authors
Hanumant Bhajantri

abstract
One notable problem in the MSME sector is a lack of funding. Governments implement financial aid programs each year as part of the budget to help the enterprise sector overcome its financial obstacles. The primary goal of this study is to evaluate the performance of the government's flagship program, the Pradhan Mantri Mudra Yojana, in the North Karnataka area. Data was gathered from the local lead bank offices in five districts in the region: Belagavi, Bagalkote, Gadag, Haveri, and Koppal. According to the study, when compared to other districts, Belagavi has the most MSMEs, bank branches, and accounts under the scheme. Shishu accounts exceed Tarun and Kishore accounts in all five districts. Compared to other districts, Belagavi has a larger population. The number of bank branches that are opened in a given location will depend on the population size. Here, we are unable to defend the districts' discriminatory introduction of PMMY. The banks should move those Shishu beneficiaries to the Kishore and Tarun categories rather than opening more branches in the other four districts, except Belagavi.