Mod 7: October–December 2025: PM Mudra Yojana Expansion & Micro-Finance Saturation
Deepening Grassroots Financial Credit (Late 2025):
During the festive and harvesting quarter of late 2025, commercial banks and Regional Rural Banks (RRBs: Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank) accelerated lending under the enhanced Pradhan Mantri Mudra Yojana (PMMY).
Credit Delivery & Microfinance Metrics:
- Enhanced Tarun Plus Limit: Integrated the central budget reform raising the 'Tarun' loan ceiling from ₹10 lakh to ₹20 lakh for entrepreneurs who have successfully repaid previous Tarun borrowings, benefiting over 85,000 scaling micro-enterprises in Bihar.
- Shishu and Kishore Dominance: Women self-help group members and village entrepreneurs in Bihar accounted for over 72% of all Shishu loans (up to ₹50,000) and Kishore loans (₹50,000 to ₹5 lakh).
- Bank Sakhi Penetration: Over 15,000 certified JEEViKA 'Bank Sakhis' operated interoperable AePS (Aadhaar-enabled Payment System) micro-ATMs at village panchayats, processing over ₹1,200 crore in doorstep monthly cash deliveries and DBT subsidy withdrawals.
- MFI Loan Portfolio: Bihar retained its standing among the top 3 states nationally in terms of active microfinance gross loan portfolio (GLP), maintaining low default rates under 2%.
Exam View: Key Takeaways for Competitive Examinations:
- Enhanced Mudra Tarun Limit: Raised up to ₹20 lakh.
- Mudra Loan Tiers: Shishu (up to ₹50k), Kishore (₹50k–₹5L), Tarun (₹5L–₹20L).
- Two Major RRBs in Bihar: UBGB (HQ: Muzaffarpur) & DBGB (HQ: Patna).
- Doorstep Banking Model: Bank Sakhis using AePS Micro-ATMs.
- Enhanced Mudra Tarun Limit: Raised up to ₹20 lakh.
- Mudra Loan Tiers: Shishu (up to ₹50k), Kishore (₹50k–₹5L), Tarun (₹5L–₹20L).
- Two Major RRBs in Bihar: UBGB (HQ: Muzaffarpur) & DBGB (HQ: Patna).
- Doorstep Banking Model: Bank Sakhis using AePS Micro-ATMs.
- Enhanced Mudra Tarun Limit: Raised up to ₹20 lakh.
- Mudra Loan Tiers: Shishu (up to ₹50k), Kishore (₹50k–₹5L), Tarun (₹5L–₹20L).
- Two Major RRBs in Bihar: UBGB (HQ: Muzaffarpur) & DBGB (HQ: Patna).
- Doorstep Banking Model: Bank Sakhis using AePS Micro-ATMs.
Answer this question, then use Next.
What is the enhanced maximum loan limit under the 'Tarun' category of Pradhan Mantri Mudra Yojana for eligible entrepreneurs?
What is the maximum financing limit allowed under the 'Shishu' category of PM Mudra Yojana?
Where is the head office of Uttar Bihar Gramin Bank (UBGB) located?
Where is the head office of Dakshin Bihar Gramin Bank (DBGB) situated?
Which public sector commercial bank sponsors Dakshin Bihar Gramin Bank (DBGB)?
Which public sector commercial bank sponsors Uttar Bihar Gramin Bank (UBGB)?
What loan amount range defines the 'Kishore' category under PM Mudra Yojana?
Which community cadre trained under JEEViKA provides micro-ATM banking services at village doorsteps in Bihar?
What digital payment interface enables biometric finger-scan cash withdrawals at village kiosks without physical debit cards?
What collateral or third-party guarantee is required from applicants for loans up to ₹10–20 lakh under PMMY?
One-liners
Write your answer, then submit to see the correct answer.
Enhanced Mudra Tarun Limit: ______
Raised up to ₹20 lakh.Mudra Loan Tiers: ______
Shishu (up to ₹50k), Kishore (₹50k–₹5L), Tarun (₹5L–₹20L).Two Major RRBs in Bihar: ______
UBGB (HQ: Muzaffarpur) & DBGB (HQ: Patna).Doorstep Banking Model: ______
Bank Sakhis using AePS Micro-ATMs.