Lok Sabha Question No. 1584 (UNSTARRED), answered on 2016-03-04
Subject: MUDRA Loans
Ministry: FINANCE
Asked by: BHAIRON PRASAD MISHRA, VEENA DEVI, KIRIT PREMJIBHAI SOLANKI, MALLIKARJUN  KHARGE, RAMESH CHANDER KAUSHIK, SUNIL KUMAR SINGH, PR. SENTHILNATHAN, NAGARAJAN P., V. SATHYABAMA, AJAY TAMTA

## 1584. SHRI BHAIRON PRASADMISHRA:

SHRIMATI VEENA DEVI:

DR. KIRIT P. SOLANKI:

SHRI MALLIKARJUN KHARGE:

SHRI RAMESH CHANDER KAUSHIK:

SHRI SUNIL KUMAR SINGH:

SHRI PR. SENTHIL NATHAN:

SHRI P. NAGARAJAN:

SHRIMATI V. SATHYA BAMA:

SHRIAJAYTAMTA:

Will the Minister of FINANCE be pleased to state:

- (a) whether the process to disbursement of loan through the Micro Units Development and Refinance Agency (MUDRA) scheme to the businessmen/ small industries has been started in the country and if so, the details thereof along with the loans released under the Yojana including Shishu, Kishor and Tarun schemes, State-wise;
- (b) the targets fixed/achieved along with the loan sanctioned to small traders through the MUDRA scheme in the country;
- (c) if so, the existing rules to provide financial assistance to the concerned beneficiaries in the country under the said scheme by banks;
- (d) whether the Government has received any complaints and conduced any review regarding the number of beneficiaries covered under the said scheme and if so, the details thereof; and

(e) the steps taken/being taken by the Government to provide more loans and effective implementation of the said scheme?

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## Government of India Ministry of Finance

## Department of Financial services

## LOK SABHA

## UNSTARRED QUESTION No. 1584 TO BE ANSWERED ON THE 4 th March, 2016/ PHALGUN 14, 1937 (SAKA)

MUDRA Loans

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## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (SHRI JAYANT SINHA)

(a) Yes, Madam. The process of disbursement of loans under Pradhan Mantri Mudra Yojana (PMMY) Scheme to small/micro business enterprises have started in the country from April 08, 2015. The details of loans disbursed under PMMY category-wise and State-wise, is enclosed as per Annexure. (b) A target of Rs.1,22,188 crore has been set for loans under the PMMY Scheme for 2015-16. Against the target, loans amounting to Rs.1,07,628.69 crore have been sanctioned as on 26 th February, 2016. (c) Loans given to non-farm enterprises in manufacturing, trading and services whose credit needs are below Rs.10.00 lakh are known as MUDRA loans. The overdraft amount of Rs.5,000/- sanctioned under PMJDY is also classified as a MUDRA loan. (d) The Government has been receiving complaints with regard to implementation of PMMY from time to time. These are redressed in coordination with the respective banks. (e) The Government has, inter alia, taken the following steps to provide more loans and effective implementation of the scheme: i) Undertaking campaigns in various parts of the country. Through publicity, print & electronic media and hoardings/panels. ii) Simplification of MUDRA loan application iii) Nomination ofofficer from every branch/regional/zonal office as MUDRA Nodal Officer

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ANNEXURE

| Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   | Loans Disbursed undr PMMY: State-wise position as on 26.02.2016 [Amount Rs. in Crore]   |
|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|
| Sr                                                                                      | State Name                                                                              | Shishu                                                                                  | Shishu                                                                                  | Kishore                                                                                 | Kishore                                                                                 |                                                                                         |                                                                                         | Total                                                                                   | Total                                                                                   |
| No                                                                                      | State Name                                                                              | No Of A/Cs                                                                              | Disbursement Amt                                                                        | No Of A/Cs                                                                              | Disbursement Amt                                                                        | No Of A/Cs                                                                              | Disbursement Amt                                                                        | No Of A/Cs                                                                              | Disbursement Amt                                                                        |
| 1                                                                                       | Andaman and Nicobar Islands                                                             | 15484                                                                                   | 63.91                                                                                   | 8039                                                                                    | 94.77                                                                                   | 558                                                                                     | 38.06                                                                                   | 24081                                                                                   | 196.74                                                                                  |
| 2                                                                                       | Andhra Pradesh                                                                          | 488411                                                                                  | 1103.54                                                                                 | 137538                                                                                  | 2664.41                                                                                 | 11308                                                                                   | 850.95                                                                                  | 637257                                                                                  | 4618.9                                                                                  |
| 3                                                                                       | Arunachal Pradesh                                                                       | 3228                                                                                    | 8.1                                                                                     | 826                                                                                     | 24.27                                                                                   | 397                                                                                     | 31.91                                                                                   | 4451                                                                                    | 64.28                                                                                   |
| 4                                                                                       | Assam                                                                                   | 330923                                                                                  | 651.74                                                                                  | 25024                                                                                   | 499.13                                                                                  | 3756                                                                                    | 276.16                                                                                  | 359703                                                                                  | 1427.03                                                                                 |
| 5                                                                                       | Bihar                                                                                   | 1721852                                                                                 | 3049.43                                                                                 | 113958                                                                                  | 1908.94                                                                                 | 9808                                                                                    | 733.07                                                                                  | 1845618                                                                                 | 5691.44                                                                                 |
| 6                                                                                       | Chandigarh                                                                              | 13233                                                                                   | 27.04                                                                                   | 2683                                                                                    | 62.03                                                                                   | 1074                                                                                    | 80.66                                                                                   | 16990                                                                                   | 169.73                                                                                  |
| 7                                                                                       | Chhattisgarh                                                                            | 423166                                                                                  | 848.35                                                                                  | 22916                                                                                   | 406.08                                                                                  | 4387                                                                                    | 339.8                                                                                   | 450469                                                                                  | 1594.23                                                                                 |
| 8                                                                                       | Dadra and Nagar Haveli                                                                  | 770                                                                                     | 1.5                                                                                     | 219                                                                                     | 6.14                                                                                    | 144                                                                                     | 10.74                                                                                   | 1133                                                                                    | 18.38                                                                                   |
| 9                                                                                       | Daman and Diu                                                                           | 818                                                                                     | 1.17                                                                                    | 179                                                                                     | 4.19                                                                                    | 75                                                                                      | 5.49                                                                                    | 1072                                                                                    | 10.85                                                                                   |
| 10                                                                                      | Delhi                                                                                   | 274285                                                                                  | 580.66                                                                                  | 29714                                                                                   | 815.5                                                                                   | 13104                                                                                   | 920.06                                                                                  | 317103                                                                                  | 2316.22                                                                                 |
| 11                                                                                      | Goa                                                                                     | 21734                                                                                   | 52.73                                                                                   | 6958                                                                                    | 140.35                                                                                  | 1479                                                                                    | 107.26                                                                                  | 30171                                                                                   | 300.34                                                                                  |
| 12                                                                                      | Gujarat                                                                                 | 820228                                                                                  | 1786.93                                                                                 | 72268                                                                                   | 1535.88                                                                                 | 19579                                                                                   | 1421.3                                                                                  | 912075                                                                                  | 4744.11                                                                                 |
| 13                                                                                      | Haryana                                                                                 | 510400                                                                                  | 1056.08                                                                                 | 30767                                                                                   | 635.06                                                                                  | 10179                                                                                   | 746.89                                                                                  | 551346                                                                                  | 2438.03                                                                                 |
| 14                                                                                      | Himachal Pradesh                                                                        | 241237                                                                                  | 424.07                                                                                  | 20178                                                                                   | 434.97                                                                                  | 3895                                                                                    | 305.32                                                                                  | 265310                                                                                  | 1164.36                                                                                 |
| 15                                                                                      | Jammu and Kashmir                                                                       | 16225                                                                                   | 53.05                                                                                   | 29787                                                                                   | 641.48                                                                                  | 4124                                                                                    | 303.56                                                                                  | 50136                                                                                   | 998.09                                                                                  |
| 16                                                                                      | Jharkhand                                                                               | 604708                                                                                  | 1096.45                                                                                 | 31190                                                                                   | 648.89                                                                                  | 5874                                                                                    | 429.52                                                                                  | 641772                                                                                  | 2174.86                                                                                 |
| 17                                                                                      | Karnataka                                                                               | 3138516                                                                                 | 6371.79                                                                                 | 228395                                                                                  | 4046.13                                                                                 | 33674                                                                                   | 2123.85                                                                                 | 3400585                                                                                 | 12541.77                                                                                |
| 18                                                                                      | Kerala                                                                                  | 540317                                                                                  | 1048.22                                                                                 | 90325                                                                                   | 1847.2                                                                                  | 11538                                                                                   | 868.87                                                                                  | 642180                                                                                  | 3764.29                                                                                 |
| 19                                                                                      | Lakshadweep                                                                             | 554                                                                                     | 1                                                                                       | 145                                                                                     | 2.49                                                                                    | 16                                                                                      | 1.14                                                                                    | 715                                                                                     | 4.63                                                                                    |
| 20                                                                                      | Madhya Pradesh Only                                                                     | 1762123                                                                                 | 3362.37                                                                                 | 72073                                                                                   | 1391.8                                                                                  | 16032                                                                                   | 1177.96                                                                                 | 1850228                                                                                 | 5932.13                                                                                 |
| 21                                                                                      | Maharashtra                                                                             | 2513854                                                                                 | 4857.27                                                                                 | 128245                                                                                  | 2792.51                                                                                 | 33337                                                                                   | 2513.94                                                                                 | 2675436                                                                                 | 10163.72                                                                                |
| 22                                                                                      | Manipur                                                                                 | 19879                                                                                   | 37.36                                                                                   | 2646                                                                                    | 51.92                                                                                   | 305                                                                                     | 20.64                                                                                   | 22830                                                                                   | 109.92                                                                                  |
| 23                                                                                      | Meghalaya                                                                               | 14066                                                                                   | 36.1                                                                                    | 2655                                                                                    | 64.32                                                                                   | 487                                                                                     | 36.41                                                                                   | 17208                                                                                   | 136.83                                                                                  |
| 24                                                                                      | Mizoram                                                                                 | 5192                                                                                    | 18.58                                                                                   | 1555                                                                                    | 27                                                                                      | 256                                                                                     | 19.79                                                                                   | 7003                                                                                    | 65.37                                                                                   |

| 25    | Nagaland      |     3249 |     9.76 |    1249 |    32.74 |    356 |    22.71 |     4854 |     65.21 |
|-------|---------------|----------|----------|---------|----------|--------|----------|----------|-----------|
| 26    | Odisha        |  1674937 |  2713.19 |   44800 |   786.91 |   9231 |   605.89 |  1728968 |   4105.99 |
| 27    | Pondicherry   |    65715 |   127.65 |    6407 |   101.46 |    569 |    40.86 |    72691 |    269.97 |
| 28    | Punjab        |   485188 |   992.18 |   36939 |   835.92 |  13472 |  1014.96 |   535599 |   2843.06 |
| 29    | Rajasthan     |   828497 |  1535.95 |   54815 |  1178.89 |  18419 |  1360.75 |   901731 |   4075.59 |
| 30    | Sikkim        |     5307 |    11.83 |     950 |    20.75 |    196 |    14.06 |     6453 |     46.64 |
| 31    | Tamil Nadu    |  3795299 |  6519.57 |  196090 |  3383.61 |  23419 |  1724.63 |  4014808 |  11627.8  |
| 32    | Telangana     |   234631 |   529.29 |   83921 |  1679.39 |   9965 |   728.72 |   328517 |   2937.4  |
| 33    | Tripura       |    49131 |   112.49 |    5628 |   100.08 |    673 |    49.83 |    55432 |    262.4  |
| 34    | Uttar Pradesh |  2529377 |  4541.59 |  135614 |  2739.84 |  28851 |  2148.68 |  2693842 |   9430.11 |
| 35    | Uttarakhand   |   240011 |   494.19 |   22529 |   487.55 |   4473 |   328.99 |   267013 |   1310.73 |
| 36    | West Bengal   |  1893072 |  3062.6  |   98862 |  1846.98 |  17339 |  1185.38 |  2009273 |   6094.96 |
| Total |               | 25285617 | 47187.7  | 1746087 | 33939.6  | 312349 | 22588.8  | 27344053 | 103716    |

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