As per the extant guidelines, any individual who is otherwise eligible to take loan and has a business plan for non-farm income generating activities in sectors such as manufacturing, trading, services and activities allied to agriculture and whose credit need is up to ₹ 10 lakh is eligible to avail credit under the Pradhan Mantri Mudra Yojana (PMMY). This was stated by Union Minister of State for Finance Dr Bhagwat Kisanrao Karad in a written reply to a question in Rajya Sabha.

The Minister stated details of loans provided under the Scheme in the last four financial years as tabulated below:-

Financial Year	No. of A/Cs (in crore)	Sanctioned Amt. (in Rs. Lakh crore)
2017-18	4.81	2.54
2018-19	5.99	3.22
2019-20	6.22	3.37
2020-21	5.07	3.22
TOTAL	22.09	12.35

The Minister further stated that Ministry of Labour and Employment (MoLE) has conducted a large sample survey at the national level to estimate employment generation under PMMY. As per the survey results, PMMY helped in generation of 1.12 crore net additional employment during a period of approximately 3 years (i.e. from 2015 to 2018). At an overall level, Shishu category of loan has about 66% of share among additional employment generated by establishments owned by MUDRA beneficiaries followed by Kishore (19%) and Tarun (15%) categories respectively. However, data on employment opportunities created under the PMMY Scheme is not Centrally maintained, the Minister added.

Giving more details, the Minister stated that as per data uploaded by Member Lending Institutions (MLIs) on Mudra portal, as on 26.11.2021, number of PMMY loans extended across the country, including SC, ST, Minority and Women Entrepreneurs is as follows:-

	No. of A/Cs (in crore)
General	15.71
SC	5.48
ST	1.83
OBC	9.1
All India Total	32.11
out of above
Minorities	3.46
Women entrepreneurs	21.74

 

Loan eligibility under PMMY: credit for non farm microenterprises enables broad outreach and targeted support for disadvantaged entrepreneurs. The press release states that Pradhan Mantri Mudra Yojana (PMMY) makes credit available to eligible individuals with a business plan for non-farm income-generating activities up to the Scheme's ceiling; it provides aggregated four-year figures for accounts and sanctioned amounts uploaded by Member Lending Institutions, summarizes a national survey attributing net additional employment to PMMY with employment shares across Shishu, Kishore and Tarun categories, and notes outreach to social groups and women entrepreneurs while indicating that employment data are not centrally maintained.