Lok Sabha Question No. 3416 (UNSTARRED), answered on 2016-08-05
Subject: MUDRA Loans
Ministry: FINANCE
Asked by: MD. BADARIDDOZA KHAN, UDIT RAJ, SURESH KODIKUNNIL, RAMESH POKHRIYAL NISHANK, RAVINDRA KUSHAWAHA, PRALHAD VENKATESH JOSHI, S.SELVAKUMARA CHINNAYAN

3416

SHRI MD. BADARUDDOZA KHAN :

DR. UDIT RAJ:

SHRI KODIKUNNIL SURESH:

SHRI ANTO ANTONY:

DR. RAMESH POKHRIYAL'NISHANK':

SHRI RAVINDER KUSHAWAHA:

SHRI PRALHAD JOSHI:

SHRI S. SELVAKUMARA CHINNAYAN :

Will the Minister of FINANCE be pleased to state:

- (a) whether the banks are achieving their target for sanctioning of Micro Unit Development and Refinance Agency (MUDRA) loans and if so, the details thereof along with the total number of applications received/people benefitted and the amount disbursed including percentage of loans given to women, Scheduled Castes/Scheduled Tribes/Other Backward Classes entrepreneurs by the Public Sector Banks during the last two years and the current year, bank and State/UT-wise;
- (a) whether the Government has received any complaints against banks that they are not co-operating with Pradhan Mantri Mudra Yojana for the unemployed persons in the country and if so, the details thereof, Bank-wise;
- (b) whether the banks are forcely demanding for collateral security to release MUDRA loan to needy and if so, the details thereof;
- (c) whether the Government has made any changes in the Pradhan Mantri Mudra Yojana and if so, the details thereof; and
- (d) the steps taken/being taken by the Government to increase awareness about the MUDRA Yojana in this regard?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI SANTOSH KUMAR GANGWAR)

- (a) As against the target of Rs.1,22,188 crore fixed under Pradhan Mantri Mudra Yojana (PMMY) for 2015-16, Banks and Micro Finance Institutions (MFIs) have together disbursed Rs.1,32,954.73 crore to 3.48 crore borrowers, thereby achieving 109% of the target. Details in respect of amount and number of borrowers in women, Scheduled Castes (SCs) /Scheduled Tribes (STs) /Other Backward Classes (OBCs) categories by Public Sector Banks (PSBs) bank wise and state-wise is at Annex I.
- (b) A total of4617 complaints in respect of various aspects have been received on PMMY under Centralized Public Grievance Redress and Monitoring System (CPGRAM). These inter alia include delays in sanction, refusal to give loan, demand for collateral securities etc. Bank wise details are at Annex II.
- (c) As per Reserve Bank of India (RBI) guidelines banks are mandated not to accept collateral security in the case of loans up to Rs. 10 lakh extended to units in Micro Small Enterprises (MSE) sector. Complaints in this regard are addressed from time to time.
- (d) With effect from April 2016, the following changes have been made under PMMY:

(i)Activities allied to Agriculture and services supporting, which promote livelihood or are income generating, have been included.

- (ii) PMMY loans may be extended on cluster basis in addition to existing individual cases.

(iii)Sub-products under MUDRA could be developed by individual banks e.g., MUDRA Weavers Card.

- (e) The following steps have been taken to increase awareness about PMMY:
-  Banks have conducted awareness programmes for dissemination of information about PMMY. Banners / hoardings / posters about the scheme have been prominently displayed by all the banks at select locations / its branches.
-  Campaign by Government from 01.09.2015 to 02.10.2015 through print media, radio jingles, hoardings, town hall meetings, credit camps etc. to disseminate the details of the PMMY scheme.
-  Indian Banks' Association (IBA) also carried out a publicity campaign during January 2016 to March 2016.
-  Social media campaign through Twitter and Facebook.

## Government of India Ministry of Finance Department of Financial services LOK SABHA UNSTARRED QUESTION No. 3416 TO BE ANSWERED ON THE 05 th

## August 2016/SHRAVANA 14, 1938 (SAKA) MUDRA loan

| State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   | State wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for   |
|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|
| SL No                                                                                                           |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 | 2015-16 and 2016-17 ( as on 22.07.2016) 2015-16                                                                 | 2015-16 and 2016-17 ( as on 22.07.2016) 2015-16                                                                 | 2015-16 and 2016-17 ( as on 22.07.2016) 2015-16                                                                 | 2015-16 and 2016-17 ( as on 22.07.2016) 2015-16                                                                 | 2015-16 and 2016-17 ( as on 22.07.2016) 2015-16                                                                 | 2015-16 and 2016-17 ( as on 22.07.2016) 2015-16                                                                 |
| SL No                                                                                                           | Name of the State                                                                                               | Disbursement (Rs. In crore)                                                                                     | Total no. of Accounts                                                                                           | SC                                                                                                              | ST                                                                                                              | OBC                                                                                                             | Women                                                                                                           | Disbursement (Rs. In crore)                                                                                     | Total no. of Accounts                                                                                           | SC                                                                                                              | ST                                                                                                              | OBC                                                                                                             | Women                                                                                                           |
| 1                                                                                                               | Andaman and Nicobar Islands                                                                                     | 212.78                                                                                                          | 24,719                                                                                                          | 11%                                                                                                             | 2%                                                                                                              | 58%                                                                                                             | 19%                                                                                                             | 7.60                                                                                                            | 429                                                                                                             | 1%                                                                                                              | 0%                                                                                                              | 1%                                                                                                              | 29%                                                                                                             |
| 2                                                                                                               | Andhra Pradesh                                                                                                  | 5,790.79                                                                                                        | 7,95,688                                                                                                        | 8%                                                                                                              | 2%                                                                                                              | 26%                                                                                                             | 31%                                                                                                             | 968.26                                                                                                          | 1,10,183                                                                                                        | 9%                                                                                                              | 2%                                                                                                              | 25%                                                                                                             | 34%                                                                                                             |
| 3                                                                                                               | Arunachal Pradesh                                                                                               | 71.62                                                                                                           | 4,625                                                                                                           | 10%                                                                                                             | 53%                                                                                                             | 13%                                                                                                             | 19%                                                                                                             | 12.47                                                                                                           | 894                                                                                                             | 3%                                                                                                              | 50%                                                                                                             | 24%                                                                                                             | 11%                                                                                                             |
| 4                                                                                                               | Assam                                                                                                           | 1,728.46                                                                                                        | 4,27,272                                                                                                        | 6%                                                                                                              | 5%                                                                                                              | 20%                                                                                                             | 71%                                                                                                             | 396.57                                                                                                          | 1,27,594                                                                                                        | 7%                                                                                                              | 4%                                                                                                              | 27%                                                                                                             | 60%                                                                                                             |
| 5                                                                                                               | Bihar                                                                                                           | 7,265.91                                                                                                        | 24,51,439                                                                                                       | 15%                                                                                                             | 4%                                                                                                              | 59%                                                                                                             | 84%                                                                                                             | 1,452.60                                                                                                        | 6,06,671                                                                                                        | 14%                                                                                                             | 4%                                                                                                              | 60%                                                                                                             | 91%                                                                                                             |
| 6                                                                                                               | Chandigarh                                                                                                      | 204.52                                                                                                          | 22,605                                                                                                          | 6%                                                                                                              | 0%                                                                                                              | 8%                                                                                                              | 32%                                                                                                             | 38.94                                                                                                           | 2,527                                                                                                           | 14%                                                                                                             | 0%                                                                                                              | 10%                                                                                                             | 23%                                                                                                             |
| 7                                                                                                               | Chhattisgarh                                                                                                    | 2,156.14                                                                                                        | 6,39,711                                                                                                        | 12%                                                                                                             | 11%                                                                                                             | 41%                                                                                                             | 76%                                                                                                             | 436.88                                                                                                          | 1,50,780                                                                                                        | 12%                                                                                                             | 11%                                                                                                             | 45%                                                                                                             | 85%                                                                                                             |
| 8                                                                                                               | Dadra and Nagar Haveli                                                                                          | 21.27                                                                                                           | 1,236                                                                                                           | 3%                                                                                                              | 12%                                                                                                             | 7%                                                                                                              | 28%                                                                                                             | 2.51                                                                                                            | 311                                                                                                             | 3%                                                                                                              | 14%                                                                                                             | 2%                                                                                                              | 45%                                                                                                             |
| 9                                                                                                               | Daman and Diu                                                                                                   | 12.02                                                                                                           | 1,109                                                                                                           | 5%                                                                                                              | 2%                                                                                                              | 16%                                                                                                             | 24%                                                                                                             | 2.55                                                                                                            | 424                                                                                                             | 5%                                                                                                              | 1%                                                                                                              | 2%                                                                                                              | 28%                                                                                                             |
| 10                                                                                                              | Delhi                                                                                                           | 2,857.97                                                                                                        | 3,94,388                                                                                                        | 13%                                                                                                             | 3%                                                                                                              | 16%                                                                                                             | 55%                                                                                                             | 719.19                                                                                                          | 42,128                                                                                                          | 11%                                                                                                             | 3%                                                                                                              | 20%                                                                                                             | 57%                                                                                                             |
| 11                                                                                                              | Goa                                                                                                             | 376.04                                                                                                          | 45,471                                                                                                          | 1%                                                                                                              | 21%                                                                                                             | 13%                                                                                                             | 36%                                                                                                             | 64.80                                                                                                           | 5,745                                                                                                           | 1%                                                                                                              | 1%                                                                                                              | 24%                                                                                                             | 54%                                                                                                             |
| 12                                                                                                              | Gujarat                                                                                                         | 5,910.02                                                                                                        | 10,86,407                                                                                                       | 7%                                                                                                              | 6%                                                                                                              | 30%                                                                                                             | 69%                                                                                                             | 1,556.71                                                                                                        | 2,94,382                                                                                                        | 8%                                                                                                              | 5%                                                                                                              | 43%                                                                                                             | 81%                                                                                                             |
| 13                                                                                                              | Haryana                                                                                                         | 3,152.62                                                                                                        | 7,45,535                                                                                                        | 32%                                                                                                             | 2%                                                                                                              | 23%                                                                                                             | 71%                                                                                                             | 649.25                                                                                                          | 1,64,825                                                                                                        | 44%                                                                                                             | 2%                                                                                                              | 25%                                                                                                             | 81%                                                                                                             |
| 14                                                                                                              | Himachal Pradesh                                                                                                | 965.70                                                                                                          | 85,564                                                                                                          | 17%                                                                                                             | 4%                                                                                                              | 12%                                                                                                             | 27%                                                                                                             | 167.72                                                                                                          | 12,318                                                                                                          | 24%                                                                                                             | 3%                                                                                                              | 18%                                                                                                             | 44%                                                                                                             |
| 15                                                                                                              | Jammu and Kashmir                                                                                               | 1,152.15                                                                                                        | 57,974                                                                                                          | 5%                                                                                                              | 2%                                                                                                              | 1%                                                                                                              | 24%                                                                                                             | 241.53                                                                                                          | 12,631                                                                                                          | 2%                                                                                                              | 3%                                                                                                              | 1%                                                                                                              | 22%                                                                                                             |
| 16                                                                                                              | Jharkhand                                                                                                       | 2,845.66                                                                                                        | 8,72,868                                                                                                        | 7%                                                                                                              | 6%                                                                                                              | 43%                                                                                                             | 75%                                                                                                             | 660.97                                                                                                          | 2,43,563                                                                                                        | 9%                                                                                                              | 4%                                                                                                              | 47%                                                                                                             | 86%                                                                                                             |
| 17                                                                                                              | Karnataka                                                                                                       | 16,469.43                                                                                                       | 44,59,609                                                                                                       | 11%                                                                                                             | 5%                                                                                                              | 23%                                                                                                             | 86%                                                                                                             | 3,232.53                                                                                                        | 9,49,115                                                                                                        | 13%                                                                                                             | 6%                                                                                                              | 27%                                                                                                             | 88%                                                                                                             |
| 18                                                                                                              | Kerala                                                                                                          | 4,727.38                                                                                                        | 8,30,411                                                                                                        | 19%                                                                                                             | 3%                                                                                                              | 39%                                                                                                             | 78%                                                                                                             | 1,213.81                                                                                                        | 2,36,878                                                                                                        | 18%                                                                                                             | 3%                                                                                                              | 36%                                                                                                             | 68%                                                                                                             |
| 19                                                                                                              | Lakshadweep                                                                                                     | 5.35                                                                                                            | 740                                                                                                             | 1%                                                                                                              | 63%                                                                                                             | 3%                                                                                                              | 27%                                                                                                             | 0.79                                                                                                            | 98                                                                                                              | 0%                                                                                                              | 67%                                                                                                             | 0%                                                                                                              | 29%                                                                                                             |
| 20                                                                                                              | Madhya Pradesh                                                                                                  | 7,769.29                                                                                                        | 25,11,191                                                                                                       | 18%                                                                                                             | 9%                                                                                                              | 40%                                                                                                             | 87%                                                                                                             | 1,663.61                                                                                                        | 5,77,733                                                                                                        | 21%                                                                                                             | 10%                                                                                                             | 41%                                                                                                             | 88%                                                                                                             |
| 21                                                                                                              | Maharashtra                                                                                                     | 13,372.42                                                                                                       | 35,35,065                                                                                                       | 17%                                                                                                             | 8%                                                                                                              | 32%                                                                                                             | 83%                                                                                                             | 3,036.75                                                                                                        | 7,72,435                                                                                                        | 17%                                                                                                             | 7%                                                                                                              | 35%                                                                                                             | 88%                                                                                                             |
| 22                                                                                                              | Manipur                                                                                                         | 120.03                                                                                                          | 24,021                                                                                                          | 2%                                                                                                              | 28%                                                                                                             | 31%                                                                                                             | 66%                                                                                                             | 17.81                                                                                                           | 1,549                                                                                                           | 2%                                                                                                              | 15%                                                                                                             | 7%                                                                                                              | 28%                                                                                                             |
| 23                                                                                                              | Meghalaya Mizoram                                                                                               | 162.41 77.78                                                                                                    | 19,151 7,772                                                                                                    | 6% 5%                                                                                                           | 58% 82%                                                                                                         | 7% 3%                                                                                                           | 70% 38%                                                                                                         | 22.93 16.33                                                                                                     | 3,146 1,989                                                                                                     | 3% 0%                                                                                                           | 48% 88%                                                                                                         | 6% 0%                                                                                                           | 29% 19%                                                                                                         |
| 24                                                                                                              | Nagaland                                                                                                        | 76.54                                                                                                           | 5,134                                                                                                           | 5%                                                                                                              | 69%                                                                                                             | 4%                                                                                                              | 34%                                                                                                             | 13.30                                                                                                           | 689                                                                                                             | 1%                                                                                                              | 54%                                                                                                             | 1%                                                                                                              | 44%                                                                                                             |
| 25                                                                                                              |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |                                                                                                                 |

| 26    | Odisha        | 5,436.26    | 23,43,261   | 17%   | 7%   | 53%   | 90%   | 1,420.75   | 6,39,073   | 18%   | 8%   | 59%   | 96%   |
|-------|---------------|-------------|-------------|-------|------|-------|-------|------------|------------|-------|------|-------|-------|
| 27    | Pondicherry   | 331.91      | 82,866      | 21%   | 1%   | 45%   | 78%   | 90.15      | 25,840     | 23%   | 1%   | 35%   | 86%   |
| 28    | Punjab        | 3,484.49    | 6,53,973    | 45%   | 2%   | 9%    | 67%   | 708.23     | 1,46,202   | 54%   | 2%   | 7%    | 72%   |
| 29    | Rajasthan     | 5,248.28    | 11,59,819   | 19%   | 9%   | 30%   | 71%   | 1,400.85   | 2,51,182   | 21%   | 12%  | 31%   | 81%   |
| 30    | Sikkim        | 54.61       | 6,889       | 7%    | 11%  | 9%    | 50%   | 10.80      | 1,574      | 2%    | 6%   | 5%    | 57%   |
| 31    | Tamilnadu     | 15,496.86   | 47,81,567   | 21%   | 1%   | 21%   | 87%   | 3,250.42   | 11,85,901  | 24%   | 1%   | 17%   | 89%   |
| 32    | Telangana     | 3,694.34    | 4,00,761    | 7%    | 4%   | 20%   | 25%   | 607.88     | 45,464     | 7%    | 4%   | 18%   | 28%   |
| 33    | Tripura       | 337.26      | 68,146      | 19%   | 13%  | 17%   | 67%   | 67.02      | 11,159     | 20%   | 16%  | 16%   | 40%   |
| 34    | Uttar Pradesh | 11,880.93   | 33,45,382   | 28%   | 3%   | 33%   | 78%   | 2,417.70   | 6,57,519   | 31%   | 4%   | 32%   | 84%   |
| 35    | Uttarakhand   | 1,745.08    | 3,60,007    | 26%   | 8%   | 25%   | 76%   | 317.20     | 70,205     | 34%   | 3%   | 25%   | 88%   |
| 36    | West Bengal   | 7,740.41    | 26,28,548   | 18%   | 2%   | 6%    | 79%   | 1,816.78   | 6,25,287   | 19%   | 2%   | 5%    | 85%   |
| Total | Total         | 1,32,954.73 | 348,80,924  | 18%   | 5%   | 30%   | 79%   | 28,704.19  | 79,78,443  | 20%   | 5%   | 32%   | 85%   |

| Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   | Bank-wise disbursement, number of borrowers and percentage of loan in women, SC, ST,OBCs categories data for FY 2015-16 and 2016-17 ( as on 22.07.2016)   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|
| Sl No                                                                                                                                                     |                                                                                                                                                           | FY 2015-16                                                                                                                                                | FY 2015-16                                                                                                                                                | FY 2015-16                                                                                                                                                | FY 2015-16                                                                                                                                                | FY 2015-16                                                                                                                                                | FY 2015-16                                                                                                                                                | FY 2016-17                                                                                                                                                | FY 2016-17                                                                                                                                                | FY 2016-17                                                                                                                                                | FY 2016-17                                                                                                                                                | FY 2016-17                                                                                                                                                | FY 2016-17                                                                                                                                                |
| Sl No                                                                                                                                                     | Name of Banks                                                                                                                                             | Disbursement (Rs. In crore)                                                                                                                               | No. of Accounts                                                                                                                                           | SC                                                                                                                                                        | ST                                                                                                                                                        | OBC                                                                                                                                                       | Women                                                                                                                                                     | Disbursement (Rs. In crore)                                                                                                                               | No. of Accounts                                                                                                                                           | SC                                                                                                                                                        | ST                                                                                                                                                        | OBC                                                                                                                                                       | Women                                                                                                                                                     |
| 1                                                                                                                                                         | State Bank of India                                                                                                                                       | 12,281                                                                                                                                                    | 10,31,804                                                                                                                                                 | 10%                                                                                                                                                       | 6%                                                                                                                                                        | 16%                                                                                                                                                       | 8%                                                                                                                                                        | 617                                                                                                                                                       | 72,337                                                                                                                                                    | 0%                                                                                                                                                        | 0%                                                                                                                                                        | 1%                                                                                                                                                        | 0%                                                                                                                                                        |
| 2                                                                                                                                                         | State Bank of Bikaner &Jaipur                                                                                                                             | 1,418                                                                                                                                                     | 73,402                                                                                                                                                    | 9%                                                                                                                                                        | 3%                                                                                                                                                        | 15%                                                                                                                                                       | 18%                                                                                                                                                       | 598                                                                                                                                                       | 19,438                                                                                                                                                    | 7%                                                                                                                                                        | 2%                                                                                                                                                        | 13%                                                                                                                                                       | 13%                                                                                                                                                       |
| 3                                                                                                                                                         | State Bank of Hyderabad                                                                                                                                   | 1,367                                                                                                                                                     | 1,05,515                                                                                                                                                  | 5%                                                                                                                                                        | 2%                                                                                                                                                        | 10%                                                                                                                                                       | 38%                                                                                                                                                       | 632                                                                                                                                                       | 28,427                                                                                                                                                    | 2%                                                                                                                                                        | 1%                                                                                                                                                        | 5%                                                                                                                                                        | 24%                                                                                                                                                       |
| 4                                                                                                                                                         | State Bank of Mysore                                                                                                                                      | 813                                                                                                                                                       | 37,675                                                                                                                                                    | 0%                                                                                                                                                        | 0%                                                                                                                                                        | 0%                                                                                                                                                        | 5%                                                                                                                                                        | 116                                                                                                                                                       | 8,643                                                                                                                                                     | 1%                                                                                                                                                        | 22%                                                                                                                                                       | 76%                                                                                                                                                       | 5%                                                                                                                                                        |
| 5                                                                                                                                                         | State Bank of Patiala                                                                                                                                     | 787                                                                                                                                                       | 32,716                                                                                                                                                    | 13%                                                                                                                                                       | 5%                                                                                                                                                        | 30%                                                                                                                                                       | 17%                                                                                                                                                       | 115                                                                                                                                                       | 3,940                                                                                                                                                     | 7%                                                                                                                                                        | 4%                                                                                                                                                        | 25%                                                                                                                                                       | 5%                                                                                                                                                        |
| 6                                                                                                                                                         | State Bank of Travancore                                                                                                                                  | 335                                                                                                                                                       | 19,477                                                                                                                                                    | 5%                                                                                                                                                        | 2%                                                                                                                                                        | 0%                                                                                                                                                        | 29%                                                                                                                                                       | 99                                                                                                                                                        | 4,216                                                                                                                                                     | 4%                                                                                                                                                        | 2%                                                                                                                                                        | 0%                                                                                                                                                        | 25%                                                                                                                                                       |
| 7                                                                                                                                                         | Allahabad Bank                                                                                                                                            | 1,768                                                                                                                                                     | 1,60,041                                                                                                                                                  | 13%                                                                                                                                                       | 3%                                                                                                                                                        | 13%                                                                                                                                                       | 17%                                                                                                                                                       | 258                                                                                                                                                       | 21,149                                                                                                                                                    | 8%                                                                                                                                                        | 2%                                                                                                                                                        | 11%                                                                                                                                                       | 6%                                                                                                                                                        |
| 8                                                                                                                                                         | Andhra Bank                                                                                                                                               | 1,569                                                                                                                                                     | 2,16,094                                                                                                                                                  | 5%                                                                                                                                                        | 1%                                                                                                                                                        | 20%                                                                                                                                                       | 21%                                                                                                                                                       | 279                                                                                                                                                       | 31,515                                                                                                                                                    | 8%                                                                                                                                                        | 2%                                                                                                                                                        | 20%                                                                                                                                                       | 23%                                                                                                                                                       |
| 9                                                                                                                                                         | Bank of Baroda                                                                                                                                            | 1,773                                                                                                                                                     | 2,24,367                                                                                                                                                  | 2%                                                                                                                                                        | 1%                                                                                                                                                        | 6%                                                                                                                                                        | 29%                                                                                                                                                       | 284                                                                                                                                                       | 17,377                                                                                                                                                    | 5%                                                                                                                                                        | 3%                                                                                                                                                        | 18%                                                                                                                                                       | 21%                                                                                                                                                       |
| 10                                                                                                                                                        | Bank of India                                                                                                                                             | 2,752                                                                                                                                                     | 3,76,486                                                                                                                                                  | 3%                                                                                                                                                        | 2%                                                                                                                                                        | 10%                                                                                                                                                       | 18%                                                                                                                                                       | 747                                                                                                                                                       | 54,156                                                                                                                                                    | 3%                                                                                                                                                        | 2%                                                                                                                                                        | 11%                                                                                                                                                       | 28%                                                                                                                                                       |
| 11                                                                                                                                                        | Bank of Maharashtra                                                                                                                                       | 1,290                                                                                                                                                     | 87,228                                                                                                                                                    | 7%                                                                                                                                                        | 3%                                                                                                                                                        | 15%                                                                                                                                                       | 16%                                                                                                                                                       | 224                                                                                                                                                       | 13,129                                                                                                                                                    | 7%                                                                                                                                                        | 2%                                                                                                                                                        | 16%                                                                                                                                                       | 23%                                                                                                                                                       |
| 12                                                                                                                                                        | Canara Bank                                                                                                                                               | 7,507                                                                                                                                                     | 7,90,354                                                                                                                                                  | 6%                                                                                                                                                        | 1%                                                                                                                                                        | 9%                                                                                                                                                        | 27%                                                                                                                                                       | 1,007                                                                                                                                                     | 89,128                                                                                                                                                    | 8%                                                                                                                                                        | 2%                                                                                                                                                        | 15%                                                                                                                                                       | 44%                                                                                                                                                       |
| 13                                                                                                                                                        | Central Bank of India                                                                                                                                     | 1,460                                                                                                                                                     | 5,08,354                                                                                                                                                  | 1%                                                                                                                                                        | 2%                                                                                                                                                        | 1%                                                                                                                                                        | 44%                                                                                                                                                       | 543                                                                                                                                                       | 1,04,925                                                                                                                                                  | 1%                                                                                                                                                        | 0%                                                                                                                                                        | 2%                                                                                                                                                        | 44%                                                                                                                                                       |

| 14    | Corporation Bank          | 985    | 1,51,129   | 5%   | 1%   | 21%   | 46%   | 338    | 18,372   | 6%   | 1%   | 12%   | 28%   |
|-------|---------------------------|--------|------------|------|------|-------|-------|--------|----------|------|------|-------|-------|
| 15    | Dena Bank                 | 387    | 82,591     | 7%   | 4%   | 13%   | 36%   | 122    | 49,722   | 7%   | 5%   | 15%   | 43%   |
| 16    | Indian Bank               | 1,484  | 1,82,841   | 6%   | 1%   | 73%   | 23%   | 381    | 25,613   | 6%   | 1%   | 75%   | 32%   |
| 17    | Indian Overseas Bank      | 987    | 1,63,854   | 1%   | 0%   | 0%    | 27%   | 113    | 9,989    | 1%   | 0%   | 4%    | 32%   |
| 18    | Oriental Bank of Commerce | 1,309  | 1,26,314   | 7%   | 1%   | 14%   | 19%   | 184    | 8,485    | 9%   | 1%   | 16%   | 19%   |
| 19    | Punjab National Bank      | 3,593  | 5,96,839   | 7%   | 3%   | 13%   | 11%   | 961    | 1,10,831 | 9%   | 3%   | 18%   | 12%   |
| 20    | Syndicate Bank            | 3,019  | 3,11,696   | 3%   | 1%   | 14%   | 37%   | 656    | 39,170   | 2%   | 1%   | 12%   | 32%   |
| 21    | Union Bank of India       | 1,841  | 2,04,729   | 8%   | 2%   | 35%   | 30%   | 560    | 44,475   | 8%   | 2%   | 32%   | 27%   |
| 22    | United Bank of India      | 1,113  | 1,10,462   | 5%   | 3%   | 22%   | 26%   | 280    | 16,056   | 6%   | 4%   | 23%   | 24%   |
| 23    | Punjab& Sind Bank         | 466    | 1,11,260   | 1%   | 0%   | 1%    | 42%   | 48     | 3,486    | 2%   | 0%   | 2%    | 23%   |
| 24    | UCO                       | 2,199  | 5,62,668   | 1%   | 0%   | 6%    | 7%    | 313    | 25,148   | 6%   | 2%   | 28%   | 30%   |
| 25    | Vijaya Bank               | 1,892  | 1,63,467   | 2%   | 1%   | 10%   | 6%    | 347    | 24,816   | 3%   | 1%   | 11%   | 9%    |
| 26    | IDBI Bank                 | 1,688  | 1,67,864   | 12%  | 2%   | 27%   | 59%   | 509    | 51,671   | 17%  | 2%   | 30%   | 76%   |
| 27    | Bharatiya Mahila Bank     | 44     | 8,350      | 0%   | 0%   | 0%    | 0%    | 14     | 1,873    | 0%   | 0%   | 0%    | 0%    |
| Total | Total                     | 56,127 | 66,07,577  | 5%   | 2%   | 14%   | 22%   | 10,344 | 8,98,087 | 6%   | 2%   | 16%   | 29%   |

| Bank-wise complaint regarding PMMY on CPGRAM portal from 08.04.2015 to 03.08.2016   | Bank-wise complaint regarding PMMY on CPGRAM portal from 08.04.2015 to 03.08.2016   | Bank-wise complaint regarding PMMY on CPGRAM portal from 08.04.2015 to 03.08.2016   |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|
| Sl No                                                                               | Bank Name                                                                           | No of Complaint                                                                     |
| 1                                                                                   | State Bank of India                                                                 | 896                                                                                 |
| 2                                                                                   | State Bank of Bikaner & Jaipur                                                      | 40                                                                                  |
| 3                                                                                   | State Bank of Hyderabad                                                             | 44                                                                                  |
| 4                                                                                   | State Bank of Mysore                                                                | 17                                                                                  |
| 5                                                                                   | State Bank of Patiala                                                               | 40                                                                                  |
| 6                                                                                   | State Bank of Travancore                                                            | 25                                                                                  |
| 7                                                                                   | Allahabad Bank                                                                      | 147                                                                                 |
| 8                                                                                   | Andhra Bank                                                                         | 59                                                                                  |
| 9                                                                                   | Bank of Baroda                                                                      | 327                                                                                 |
| 10                                                                                  | Bank of India                                                                       | 175                                                                                 |
| 11                                                                                  | Bank of Maharashtra                                                                 | 82                                                                                  |
| 12                                                                                  | Canara Bank                                                                         | 161                                                                                 |
| 13                                                                                  | Central Bank of India                                                               | 136                                                                                 |
| 14                                                                                  | Corporation Bank                                                                    | 43                                                                                  |
| 15                                                                                  | Dena Bank                                                                           | 33                                                                                  |
| 16                                                                                  | Indian Bank                                                                         | 49                                                                                  |
| 17                                                                                  | Indian Overseas Bank                                                                | 67                                                                                  |
| 18                                                                                  | Oriental Bank of Commerce                                                           | 92                                                                                  |
| 19                                                                                  | Punjab National Bank                                                                | 444                                                                                 |
| 20                                                                                  | Syndicate Bank                                                                      | 82                                                                                  |
| 21                                                                                  | Union Bank of India                                                                 | 130                                                                                 |
| 22                                                                                  | United Bank of India                                                                | 55                                                                                  |
| 23                                                                                  | Punjab & Sind Bank                                                                  | 30                                                                                  |
| 24                                                                                  | UCO                                                                                 | 106                                                                                 |
| 25                                                                                  | Vijaya Bank                                                                         | 47                                                                                  |
| 26                                                                                  | IDBI Bank                                                                           | 64                                                                                  |
| 27                                                                                  | Bharatiya Mahila Bank                                                               | 5                                                                                   |
| 28                                                                                  | General complaints not specific to one bank                                         | 1221                                                                                |
| Total                                                                               | Total                                                                               | 4617                                                                                |