• Doki Lollen

The Pradhan Mantri Mudra Yojana (PMMY)—launched on 8 April 2015 by the Government of India—aims to advance financial inclusion by providing collateral-free institutional credit to micro and small enterprises. While the national impact of PMMY has been extensively documented, state-level insights, particularly for northeastern states like Arunachal Pradesh, remain under-researched. This paper analyses official state-wise credit data on PMMY sanctioned and disbursed amounts in Arunachal Pradesh from 2015 to 2025, using tabled data and trend analysis. It assesses the outreach of loan accounts, sanctioned/disbursed magnitude, and implications for financial inclusion. Findings show a steadily increasing credit flow into Arunachal Pradesh, though at levels lower than national averages, with gradual expansion across Shishu, Kishor, and Tarun categories. The paper also synthesises literature on PMMY’s role in financial inclusion, identifies persistent challenges, and offers focused policy recommendations to strengthen credit outreach in the region.

Financial Inclusion; Pradhan Mantri Mudra Yojana (PMMY); Micro and Small Enterprises; Collateral-Free Credit; Entrepreneurship Development; Arunachal Pradesh.

"Financial inclusion under Pradhan Mantri Mudra Yojana in Arunachal Pradesh: A Trends Analysis", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 2, page no.b176-b181, February-2026, Available :http://www.jetir.org/papers/JETIR2602124.pdf

"Financial inclusion under Pradhan Mantri Mudra Yojana in Arunachal Pradesh: A Trends Analysis", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 2, page no. ppb176-b181, February-2026, Available at : http://www.jetir.org/papers/JETIR2602124.pdf