PAPER ID:IJIM/Vol. 10 (IV)/ August/49-52/7

AUTHOR: Ritik Kumar ^[I] Dr. Lokendra Singh ^[II]

TITLE : IMPACT OF SHISHU, KISHORE, AND TARUN CATEGORIES OF MUDRA YOJANA ON MSME GROWTH IN UTTAR PRADESH

ABSTRACT:The Pradhan Mantri Mudra Yojana (PMMY) was launched to support micro and small enterprises by providing institutional credit in three categories: Shishu, Kishore, and Tarun. This research paper investigates the impact of these categories on the growth of MSMEs in Uttar Pradesh. Using simulated revenue growth data and statistical tools, we analyze the effectiveness of different loan segments in fostering business development. Our findings from ANOVA reveal significant differences in growth outcomes, with higher loan categories (Kishore and Tarun) contributing more substantially to business expansion than Shishu. Two real-world case studies further enrich the empirical observations, offering insights into utilization patterns and enterprise scaling. The study concludes with strategic recommendations to enhance the targeted impact of PMMY on entrepreneurship in Uttar Pradesh.

KEYWORDS : Mudra Yojana, MSME, Shishu, Kishore, Tarun, Uttar Pradesh, Entrepreneurship, Financial Inclusion, ANOVA, Business Growth

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