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GOVERNMENT OF INDIA
MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES
LOK SABHA
UNSTARRED QUESTION NO. 3417
TO BE ANSWERED ON: 12.03.2026
PMMY IN TAMIL NADU
3417. SHRI THARANIVENTHAN M S:
Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:
(a) the total number of loans sanctioned and disbursed under the Pradhan Mantri Mudra Yojana
(PMMY) during the last three years, State-wise, particularly for Tamil Nadu;
(b) the details of sectors that have benefited the most from PMMY loans, including artisan units,
small traders and service providers in Tamil Nadu;
(c) whether any specific steps have been taken to increase credit access for women entrepreneurs
and underprivileged sections and if so, the details thereof;
(d) the initiatives taken to integrate PMMY with other schemes such as Stand-Up India, MUDRA
plus schemes and state MSME support programs; and
(e) the Government’s plans to expand coverage, simplify procedures and enhance loan limits for
eligible beneficiaries, especially in Tamil Nadu?
ANSWER
MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES
(SUSHRI SHOBHA KARANDLAJE)
(a) to (e): As informed by Department of Financial Services (DFS), Pradhan Mantri Mudra
Yojana (PMMY) was launched on 08.04.2015 to extend collateral free credit up to Rs.20 lakh by
Member Lending Institutions (MLIs), i.e. Scheduled Commercial Banks (SCBs), 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 for income generating activities in the manufacturing, trading, service sectors
including activities allied to agriculture across four loan categories, viz. Shishu (loans upto Rs.
50,000), Kishor (loans above Rs. 50,000 and upto Rs. 5 lakh), Tarun (loans above Rs. 5 lakh and upto
Rs. 10 lakh) and Tarun Plus (loans above Rs. 10 lakh and upto Rs. 20 lakh for those entrepreneurs
who have availed and successfully repaid previous loans under the ‘Tarun’ category w.e.f.
24.10.2024).
The Scheme provides funding to small businesses, handicrafts, agriculture-allied activities and
traditional enterprises on which many women rely for income. Further, women, who often lack
collateral or credit history, have benefited from collateral-free loans provided under PMMY.
With a view to incentivize successful borrowers under the Pradhan Mantri MUDRA Yojana
(PMMY), a new category of Mudra Loans, namely ‘Tarun Plus’ was introduced in 2024-25 for those
borrowers who have successfully repaid their Mudra loan under Tarun Category. Under ‘Tarun Plus’,
collateral free loans upto Rs. 20 lakhs are provided to such borrowers.
The Government has taken several measures in order to simplify the loan application process
and ensure the timely disbursal of loans. Portals like Jan Samarth has been created with 15 credit
linked schemes where the applicant can have the self-journey or assisted journey for applying
specified loans.
The number of loan accounts, amount sanctioned and disbursed under PMMY during the last
three years. State-wise, including Tamil Nadu is attached at Annexure I.
*****Annexure I
Annexure referred in part (a) to (e) of answer to Lok Sabha Unstarred Question no. 3417 on “PMMY in Tamil Nadu” due for reply on 12.03.2026.
Details of Pradhan Mantri Mudra Yojana (PMMY) loans for last three years
[Amount Rs. in Crore]
Sr. State/UTs Name 2025-26 2024-25 2023-24
No. No Of A/Cs Sanctioned Disbursement No Of Sanctioned Disbursement No Of Sanctioned Disbursement
Amt Amt A/Cs Amt Amt A/Cs Amt Amt
1 Andaman and Nicobar 2,774 137.44 136.94 3,027 143.44 143.08 3,131 126.49 126.13
Islands
2 Andhra Pradesh 11,20,810 21,840.48 20,442.59 14,64,680 20,810.41 20,517.18 15,88,682 19,835.91 19,573.04
3 Arunachal Pradesh 37,670 587.49 581.55 36,567 504.13 495.72 26,431 352.18 346.63
4 Assam 9,20,448 10,861.20 10,770.72 12,16,262 11,265.21 11,191.94 7,22,225 6,942.56 6,847.44
5 Bihar 48,96,486 45,132.45 43,766.61 77,71,213 58,138.29 54,064.10 96,31,277 58,722.25 56,841.09
6 Chandigarh 10,898 318.74 313.75 15,724 317.41 313.60 15,585 301.28 294.80
7 Chhattisgarh 7,65,227 9,422.14 9,001.00 10,16,177 9,872.37 9,221.98 10,35,574 8,983.57 8,436.37
8 Dadra and Nagar 3,130 98.28 97.32 3,936 93.24 92.80 3,792 67.53 67.18
Haveli
9 Daman and Diu 1,419 50.78 50.35 2,292 98.09 93.12 1,194 37.22 36.62
10 Delhi 1,96,157 6,228.22 6,062.34 1,99,513 4,745.53 4,695.01 3,15,625 4,341.76 4,265.87
11 Goa 25,079 671.12 661.19 27,585 658.27 648.22 42,505 770.27 756.46
12 Gujarat 13,52,032 20,313.87 20,098.01 15,70,182 20,069.70 19,919.03 19,60,464 19,870.65 19,640.31
13 Haryana 7,35,887 10,439.51 10,264.13 8,00,080 10,079.56 9,974.77 10,95,972 11,047.06 10,719.55
14 Himachal Pradesh 1,26,166 3,226.91 3,164.67 1,10,348 3,099.89 3,076.75 1,46,471 3,354.69 3,241.99
15 Jharkhand 12,22,632 12,192.55 11,824.36 16,68,829 12,966.56 12,551.98 21,29,193 13,050.05 12,887.57
16 Karnataka 27,39,271 35,259.66 35,093.18 49,43,477 49,470.21 49,319.57 64,58,940 49,684.30 49,510.51
17 Kerala 13,81,936 17,297.29 17,180.04 19,44,890 19,810.73 19,661.76 19,73,469 18,152.16 18,015.08
18 Lakshadweep 1,903 42.10 42.00 2,258 43.91 43.87 2,309 39.97 39.91
19 Madhya Pradesh 25,51,496 27,960.16 26,191.16 33,02,774 30,442.10 28,899.69 34,45,475 26,146.21 25,272.18
20 Maharashtra 30,68,225 45,694.88 44,969.65 44,62,791 51,311.90 50,762.02 52,79,979 43,075.16 42,773.74
21 Manipur 29,654 632.65 624.94 11,452 320.31 311.29 10,666 225.04 213.6222 Meghalaya 29,479 474.71 470.15 35,308 507.04 502.49 31,633 424.99 420.03
23 Mizoram 23,274 547.05 544.44 26,463 604.57 600.41 28,729 580.54 576.65
24 Nagaland 28,765 556.75 551.30 32,002 525.12 519.36 21,014 400.84 394.69
25 Odisha 18,96,415 22,025.77 21,816.92 27,93,890 22,677.77 22,532.57 37,61,546 23,539.15 23,355.99
26 Pondicherry 68,758 938.51 934.62 85,730 898.07 890.60 1,33,357 1,063.54 1,059.69
27 Punjab 7,17,442 11,401.10 10,900.21 7,07,516 10,278.37 9,856.31 10,39,309 11,331.72 10,668.37
28 Rajasthan 18,83,309 25,442.42 25,219.53 21,63,626 25,994.30 25,794.48 26,93,556 26,955.25 26,755.28
29 Sikkim 15,492 274.11 269.52 19,185 294.16 290.24 19,290 266.38 260.61
30 Tamil Nadu 31,37,622 42,148.77 41,959.19 45,36,967 46,869.01 46,666.26 72,04,001 57,616.60 57,370.41
31 Telangana 8,47,873 14,642.16 14,544.13 11,37,388 13,981.58 13,907.44 9,47,059 10,929.91 10,722.07
32 Tripura 2,42,792 2,571.79 2,551.06 3,48,747 2,885.56 2,864.61 3,24,797 2,505.42 2,465.59
33 Union Territory of 3,26,009 7,792.91 7,268.68 3,99,396 9,241.44 8,808.02 3,66,142 8,530.51 8,119.92
Jammu and Kashmir
34 Union Territory of 8,245 240.53 234.86 12,197 356.50 350.62 11,013 311.64 306.97
Ladakh
35 Uttar Pradesh 47,37,733 58,866.70 58,104.42 59,24,230 58,837.78 58,111.79 76,79,518 59,506.73 58,535.05
36 Uttarakhand 2,63,887 4,443.87 4,396.97 3,38,119 4,583.09 4,534.21 4,45,218 4,798.74 4,728.64
37 West Bengal 41,67,212 45,581.20 44,451.52 55,26,827 50,006.14 49,575.68 61,81,872 47,124.58 46,712.27
Total 3,95,83,607 5,06,356.27 4,95,554.03 5,46,61,648 5,52,801.78 5,41,802.58 6,67,77,013 5,41,012.86 5,32,358.35
Source: DFS