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PMMY now offers four types of loans (including the new Tarun-plus option for up to ₹20 lakh), which has helped more people access bigger funds and repay on time.
Even with these larger amounts, most borrowers still take smaller loans (over 60% are under ₹30,000), so micro and small businesses aren't left out.
Plus, with NPAs dropping from nearly 5% to just 2% in five years and efforts to reach marginalized women, the scheme is becoming more inclusive and sustainable than ever.