Executive Summary:
This document is a response to a parliamentary question regarding the Pradhan Mantri Mudra Yojana (PMMY) in Tamil Nadu, particularly focusing on Dharmapuri district. It outlines measures to ensure timely loan disbursement, support mechanisms for beneficiaries, and the distribution of Mudra loans across different sectors and communities. The data reflects the number of loan accounts sanctioned under PMMY in Tamil Nadu and Dharmapuri District.
Key Points / Main Content:
Timely Loan Sanction and Disbursal:
* Simplified application process implemented.
* Credit guarantee provided.
* Publicity in bank branches.
* Online platforms (JanSamarth portal) and mobile apps are used for digital loan processing.
Support Mechanisms:
* Skill training provided by the National Skill Development Corporation (NSDC).
* Mudra Nodal Officers appointed at banks.
* Financial literacy programs conducted through Financial Literacy Centers (FLC) and Centre for Financial Literacy (CFL).
* Rural Self Employment Training Institutes (RSETIs) organize skill development, vocational training, and entrepreneurship initiatives.
* Credit outreach camps are conducted to create awareness.
Loan Details:
* Collateral-free institutional credit up to Rs. 20 lakh is extended to micro-small business units in manufacturing, trading, and services, including activities allied to agriculture.
* Sector-wise details of Mudra loans are not maintained centrally.
* Loan account distribution in Tamil Nadu: General (3,98,56,398), SC (64,95,540), ST (7,40,421), OBC (1,25,43,441), Total (5,96,35,800).
* Loan account distribution in Dharmapuri: General (3,43,107), SC (1,03,311), ST (12,238), OBC (1,91,522), Total (6,50,178).
* Loans extended to women in Tamil Nadu: 4,06,59,850 (out of total loans).
* Loans extended to women in Dharmapuri: 4,08,030 (out of total loans).
* Includes loans sanctioned in rural areas
Impact Analysis:
Unemployed Youth and Aspiring Entrepreneurs in Tamil Nadu (especially Dharmapuri):
* Impact: Benefit from easier access to loans and support mechanisms to start businesses.
* Action Required: Utilize available online platforms, training programs, and financial literacy resources.
Marginalized Communities (SC, ST, OBC, Women) in Dharmapuri and Rural Tamil Nadu:
* Impact: Intended to receive equitable access to PMMY loans.
* Action Required: Engage with outreach programs and utilize the simplified loan application processes.
Member Lending Institutions (MLIs):
* Impact: Expected to extend collateral-free credit and participate in awareness campaigns.
* Action Required: Implement simplified application processes and participate in credit outreach camps.
Key Entities Referenced
Pradhan Mantri Mudra Yojana PMMY: A government scheme to provide loans to non-corporate, non-farm small/micro enterprises.
Tamil Nadu: A state in southern India, focus of the loan scheme mentioned in the document.
Dharmapuri district: A district in Tamil Nadu, receiving specific focus under the PMMY scheme.
Scheduled Castes: A marginalized community in India, a focus of equitable access to PMMY loans.
Scheduled Tribes: A marginalized community in India, a focus of equitable access to PMMY loans.
Other Backward Classes: A marginalized community in India, a focus of equitable access to PMMY loans.
Ministry of Finance: The government ministry responsible for financial matters.
National Skill Development Corporation NSDC: An organization providing skill training, supporting PMMY implementation.
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 2328
ANSWERED ON MONDAY, AUGUST 4, 2025/ SRAVANA 13, 1947 (SAKA)
LOAN SANCTIONED UNDER PMMY IN TAMIL NADU
2328. Shri Mani A:
Will the Minister of FINANCE be pleased to state:
(a) the measures taken by the Government to ensure timely sanction and disbursal of loans under
the Pradhan Mantri Mudra Yojana (PMMY), especially for unemployed youth and aspiring
entrepreneurs in Tamil Nadu with particular focus on Dharmapuri district;
(b) whether the Government has established any support mechanisms including skill
development, financial literacy or handholding initiatives to help beneficiaries in Dharmapuri
district effectively utilize PMMY loans for sustainable self-employment and if so, the details
thereof;
(c) the details of the sectors and types of enterprises that have received the highest number of
Mudra loans in Tamil Nadu, especially in Dharmapuri constituency during the last five years;
and
(d) the steps taken to ensure equitable access to PMMY loans for marginalized communities such
as Scheduled Castes, Scheduled Tribes, Other Backward Classes and women entrepreneurs in
Dharmapuri and other rural regions of Tamil Nadu ?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a): Several measures have been taken to ensure timely sanction and disbursal of loans under Pradhan
Mantri Mudra Yojana (PMMY), like simplified application process, credit guarantee, publicity in
branches, online platforms like JanSamarth portal and mobile apps for end to end digital processing
of loan applications by many banks and financial institutions.(b): The Government has implemented various initiatives and support mechanisms like providing
skill training from National Skill Development Corporation (NSDC), nomination of Mudra Nodal
Officer at banks, financial literacy programs are conducted through Financial Literacy Centers (FLC)
and Centre for Financial Literacy (CFL) in order to help people to avail loans under PMMY.
Further, banks through its Rural Self Employment Training Institutes (RSETIs) organize various skill
development programs including vocational training and entrepreneurship development initiatives.
Banks also conduct credit outreach camps etc. for creating awareness about various Schemes.
(c) and (d): Collateral free institutional credit upto Rs.20 lakh is being extended by Member Lending
Institutions (MLIs) to unfunded micro/small business units for income generating activities in the
manufacturing, trading and services sector including activities allied to agriculture. The sector-wise
details and types of enterprises that have Mudra loans is not being maintained centrally.
However, the details of number of loan accounts sanctioned under PMMY in Tamil Nadu and
Dharmapuri District is as below:
Category Tamil Nadu Dharmapuri
General 3,98,56,398 3,43,107
SC 64,95,540 1,03,311
ST 7,40,421 12,238
OBC 1,25,43,441 1,91,522
Total number of loan accounts sanctioned* 5,96,35,800 6,50,178
Loans extended to women out of total loans 4,06,59,850 4,08,030
*Includes loans sanctioned in rural areas
*****