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@article{184937,
        author = {S. Shahina Begam and Chippolu Nagaraja},
        title = {PERFORMANCE ANALYSIS OF MUDRA SCHEME-THE COMPARATIVE STUDY OF SELECTED PUBLIC AND PRIVATE SECTOR BANKS},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {4},
        pages = {3707-3716},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=184937},
        abstract = {The Pradhan Mantri Mudra Yojana (PMMY) initiated in 2015 remains an important instrument in fostering financial inclusion through the extension of collateral-free loans under its Shishu, Kishore, and Tarun segments. "Performance Analysis of MUDRA Scheme: A Comparative Study of Selected Public and Private Sector Banks" evaluates the performance of ten banks (five public and five private) for 2019–2024 based on secondary data. Analysis includes sanction and disbursement trends, category-wise breakup, and efficiency ratios. Findings reveal that private sector banks like IndusInd Bank and Bandhan Bank had a consistent 100% disbursement, while the State Bank of India stood out as a top performer among public sector banks. Conversely, banks such as Union Bank of India and Punjab National Bank experienced discrepancies between sanctions and disbursements. The scheme is characterized by Shishu and Kishore loans, funding first-time and small business entrepreneurs. The study finds that PMMY has promoted entrepreneurship, even though enhancing rural outreach and filling disbursement gaps can increase its overall effectiveness.},
        keywords = {Pradhan Mantri Mudra Yojana (PMMY), Financial Inclusion, Public and Private Sector Banks, Entrepreneurship Development, Loan Performance Analysis.},
        month = {September},
        }