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50,001 to Rs. 5 lakh) and Tarun (loans from Rs. 5 lakh to Rs. 10 lakh) are ANNEXED. Listing out a number of studies undertaken to evaluate the impact of PMMY, the Minister stated :-
- An independent assessment of PMMY was undertaken by ‘”MicroSave”, a financial inclusion consulting firm in 2016-17. The key findings, inter-alia, include:-
- No requirement of a guarantor or collateral, simple documentation and quick processing, and proactive approach of lenders make PMMY loans attractive to borrowers;
- PMMY loans have helped borrowers to enhance scope and profit of business; and
- Shishu loans have helped to unlock the business potential of small shop owners and vendors by meeting their working capital requirement.
- IFMR Finance Foundation (IFF) also conducted a study in 2016-17 to understand the impact of PMMY. The key findings of the study, inter-alia, are:
- PMMY has led to significant growth in bank credit to MSMEs, particularly loans below Rs. 2 lakh. Micro Finance Institutions (MFIs) are working with banks to increase reach of loans below Rs. 2 lakh;
- Average size of loans given by banks in Shishu category has increased significantly (about 50%) in 2016-17. Data suggests that existing clients are likely to get larger loans. For MFIs, increase in loan size in Kishore category has been observed;
- PSBs and RRBs have better awareness of key features of PMMY loans; and
- Banks have significantly liberalised criteria to reach out to more borrowers.
- 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.