                                                                            | 84,89,231                                                                                                                            |
| 6                                                                                                                                    | Chandigarh                                                                                                                           | 14,926                                                                                                                               | 17,261                                                                                                                               |
| 7                                                                                                                                    | Chhattisgarh                                                                                                                         | 9,70,396                                                                                                                             | 11,14,927                                                                                                                            |
| 8                                                                                                                                    | Dadra and Nagar Haveli &Daman and Diu                                                                                                | 4,397                                                                                                                                | 5,512                                                                                                                                |
| 9                                                                                                                                    | Delhi                                                                                                                                | 1,94,835                                                                                                                             | 3,37,476                                                                                                                             |
| 10                                                                                                                                   | Goa                                                                                                                                  | 35,950                                                                                                                               | 42,745                                                                                                                               |
| 11                                                                                                                                   | Gujarat                                                                                                                              | 15,90,960                                                                                                                            | 17,84,437                                                                                                                            |
| 12                                                                                                                                   | Haryana                                                                                                                              | 10,57,963                                                                                                                            | 12,18,808                                                                                                                            |
| 13 14                                                                                                                                | Himachal Pradesh Jharkhand                                                                                                           | 1,07,556 17,77,882                                                                                                                   | 1,51,733 20,56,159                                                                                                                   |
| 15                                                                                                                                   | Karnataka                                                                                                                            | 42,98,481                                                                                                                            | 55,92,066                                                                                                                            |
| 16                                                                                                                                   | Kerala                                                                                                                               | 16,20,168                                                                                                                            | 17,81,474                                                                                                                            |
| 17                                                                                                                                   |                                                                                                                                      | 725                                                                                                                                  | 1,623                                                                                                                                |
|                                                                                                                                      | Lakshadweep                                                                                                                          |                                                                                                                                      | 37,01,661                                                                                                                            |
| 18 19                                                                                                                                | Madhya Pradesh Maharashtra                                                                                                           | 32,31,804 41,58,052                                                                                                                  | 52,53,324                                                                                                                            |
| 20                                                                                                                                   | Manipur                                                                                                                              | 74,138                                                                                                                               | 39,744                                                                                                                               |
| 21                                                                                                                                   | Meghalaya                                                                                                                            | 16,892                                                                                                                               | 24,937                                                                                                                               |
| 22                                                                                                                                   | Mizoram                                                                                                                              | 11,396                                                                                                                               | 23,394                                                                                                                               |
| 23                                                                                                                                   | Nagaland                                                                                                                             | 15,191                                                                                                                               | 15,172                                                                                                                               |
| 24                                                                                                                                   | Odisha                                                                                                                               | 36,70,907                                                                                                                            | 39,22,511                                                                                                                            |
| 25                                                                                                                                   | Pondicherry                                                                                                                          | 1,31,525                                                                                                                             | 98,394                                                                                                                               |
|                                                                                                                                      | Punjab                                                                                                                               | 11,09,810                                                                                                                            |                                                                                                                                      |
| 26                                                                                                                                   |                                                                                                                                      | 26,67,998                                                                                                                            | 12,59,891                                                                                                                            |
| 27                                                                                                                                   | Rajasthan                                                                                                                            |                                                                                                                                      | 29,77,440                                                                                                                            |
| 28                                                                                                                                   | Sikkim                                                                                                                               | 11,059                                                                                                                               | 13,805                                                                                                                               |
| 29                                                                                                                                   | Tamil Nadu                                                                                                                           | 56,25,146                                                                                                                            | 64,06,513                                                                                                                            |
| 30                                                                                                                                   | Telangana                                                                                                                            | 5,33,545                                                                                                                             | 6,39,323                                                                                                                             |
| 31                                                                                                                                   | Tripura                                                                                                                              | 3,57,304                                                                                                                             | 3,50,659                                                                                                                             |
| 32                                                                                                                                   | Union Territory of Jammu and Kashmir                                                                                                 | 2,62,645                                                                                                                             | 3,30,963                                                                                                                             |
| 33                                                                                                                                   | Union Territory of Ladakh                                                                                                            | 8,176                                                                                                                                | 9,988                                                                                                                                |
| 34                                                                                                                                   | Uttar Pradesh                                                                                                                        | 57,87,982                                                                                                                            | 68,08,721                                                                                                                            |
| 35                                                                                                                                   | Uttarakhand                                                                                                                          | 3,33,914                                                                                                                             | 4,45,328                                                                                                                             |
| 36                                                                                                                                   | West Bengal                                                                                                                          | 56,27,231                                                                                                                            | 54,26,916                                                                                                                            |
| All India 5,37,95,526 6,23,10,598 Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal                 | All India 5,37,95,526 6,23,10,598 Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal                 | All India 5,37,95,526 6,23,10,598 Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal                 | All India 5,37,95,526 6,23,10,598 Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal                 |