Parliament Question: Pradhan Mantri Mudra Yojana (PMMY)

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 3691 ANSWERED ON MONDAY, March 16, 2026 / PHALGUNA 25, 1947 (SAKA) Pradhan Mantri Mudra Yojana (PMMY) 3691. SHRI TAPIR GAO DR. NISHIKANT DUBEY: DR. MANNA LAL RAWAT: DR. K SUDHAKAR: DR. BHOLA SINGH: SHRI PRAVEEN PATEL: SHRI TEJASVI SURYA: SHRI SATISH KUMAR GAUTAM: SHRI ANUP SANJAY DHOTRE: SHRI ASHOK KUMAR RAWAT: SHRI PRADEEP KUMAR SINGH: SHRI JUGAL KISHORE: MS KANGNA RANAUT: SHRI ALOK SHARMA: SHRI DULU MAHATO: SHRI CHAVAN RAVINDRA VASANTRAO: SHRI CAPTAIN BRIJESH CHOWTA: SHRI SUDHEER GUPTA: SHRI P C MOHAN: DR. KALYAN VAIJINATHRAO KALE: SMT. HIMADRI SINGH: SHRI MADHAVANENI RAGHUNANDAN RAO: SMT. MAHIMA KUMARI MEWAR: SHRI RODMAL NAGAR: SHRI JASWANTSINH SUMANBHAI SHRI HARIBHAI PATEL: BHABHOR: DR. MOHAMMAD JAWED: SHRI BALABHADRA MAJHI: SHRI VISHNU DAYAL RAM: SHRI PARBHUBHAI NAGARBHAI VASAVA: SHRI RAMESH AWASTHI: SHRI P P CHAUDHARY: SHRI DAMODAR AGRAWAL: SMT. SMITA UDAY WAGH: SHRI VISHWESHWAR HEGDE KAGERI: SHRI MANOJ TIWARI: SHRI VIJAY BAGHEL: SHRI SAUMITRA KHAN: SHRI MANISH JAISWAL: SHRI DHAIRYASHEEL SAMBHAJIRAO MANE: Will the Minister of FINANCE be pleased to state: (a) the total number and amount of loans sanctioned and disbursed under the Pradhan Mantri Mudra Yojana (PMMY) during the last three years, category-wise (Shishu, Kishor and Tarun), State-wise particularly Uttar Pradesh, Rajasthan, Karnataka, Bihar, Jharkhand, MadhyaPradesh, Gujarat, Odisha, Maharashtra, West Bengal including Parliamentary Constituencies of Shahdol, Dahod, Nabarangpur and Jalgaon along with the district-wise data for Dakshina Kannada, Bengaluru, Sehore, Bhopal, Bhilwara, Hazaribagh and Ramgarh; (b) the proportion of first-time borrowers, women, youth and first time entrepreneur beneficiaries under the Scheme during the said period, State-wise details of Karnataka, Odisha, Rajasthan, Maharashtra, West-Bengal, Jharkhand particularly Bulandshahar, Dakshina Kannada and Hazaribagh and Ramgarh districts and Parliamentary Constituencies of Nabarangpur in Odisha and Pali in Rajasthan along with the details of women, SC/ST/OBC and minority beneficiaries of the said Scheme in Bihar, district-wise; (c) the number and amount of Mudra loans sanctioned to beneficiaries in Bulandshahr in UP; (d) the details of non-performing assets under the said Scheme, category-wise and year-wise, including recovery performance, particularly in Bengaluru in Karnataka, Hazaribagh and Ramgarh districts in Jharkhand and Nabarangpur Lok Sabha Constituency in Odisha; (e) the corrective measures steps taken by the Government to improve credit discipline and ensure sustainability of micro-enterprise lending and control NPAs under the said Scheme in Bulandshahr in UP, Bengaluru in Karnataka and Hazaribagh and Ramgarh in Jharkhand and particularly for street vendors, small traders and service enterprises in Nabarangpur Lok Sabha Constituency and in aspirational and rural districts such as Jalgaon in Maharashtra; and (f) the details of the overall progress of the scheme in Bihar, including sector-wise distribution of loans, repayment performance/Non-Performing Asset (NPA) levels, employment generated and steps taken to improve outreach in backward and aspirational districts? ANSWER MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a) and (b): The total number and amount of loans sanctioned and disbursed under the Pradhan Mantri Mudra Yojana (PMMY) during the last three years, category-wise (Shishu, Kishor,Tarun and Tarun Plus) and state-wise is placed at Annexure I. Parliamentary Constituency-wise data is not maintained for loans sanctioned under the Scheme, however, district-wise data for Shahdol, Dahod, Nabarangpur, Jalgaon, Dakshina Kannada, Bengaluru, Sehore, Bhopal, Bhilwara, Pali Hazaribagh and Ramgarh is placed at Annexure-II. Approximately 19% loans have been sanctioned to new entrepreneurs/accounts and 65% loans to Women entrepreneurs across the country.State-wise details of new entrepreneurs/accounts and Women entrepreneurs is at Annexure III. Further, details of Bulandshahar, Dakshina Kannada and Hazaribagh, Ramgarh Nabarangpur and Pali districts is placed at Annexure IV. District wise details of loans sanctioned and disbursed to women, SC/ST/OBC and minority beneficiaries under the Scheme in the state of Bihar is given at Annexure V. (c): As on February, 2026, more than 10.47 lakh loans, amounting to more than Rs.6,885 crore have been sanctioned in Bulandshahr, UP since launch of the Scheme. (d): The details of non-performing assets under the Scheme for the last three years, category- wise is placed at Annexure-VI. Details of State-wise/ District-wise NPA and details of recovery made is not centrally maintained. However, the steps taken by banks for recovery of NPA under PMMY include: • constant follow up and increased frequency of customer connect; • rescheduling of instalments and One Time Settlement (OTS). (e): Banks regularly conduct awareness programmes, financial literacy camps and recovery drives to improve repayment behaviour among borrowers and promote responsible credit utilization. Financial literacy camps also help beneficiaries understand banking procedures, repayment schedules and the consequences of default. In addition, Banks actively monitor loan accounts and undertake recovery drives in coordination with district administration and other stakeholders. These measures collectively help in strengthening credit discipline, reducing NPAs and ensuring the long-term sustainability of micro-enterprise lending. (f): As on February, 2026, more than 6.35 crore loans, amounting to more than Rs.3.46 lakh crore have been sanctioned in the state of Bihar, since launch of the Scheme. The details of sector-wise distribution of loans, repayment performance and employment generation is not maintained centrally. Government has taken various steps towards the effective implementation of the Mudra Scheme. These, inter-alia, include publicity campaigns, simplification of application form, Credit Guarantee Scheme, nomination of Mudra Nodal Officer, frequent reviews at various level by Government and Banks. *****Annexure I Pradhan Mantri Mudra Yojana - Category wise - State/UT wise Report (From 01.04.2022-31.03.2025) (Amount in Rs. Crore) Shishu Kishor Tarun Tarun Plus Sanction Disburse S.No Sanctione Disbursed No.of Sanctione Disbursed No.of Sanctioned Disbursed No.of ed d . State/ U.T. No.of Loans d Amount Amount Loans d Amount Amount Loans Amount Amount Loans Amount Amount Andaman and 1 Nicobar Islands 1,478 4.13 4.03 5,199 142.92 141.08 2,942 249.82 248.10 2 0.35 0.35 2 Andhra Pradesh 2,390,366 7,178.04 7,078.45 1,712,250 25,404.05 25,022.93 290,569 23,225.91 22,960.17 8,770 1,289.02 1,240.98 3 Arunachal Pradesh 41,121 131.43 130.18 33,844 525.57 513.37 5,206 421.06 410.35 20 3.03 3.03 4 Assam 1,273,352 4,194.32 4,148.54 1,175,694 13,668.65 13,525.86 88,422 6,611.71 6,513.22 232 34.07 33.96 5 Bihar 16,229,524 60,129.31 59,639.31 9,429,329 84,587.83 79,241.71 231,705 18,428.92 17,356.93 1,163 177.63 115.82 6 Chandigarh 25,441 92.01 91.47 17,017 317.18 310.12 6,095 508.54 498.01 17 2.37 2.37 7 Chhattisgarh 1,955,943 6,658.03 6,549.38 1,126,304 13,988.45 12,984.84 84,230 6,568.54 6,354.33 201 32.54 32.39 Dadra and Nagar Haveli & Daman 8 and Diu 6,086 18.82 18.60 7,700 140.46 136.87 2,927 239.11 234.89 13 1.59 1.59 9 Delhi 504,569 1,250.86 1,237.15 257,633 4,430.01 4,359.44 89,946 7,138.19 7,055.21 466 68.86 68.30 10 Goa 51,072 183.38 181.26 46,736 813.23 795.14 14,996 1,146.88 1,124.16 31 4.30 4.30 11 Gujarat 3,026,657 10,692.03 10,638.09 2,050,904 25,318.77 25,094.63 236,492 21,451.88 21,189.05 1,030 145.76 145.05 12 Haryana 1,742,239 6,349.28 6,298.40 1,255,667 15,810.19 15,356.71 116,567 9,064.56 8,927.43 387 57.52 56.58 13 Himachal Pradesh 134,357 496.99 478.75 219,401 4,647.85 4,512.39 54,697 4,427.88 4,393.24 97 14.86 14.57 Jammu and 14 Kashmir 245,351 836.27 820.15 726,530 15,064.25 14,441.70 124,578 9,182.16 8,879.13 42 6.78 6.67 15 Jharkhand 4,160,698 13,986.18 13,894.62 1,599,064 15,919.13 15,706.89 94,051 7,327.45 6,885.48 368 50.00 49.64 16 Karnataka 10,533,379 37,079.17 36,994.35 6,120,984 71,429.81 71,201.23 339,307 31,490.46 31,261.19 813 120.04 119.3817 Kerala 3,244,785 12,137.83 11,952.86 2,294,277 26,598.18 26,370.46 159,501 14,428.20 14,235.92 1,270 199.15 196.83 18 Ladakh 2,810 7.30 7.14 24,884 521.33 513.87 5,499 427.09 422.05 5 0.73 0.41 19 Lakshadweep 1,927 5.65 5.62 3,942 77.52 77.46 321 27.52 27.45 - - - 20 Madhya Pradesh 6,864,680 23,650.23 23,248.61 3,316,581 38,043.96 36,375.28 268,113 20,115.17 19,100.82 536 80.25 79.75 21 Maharashtra 9,842,784 32,237.65 32,142.74 4,646,784 54,958.17 54,361.05 505,275 43,546.28 42,960.58 1,251 176.94 175.91 22 Manipur 31,363 100.88 99.60 25,341 518.26 500.17 5,133 409.73 392.65 25 3.71 3.71 23 Meghalaya 47,606 166.19 164.77 37,955 600.23 590.97 6,302 504.18 496.25 15 2.05 2.05 24 Mizoram 39,044 163.69 163.02 29,322 599.31 595.11 10,212 845.14 838.48 8 1.36 1.36 25 Nagaland 27,764 100.74 99.29 33,758 611.96 601.31 6,642 524.63 506.99 24 3.25 3.25 26 Odisha 7,451,618 25,802.85 25,673.32 2,872,624 28,033.76 27,803.33 153,201 14,013.23 13,842.88 504 75.70 74.15 27 Pondicherry 160,315 640.04 636.68 150,798 1,568.82 1,561.17 6,362 493.12 487.31 6 0.87 0.87 28 Punjab 1,786,972 6,269.25 6,149.24 1,088,925 15,554.12 14,745.44 130,439 10,782.37 10,337.66 380 59.37 58.71 29 Rajasthan 4,514,934 16,314.36 16,214.10 3,036,807 38,966.63 38,695.73 281,927 22,213.96 21,991.56 954 141.55 141.00 30 Sikkim 21,104 79.38 78.58 27,698 443.13 434.29 3,466 261.82 255.30 12 1.98 1.98 31 Tamil Nadu 9,728,742 36,858.90 36,726.04 8,094,707 82,513.04 82,157.20 322,738 28,872.03 28,694.97 1,294 189.70 188.84 32 Telangana 1,689,183 5,699.31 5,655.54 861,617 12,981.78 12,818.86 165,612 13,477.71 13,263.24 7,358 887.50 887.17 33 Tripura 562,024 2,001.02 1,994.68 450,116 4,868.78 4,819.28 12,023 879.32 860.61 40 5.31 5.24 34 Uttar Pradesh 13,511,686 47,421.56 46,806.88 6,382,224 71,397.48 70,431.08 516,788 47,452.46 46,570.87 1,771 267.92 265.24 35 Uttarakhand 714,424 2,610.50 2,565.92 455,414 6,352.03 6,269.51 58,564 4,746.42 4,688.39 263 42.70 42.57 36 West Bengal 9,882,554 34,306.35 34,231.81 6,898,659 74,915.56 74,536.19 353,343 26,359.46 25,724.71 1,059 154.58 149.10 Total 112,447,952 395,853.93 392,819.17 66,516,689 752,332.40 737,602.67 4,754,191 397,862.91 389,989.58 30,427 4,303.34 4,173.12 Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra PortalAnnexure II Pradhan Mantri Mudra Yojana - Category wise - District wise Report (From 01.04.2022-31.03.2025) (Amount in Rs. Crore) Shishu Kishor Tarun Tarun Plus S.No District No.of Sanctione Disburse No.of Sanctione Disburse No.of Sanctione Disburse No.of Sanctione Disburse . Loans d d Loans d d Loans d d Loans d d Amount Amount Amount Amount Amount Amount Amount Amount 1 Shahdol 128,546 432.88 425.44 45,701 439.29 405.58 2,460 194.63 178.51 8 1.40 1.40 2 Dahod 230,109 884.98 881.63 108,717 891.09 884.00 2,141 147.25 128.19 10 1.59 1.59 3 Nabarangpur 119,167 407.00 403.75 26,680 233.15 231.23 1,778 134.77 133.70 3 0.46 0.46 4 Jalgaon 430,248 1,477.26 1,475.87 216,631 2,236.45 2,222.43 9,725 729.76 719.32 32 4.90 4.90 Dakshina 5 Kannada 133,632 416.26 414.72 67,968 1,177.73 1,168.29 13,357 1,081.15 1,067.36 28 4.31 4.31 6 Bengaluru 919,577 3,223.89 3,218.16 421,695 5,370.38 5,321.02 52,886 9,027.24 8,958.99 241 34.63 34.51 7 Sehore 116,429 414.55 409.01 69,946 860.79 821.51 5,661 420.29 398.17 7 0.93 0.93 8 Bhopal 294,671 944.49 935.12 119,296 1,523.18 1,484.55 17,569 1,424.58 1,375.02 43 6.24 6.15 9 Bhilwara 134,407 489.51 487.11 95,887 1,216.44 1,210.52 9,874 740.08 732.70 36 5.24 5.24 10 Hazaribagh 210,919 718.40 714.56 92,948 947.23 929.16 6,402 488.55 450.76 23 3.48 3.48 11 Ramgarh 138,170 458.45 454.70 60,389 618.10 609.36 3,780 293.41 276.03 6 1.01 1.01 Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra PortalAnnexure III Pradhan Mantri Mudra Yojana - State/UT wise Report (From 01.04.2022-31.03.2025) New Women Entrepreneurs/ Entrepreneurs (out Accounts (out of Total of Total) Total) No. of No. of No. of S.No. State/ U.T. Loans Loans %age Loans %age 1 Andaman and Nicobar Islands 9,621 1,654 17% 4,201 44% 2 Andhra Pradesh 4,401,955 2,114,863 48% 1,413,676 32% 3 Arunachal Pradesh 80,191 34,191 43% 26,747 33% 4 Assam 2,537,700 802,287 32% 407,952 16% 5 Bihar 25,891,721 18,166,679 70% 3,740,325 14% 6 Chandigarh 48,570 11,035 23% 16,509 34% 7 Chhattisgarh 3,166,678 2,148,994 68% 541,374 17% 8 Dadra and Nagar Haveli & Daman and Diu 16,726 4,237 25% 4,072 24% 9 Delhi 852,614 338,793 40% 240,703 28% 10 Goa 112,835 54,478 48% 46,293 41% 11 Gujarat 5,315,083 2,937,953 55% 1,364,551 26% 12 Haryana 3,114,860 1,540,057 49% 849,400 27% 13 Himachal Pradesh 408,552 104,762 26% 131,190 32% 14 Jammu and Kashmir 1,096,501 269,459 25% 737,517 67% 15 Jharkhand 5,854,181 4,321,700 74% 910,392 16% 16 Karnataka 16,994,483 11,927,204 70% 2,425,597 14% 17 Kerala 5,699,833 3,837,367 67% 1,594,395 28% 18 Ladakh 33,198 9,178 28% 21,202 64% 19 Lakshadweep 6,190 1,413 23% 923 15% 20 Madhya Pradesh 10,449,910 7,116,932 68% 2,389,877 23% 21 Maharashtra 14,996,094 11,816,347 79% 3,194,332 21% 22 Manipur 61,862 37,899 61% 31,751 51% 23 Meghalaya 91,878 34,408 37% 26,406 29% 24 Mizoram 78,586 50,751 65% 34,893 44% 25 Nagaland 68,188 27,809 41% 23,408 34% 26 Odisha 10,477,947 8,321,477 79% 1,728,825 16% 27 Pondicherry 317,481 196,001 62% 52,393 17% 28 Punjab 3,006,716 1,481,737 49% 999,857 33% 29 Rajasthan 7,834,622 4,532,406 58% 1,659,713 21% 30 Sikkim 52,280 21,081 40% 10,810 21% 31 Tamil Nadu 18,147,481 13,495,341 74% 2,905,049 16% 32 Telangana 2,723,770 1,248,428 46% 681,100 25% 33 Tripura 1,024,203 475,688 46% 94,544 9% 34 Uttar Pradesh 20,412,469 11,958,038 59% 4,390,565 22% 35 Uttarakhand 1,228,665 687,918 56% 306,879 25% 36 West Bengal 17,135,615 9,313,658 54% 1,713,509 10% Total 183,749,259 119,442,223 65% 34,720,930 19% Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra PortalAnnexure IV Pradhan Mantri Mudra Yojana - District wise Report (From 01.04.2022-31.03.2025) Women New Entrepreneurs/ Entrepreneurs (out of Accounts (out of Total Total) Total) S.No No. of No. of No. of . District Loans Loans %age Loans %age 1 Bulandshahr 452,562 168,009 37% 77,023 17% Dakshina 2 Kannada 214,985 141,100 66% 48,450 23% 3 Hazaribagh 310,292 223,950 72% 39,419 13% 4 Ramgarh 202,345 147,973 73% 20,645 10% 5 Nabarangpur 147,628 135,662 92% 38,838 26% 6 Pali 229,670 103,249 45% 49,262 21% Source: As per data uploaded by Member Lending Institurions (MLIs) on Mudra PortalAnnexure V Pradhan Mantri Mudra Yojana - Bihar Districtwise Report (From 01.04.2022-31.03.2025) Total (All Categories including Minority (out Women Entrepreneurs SC ST OBC Gen) of Total) (out of Total) S.No. District No.of Loans No.of Loans No.of Loans No.of Loans No.of Loans No.of Loans 1 Araria 84,301 28,096 416,800 953,960 172,657 563,489 2 Arwal 15,181 3,239 24,118 60,019 4,856 33,410 3 Aurangabad 101,960 21,277 160,704 443,757 28,352 284,800 4 Banka 43,850 14,192 184,836 329,822 24,066 240,869 5 Begusarai 161,340 41,779 475,055 900,811 86,483 646,625 6 Bhagalpur 62,135 22,412 289,361 591,085 69,575 350,448 7 Bhojpur 31,665 11,143 127,805 262,038 14,253 171,388 8 Buxar 45,933 10,605 130,836 249,898 14,342 174,180 9 Darbhanga 203,750 64,829 441,228 989,947 113,480 664,234 10 East champaran 178,793 57,971 656,820 1,219,679 120,336 807,837 11 Gaya 244,734 44,247 245,211 831,408 89,586 645,918 12 Gopalganj 79,953 30,441 275,763 558,360 43,895 378,114 13 Jamui 72,199 25,034 155,097 360,961 42,046 268,312 14 Jehanabad 28,188 5,701 50,254 129,299 11,047 72,468 15 Kaimur 40,667 6,532 65,902 165,532 11,109 114,354 16 Katihar 49,383 18,312 259,562 600,437 144,718 435,140 17 Khagaria 75,246 16,283 285,069 503,829 29,921 355,626 18 Kishanganj 30,344 12,336 89,218 463,789 120,274 215,402 19 Lakhisarai 20,753 5,823 93,040 173,883 6,401 131,766 20 Madhepura 53,816 17,210 302,081 581,553 48,376 358,11221 Madhubani 230,648 74,570 560,823 1,239,114 147,373 810,915 22 Munger 26,489 7,000 110,719 223,143 16,468 151,013 23 Muzaffarpur 265,117 71,713 639,126 1,352,108 133,112 917,495 24 Nalanda 81,481 14,669 105,571 316,535 26,425 203,831 25 Nawada 105,500 22,332 130,778 365,070 42,898 257,957 26 Patna 203,616 44,434 597,203 1,352,804 80,503 912,141 27 Purnia 57,220 20,138 323,741 777,513 109,698 442,975 28 Rohtas 120,867 27,939 193,642 462,069 38,083 351,686 29 Saharsa 60,889 17,790 193,110 406,881 32,238 271,682 30 Samastipur 314,648 75,442 592,298 1,355,137 88,502 872,587 31 Saran 134,639 39,700 445,517 869,270 46,237 561,458 32 Sheikhpura 23,409 5,671 39,818 100,110 3,224 64,211 33 Sheohar 33,108 12,057 64,315 146,103 16,006 111,720 34 Sitamarhi 166,880 40,766 423,453 884,805 103,775 552,564 35 Siwan 84,939 31,847 310,613 635,822 53,127 421,678 36 Supaul 50,151 11,658 247,697 467,802 46,356 285,104 37 Vaishali 242,361 63,451 398,512 965,340 45,644 694,891 38 West champaran 108,421 34,115 423,084 763,474 73,994 558,716 39 Other # 2,486 210 249 2,838,554 759 2,811,563 Total 3,937,060 1,072,964 10,529,029 25,891,721 2,300,195 18,166,679 # District-wise data for some of the NBFCs/ MFIs is not available Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra PortalAnnexure VI Pradhan Mantri Mudra Yojana - Non-Performing Assets % against % against % against Category disbursement as on disbursement as on disbursement as on 31.03.2023 31.03.2024 31.03.2025 Shishu 1.48 1.17 1.5 Kishor 3.34 2.66 2.49 Tarun 2.54 2.19 2.1 Tarun - - 0.29 Plus* * Implemented w.e.f October, 2024 Source: As per data uploaded by Member Lending Institutions (MLIs) on Mudra Portal *****