Lok Sabha Question No. 1179 (UNSTARRED), answered on 2025-12-08
Subject: Mudra Yojana
Ministry: FINANCE
Asked by: Shri Balya Mama Suresh Gopinath Mhatre

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

## LOK SABHA UNSTARRED QUESTION NO. 1179 ANSWERED ON MONDAY, DECEMBER 8, 2025/ AGRAHAYANA 17, 1947 (SAKA) Mudra Yojana

## † 1179.  SHRI BALYA MAMA SURESH GOPINATH MHATRE:

Will the Minister of FINANCE be pleased to state:

- (a) the features of the Mudra Scheme;
- (b)  the  details  of  the  funds  sanctioned,  allocated  and  utilized  under  this  scheme  in  the  State  of Maharashtra during the last three years;
- (c) the target set under the said scheme and the number of people benefited from it in Maharashtra and the response of the same across the country; and
- (d) whether any complaints have been received regarding banks not providing adequate assistance to the needy people and if so, the details thereof and the steps taken/being taken by the Government in this regard?

## ANSWER

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

(a):  Under the Pradhan Mantri Mudra Yojana (PMMY), collateral-free institutional credit is provided by Member Lending Institutions (MLIs) such as Scheduled Commercial Banks (SCBs), Regional Rural  Banks  (RRBs),  Non-Banking  Financial  Companies  (NBFCs),  Micro  Finance  Institutions (MFIs) etc.

Any individual, who is otherwise eligible to take a loan and has a business plan for small business enterprise can avail loan under the Scheme. He/ She can avail loans for income generating activities in the manufacturing, trading, services sector and also for activities allied to agriculture across four loan products, 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).  Loans upto Rs. 20 lakh under Tarun Plus category are given to those entrepreneurs who have availed and successfully repaid previous loans under the 'Tarun' category.

(b) and (c) :   The Government gives indicative annual target under Pradhan Mantri Mudra Yojana (PMMY) to Member Lending Institutions(MLIs). MLIs in turn fix their respective State-wise targets according to potential of the area, their presence and other related parameters.

Amount sanctioned and disbursed under PMMY Scheme in the State of Maharashtra, during the last three years i.e. from 01.04.2022 to 31.03.2025 is as under:

(Amount in  Rs. Crore)

| State/ UT   |   No. of loan accounts sanctioned (in crores) | Amount sanctioned   | Amount disbursed   |
|-------------|-----------------------------------------------|---------------------|--------------------|
| Maharashtra |                                          1.49 | 1,30,919            | 1,29,640           |
| All India   |                                         18.37 | 15,50,352           | 15,24,584          |

(As per data uploaded by MLIs on Mudra portal)

(d): Citizens can approach banks through online portals and customer care numbers for any assistance to directly address their issues to the concerned Bank Branches. Further, the Board of Directors of individual Banks lay down appropriate grievance redressal mechanisms within the organization to resolve  customer  grievances.  If  grievances  involving  deficiency  in  services  rendered  by  entities regulated by RBI are not resolved to the satisfaction of the customers or not replied to within a period of  30  days  by  the  regulated  entity,  the  customer  can  approach  the  'Reserve  Bank  -  Integrated Ombudsman Scheme, 2021' that provides cost-free redressal of complaints. Government of India also hosts a web-based portal i.e. Centralized Public Grievance Redressal and Monitoring System (CPGRAM)  wherein  Citizens  can  file  their  grievances  relating  to  Ministries/Departments  of Government of India of States/UTs.

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