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@article{191396,
        author = {Shruti and Dr. Panduranga R},
        title = {Evaluation of the Pradhan Mantri MUDRA Yojana Effect on Women's Credit Access and Entrepreneurship in India},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {6421-6425},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=191396},
        abstract = {Women entrepreneurship emergence has been seen in promotion as an important advancement to realizing inclusive economic growth and financial inclusion in India. It should be noted that in this regard Pradhan Mantri Mudra Yojana (PMMY) was introduced to provide the micro and small enterprises (business persons) easy access to institutional credits with special preference given to women beneficiaries. This paper is an assessment of the role played by PMMY in facilitating access to credit and enterprise growth among women entrepreneurs in India. All the data in the study is made entirely on secondary sources by use of official publications of PMMY performance, the Ministry of Finance and other publications by the Reserve Bank of India between the year 2015-2016 and 2024-2025. Descriptive and analytical research design is undertaken and the percentage analysis, growth analysis and evaluation of loans distributed as categories in Shishu, Kishore and Tarun areas is conducted. The results indicate that there has been by far an increase in the access of women to formal credit using PMMY that serves as evidence towards better financial inclusion. Nevertheless, the prevalence of Shishu loans implies minimal credit deepening and restriction over the size of enterprises by women management. The research finds that although PMMY has been quite successful in increasing credit access to women, there is need of careful policy initiatives to enhancing growth of enterprises and make women entering bigger credit bases.},
        keywords = {},
        month = {January},
        }