GROUP 2

PROBLEM STATEMENT
RBI cautions government over NPA
spike in MUDRA loans
 MUDRA
Pradhan Mantri Mudra Yojana (PMMY)
 Upto 10 lakh
 SHISHU (<50K)
 KISHORE (50k -5L)
 TARUN (5L – 10L)

 Eligible sector - Small manufacturing unit, Shopkeepers ,Fruit and vegetable

vendors, Artisans & Auto -Rickshaws

 Banks –PSB, NBFC, MFI

 What is the current scenario ??

 Business failure
 Poor strategy
 Unexpected business outcomes
 Multiple loan repayment

 There was an increase in number of NPA accounts

under the scheme from 17.99 lakh on March 31, 2018 to
28.83 lakh as on December 31, 2018
Steps taken by Government

 Non-Performing accounts are periodically monitored for recovery of

overdue amount by PSBs
 Loan can be restructured which includes elongation of repayment
schedule
 Additional funding for capital expenditure
 STRATEGY

Assist and educate the borrower

Constant follow-up
Subsidy on technology transfer
Check for fraud accounts
Management and consultancy programs