MUDRA Scheme in Eastern Uttar Pradesh

Author(s)	Prof. Karunakar Ram Tripathi, Mr. subash chandra
Country	India
Abstract	Access to institutional credit is crucial for the growth and sustainability of micro and small enterprises, which constitute the backbone of industrial development in India. This study examines the loan shortfall and growth rate of institutional loan disbursement to MSMEs in Eastern Uttar Pradesh, with specific focus on the Shishu, Kishor, and Tarun loan categories. Using district-level secondary data for the period 2020–2024, the study adopts a descriptive and trend-based analytical approach to assess patterns of credit distribution and unmet loan requirements. The findings reveal a significant increase in loan disbursement across districts, particularly in relatively backward regions. A declining trend in loan shortfalls across most districts suggests improved alignment between credit demand and supply, although fluctuations persist in certain areas. The study also observes a gradual shift from Shishu to Kishor and Tarun loans, reflecting borrower progression and enterprise growth, while highlighting persistent inter-district disparities in access to higher-value credit.
Keywords	Institutional Credit, Shishu, Kishor, Tarun loan and Disparities
Field	Sociology > Economics
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-05-19
DOI	https://doi.org/10.36948/ijfmr.2026.v08i03.78452

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International Journal For Multidisciplinary Research