(a) Since inception of the Scheme, over 19 crore loans have been extended under Pradhan Mantri Mudra Yojana (PMMY) as on 21.06.2019. As per information compiled from Public Sector Banks (PSBs), instances of alleged frauds reported during the last three years and the current year so far is in 2313 accounts. State-wise details including Jharkhand State is at Annexure. Of these, 2 accounts pertain to Jharkhand.
(b) Examination/investigation has been initiated in all cases to ascertain lapses and fixing of accountability. Out of 103 delinquent employees identified, action has been taken on 68 as per extant guidelines.
Pradhan Mantri Mudra Yojana State/UT-Wise No of Accounts in Which Fraud Reported
(c) to (e) As reported by member lending institutions, the total Non-Performing Assets (NPAs) as a percentage of credit disbursed has shown a nominal increase from 2.52% (FY 2017-18) to 2.68% (FY 2018-19 (provisional)). NPAs under Shishu category has shown a steady decline from 4.14 % in FY 2016-17 to 1.93% in FY 2017-18 and 1.29% (provisional) in FY 2018-19 against the total credit disbursed under the scheme. Furthermore, PSBs periodically monitor NPAs for recovery of overdue amounts and follow recovery procedures as per policies approved by their Boards and in compliance of extant Reserve Bank of India (RBI) guidelines.
| Annexure referred to in Lok Sabha Starred Question No 138 for answer 01.07.2019 |
|||||
| State/UT-wise no of accounts in which fraud reported under PMMY during last three year and current year. |
|||||
|
State
|
2016-17 | 2017-18 | 2018-19 |
2019-20
(as
on date) |
Total |
|
No.
of
Accounts
|
No.
of
Accounts
|
No.
of
Accounts
|
No.
of
Accounts
|
No.
of
Accounts
|
|
| Andhra Pradesh |
6
|
29
|
206
|
0
|
241
|
| Bihar |
0
|
0
|
1
|
37
|
38
|
| Gujarat |
0
|
5
|
22
|
0
|
27
|
| Haryana |
24
|
1
|
19
|
0
|
44
|
| Delhi |
1
|
65
|
0
|
0
|
66
|
| Punjab |
0
|
0
|
201
|
0
|
201
|
| Maharashtra |
6
|
46
|
73
|
30
|
155
|
| Madhya Pradesh |
0
|
0
|
17
|
0
|
17
|
| Assam |
0
|
0
|
3
|
0
|
3
|
| Uttar Pradesh |
135
|
39
|
34
|
5
|
213
|
| Tamilnadu |
0
|
67
|
276
|
1
|
344
|
| Telangana |
0
|
50
|
13
|
1
|
64
|
| Karnataka |
0
|
16
|
1
|
0
|
17
|
| Himanchal Pradesh |
0
|
0
|
0
|
0
|
0
|
| Jharkhand |
0
|
2
|
0
|
0
|
2
|
| Rajasthan |
0
|
71
|
123
|
0
|
194
|
| West Bengal |
167
|
18
|
1
|
0
|
186
|
| Odisha |
0
|
201
|
0
|
201
|
|
| Kerala |
1
|
10
|
1
|
0
|
12
|
| Chandigarh |
0
|
224
|
51
|
0
|
275
|
| Chhatisgarh |
3
|
0
|
8
|
0
|
11
|
| Uttrakhand |
0
|
0
|
2
|
0
|
2
|
|
Total
|
343
|
643
|
1253 |
74
|
2313 |
138 DR. NISHIKANT DUBEY
SHRI KODIKUNNILSURESH
Will the Minister of FINANCE be pleased to state:
- a) the details of the irregularities/frauds reported under Pradhan Mantri MUDRA yojana (PMMY) in the country during each of the last three years and the current year, State/UT–wise including district-wise details of Jharkhand State;
- (b) the details of inquiries initiated and responsibilities fixed by the Government in this regard till date;
- (c) whether the cases of Non-Performing Assets (NPA) under the PMMY are increasing in the country and if so, the action taken to ascertain the situation and remedial measures implemented;
- (d) whether out of the three categories of the PMMY, it is Shishu accounts or small borrowerswhich forms higher NPA chunk; and
- (e) If so, the details thereof along with remedial steps taken by the Government including investigations carried out to find out possibility of irregularities in loan disbursal under Shishu category to rule out malfeasance?
(a) to (e) A statement is laid on the Table of the House.
STATEMENT REFERRED IN REPLY TO THE LOK SABHA STARRED QUESTION NO.
138 TO BE ANSWERED ON 01st JULY, 2019 BY DR NISHIKANT DUBEY AND SHRI KODIKUNNIL SURESH REAARDINA IRREAULARITIES UNDER MUDRA YOJANA