PMMY Disburses Over ₹33 Lakh Crore in Loans: 68% Beneficiaries Are Women

In a recent address at the valedictory ceremony, Union Minister of State for Finance Mr. Pankaj Chaudhary highlighted the substantial impact of the Pradhan Mantri Mudra Yojana (PMMY) over the past decade.

Since its launch, PMMY has noted the disbursement of over ₹33 lakh crore (approximately US$ 383.28 billion) in collateral-free loans to over 52 crore individuals, giving a major boost to entrepreneurship across the country. These loans, ranging from ₹50,000 (US$ 580) to ₹20 lakh (US$ 23,230), have played a pivotal role in enabling small businesses and self-employment ventures to take root and thrive.

Rising Women Entrepreneurs

What’s even more encouraging is the strong participation of women—68% of PMMY beneficiaries are women entrepreneurs, reflecting a significant shift toward inclusive economic growth and increased female-led enterprise in India.

Mr. Chaudhary also shed light on the government’s ongoing investment in infrastructure development. Over the past ten years, a consistent increase in the infrastructure budget has led to tangible improvements in both urban and rural areas, helping lay the groundwork for sustained growth.

10 Years of Pradhan Mantri Mudra Yojana (PMMY)

On April 8, 2025, the nation marked the 10th anniversary of the Pradhan Mantri MUDRA Yojana (PMMY). Over the past decade, the scheme has played a crucial role in dismantling traditional credit barriers.

As per an SBI report, 50% of Mudra accounts are held by entrepreneurs from SC, ST, and OBC communities, significantly enhancing access to formal financing. Additionally, 11% of the beneficiaries belong to minority communities, highlighting PMMY’s role in promoting inclusive growth and empowering marginalized groups to actively engage in the formal economy.

Since its inception, PMMY has enabled the creation of over 52 crore loan accounts, reflecting a consistent rise in entrepreneurial activity. Notably, the proportion of Kishor loans (₹50,000 to ₹5 lakh) has surged from 5.9% in FY16 to 44.7% in FY25.

Also Read: PM Mudra Yojana: Trends and Analysis of the Past 10 Years

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