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Date: 2026-02-02 Category: Not Applicable State: Union Government Country: India

Parliament Question: Mudra Loans to Women Entrepreneurs

Issued by FINANCE · Not Applicable

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Executive Summary & Key Takeaways

**Executive Summary** This document is the answer to an unstarred question in Lok Sabha regarding Mudra loans to women entrepreneurs. It details the number of Mudra loans disbursed to women entrepreneurs, assessments undertaken by the government on the Pradhan Mantri Mudra Yojana (PMMY), and the findings of these assessments. The data provided covers the period from April 1, 2020, to February 1, 2026. **Key Points / Main Content** * **Mudra Loan Disbursement Data:** * Annexure shows state and category-wise (Shishu, Kishor, Tarun, Tarun Plus) disbursement numbers for Mudra loans to women entrepreneurs over the last five years, including the current financial year, from April 1, 2020 to February 1, 2026. * **Government Assessments of PMMY:** * The government has conducted two assessments of PMMY since its inception: one by the Ministry of Labour and Employment (MoLE) in 2018 and another by NITI Aayog in 2023. * **Ministry of Labour and Employment (MoLE) Assessment:** * A large sample survey at the national level was conducted to estimate employment generation under PMMY. * Survey results indicated that PMMY helped generate 1.12 crore net additional employment over approximately 3 years (2015-2018). * **NITI Aayog Assessment (November 2023):** * The findings, issues, and challenges have been summarized, consisting of Scheme Design, Implementation, Institutional Mechanism, Monitoring and Evaluation. * **Impact of PMMY on Women Entrepreneurs:** * PMMY has strengthened the inclusion of women entrepreneurs under the scheme, resulting in approximately 67% of loans being sanctioned to these entrepreneurs. **Impact Analysis** **Stakeholder: Women Entrepreneurs** * **Impact:** They have benefited from Mudra loans disbursed under PMMY, contributing to enterprise sustainability and income enhancement. The scheme has led to a 67% loan sanction rate for women entrepreneurs. * **Action Required:** Continue to engage with the PMMY scheme to access financial support for micro and small enterprises. **Stakeholder: Government (Ministry of Finance, Ministry of Labour and Employment, NITI Aayog)** * **Impact:** The government is responsible for implementing and assessing the PMMY scheme, which impacts employment generation and the financial inclusion of women entrepreneurs. * **Action Required:** Utilise the assessment findings by MoLE and NITI Aayog to strengthen the scheme's design, implementation, and monitoring for better outcomes. **Stakeholder: Lending Institutions** * **Impact:** These institutions are responsible for disbursing Mudra loans and reporting data. * **Action Required:** Continue to upload accurate loan data to the Mudra Portal and support the PMMY scheme by providing loans to women entrepreneurs.

Key Entities Referenced

Pradhan Mantri Mudra Yojana (PMMY): A scheme to provide loans to micro and small enterprises, particularly women entrepreneurs. Mudra Loans: Loans disbursed under the PMMY scheme, categorized by loan amount (Shishu, Kishor, Tarun). NITI Aayog: Institution that conducted an assessment of PMMY, focusing on scheme design, implementation, and monitoring. Ministry of Labour and Employment (MoLE): Government ministry that assessed employment generation under PMMY.
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GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 443 ANSWERED ON MONDAY, FEBRUARY 2, 2026/ MAGHA 13, 1947 (SAKA) Mudra Loans to Women Entrepreneurs 443. SHRI SHASHANK MANI: Will the Minister of FINANCE be pleased to state: (a) the number of Mudra loans disbursed to women entrepreneurs during the last five years, State-wise, along with the categories under which these loans were sanctioned; (b) whether the Government has undertaken any assessment of business performance, enterprise sustainability and income enhancement among women beneficiaries of Mudra loans; (c) if so, the details thereof; and (d) the key lessons identified from these assessments that can strengthen women-led micro and small enterprises, particularly in emerging sectors and rural districts? ANSWER MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a): The state and category-wise (Shishu, Kishor, Tarun & Tarun Plus) number of Mudra loans disbursed to women entrepreneurs during the last five years including the current Financial Year is placed at Annexure. (b) to (d): The Government has undertaken two assessments of the Pradhan Mantri Mudra Yojana (PMMY), including women beneficiaries, since its inception through the Ministry of Labour and Employment in 2018 and NITI Aayog in 2023. The details of the studies are as under: (i) Ministry of Labour and Employment (MoLE) - A large sample survey was conducted at the national level to estimate employment generation under PMMY. As per the survey results, PMMY has helped in generation of 1.12 crore net additional employment during a period of approximately 3 years (i.e. from 2015 to 2018); and (ii) NITI Aayog (November 2023)- The findings, issues and challenges have been summarized which, inter-alia, consist of Scheme Design, Implementation, Institutional Mechanism and Monitoring and Evaluation. PMMY has strengthened the inclusion of women entrepreneurs under the Scheme which resulted in about 67% loans sanctioned to these entrepreneurs. *****Annexure for Lok Sabha Unstarred Question No. 443 for answer on 02.02.2026 regarding "Mudra Loans to Women Entrepreneurs" Pradhan Mantri Mudra Yojana (PMMY) State-wise/ Category-wise Report - Women Entrepreneurs - (From 01.04.2020 To 02.01.2026)* No. of Loan Accounts Shishu Kishor Tarun Tarun Plus (Loans above (Loans above (Loans above S. No. State/ U.T. Name (Loans up to Rs 50,000 Rs 5 lakh Rs 10 lakh Rs. 50,000) upto Rs 5 upto Rs 10 upto Rs 20 Lakh) Lakh) Lakh) 1 Andaman and Nicobar Islands 1,587 1,766 454 2,943 2 Andhra Pradesh 2,591,962 912,049 103,440 2,501,463 3 Arunachal Pradesh 35,633 14,973 1,421 24,227 4 Assam 1,931,691 658,229 21,531 2,060,661 5 Bihar 19,446,937 9,345,753 41,075 20,995,493 6 Chandigarh 14,683 5,222 861 15,280 7 Chhattisgarh 2,880,765 982,926 13,099 2,855,109 Dadra and Nagar Haveli & 8 4,854 5,871 494 10,250 Daman and Diu 9 Delhi 504,758 139,110 9,261 571,191 10 Goa 55,771 36,808 3,364 77,567 11 Gujarat 3,758,859 1,613,539 27,852 4,145,340 12 Haryana 2,168,881 867,507 16,301 2,449,511 13 Himachal Pradesh 108,706 74,452 6,340 145,519 14 Jharkhand 5,940,706 1,721,072 31,762 5,881,483 15 Karnataka 13,932,504 5,541,012 69,240 14,580,313 16 Kerala 4,695,823 2,081,137 31,525 4,713,194 17 Lakshadweep 1,160 1,169 45 1,573 18 Madhya Pradesh 9,727,500 3,087,762 53,485 9,357,729 19 Maharashtra 14,724,122 5,162,134 122,493 14,994,013 20 Manipur 58,972 32,319 1,999 83,295 21 Meghalaya 58,609 24,022 1,901 65,407 22 Mizoram 40,359 28,892 7,129 53,990 23 Nagaland 36,865 25,549 2,233 40,717 24 Odisha 11,890,812 3,105,577 50,879 11,807,628 25 Pondicherry 252,373 137,138 1,641 309,038 26 Punjab 2,215,576 706,908 18,102 2,414,046 27 Rajasthan 6,424,764 2,299,581 34,343 6,821,955 28 Sikkim 20,252 18,859 1,348 29,468 29 Tamil Nadu 13,963,396 7,908,720 105,760 16,909,630 30 Telangana 1,623,816 500,385 45,104 1,422,536 31 Tripura 690,475 341,505 2,798 859,057 Union Territory of Jammu 32 115,251 310,205 30,394 291,254 and Kashmir 33 Union Territory of Ladakh 1,696 13,083 1,257 10,721 34 Uttar Pradesh 15,289,666 5,071,228 70,497 15,269,799 35 Uttarakhand 865,075 310,126 7,976 930,137 36 West Bengal 14,058,179 5,492,892 91,719 15,797,601 Total 150,133,038 58,579,480 1,029,123 158,499,138 *Provisional Source: As per data uploaded by Member Lending Institutions on Mudra Portal *****

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