A Trend Analysis of MUDRA Loan Disbursements and Rural Entrepreneurship: Evidence from Dindigul District (2020–2025)

Author(s)	Mr. Kamatchi Raja N, Prof. Dr. Raja Pranmalai K
Country	India
Abstract	Pradhan Mantri MUDRA Yojana (PMMY) is an initiative that helps to improve micro-enterprises and rural entrepreneurship in India. This paper is an analysis of the trend and performance of MUDRA loan disbursements in Dindigul District between 2020-21 to 2024-25 based on secondary data on loan account and loan disbursement value. The results show that the trend is overall increasing, and both accounts and disbursement values are increasing significantly, especially in 2021-22 and 2023 24, signifying a better financial inclusion and entrepreneurial activity. A slight decline in the number of accounts in 2024–25, and the level of disbursement, indicates the transition to loans with a higher value. The introduction of the Tarun Plus segment (₹10–₹ 20 lakh) in FY 2025–26 is expected to further support enterprise expansion. The paper concludes that MUDRA credits have played a positive role in the rural entrepreneurship of Dindigul District and that there is a need to enhance credit provisions and financial literacy to ensure further increase.
Keywords	MUDRA Loans, Rural Entrepreneurship, Financial Inclusion, Tarun Plus, Dindigul District
Field	Sociology > Banking / Finance
Published In	Volume 8, Issue 2, March-April 2026
Published On	2026-03-30
DOI	https://doi.org/10.36948/ijfmr.2026.v08i02.73069

About IJFMR Fees & Payment Current Issue Publication Archive	Submit Research Paper Track Submission Status Publication Guidelines Publication Ethics Peer Review & Plagiarism	Join as a Reviewer Editors & Reviewers Reviewer Referral Program Get Reviewer Membership Certi.	Website/Journal Policies Usage Policy Content Policies Privacy Policy

Contact Us		+91-9687-828-838	editor@ijfmr.com

International Journal For Multidisciplinary Research