Question : MUDRA Loan to MSME Sector

(a) the details of Mudra loan to MSMEs, SHGs and village level entrepreneurs during the last four years since 2017, year/State-wise;

(b) the details of employment opportunities created under Mudra loan in MSMEs, SHGs and village level entrepreneurs during the last four years, year-wise;

(c) the number of beneficiaries from SC/ST/OBC/minority/women therein; and

(d) the steps being taken by the Government to increase village level entrepreneurs thereof?

Answer given by the minister

MINISTER OF MICRO, SMALL AND MEDIUM ENTERPRISES
(SHRI NARAYAN RANE)

(a): Pradhan Mantri Mudra Yojana (PMMY) is administered by Department of Financial Services (DFS), Ministry of Finance. As reported by Department of Financial Services, the details of year-wise/State-wise loans extended under PMMY to MSMEs, SHGs and village level entrepreneurs, since 2017, are at Annexure I.

(b): As reported by DFS, data on employment opportunities created under the PMMY Scheme is not centrally maintained. However, Ministry of Labour & Employment in Government of India has conducted a large sample survey at the national level to estimate employment generation under PMMY which reveals that the scheme helped in generation of 1.12 crore net additional employment during the period from 2015 to 2018.

(c): As per the data uploaded by the Member Lending Institutions on Mudra portal, the number of PMMY loans extended across the country, since inception of the scheme, including beneficiaries from SC/ST/OBC/minority/women is as given below:


Borrower (types) No. of loan accounts (in crore)
General 15.89
SC 5.56
ST 1.86
OBC 9.22
All India Total 32.53
Out of All India Total
Minorities 3.50
Women entrepreneurs 21.99
Source- Source: DFS, M/o Finance


(d): Ministry of MSME implements Prime Minister’s Employment Generation programme (PMEGP) and Scheme of Fund for Regeneration of Traditional Industries (SFURTI) through Khadi and Village Industries Commission. PMEGP focuses on generating employment in the country by setting up of micro-enterprises in the non-farm sector and SFURTI is meant to organize traditional industries and artisans into clusters to make their products competitive and provide the artisans with sustainable employment. Khadi and Village Industries Commission (KVIC) is also playing a pivotal role to promote Khadi and Village Industries in the different States through the implementation of Khadi Vikas Yojana (KVY), Gramodyog Vikas Yojana (GVY). In addition to this, Ministry of MSME implements various other schemes and programmes for growth and development of MSME Sector in the country such as Credit Guarantee Scheme for Micro and Small Enterprises, Micro and Small Enterprises Cluster Development Programme (MSE-CDP) etc. The benefits of the said schemes are also available to the enterprises located in rural areas.

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