• DR.RAJU THOMAS

Abstract: This comprehensive review paper delves into the Micro Units Development and Refinance Agency (MUDRA) Yojana, a flagship financial inclusion program in India, with a primary focus on assessing the accessibility of credit for small business entrepreneurs in Uttar Pradesh. This scheme in Uttar Pradesh has a broad composition of small-scale businesses owned by individuals or communities. These businesses usually have low turnover and require funding to expand or invest in new ventures. This scheme was launched in 2015 with the aim of providing financial support to micro and small enterprises (MSEs) across the country. This study examines the scheme's demand across its categories, explores the purposes for availing MUDRA loans, and investigates the impact of MUDRA on Indian small business owners and self-employed individuals. Furthermore, it provides a detailed analysis of MUDRA's performance in Uttar Pradesh from fiscal year 2015 to 2023. This review also highlights key issues related to skill development gaps, knowledge gaps, information asymmetry, financial/business literacy, and the lack of growth orientation. The analysis aims to identify research gaps and offer valuable insights into the implementation of MUDRA Yojana and focuses on analyzing the effectiveness of the scheme as well as investigates the credit accessibility, demand, impact, and performance of the MUDRA Yojana specifically in Uttar Pradesh, one of the largest states in India with a significant number of MSEs. It aims to provide insights into the effectiveness of the scheme in promoting entrepreneurship and addressing the credit needs of MSEs in the state.

Key words: micro, refinance, accessibility, performance.

"MUDRA YOJANA: AN EXAMINATION OF CREDIT ACCESIBILITY, DEMAND, IMPACT AND PERFORMANCE IN UTTAR PRADESH", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 11, page no.f189-f203, November-2023, Available :http://www.jetir.org/papers/JETIR2311522.pdf

"MUDRA YOJANA: AN EXAMINATION OF CREDIT ACCESIBILITY, DEMAND, IMPACT AND PERFORMANCE IN UTTAR PRADESH", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 11, page no. ppf189-f203, November-2023, Available at : http://www.jetir.org/papers/JETIR2311522.pdf