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प्रधानमंत्री मुद्रा योजना (PMMY)
दावा
संदर्भ अधूरा
डिलीवरी
पूरा हुआ
जिस तरीक़े से वादा ख़ुद गिनता है, उस पर लक्ष्य पार हो गया। वित्त मंत्रालय ने 3 अगस्त 2026 को संसद को बताया कि ‘योजना शुरू होने से अब तक प्रधानमंत्री मुद्रा योजना के अंतर्गत 59.14 करोड़ से अधिक ऋण स्वीकृत/वितरित हुए हैं।’ ध्यान देने वाला शब्द है ऋण। घोषणापत्र का ‘17 करोड़ उद्यमी’ वाला आधार भी ऋणों की गिनती था, अलग-अलग उधारकर्ताओं की नहीं, और जो व्यक्ति शिशु ऋण लेकर चुकाता है और फिर किशोर ऋण लेता है, वह दो बार गिना जाता है। मुद्रा के अद्वितीय उधारकर्ताओं का कोई प्रकाशित आँकड़ा नहीं है, इसलिए 59.14 करोड़ कितने लोगों को दर्शाता है यह ज्ञात नहीं। सरकार जो एकमात्र परिणाम-अनुमान देती है वह 2018 का श्रम मंत्रालय सर्वेक्षण है, जो योजना के पहले तीन वर्षों में 1.12 करोड़ शुद्ध अतिरिक्त रोज़गार आँकता है।
“प्रधानमंत्री मुद्रा योजना के तहत 17 करोड़ से अधिक उद्यमियों ने ऋण लिया है। हम इस पहल को और आगे बढ़ाकर मुद्रा ऋण के लाभार्थियों की संख्या 30 करोड़ तक ले जाएँगे।”कोई कैग निष्पादन लेखापरीक्षा प्रकाशित नहीं
इस योजना पर कैग की कोई निष्पादन लेखापरीक्षा प्रकाशित नहीं हुई है। लेखापरीक्षा का न होना इस बात का प्रमाण नहीं है कि दावा सही है या ग़लत।
प्रधानमंत्री मुद्रा योजना की कोई कैग निष्पादन लेखापरीक्षा संसद में नहीं रखी गई है। सरकार जिन दो मूल्यांकनों का हवाला देती है वे उसके अपने हैं — 2018 में श्रम एवं रोज़गार मंत्रालय का सर्वेक्षण और नवंबर 2023 में नीति आयोग का मूल्यांकन।
कोई लेखापरीक्षा अवधि नहीं — इस योजना पर कैग की कोई निष्पादन लेखापरीक्षा प्रकाशित नहीं हुई।
More than 59.14 crore loans sanctioned or disbursed under PMMY as on June 2026
यह आँकड़ा ऋणों की गिनती है, उधारकर्ताओं की नहीं। सरकार का अपना परिणाम-साक्ष्य 2018 का एक सर्वेक्षण है जो 2015 से 2018 के बीच 1.12 करोड़ शुद्ध अतिरिक्त रोज़गार आँकता है, और नवंबर 2023 का नीति आयोग मूल्यांकन, जो गुणात्मक निष्कर्ष देता है — सूक्ष्म ऋण तक आसान पहुँच, पहली बार के उद्यमियों का बड़ी ऋण श्रेणियों में बढ़ना — बिना किसी परिमाणित प्रभाव के।
Lok Sabha Unstarred Question No. 2466, PM Mudra Yojana — answer by the Ministry of Finance
The 2019 manifesto's promise on micro-credit comes with its own baseline, which turns out to be the most useful part of it: "More than 17 crore entrepreneurs have availed loans under the Pradhan Mantri Mudra Yojana. We will expand this initiative further to take the number of beneficiaries of Mudra loans up to 30 crore."
The Ministry of Finance gave the current figure to the Lok Sabha on 3 August 2026: "As on June, 2026, more than 59.14 crore loans, have been sanctioned/disbursed under the Pradhan Mantri Mudra Yojana (PMMY), since launch of the Scheme." On the promise's own arithmetic that is nearly twice the target, reached comfortably within the term.
The word doing the work is loans. The manifesto called the same quantity "17 crore entrepreneurs" and then "beneficiaries", but the number it was quoting was the cumulative count of loans sanctioned since 2015 — the scheme has always reported that way. A Mudra borrower who takes a ₹40,000 Shishu loan, repays it and comes back for a ₹3 lakh Kishore loan appears twice; graduating borrowers to larger categories is something the scheme is designed to do and takes credit for. NITI Aayog's own November 2023 evaluation lists among its findings that the scheme "attracted first-time entrepreneurs and helped them to graduate to higher categories of loans" — which is a good outcome and a reason the loan count runs ahead of the borrower count.
How far ahead is not published. There is no official figure for unique Mudra borrowers, and none is given in this answer. So the honest statement of the record is: 59.14 crore loans have been made, and the number of distinct people who received them is unknown and smaller.
On what the lending achieved, the government points to two of its own assessments. The Ministry of Labour and Employment's 2018 national sample survey found that "PMMY helped in generation of 1.12 crore net additional employment during a period of approximately 3 years (i.e. from 2015 to 2018)". NITI Aayog's 2023 evaluation records that small entrepreneurs "got easy access to micro credit at gross root level" and that the scheme "helped the individuals and sole proprietors to avail the loan across geographies" — findings stated qualitatively, with no estimate of jobs, incomes or business survival attached.
No CAG performance audit of the scheme has been tabled, so nothing here has been independently verified, and the answer gives no figure for non-performing assets in the portfolio.
The target was 30 crore beneficiaries and the reported count is 59.14 crore loans. Measured the way the promise measured itself, it was delivered and exceeded. Measured in people, it cannot be checked. Our verdict is lacks context.
BJP Sankalp Patra 2019 — Lok Sabha election manifesto
“Through this Sankalp Patra, you would get a glimpse of the challenges of the yesteryears, the indomitable efforts made by 130 crore Indians to overcome those challenges and our collective vision for the future… There are two commitments that I am extremely passionate about — doubling of farmer income and housing for all, by the year 2022.”
Lok Sabha Unstarred Question No. 2466, PM Mudra Yojana — answer by the Ministry of Finance
“As on June, 2026, more than 59.14 crore loans, have been sanctioned/disbursed under the Pradhan Mantri Mudra Yojana (PMMY), since launch of the Scheme… The Government has undertaken two assessments of the Pradhan Mantri Mudra Yojana (PMMY) since its inception through the Ministry of Labour and Employment in 2018 and NITI Aayog in 2023… 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)… NITI Aayog evaluated the Pradhan Mantri MUDRA Scheme in November 2023 which, inter-alia, state that: a) the small entrepreneurs got easy access to micro credit at gross root level; b) it helped the individuals and sole proprietors to avail the loan across geographies; c) attracted first-time entrepreneurs and helped them to graduate to higher categories of loans.”