Review of performance of Pradhan Mantri Mudra Yojana

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1 Review of performance of Pradhan Mantri Mudra Yojana (An analysis on the performance of PMMY during FY ) hetbpeer meheàuelee keàer kegbàpeer

2 2 MUDRA/PMMY Micro Units Development & Refinance Agency Limited (MUDRA) and Pradhan Mantri MUDRA Yojana (PMMY) were launched on 08 April 2015 by the Hon ble Prime Minister, Shri Narendra Modi. The guidelines of PMMY issued by Department of Financial Services (DFS), GOI indicated that all banks are required to lend to micro enterprises engaged in manufacturing, processing, trading and service sector activities, for a loan upto ` 10 lakh. Further, it was also advised that the loan may be given in three categories, i.e. Loan upto ` 50,000 under Shishu; ` 50,000 to ` 5 lakh under Kishor; and ` 5 lakh to ` 10 lakh under Tarun. Also, it was envisaged that more focus will have to be given for the Shishu category. A target of ` 1,22,188 crore was set for F.Y It was decided that MUDRA will monitor the progress of PMMY. The National Bank for Agriculture & Rural Development (NABARD) was also advised to closely monitor the progress of RRBs, as RRBs are under supervisory domain of NABARD. In order to make the monitoring more effective, a dedicated portal in was put in place to capture the data on the performance under PMMY on a weekly basis to have consolidated data of nationwide disaggregated retail transactions details, including data on new entrepreneurs, women entrepreneurs, SC/ST, Minority, MUDRA card etc. The data so collected was analyzed and reported to GOI. The progress was closely followed up with the banks for improvement, if any. A team of officers at Mission Mudra was constituted and placed with DFS for an overall supervision and follow up of the programme on behalf of GOI. Subsequently, it was also decided that the MUDRA loans given by MFIs also needs to be captured as most of the MFIs are MUDRA partners. Accordingly, MFIN was given the responsibility for following up with the NBFC- MFI and getting their data on the portal. Similarly, Sa-Dhan was made responsible for collecting the data and onboarding the same for the non NBFC MFIs. In order to give a boost to the lending under PMMY, especially for Shishu category loans, a credit campaign was carried out from 1stSeptember 2015 to 2 nd October The campaign culminated in mega credit camps in different locations in the country from 25 th September 2015 to 02 nd October In order to enhance the awareness of the programme, MUDRA carried out a month long publicity campaign, on behalf of DFS, through print media and Radio. The credit campaign resulted in lending to lakh borrowers as against a target of 25 lakh borrowers and lent ` 4120 crore. With all these efforts, the target set under PMMY for the year was surpassed by the end of the year. A brief analysis of the performance is given on the next page:

3 Review of performance of PMMY during The data collected through portal has been analyzed and some of the salient features are as under: 1. Overall Achievement vis a vis target The overall performance of the Yojana indicates that the target has been achieved during the year. As against the target of ` crore, the Banks and MFIs together have disbursed ` crore, thereby achieving 109%. The achievements by Public Sector Banks indicate a substantial credit growth in this segment. Based on the data collected from the PSBs, it was seen that the disbursement by these banks in this segment was around ` 33,000 crore during the which has recorded a growth of 70% during The other lending institutions have also achieved high credit growth in this segment due to the initiative of Pradhan Mantri MUDRA Yojana. 3

4 2. Regional coverage Region wise performance by banks (No. of accounts) Category North West East South Total Shishu Kishor Tarun Total % Share 26% 21% 21% 32% 100% North: Chandigarh, Haryana, HP, J&K, Delhi, UP, Uttarakhand, Punjab and Rajasthan West: Dadra & Nagar Haveli, D&Diu, Gujarat, Lakshadweep, MP, Maharashtra East: NE States, Odisha, WB, Sikkim, Bihar and Jharkhand South: Karnataka, Kerala, Pudicherry, TN, Telangana, AP, and Andaman & Nicobar All Banks - Performance regionwise (No. of A/c) South East West North Tarun Kishore Shishu The regional coverage of the programme indicates that all the four regions had wide coverage, although there had been an edge for the Southern region. The other three regions were almost at par to each other. 4

5 Region wise performance by banks (Amount Disbursed) Amt in ` Cr Category North West East South Total Shishu Kishor Tarun Total % Share 26% 21% 17% 36% 100% Average Disbursed/ account (` in Thousand) All Banks - Disbursement regionwise (Amt in ` Cr) South East West North Tarun Kishore Shishu As regards the amount disbursed, North and West regions were at par with that of the number of accounts financed, under the Yojana. However, the Southern region had a larger share in the amount disbursed by banks. The per account average amount disbursed also showed a similar pattern. 5

6 Region wise performance Banks and MFIs (No. of accounts) Category North West East South Total Shishu Kishor Tarun Total % Share 20% 22% 25% 33% 100% All Banks - Performance regionwise (No. of A/c) South East West North Tarun Kishore Shishu 6

7 Region wise Performance Banks & MFIs (Amount Disbursed) Amt in ` Cr Category North West East South Total Shishu Kishor Tarun Total % Share 23% 22% 19% 35% 100% Average Amount Disbursed/ Account (` in thousand) All - Disbursement regionwise (Amt in Rs. Cr) South East West North Tarun Kishore Shishu The data indicate that the MFI has contributed substantially to the number of accounts financed under the Yojana. However, due to the smaller amount disbursed by them, it has steeply brought down the per capita average loan under the programme, with an average of `38000/ account, as against `79000/account in case of Bank Accounts. But MFIs have contributed substantially in the financing of Shishu category loans. 7

8 3. Individual Bank wise performance in terms of disbursement of loan: The State Bank of India with ` crore stands out among all the banks in lending under PMMY. It is followed by Canara Bank with ` crore and Punjab National Bank with ` crore. Among the Private Sector Banks, HDFC Bank with ` crore tops the list, followed by ` crore by ICICI Bank, ` crore by Indus Ind Bank, and ` crore by Axis Bank. As regards RRBs, Uttar Bihar Gramin Bank with ` crore had the highest lending under PMMY, followed by Karnataka Vikas Gramin Bank at ` crore and ` crore by Pragathi Krishna Gramin Bank at crore. 4. Financing for New entrepreneurs MUDRA loan is meant for funding the unfunded. It is available for both new units and expansion of existing units. The data of new entrepreneurs supported under PMMY, indicate that out of 3.49 crore accounts financed during the year, 1.25 crore accounts were for new entrepreneurs, which work out to 36%. Bank Type New Entrepreneurs No. of A/c Disbursement Amt in ` Cr Public Sector Bank Private Sector Bank and Foreign Bank Regional Rural Bank NBFC -MFI Non NBFC-MFI Total

9 New Entrepreneurs - No. of A/c Public Sector Bank Regoinal Rural Bank Non NBFC-MFI Private Sector Bank and Foreign Bank NBFC -MFI New Entrepreneurs - Disbursement Amt in Rs. Cr Public Sector Bank Regoinal Rural Bank Non NBFC-MFI Private Sector Bank and Foreign Bank NBFC -MFI 9

10 5. Financing of Women Providing financial support to women entrepreneurs was one of the main objectives of PMMY. The data indicate that 2.76 crore women were funded out of the total number of 3.48 crore accounts, which is a whopping79%. MFIs contributed significantly for the financing women under PMMY. Bank Type Women Entrepreneurs No. of A/c Disbursement Amt in ` Cr Public Sector Bank Private Sector Bank and Foreign Bank Regional Rural Bank NBFC -MFI Non NBFC-MFI Total

11 Women Entrepreneurs - No. of A/c Public Sector Bank Regoinal Rural Bank Non NBFC-MFI Private Sector Bank and Foreign Bank NBFC -MFI Women Entrepreneurs - Disbursement in Rs. cr Public Sector Bank Regoinal Rural Bank Non NBFC-MFI Private Sector Bank and Foreign Bank NBFC -MFI 11

12 6. Share of SC/ST/OBC The NSSO survey of 2013 indicated that more than 60% of the micro enterprise units belonged to weaker sections. The data obtained under PMMY shows that 1.84 crore accounts financed by all the agencies under PMMY was for SC/ST/OBC categories, which is nearly 53% of the accounts financed. PMMY Categorywise Bank type No. of A/c SC ST OBC Disbursement Amt in ` Cr No. of A/c Disbursement Amt in ` Cr No. of A/c Disbursement Amt in ` Cr Public Sector Bank Private Sector Bank and Foreign Bank Regional Rural Bank NBFC -MFI Non NBFC-MFI Total

13 PMMY - Categorywise SC ST OBC No. of A/c No. of A/c No. of A/c Series6 NBFC -MFI Private Sector Bank and Foreign Bank Non NBFC-MFI Regoinal Rural Bank Public Sector Bank PMMY - Categorywise SC ST OBC Disbursement in Rs. Cr Disbursement in Rs. Cr Disbursement in Rs. Cr Non NBFC-MFI Regoinal Rural Bank Public Sector Bank NBFC -MFI Private Sector Bank and Foreign Bank 13

14 7. Loans to Minority The loans provided by Banks and MFIs under PMMY for minorities indicate that lakh accounts were of minorities, which is nearly 12%. Bank Type No. of A/c Minority Disbursement Amt in ` Cr Public Sector Bank Private Sector Bank and Foreign Bank Regional Rural Bank NBFC -MFI Non NBFC-MFI Total

15 Minority - No. of A/c Public Sector Bank Regoinal Rural Bank Non NBFC-MFI Private Sector Bank and Foreign Bank NBFC -MFI Minority - Disbursement Amt in Rs. Cr Public Sector Bank Regoinal Rural Bank Non NBFC-MFI Private Sector Bank and Foreign Bank NBFC -MFI 15

16 8. OD against PMJDY account Among the loanees availing of financial assistance under PMMY included lakh O/D facilities against their PMJDY accounts. The amount disbursed under this arrangement was to the tune of ` crore, the average per account works out to be ` PMMY - PMJDY OD Accounts Bank Type Amt in ` Cr PMJDY OD Account Public Sector Bank Private Sector Bank and Foreign Bank 0.1 Regoinal Rural Bank 46.3 Total PMJDY OD Account Public Sector Bank Private Sector Bank and Foreign Bank Regoinal Rural Bank 16

17 9. Disbursement through MUDRA card MUDRA Card is an innovative product introduced during the year to take care of the frequent and flexible credit needs of small borrowers. The card is issued as a Debit card on RuPay platform and can be used for drawl of funds and also repayment as and when there is surplus, so that the loan amount can be managed judiciously. The card was introduced during the year which was adopted by most of the PSBs, RRBs and a few Private Sector Banks too. The total number of card issued during the year was at 5.17 lakh for an amount of ` cr. An amount of ` crore was withdrawn by the borrowers. The average amount of MUDRA card works out to ` per card. MUDRA Cards Amt in ` Cr Bank Type MUDRA cards Public Sector Bank Private Sector Bank and Foreign Bank 0 Regional Rural Bank Total Mudra card Public Sector Bank Private Sector Bank and Foreign Bank Regoinal Rural Bank 17

18 10. Target for FY Government of India has set a target of ` 1,80,000 crore for FY to SBI & Associates, Public Sector Banks, Private Sector Banks, Foreign Banks, Regional Rural Banks, NBFC-MFIs and Non-NBFC MFIs as per the details given below: Sr. No. Type of the institution Target Amount in ` crore 1 Public Sector Banks 77,700 2 Private Sector Banks & Foreign Banks 21,000 3 Regional Rural Banks 15,000 4 NBFC MFIs 64,240 5 Non NBFC MFIs 2,060 Total 1,80,000 18

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