**Executive Summary:**
This document is an answer provided in the Lok Sabha on July 21, 2025, regarding the Pradhan Mantri Mudra Yojana (PMMY). It outlines the scheme's features, details the amount sanctioned, allocated, and utilized in Maharashtra, Madhya Pradesh, and Dadra & Nagar Haveli over the past three years (01.04.2022 to 31.03.2025), and addresses complaints about non-assistance by banks.
**Key Points / Main Content:**
* **Pradhan Mantri Mudra Yojana (PMMY) Features:**
* Provides collateral-free institutional credit through Member Lending Institutions (MLIs).
* Eligible individuals with small business plans can avail loans for income-generating activities in manufacturing, trading, services, and agriculture-allied sectors.
* Four loan products are available: Shishu (up to Rs. 50,000), Kishore (above Rs. 50,000 and up to Rs. 5 lakh), Tarun (above Rs. 5 lakh and up to Rs. 10 lakh), and Tarun Plus (up to Rs. 20 lakh for previous Tarun loan recipients).
* **Financial Data (01.04.2022 to 31.03.2025):**
* **Maharashtra:** 1.49 crore loan accounts, Rs. 1,30,919 crore sanctioned, Rs. 1,29,640 crore disbursed.
* **Madhya Pradesh:** 1.04 crore loan accounts, Rs. 81,890 crore sanctioned, Rs. 78,804 crore disbursed.
* **Dadra and Nagar Haveli:** 0.0013 crore loan accounts, Rs. 228 crore sanctioned, Rs. 226 crore disbursed.
* **All India:** 18.37 crore loan accounts, Rs. 15,50,352 crore sanctioned, Rs. 15,24,584 crore disbursed.
* **Complaint Redressal Mechanism:**
* A robust mechanism exists at all levels for addressing PMMY-related complaints.
* Complaints are redressed in consultation with the respective banks and through the Centralized Public Grievance Redress and Monitoring System (CPGRAMS).
* Bank branches display the name of an official to whom complainants can address grievances.
* Unresolved branch-level complaints are escalated, with a final response provided within 30 days.
* Complainants can also approach the Regional/Zonal Manager/Principal Nodal Officer (PNO) at the displayed address.
**Impact Analysis:**
**Borrowers/Loan Applicants:**
* *Impact:* Can access collateral-free loans for small business ventures under PMMY. Also, have access to a grievance redressal mechanism.
* *Action Required:* Understand the loan categories and eligibility criteria, prepare a viable business plan, and utilize the grievance redressal system if needed.
**Member Lending Institutions (MLIs):**
* *Impact:* Responsible for providing loans under PMMY and must meet state-wise targets. Also, required to address borrower complaints.
* *Action Required:* Fix state-wise targets, disburse loans as per PMMY guidelines, and address grievances promptly through the established mechanism.
**Government (Ministry of Finance):**
* *Impact:* Oversees the implementation and monitoring of the PMMY scheme.
* *Action Required:* Allocate annual targets to MLIs, monitor loan disbursement, and ensure the effective functioning of the complaint redressal system.
Key Entities Referenced
Pradhan Mantri Mudra Yojana (PMMY): A scheme by the Government of India to provide collateral-free institutional credit to small businesses.
Maharashtra: A state in India, mentioned in the context of funds sanctioned, allocated, and utilized under the PMMY scheme.
Madhya Pradesh: A state in India, mentioned in the context of funds sanctioned, allocated, and utilized under the PMMY scheme.
Dadra and Nagar Haveli: A Union Territory in India, mentioned in the context of funds sanctioned, allocated, and utilized under the PMMY scheme.
Ministry of Finance: The government ministry responsible for financial matters, including the Pradhan Mantri Mudra Yojana (PMMY).
Scheduled Commercial Banks (SCBs): Member Lending Institutions (MLIs) that provide collateral-free institutional credit under the Pradhan Mantri Mudra Yojana PMMY.
Regional Rural Banks (RRBs): Member Lending Institutions (MLIs) that provide collateral-free institutional credit under the Pradhan Mantri Mudra Yojana PMMY.
Non-Banking Financial Companies (NBFCs): Member Lending Institutions (MLIs) that provide collateral-free institutional credit under the Pradhan Mantri Mudra Yojana PMMY.
Government of India
Ministry of Finance
Department of Financial services
LOK SABHA
UNSTARRED QUESTION NO. 116
ANSWERED ON MONDAY, JULY 21, 2025/ 30 ASHADHA, 1947 (SAKA)
FUNDS ALLOCATED AND UTILISED UNDER PMMY
116. Smt. Delkar Kalaben Mohanbhai:
Shri Bhumare Sandipanrao Asaram:
Dr. Shivaji Bandappa Kalge:
Shri Gyaneshwar Patil:
Will the Minister of FINANCE be pleased to state:
(a) the features of Pradhan Mantri Mudra Yojana (PMMY);
(b) the details of the amount sanctioned, allocated and utilised under this scheme in the State of
Maharashtra, Madhya Pradesh and Union Territory of Dadra and Nagar Haveli during the last
three years;
(c) the target set under the said scheme and the number of people benefited therefrom in the above
States/UT along with the response in this regard across the country; and
(d) whether any complaints have been received regarding non-assistance by banks to needy
people and if so, the details thereof along with the steps taken/being taken by the Government
in this regard?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a): Under the Pradhan Mantri Mudra Yojana (PMMY), collateral-free institutional credit is provided
by Member Lending Institutions (MLIs) i.e. Scheduled Commercial Banks (SCBs), Regional Rural
Banks (RRBs), 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. He/ She can avail loans for income generating activities
in the manufacturing, trading, services sector and also for activities allied to agriculture across fourloan products, viz. Shishu (loans up to Rs. 50,000), Kishore (loans above Rs. 50,000 and up to Rs. 5
lakh) and Tarun (loans above Rs. 5 lakh and up to Rs. 10 lakh). Loans upto Rs. 20 lakh under Tarun
Plus category are given to those entrepreneurs who have availed and successfully repaid previous
loans under the ‘Tarun’ category.
(b) and (c) : The Government allocates annual target under Pradhan Mantri Mudra Yojana (PMMY)
to Member Lending Institutions(MLIs). MLIs in turn fix their respective State-wise targets according
to potential of the area, their presence and other related parameters.
Amount sanctioned and disbursed under PMMY Scheme in the State of Maharashtra, Madhya
Pradesh and Union Territory of Dadra and Nagar Haveli during the last three years i.e. from
01.04.2022 to 31.03.2025 is as under:
(Amount in Rs. Crore)
State/ UT No. of loan accounts Amount sanctioned Amount disbursed
sanctioned
(in crores)
Maharashtra 1.49 1,30,919 1,29,640
Madhya Pradesh 1.04 81,890 78,804
Dadra and Nagar
0.0013 228 226
Haveli
All India 18.37 15,50,352 15,24,584
(As per data uploaded by MLIs on Mudra portal)
(d): There is a robust complaint redressal mechanism operating at all levels. Complaints with regard
to implementation of PMMY are redressed in consultation with the respective Banks. The complaints
received at the Centralized Public Grievance Redress and Monitoring System (CPGRAMS) are taken
up with respective Banks for redressal within the prescribed timelines.
Further, the name of the official is displayed in the Bank branch premises to whom the complainant
may approach if he/she has any grievance. The unresolved complaints at the branch level are escalated
to the next higher level of the grievance redressal authority within the Bank and a final response is
given within 30 days. Complainant may also approach the Regional / Zonal Manager / Principal
Nodal Officer (PNO) at the address (es) displayed at the branch.
*****