Question : MUDRA Loans in Chhattisgarh

(a) thedetails of loans provided under the ‘Pradhan Mantri Mudra Yojana’ (PMMY) during the last five years, State/year-wise including Chhattisgarh;
(b) the details of loan provided to women beneficiaries under PMMY in infant, teenage and adult categories;
(c) whether the number of women beneficiaries is less than the men beneficiaries;
(d) whether any steps have been taken by the Government to address the imbalance and if so, the details thereof and if not, the reasons therefor; and
(e) whether many loan applications under the said yojana have been rejected by banks on pretext of noncompliance of the due procedure in Chhattisgarh and if so, the details thereof along with the corrective steps taken by the Government in this regard?

MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI ANURAG SINGH THAKUR)
(a) to (d) Under Pradhan Mantri Mudra Yojana (PMMY) institutional credit up to Rs. 10 lakh is provided for entrepreneurial activities to micro/small business units by Member Lending Institutions (MLIs) viz. Scheduled Commercial Banks (SCBs), Regional Rural Banks (RRBs), Non-Banking Financial Companies (NBFCs) and Micro Finance Institutions (MFIs).

As informed by MLIs, as on 01.01.2021, over 27.08 crore loans amounting to Rs. 13.90 lakh crore have been sanctioned under PMMY, since its inception. Of these, more than 18.40 crore loans have been extended to Women entrepreneurs, which amounts to 68% of the total number of loans.

State/Union Territory wise details of loans under PMMY during the last five years, including Chhattisgarh, are given in Annexure.

The details of loans provided to Women entrepreneurs under PMMY in Shishu (loans up to Rs. 50,000), Kishore (loans from Rs. 50,001 to Rs. 5 lakh), and Tarun (loans from Rs. 5 lakh to Rs. 10 lakh), as on 01.01.2021, are tabulated below.



Category No. of Accounts Sanctioned Amount (in Rs. crore)
Shishu 17,20,22,776 4,61,541.44
Kishore 1,06,47,188 1,10,034.28
Tarun 14,03,250 36,277.28
Total 18,40,73,214 6,07,853.01


(e) As on 31.03.2020, over 49.49 lakh loans involving a sanctioned amount of Rs. 23,259.31 crore have beenextended by MLIs in Chhattisgarh since inception of the Scheme. Details of loan applications rejected by various MLIs are not maintained centrally.
Loans under the scheme are extended by MLIs as per commercial parameters and are based, inter-alia, on viability of project and on assessment of repayment capacity of the borrower, their Board-approved policy and extant Reserve Bank of India (RBI) guidelines in this regard. Any complaints received in respect of implementation of PMMY including turning down of loan applications are redressed in coordination with the respective banks.
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