Parliament Question: Credit Flow under MUDRA, Stand-Up India and CGTMSE in Karnataka

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 37 ANSWERED ON MONDAY, 20 JULY, 2026/ASHADHA 29, 1948 (SAKA) Credit Flow Under Mudra, Stand-Up India And CGTMSE In Karnataka 37. SHRI CAPTAIN BRIJESH CHOWTA: Will the Minister of FINANCE be pleased to state: (a) the number and amount of loans sanctioned and disbursed in Karnataka under the Pradhan Mantri MUDRA Yojana, Stand-Up India and Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSEs) -backed lending during the last three financial years, district, scheme and bank-category-wise; (b) the number of women and Scheduled Caste and Scheduled Tribe beneficiaries under the said schemes, as available; (c) the sector-wise distribution of the loans sanctioned and disbursed; and (d) the sectors in the district showing comparatively low credit offtake and the measures taken by banks and the District Level Bankers’ Committee to address the same? ANSWER MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a) the number and amount of loans sanctioned and disbursed in Karnataka under the Pradhan Mantri MUDRA Yojana, Stand-Up India and Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSEs) -backed lending during the last three financial years, district, scheme and bank-category- wise is placed at Annexure-I. (b) to (d) : details of the number of women and Scheduled Caste and Scheduled Tribe beneficiaries under the said schemes in the state of Karnataka are placed at Annexure-II. The sector-wise distribution of loans for Stand Up India is placed at Annexure-III. Sector-wise data for CGTMSE and PMMY is not being maintained centrally. Performance of various Schemes is regularly reviewed in Block Level Bankers' Committee (BLBC) and District Consultative Committee (DCC) meetings. The progress is further monitored and reviewed at the State Level Bankers' Committees (SLBCs). *****Annexure I for Part (a) Annexure I for Part (a) of Lok Sabha Unstarred Question No. 37 for 20.07.2026 regarding "Credit Flow under MUDRA, Stand-Up India and CGTMSE in Karnataka" Pradhan Mantri Mudra Yojana - District-wise (From 01.04.2023 To 31.03.2026) (Amount in Rs. Crore) S. No. State/District No. of Loan A/cs Sanctioned Amount Disbursed Amount Karnataka 1 Bagalkot 3,92,076 3,575.48 3,563.18 2 Bangalore Rural 2,89,084 2,524.36 2,512.06 3 Bangalore urban 12,81,624 18,143.30 18,015.59 4 Belagavi 12,12,052 9,645.34 9,607.47 5 Bellary 5,02,920 4,164.69 4,155.94 6 Bidar 3,08,444 2,095.23 2,088.80 7 Bijapur 4,09,491 3,175.44 3,167.06 8 Chamarajanagar 3,48,776 2,334.63 2,328.86 9 Chikkaballapura 2,63,609 2,329.22 2,318.45 10 Chikmagalur 2,76,330 3,155.52 3,145.94 11 Chitradurga 5,21,848 4,028.50 4,020.93 12 Dakshina Kannada 2,17,430 3,021.84 2,997.78 13 Davangere 5,88,257 4,601.04 4,591.22 14 Dharwad 5,94,074 5,788.04 5,772.17 15 Gadag 2,11,961 1,807.51 1,803.30 16 Gulbarga 4,07,136 2,978.89 2,970.78 17 Hassan 5,27,132 4,385.16 4,371.93 18 Haveri 5,59,392 5,887.08 5,879.21 19 Kodagu 2,09,202 1,757.16 1,749.59 20 Kolar 4,23,287 3,842.93 3,831.35 21 Koppal 3,00,438 2,260.26 2,254.57 22 Mandya 4,99,123 3,852.34 3,840.15 23 Mysore 10,69,314 8,286.19 8,258.03 24 Raichur 3,41,569 3,126.70 3,118.23 25 Ramanagara 2,77,750 2,200.45 2,186.61 26 Shimoga 4,14,373 4,579.92 4,565.63 27 Tumkur 6,53,371 5,335.20 5,319.92 28 Udupi 1,32,940 2,125.66 2,114.14 29 Uttara Kannada 2,77,360 3,403.17 3,395.13 30 Vijayanagar 2,02,914 1,742.80 1,740.34 31 Yadgir 1,55,607 1,334.63 1,330.41 32 # others 11,93,879 15,491.05 15,455.73 Total 1,50,62,763 1,42,979.71 1,42,470.51 # District-wise data in case of some of the NBFCs and NBFC-MFIs is not reported Source: As per data uploaded by Member Lending Institutions on Mudra portal Pradhan Mantri Mudra Yojana (PMMY) - Bank Category-wise (From 01.04.2023 To 31.03.2026) (Amount in Rs. Crore) S. No. Bank Type No. of Loan A/cs Sanctioned Amount 1 Public Sector Bank 1,511,751 33,220.10 2 Private Sector Banks 5,305,112 38,226.16 3 Regional Rural Banks 1,567,853 20,586.61 4 Others 6,678,047 50,946.84 Total 15,062,763 142,979.71 Source: As per data uploaded by Member Lending Institutions on Mudra portalAnnexure I for Part (a) Annexure I for Part (a) of Lok Sabha Unstarred Question No. 37 for 20.07.2026 regarding "Credit Flow under MUDRA, Stand-Up India and CGTMSE in Karnataka" Stand Up India- District -wise data from 2023-24 to 2024-25* (disbursement upto 31.03.2026) (Amount Rs. in Crore) No. of A/cs Disbursement Amt. S.No. District No Of A/Cs Sanctioned Amt. Disbursed (upto 31.03.2026) 1 Bagalkote 100 17.32 70 12.24 2 Ballari 172 35.37 128 18.91 3 Belagavi 208 37.58 163 23.01 4 Bengaluru Rural 103 22.46 70 13.13 5 Bengaluru Urban 1195 289.86 939 209.80 6 Bidar 57 14.39 25 5.89 7 Chamarajanagar 34 8.14 27 3.86 8 Chikkaballapura 102 14.82 47 5.15 9 Chikkamagaluru 52 10.13 40 6.59 10 Chitradurga 64 13.65 43 7.22 11 Dakshina Kannada 195 54.32 171 43.47 12 Davanagere 94 16.34 43 6.39 13 Dharwad 179 34.77 98 15.31 14 Gadag 64 9.53 49 6.24 15 Hassan 95 16.4 76 13.05 16 Haveri 59 12.97 49 11.11 17 Kalaburagi 121 18.45 64 8.84 18 Kodagu 47 8.63 27 6.11 19 Kolar 47 11.89 40 7.80 20 Koppal 51 10.18 31 4.95 21 Mandya 70 15.03 47 9.22 22 Mysuru 225 63.5 168 49.20 23 Raichur 98 17.03 48 10.58 24 Ramanagara 35 10.21 23 6.41 25 Shivamogga 153 25.33 103 14.90 26 Tumakuru 142 32.8 107 24.05 27 Udupi 73 22.35 38 12.03 28 Uttara Kannada 106 19.6 88 15.54 29 Vijayanagara 11 4.54 11 4.54 30 Vijayapura 103 20.7 83 13.00 31 Yadgir 40 12.33 22 2.70 Total 4095 900.65 2938 591.24 SOURCE: SIDBI * Scheme was operational for sanction till 31.03.2025 Stand Up India for the State of Karnataka during FY 2023-24 & 2024-25 (Amount in Rs. Crore) S. No. Bank Type No. of Loan A/cs Sanctioned Amount 1 Public Sector Bank 3279 696.53 2 Private Sector Banks 666 171.24 3 Regional Rural Banks 150 32.87 Total 4,095 900.65 SOURCE:SIDBI * Scheme was operational for sanction till 31.03.2025Annexure I for Part (a) Annexure I for Part (a) of Lok Sabha Unstarred Question No. 37 for 20.07.2026 regarding "Credit Flow under MUDRA, Stand-Up India and CGTMSE in Karnataka" Credit Guarantee approved under CGTMSE from - District-wise (From 01.04.2023 To 31.03.2026) (Amt. Rs. Crore) S.No. District No. of Guarantees Approved Amount Approved 1 Bagalkot 21,420 1562 2 Belagavi 34,164 2521 3 Bellary 11,761 1425 4 Bengaluru (Bangalore) Rural 27,883 6645 5 Bengaluru (Bangalore) Urban 1,30,709 28,073 6 Bidar 6,229 593 7 Chamrajnagar 3463 232 8 Chickmagalur 7,309 572 9 Chikkaballapura 5,790 579 10 Chitradurga 5,238 550 11 Dakshina Kannada 26,360 2719 12 Davangere 8,184 842 13 Dharwad 17,806 1819 14 Gadag 8,412 436 15 Hassan 10,830 923 16 Haveri 10,772 758 17 Kalaburagi 11,502 1078 18 Kodagu 5,471 428 19 Kolar 8,244 840 20 Koppal 3,796 430 21 Mandya 9,742 765 22 Mysore 16,749 2370 23 Raichur 6,471 835 24 Ramanagara 6,218 869 25 Shimoga 10,776 1040 26 Tumkur 10,846 1363 27 Udupi 16,283 1717 28 Uttara Kannada 13,171 824 29 Vijayanagara 159 47 30 Vijayapura 13,093 949 31 Yadgir 3607 335 Total 4,72,458 64,142 Source: Ministry of Micro, Small & Medium Enterprises Credit Guarantee approved under CGTMSE - Bank Category-wise (From 01.04.2023 To 31.03.2026) (Amount in Rs. Crore) S. No. Bank Type No. of Guarantees Approved Amount Approved 1,69,920 32,065 1 Public Sector Bank 60,311 13,131 2 Private Sector Banks 42,062 1,298 3 Regional Rural Banks 2,00,165 17,648 4 Others 4,72,458 64,142 Total Source: Ministry of Micro, Small & Medium EnterprisesAnnexure II for Part (b) Annexure II for Part (b) of Lok Sabha Unstarred Question No. 37 for 20.07.2026 regarding "Credit Flow under MUDRA, Stand-Up India and CGTMSE in Karnataka" Details of Number of women / SC/ST beneficiaries under the Schemes in Karnataka No. of Loan A/cs S. No. Scheme Women SC ST Entrepreneurs 1 PMMY 1,06,41,969 16,64,125 6,68,540 2 SUPI 2,732 1,050 313 CGTMSE 3 1,44,522 17,505 6,333 (no. of guarantees approved) Annexure III for Part (b) of Lok Sabha Unstarred Question No. 37 for 20.07.2026 regarding "Credit Flow under MUDRA, Stand-Up India and CGTMSE in Karnataka" Sector-wise details of loans sanctioned under Stand Up India for the State of Karnataka during FY 2023-24 & 2024-25 (disbursement upto 31.03.2026) [Amount Rs. in Crore] S. No. Sector No Of A/Cs Sanctioned Amt. Disbursement Amt. 1 Manufacturing 707 197.04 116.09 2 Services 1,406 292.16 209.22 3 Trading 1,355 291.63 196.82 4 Agriculture Allied 627 119.81 69.11 Total 4,095 900.65 591.24 SOURCE:SIDBI * Scheme was operational for Sanction till 31.03.2025 # Agriculture Allied also includes the Sectors not specified *****