evidence: The PMMY website has year wise performance reports on the website. Data from these reports suggests that out of a total of 12.27 crore loan accounts under the MUDRA scheme between 2015-16 and 2017-18, 9.03 crore belong to women entrepreneurs and 6.71 crore belong to SCs/STs/OBCs. Hence the percentage of loan accounts belonging to women is around 74% while those belonging to SCs/STs/OBCs is around 55%. [...] The second claim is that collateral free loans were provided for 12 crore small entrepreneurs under MUDRA. The annual report available on the MUDRA Yojana page states that, ‘NBFCs have emerged as the most effective and powerful vehicle for delivering financial assistance to the Micro and Small Enterprises which are otherwise not being catered by the conventional banking system due to reasons of weak documentation, lack of collateral security, shortage of capital, etc. Share of NBFCs in credit to MSME sector rose to 18% in FY 2017-18 from 8% five years ago. The NBFC’s share should expand to 22-23% by March 2022. Further with the deteriorating asset quality of Public Sector Banks and invocation of PCA by RBI against 11 Public Sector Banks, MSMEs will become more reliant on NBFCs for their credit needs’.