2018-12-14

PMMY : Unstarred Question in Loksabha

PMMY

(a) the details of the Pradhan Mantri Mudra Yojana (PMMY), including thequantum of loans sanctioned and number of people benefitted particularly in UttarPradesh, Maharashtra by Member Lending Institutions, State/UT-wise;
(b) whether the Government has collected data regarding loan applications received under the PMMY and if so, the details of data generated thereof, State/UT-wise;
(c) whether any criteria has been fixed for providing loans under PMMY by the banks and if so, the details thereof;
(d) whether provision of overdraft has been made under the said scheme and if so, the details thereof;
(e) whether a large number of loan applications for availing MUDRA loan are pending in different banks of Bihar and other States and if so, the details thereof, State/UT-wise;
(f) whether any effective steps have been taken to create awareness about MUDRA loan and to sanction loan application within a fixed time period by banks and if so, the details thereof; and
(g) whether the Government is contemplating or is already undertaking a study or a report to analyze the achievements and shortcomings of the scheme and if so, the details thereof?

GOVERNMENT OF INDIA

MINISTRY OF FINANCE

LOK SABHA

UNSTARRED QUESTION NO: 883                                   ANSWERED ON: 14.12.2018

PMMY

SUSHIL KUMAR SINGH
VINOD KUMAR BOIANAPALLI
FEROZE VARUN GANDHI
CHANDRAKANT BHAURAO KHAIRE

Will the Minister of FINANCE be pleased to state:-

(a) the details of the Pradhan Mantri Mudra Yojana (PMMY), including thequantum of loans sanctioned and number of people benefitted particularly in UttarPradesh, Maharashtra by Member Lending Institutions, State/UT-wise;
(b) whether the Government has collected data regarding loan applications received under the PMMY and if so, the details of data generated thereof, State/UT-wise;
(c) whether any criteria has been fixed for providing loans under PMMY by the banks and if so, the details thereof;
(d) whether provision of overdraft has been made under the said scheme and if so, the details thereof;
(e) whether a large number of loan applications for availing MUDRA loan are pending in different banks of Bihar and other States and if so, the details thereof, State/UT-wise;
(f) whether any effective steps have been taken to create awareness about MUDRA loan and to sanction loan application within a fixed time period by banks and if so, the details thereof; and
(g) whether the Government is contemplating or is already undertaking a study or a report to analyze the achievements and shortcomings of the scheme and if so, the details thereof?

ANSWER

MINISTER OF STATE IN THE MINISTRY OF FINANCE

(a) to (c) : The salient features of Pradhan Mantri Mudra Yojana (PMMY) inter-alia include, extending institutional finance by providing loans upto Rs 10 lakh for manufacturing, processing, trading, services and activities allied to agriculture, provision of Mudra card for drawal of working capital, refinance facility for Member Lending Institutions (MLIs), backing of credit guarantee on portfolio basis etc. 
State/UT-wise details of loans sanctioned by MLIs including for Uttar Pradesh, Maharashtra isat Annexure I

Details of applications received for loans under PMMY are not centrally maintained. Any citizen who is otherwise eligible to take loan and has a business plan for a non-farm income generating activity such as manufacturing, processing, trading or service sector and whose credit need is upto Rs.10 lakh is eligible for loan under PMMY. Borrowers need to approach the nearest bank branch or apply online and submit the loan application, in the prescribed format, along with the required supporting documents for availing the loan.
(d) Overdraft of upto Rs. 10,000/- sanctioned under Pradhan Mantri Jan Dhan Yojana (PMJDY) is also classified as a MUDRA loan. 
(e ) & (f) Details of applications pending are not centrally maintained. Banks are required to adhere to timeliness as per extant guidelines of Banking Codes and Standards Board of India (BCSBI) in this regard.
The Government has taken various steps towards spreading awareness about the PMMY scheme. These, inter alia, include intensive publicity campaigns through print media, TV, radio jingles, hoardings, town hall meetings, financial literacy and awareness camps, special drive for financial inclusion etc.
(g) No, Madam. 

Annexure-I
Annexure referred to in reply to Lok Sabha Un-Starred Question 883 for answer on 14/12/2018 
State/UT-wise number of loans and amount sanctioned under PMMY from 08.04.2015 to 30.11.2018 
Amount Rs in Crore 
State No. of Accounts Sanction Amt
Andaman and Nicobar Islands 33783 446.89
Andhra Pradesh 2575456 28511.62
Arunachal Pradesh 30674 312.96
Assam 4402709 15964.08
Bihar 12810351 45045.76
Chandigarh 70506 1053.77
Chhattisgarh 2959032 12601.75
Dadra and Nagar Haveli 7567 93.85
Daman and Diu 3313 57.2
Delhi 1018108 13414.24
Goa 134380 1530.51
Gujarat 4420623 30468.01
Haryana 2725976 16435.21
Himachal Pradesh 321780 5421.92
Jammu and Kashmir 333898 7639.19
Jharkhand 3831620 15675.42
Karnataka 15453050 70307.72
Kerala 5032643 25970.98
Lakshadweep 2661 29.84
Madhya Pradesh 9618747 41256.58
Maharashtra 12610971 65733.41
Manipur 118526 647.16
Meghalaya 88245 675.85
Mizoram 34591 486.9
Nagaland 34234 390.77
Odisha 10472452 32762.21
Pondicherry 455074 2367.78
Punjab 2723092 19018.89
Rajasthan 5231843 35654.04
Sikkim 65553 353.57
Tamil Nadu 18945297 72759.59
Telangana 2004766 17167.94
Tripura 839445 3324.95
Uttar Pradesh 12884791 61379.23
Uttarakhand 1033297 7782.94
West Bengal 14205852 52933.14
TOTAL 147534906 705675.87
Source: As per data reported by Member Lending Institutions on Mudra portal

Source: Loksabha

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