An RTI enquiry revealed that bad loans under the Pradhan Mantri MUDRA Yojana for all banks since the launch of the scheme, added up to Rs 46,053.39 crore as on June 30, 2022. This is just 3.38 per cent of the total disbursements of Rs 13.64 lakh crore under the scheme during the period.



  • The data obtained under the Right to Information Act revealed that non-performing assets (NPAs) of banks for Mudra loans – including those extended during the Covid-19 pandemic are lower than the average NPAs of the sector as a whole.
  • The gross NPAs of the banking sector as a whole stood at 5.97 per cent for the year-ending March 31, 2022.
    • A non-performing asset (NPA) is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days.
  • The NPAs for Shishu loans were the lowest at 2.25 per cent of disbursements and the highest for Kishore loans at 4.49 per cent. For Tarun loans bad loans were 2.29 per cent of disbursements.


What is the scheme?

  • It is a flagship scheme of the Ministry of Finance launched on 8th April, 2015.
  • It is a Financial Inclusion (FI) programme in the country based on three pillars – Banking the Unbanked, Securing the Unsecured and Funding the Unfunded.


Types of loans

  • Shishu — Covering loans up to Rs 50,000;
  • Kishor — Covering loans above Rs 50,000 and up to Rs 5 lakh;
  • Tarun — Covering loans above Rs 5 lakh and up to Rs 10 lakh.



  • Any Indian Citizen who has a business plan for a non-farm sector income generating activities such as manufacturing, processing, trading or service sector.
  • They can avail from all Public Sector Banks, Regional Rural Banks and Cooperative Banks, Private Sector Banks, Foreign Banks, Micro Finance Institutions (MFI) and Non-Banking Finance Companies (NBFC) up to Rs 10 lakhs Micro Units Development & Refinance Agency Ltd. (MUDRA) loans under PMMY.