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Title: A STUDY ON CRITICAL ANALYSIS OF MUDRA YOJANA IN UTTARAKHAND
Authors: Dr Anugrah Rohini Lall
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Dr Anugrah Rohini Lall Assistant Professor, Department of Humanities and Social Sciences, Graphic Era University, Uttarakhand
MLA 8 Lall, Dr Anugrah Rohini. "A STUDY ON CRITICAL ANALYSIS OF MUDRA YOJANA IN UTTARAKHAND." Int. j. of Social Science and Economic Research, vol. 3, no. 7, July 2018, pp. 2863-2877, ijsser.org/more2018.php?id=196. Accessed 2018. APA Lall, D. (2018, July). A STUDY ON CRITICAL ANALYSIS OF MUDRA YOJANA IN UTTARAKHAND. Int. j. of Social Science and Economic Research, 3(7), 2863-2877. Retrieved from ijsser.org/more2018.php?id=196 Chicago Lall, Dr Anugrah Rohini. "A STUDY ON CRITICAL ANALYSIS OF MUDRA YOJANA IN UTTARAKHAND." Int. j. of Social Science and Economic Research 3, no. 7 (July 2018), 2863-2877. Accessed , 2018. ijsser.org/more2018.php?id=196.
References [1]. Roy, Anup Kumar(2016). "Mudra Yojana A Strategic tool for Small Business Financing", International Jopurnal of Advance Research in Computer Science and Management Studies, Vol.4, Issue 1, pp 68-72 [2]. Shahid.M,Irshad .M (20160, "A Descriptive Study on Pradhanmantri Mudra Yojana (PMMY)", International Journal of Latest Trends in Engineering and Technology Special Issue SACAIM 2016, pp. 121-125 e-ISSN:2278-621X [3]. Seema (2015). "MUDRA: Micro Units Development & Refinance Agency", International Journal in Commerce, IT & Social Sciences, Vol.2, Issue 10, pp. 23 [4]. T, Avani (2016). "How the MUDRA Bank Helps SME's to Grow", International Journal of Research in Applied, Natural and Social Sciences, Vol.4, Issue 8, pp. 113-118. [5]. Talekar.SD, Bharat Nayabrao (2017), " A study of performance evaluation of Mudra Bank in India",International Journal of Management and Commerce Research www.managementjournal.in Volume 1; Issue 1; November 2017; Page No. 27-30 Websites: [1]. http://www.mudra.org.in/Offerings [2]. http://www.mudra.org.in/PMMYReport [3]. https://timesofindia.indiatimes.com/city/dehradun/can-ukhand-improve-its-mudraperformance/articleshow/60944833.cms [4]. http://www.mudra.org.in/AboutUs/Genesis
Abstract: Saving and investment are correlated. In this context Income generation plays a crucial role in developing countries like India. Creation of Employment opportunities and self employment are very important for Income generation. Hence, Role of micro finance to provide loans to start new business or small business cannot be neglected. It is found that most of the people borrow loans from unorganized sector. Financial inclusion through latest scheme would be instrumental to bring economic change. Therefore to provide loans and refinance the businesses, Mudra yojana is launched by the Government of India in 2015 for providing loans up to 10 lakh to the noncorporate, non-farm small/micro enterprises. These loans are classified as MUDRA loans under PMMY. The financial initiative taken in the form of MUDRA scheme will facilitate the micro units and will be able to provide credits and funds to develop their small businesses. However , initial stages showed significant interest but slowed with years. The paper throws light on performance of Scheme in India and also brings out the performance of the Mudra Yojana in Uttarakhand. The analysis of different categories of schemes are done through trend forecasting. The analysis reveals that people are getting encouraged to develop entrepreneurship by taking initiative to start their own work. it reveals that performance of MUDRA yojana is successful under Kishor and Tarun Categories whereas Shishu category has fallen because of which total disbursement has all also dropped it will be useful to devise the program that cater to need of the entrepreneurs .

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