Lok Sabha Question No. 3417 (UNSTARRED), answered on 2026-03-12
Subject: PMMY in Tamil Nadu
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Tharaniventhan M S

## GOVERNMENT OF INDIA

## MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 3417 TO BE ANSWERED ON: 12.03.2026

## PMMY IN TAMIL NADU

## 3417.         SHRI THARANIVENTHAN M S:

Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:

- (a) the total number of loans sanctioned and disbursed under the Pradhan Mantri Mudra Yojana (PMMY) during the last three years, State-wise, particularly for Tamil Nadu;
- (b) the details of sectors that have benefited the most from PMMY loans, including artisan units, small traders and service providers in Tamil Nadu;
- (c) whether any specific steps have been taken to increase credit access for women entrepreneurs and underprivileged sections and if so, the details thereof;
- (d) the initiatives taken to integrate PMMY with other schemes such as Stand-Up India, MUDRA plus schemes and state MSME support programs; and
- (e) the Government's plans to expand coverage, simplify procedures and enhance loan limits for eligible beneficiaries, especially in Tamil Nadu?

## ANSWER

## MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SUSHRI SHOBHA KARANDLAJE)

(a) to (e): As  informed  by  Department  of  Financial  Services  (DFS),  Pradhan  Mantri  Mudra Yojana  (PMMY) was  launched  on  08.04.2015  to  extend  collateral  free  credit  up  to  Rs.20  lakh  by Member  Lending  Institutions  (MLIs),  i.e.  Scheduled  Commercial  Banks  (SCBs),  Non-Banking Financial  Companies  (NBFCs)  and  Micro  Finance  Institutions  (MFIs).  Any  individual,  who  is otherwise eligible to take a loan and has a business plan for small business enterprise can avail loan under  the  Scheme  for  income  generating  activities  in  the  manufacturing,  trading,  service  sectors including  activities  allied  to  agriculture  across  four  loan  categories,  viz.  Shishu  (loans  upto  Rs. 50,000), Kishor (loans above Rs. 50,000 and upto Rs. 5 lakh), Tarun (loans above Rs. 5 lakh and upto Rs. 10 lakh) and Tarun Plus (loans above Rs. 10 lakh and upto Rs. 20 lakh for those entrepreneurs who  have  availed  and  successfully repaid previous loans under  the 'Tarun' category w.e.f. 24.10.2024).

The Scheme provides funding to small businesses, handicrafts, agriculture-allied activities and traditional  enterprises  on  which  many  women  rely  for  income.  Further,  women,  who  often  lack collateral or credit history, have benefited from collateral-free loans provided under PMMY.

With a view to incentivize successful borrowers under the Pradhan Mantri MUDRA Yojana (PMMY), a new category of Mudra Loans, namely 'Tarun Plus' was introduced in 2024-25 for those borrowers who have successfully repaid their Mudra loan under Tarun Category. Under 'Tarun Plus', collateral free loans upto  Rs. 20 lakhs are provided to such borrowers.

The Government has taken several measures in order to simplify the loan application process and  ensure  the  timely  disbursal  of  loans.  Portals  like  Jan  Samarth  has  been  created  with  15  credit linked  schemes  where  the  applicant  can  have  the  self-journey  or  assisted  journey  for  applying specified loans.

The number of loan accounts, amount sanctioned and disbursed under PMMY during the last three years. State-wise, including Tamil Nadu is attached at Annexure I.

Annexure I Annexure referred in part (a) to (e) of answer to Lok Sabha Unstarred Question no. 3417 on 'PMMY in Tamil Nadu' due for reply on 12.03.2026.

| Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   | Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years   |
|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|----------------------------------------------------------------------------|
|                                                                            | State/UTs Name                                                             | 2025-26                                                                    | 2025-26                                                                    | 2025-26                                                                    | 2024-25                                                                    | 2024-25                                                                    | 2024-25                                                                    | [Amount 2023-24                                                            | [Amount 2023-24                                                            | [Amount 2023-24                                                            |
| No.                                                                        | State/UTs Name                                                             | No Of A/Cs                                                                 | Sanctioned Amt                                                             | Disbursement Amt                                                           | No Of A/Cs                                                                 | Sanctioned Amt                                                             | Disbursement Amt                                                           | No Of A/Cs                                                                 | Sanctioned Amt                                                             | Disbursement Amt                                                           |
| 1                                                                          | Andaman and Nicobar Islands                                                | 2,774                                                                      | 137.44                                                                     | 136.94                                                                     | 3,027                                                                      | 143.44                                                                     | 143.08                                                                     | 3,131                                                                      | 126.49                                                                     | 126.13                                                                     |
| 2                                                                          | Andhra Pradesh                                                             | 11,20,810                                                                  | 21,840.48                                                                  | 20,442.59                                                                  | 14,64,680                                                                  | 20,810.41                                                                  | 20,517.18                                                                  | 15,88,682                                                                  | 19,835.91                                                                  | 19,573.04                                                                  |
| 3                                                                          | Arunachal Pradesh                                                          | 37,670                                                                     | 587.49                                                                     | 581.55                                                                     | 36,567                                                                     | 504.13                                                                     | 495.72                                                                     | 26,431                                                                     | 352.18                                                                     | 346.63                                                                     |
| 4                                                                          | Assam                                                                      | 9,20,448                                                                   | 10,861.20                                                                  | 10,770.72                                                                  | 12,16,262                                                                  | 11,265.21                                                                  | 11,191.94                                                                  | 7,22,225                                                                   | 6,942.56                                                                   | 6,847.44                                                                   |
| 5                                                                          | Bihar                                                                      | 48,96,486                                                                  | 45,132.45                                                                  | 43,766.61                                                                  | 77,71,213                                                                  | 58,138.29                                                                  | 54,064.10                                                                  | 96,31,277                                                                  | 58,722.25                                                                  | 56,841.09                                                                  |
| 6                                                                          | Chandigarh                                                                 | 10,898                                                                     | 318.74                                                                     | 313.75                                                                     | 15,724                                                                     | 317.41                                                                     | 313.60                                                                     | 15,585                                                                     | 301.28                                                                     | 294.80                                                                     |
| 7                                                                          | Chhattisgarh                                                               | 7,65,227                                                                   | 9,422.14                                                                   | 9,001.00                                                                   | 10,16,177                                                                  | 9,872.37                                                                   | 9,221.98                                                                   | 10,35,574                                                                  | 8,983.57                                                                   | 8,436.37                                                                   |
| 8                                                                          | Dadra and Nagar Haveli                                                     | 3,130                                                                      | 98.28                                                                      | 97.32                                                                      | 3,936                                                                      | 93.24                                                                      | 92.80                                                                      | 3,792                                                                      | 67.53                                                                      | 67.18                                                                      |
| 9                                                                          | Daman and Diu                                                              | 1,419                                                                      | 50.78                                                                      | 50.35                                                                      | 2,292                                                                      | 98.09                                                                      | 93.12                                                                      | 1,194                                                                      | 37.22                                                                      | 36.62                                                                      |
| 10                                                                         | Delhi                                                                      | 1,96,157                                                                   | 6,228.22                                                                   | 6,062.34                                                                   | 1,99,513                                                                   | 4,745.53                                                                   | 4,695.01                                                                   | 3,15,625                                                                   | 4,341.76                                                                   | 4,265.87                                                                   |
| 11                                                                         | Goa                                                                        | 25,079                                                                     | 671.12                                                                     | 661.19                                                                     | 27,585                                                                     | 658.27                                                                     | 648.22                                                                     | 42,505                                                                     | 770.27                                                                     | 756.46                                                                     |
| 12                                                                         | Gujarat                                                                    | 13,52,032                                                                  | 20,313.87                                                                  | 20,098.01                                                                  | 15,70,182                                                                  | 20,069.70                                                                  | 19,919.03                                                                  | 19,60,464                                                                  | 19,870.65                                                                  | 19,640.31                                                                  |
| 13                                                                         | Haryana                                                                    | 7,35,887                                                                   | 10,439.51                                                                  | 10,264.13                                                                  | 8,00,080                                                                   | 10,079.56                                                                  | 9,974.77                                                                   | 10,95,972                                                                  | 11,047.06                                                                  | 10,719.55                                                                  |
| 14                                                                         | Himachal Pradesh                                                           | 1,26,166                                                                   | 3,226.91                                                                   | 3,164.67                                                                   | 1,10,348                                                                   | 3,099.89                                                                   | 3,076.75                                                                   | 1,46,471                                                                   | 3,354.69                                                                   | 3,241.99                                                                   |
| 15                                                                         | Jharkhand                                                                  | 12,22,632                                                                  | 12,192.55                                                                  | 11,824.36                                                                  | 16,68,829                                                                  | 12,966.56                                                                  | 12,551.98                                                                  | 21,29,193                                                                  | 13,050.05                                                                  | 12,887.57                                                                  |
| 16                                                                         | Karnataka                                                                  | 27,39,271                                                                  | 35,259.66                                                                  | 35,093.18                                                                  | 49,43,477                                                                  | 49,470.21                                                                  | 49,319.57                                                                  | 64,58,940                                                                  | 49,684.30                                                                  | 49,510.51                                                                  |
| 17                                                                         | Kerala                                                                     | 13,81,936                                                                  | 17,297.29                                                                  | 17,180.04                                                                  | 19,44,890                                                                  | 19,810.73                                                                  | 19,661.76                                                                  | 19,73,469                                                                  | 18,152.16                                                                  | 18,015.08                                                                  |
| 18                                                                         | Lakshadweep                                                                | 1,903                                                                      | 42.10                                                                      | 42.00                                                                      | 2,258                                                                      | 43.91                                                                      | 43.87                                                                      | 2,309                                                                      | 39.97                                                                      | 39.91                                                                      |
| 19                                                                         | Madhya Pradesh                                                             | 25,51,496                                                                  | 27,960.16                                                                  | 26,191.16                                                                  | 33,02,774                                                                  | 30,442.10                                                                  | 28,899.69                                                                  | 34,45,475                                                                  | 26,146.21                                                                  | 25,272.18                                                                  |
| 20                                                                         | Maharashtra                                                                | 30,68,225                                                                  | 45,694.88                                                                  | 44,969.65                                                                  | 44,62,791                                                                  | 51,311.90                                                                  | 50,762.02                                                                  | 52,79,979                                                                  | 43,075.16                                                                  | 42,773.74                                                                  |
| 21                                                                         | Manipur                                                                    | 29,654                                                                     | 632.65                                                                     | 624.94                                                                     | 11,452                                                                     | 320.31                                                                     | 311.29                                                                     | 10,666                                                                     | 225.04                                                                     | 213.62                                                                     |

| 22   | Meghalaya                            | 29,479      | 474.71      | 470.15      | 35,308      | 507.04      | 502.49      | 31,633      | 424.99      | 420.03      |
|------|--------------------------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|
| 23   | Mizoram                              | 23,274      | 547.05      | 544.44      | 26,463      | 604.57      | 600.41      | 28,729      | 580.54      | 576.65      |
| 24   | Nagaland                             | 28,765      | 556.75      | 551.30      | 32,002      | 525.12      | 519.36      | 21,014      | 400.84      | 394.69      |
| 25   | Odisha                               | 18,96,415   | 22,025.77   | 21,816.92   | 27,93,890   | 22,677.77   | 22,532.57   | 37,61,546   | 23,539.15   | 23,355.99   |
| 26   | Pondicherry                          | 68,758      | 938.51      | 934.62      | 85,730      | 898.07      | 890.60      | 1,33,357    | 1,063.54    | 1,059.69    |
| 27   | Punjab                               | 7,17,442    | 11,401.10   | 10,900.21   | 7,07,516    | 10,278.37   | 9,856.31    | 10,39,309   | 11,331.72   | 10,668.37   |
| 28   | Rajasthan                            | 18,83,309   | 25,442.42   | 25,219.53   | 21,63,626   | 25,994.30   | 25,794.48   | 26,93,556   | 26,955.25   | 26,755.28   |
| 29   | Sikkim                               | 15,492      | 274.11      | 269.52      | 19,185      | 294.16      | 290.24      | 19,290      | 266.38      | 260.61      |
| 30   | Tamil Nadu                           | 31,37,622   | 42,148.77   | 41,959.19   | 45,36,967   | 46,869.01   | 46,666.26   | 72,04,001   | 57,616.60   | 57,370.41   |
| 31   | Telangana                            | 8,47,873    | 14,642.16   | 14,544.13   | 11,37,388   | 13,981.58   | 13,907.44   | 9,47,059    | 10,929.91   | 10,722.07   |
| 32   | Tripura                              | 2,42,792    | 2,571.79    | 2,551.06    | 3,48,747    | 2,885.56    | 2,864.61    | 3,24,797    | 2,505.42    | 2,465.59    |
| 33   | Union Territory of Jammu and Kashmir | 3,26,009    | 7,792.91    | 7,268.68    | 3,99,396    | 9,241.44    | 8,808.02    | 3,66,142    | 8,530.51    | 8,119.92    |
| 34   | Union Territory of Ladakh            | 8,245       | 240.53      | 234.86      | 12,197      | 356.50      | 350.62      | 11,013      | 311.64      | 306.97      |
| 35   | Uttar Pradesh                        | 47,37,733   | 58,866.70   | 58,104.42   | 59,24,230   | 58,837.78   | 58,111.79   | 76,79,518   | 59,506.73   | 58,535.05   |
| 36   | Uttarakhand                          | 2,63,887    | 4,443.87    | 4,396.97    | 3,38,119    | 4,583.09    | 4,534.21    | 4,45,218    | 4,798.74    | 4,728.64    |
| 37   | West Bengal                          | 41,67,212   | 45,581.20   | 44,451.52   | 55,26,827   | 50,006.14   | 49,575.68   | 61,81,872   | 47,124.58   | 46,712.27   |
|      | Total                                | 3,95,83,607 | 5,06,356.27 | 4,95,554.03 | 5,46,61,648 | 5,52,801.78 | 5,41,802.58 | 6,67,77,013 | 5,41,012.86 | 5,32,358.35 |

Source: DFS