MUDRA bad loans rise in FY19, even as NPAs decline across banking system

  1. The government’s MUDRA scheme to finance small and micro borrowers has witnessed an increase in bad loans at a time when the system-wide non-performing assets(NPAs) have started showing signs of a decline.
  2. NPA is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days.
  3. The NPAs under MUDRA or Micro Units Development and Refinance Agency Ltd has increased by 68.7% to Rs 16,480 crore for the financial year ended March 2019 from Rs 9,769 crore a year-ago.
  4. However,NPA’s under the MUDRA scheme are much lower than the total system-wide NPAs.The banking sector’s gross NPAs declined to 9.3% in March 2019 which is much faster than the Reserve Bank of India’s estimate.
  5. Pradhan Mantri MUDRA Yojana (PMMY) was launched in 2015.It seeks to extend affordable credit to micro and small enterprises.Loans up to Rs.10 lakh are extended to non-corporate, non-farm enterprises.These loans are classified as MUDRA loans.
  6. Loans under Mudra are given under different categories viz. ‘Shishu’, ‘Kishor’ and ‘Tarun’.These categories are based on the stage of growth or development and funding needs of the beneficiary.
  7. Sishu covers loans up to Rs. 50,000.Kishore covers loans above Rs. 50,000- and up to 5 lakh.Tarun covers loans above Rs. 5 lakh and up to Rs.10 lakh.

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