• Md. Abdur Rashid
• .Badarikynti Synte

Abstract: Pradhan Mantri Mudra Yojana (PMMY) which also known as MUDRA loan launched on 8th April, 2015 aiming to boost the confidence of the first generation entrepreneurs by providing them funds and assists existing MSEs to expand their activities. During 2015-2019, 18,25,82,882 people got MUDRA loan amounting to Rs.8,93,378 crore under the scheme. The study is descriptive as well as analytical in nature which is based on primary as well as secondary data. This study aims to evaluate the loan sanctioned under PMMY to micro units and to examine the adequacy of credit extended to small enterprises. This study also aims to identify the problems faced by the beneficiaries in obtaining loan under PMMY and the evaluation of understanding why the beneficiaries preferred this scheme for financing their business. The study finds that 76% borrowers under scheme were very satisfied or satisfied and remaining 24% respondents are neutral.It is exposed that at national level, numbers of loan sanctioned per 1 lakh population were 15087 people against 3623 people in Meghalaya during the study period which is far below than the national average.

IndexTerms -PMMY, adequate credit, satisfaction level, loan per 1 lakh population

"A CRITICAL LOOK INTO PRADHAN MANTRI MUDRA YOJANA ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.405-413, June 2019, Available :http://www.jetir.org/papers/JETIR1907C20.pdf

"A CRITICAL LOOK INTO PRADHAN MANTRI MUDRA YOJANA ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp405-413, June 2019, Available at : http://www.jetir.org/papers/JETIR1907C20.pdf