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Pradhan Mantri Mudra Yojana 2025: The Pradhan Mantri MUDRA Yojana (PMMY) completes a decade today, Tuesday, April 8, 2025. The scheme was first launched in April 2015 to provide collateral-free credit to micro-entrepreneurs, boosting self-employment and financial inclusion.
The PMMY offers collateral-free loans of up to Rs 10 lakh to non-corporate, non-farm small and micro enterprises to support a wide range of income-generating activities in diverse industries like manufacturing, trading, and services, in addition to, allied agricultural ventures like dairy, poultry, and bee-keeping.
OPINION: MUDRA 2.0 loans should target greater equity, deepen financial literacy
According to the latest PIB press release, Pradhan Mantri Mudra Yojana (PMMY) has notably sanctioned over 52 crore loans worth ₹32.61 lakh crore, with women accounting for 68 per cent of all Mudra beneficiaries.
| Rank | State | PM Mudra Loan Disbursements (in Rs, Lakh Crore) |
| 1 | Tamil Nadu | 3.23 |
| 2 | Uttar Pradesh | 3.14 |
| 3 | Karnataka | 3.02 |
| 4 | West Bengal | 2.82 |
| 5 | Bihar | 2.81 |
| 6 | Maharashtra | 2.74 |
Source: PIB | Note: The data is as of February 28, 2025
Following the Pradhan Mantri Mudra Yojana’s commencement in 2015, Tamil Nadu has received the largest disbursement among states (₹3,23,647.76 crore as of February 28, 2025).
Uttar Pradesh follows with ₹3,14,360.86 crore, and Karnataka ranks third with ₹3,02,146.41 crore.
Furthermore, West Bengal and Bihar were granted substantial disbursals of ₹2,82,322.94 crore and ₹2,81,943.31 crore, respectively.
Maharashtra ranked sixth with ₹2,74,402.02 crore, highlighting the scheme’s widespread influence across key states over the last decade, meanwhile, Jammu and Kashmir had the highest loan disbursement among Union Territories, with ₹45,815.92 crore over 21,33,342 accounts.
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