The non -performing asset (NPA) ratio for loans given under the Pradhan Mantri Mudra Yojana (PMMY) for planned commercial banks was 9.81% from March 2025, according to data on the government.
The demand for small business loans under Pradhan Mantri Mudra Yojana (PMMY) has increased considerably with an average ticket size of £ 28,699.
According to the available data at the Department of Financial Services, the loans under the Shishu category 79 percent of the total loans that are punished under the Loans Loans scheme of the center are punished. Total loans worth £ 5.52 Lakh Crore were paid in the last financial year.
“This has been an encouraging trend because the income generation activities helps at the basic level. The small companies for which the loans are being sought are two-wheelers, including bicycle repair workshops, flower factories and pan stores, and the repair of electrical appliances, especially in rural areas, ” a senior Mudra official told are line.
About 10 crore people are self -employed by these loans. Many of these units are own/ separate ownership or own companies of their own account that are generally called the sector without business small companies, the officer said.
Launched in April 2015 for the financing of income-generating small business companies in production, commercial and service sectors, including activities that are supplied to agriculture, such as poultry, dairy products, beekeeping, etc. Both loan and working capital requirements can be met under PMMy-FINANS, Submary Banks, Bankieren, Bankieren, Bankieren, Bankieren, Bankieren, Banking, Submary Banks, Submary Banks, Submary Banks, Submary Banks, Submant Fining, Submary Fining, Banking Bankings, Banking Banks, Banks, Banks, Banks, Banks. (MFLs).
The categories of loans are Shishu, for loans of a maximum of £ 50,000; Kishore, for loans above £ 50,000 and a maximum of £ 5 lakh; and Tarun, for loans above £ 5 lakh and up to £ 10 lakh. Another variant, Tarun-Plus, for loans above £ 10 Lakh and up to £ 20 Lakh was introduced last year.
Asset quality
The non -performing asset (NPA) ratio for loans given under the Pradhan Mantri Mudra Yojana (PMMY) for planned commercial banks was 9.81 percent from March 2025, according to government data.
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Published on September 7, 2025
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