Chapter 1

Introduction
Definition of Bank

A bank is a financial institution that is licensed to accept checking and savings deposits and
make loans. Banks also provide related services such as individual retirement accounts (IRAs),
certificates of deposit (CDs), currency exchange, and safe deposit boxes.

A bank represents a financial institution that deals with cash inflows, withdrawals, credits, and other
financial transactions. It provides money to those in need, collects deposits, and works as a go-between
for lenders and borrowers. They will not only deal with money but are also the producers of the money.

2
Introduction Of MUDRA & HUDCO Analysis:-

MUDRA Analysis:-

MUDRA, which stands for Micro Units Development & Refinance Agency Ltd., is a financial
institution set up by Government of India for development and refinancing of micro units’ enterprises.

MUDRA was registered as a Company in March 2015 under the Companies Act 2013 and as a Non-
Banking Finance Institution with the RBI on 07 April 2015.

Micro Units Development and Refinance Agency Bank (or MUDRA Bank)) is a public sector financial
institution in India. It provides loans at low rates to micro-finance institutions and non-banking financial
institutions which then provide credit to MSMEs. It was launched by Prime Minister Narendra Modi on 8
April 2015.

MUDRA scheme focuses on the development of entrepreneurs and businesses by offering loans and
reaching the areas where numerous bank services couldn't fulfil the requirements of the client.

It provides microfinance funding to the country's micro-enterprise sector.

MUDRA schemes under the funding of Pradhan Mantri Mudra Yojana, has already created the initial
schemes. Those interventions have been named as Shishu, Kishore and Tarun to indicate the phase of
growth and funding needs of the beneficiaries.

3
HUDCO Analysis: -

Housing and Urban Development Corporation Ltd. (HUDCO) was incorporated as a fully owned
Government Company under the Companies Act, 1956 with the main objective of financing Housing and
Urban development projects in the country.

The main objectives of HUDCO are: To provide financial assistance for the development of housing and

urban infrastructure projects in India. HUDCO was incorporated as 'The Housing and Urban
Development Finance Corporation Private Limited' on April 25 1970 as a Private Limited Company and

granted a certificate of incorporation by the then Registrar of Companies Delhi.

The major objective of financing and encouraging housing and urban development activity in the
country and has developed sound capabilities of project preparation, appraisal, financial planning and
monitoring. A Public Sector Company, under the Ministry of Housing and Urban Affairs.

HUDCO launched rural housing schemes for providing loan assistance for construction of rural houses. In
1986, the company established the Human Settlement Management Institute, the research, and training
division of the company. In 1988, the company commenced urban infrastructure financing.
4
 Chapter 2

Industry Profile
Industry Profile of MUDRA Analysis: -

 Micro Units Development and Refinance Agency Bank (or MUDRA Bank) is a public
sector financial institution in India. It provides loans at low rates to micro-finance institutions and
non-banking financial institutions which then provide credit to MSMEs. It was launched by Prime
Minister Narendra Modi on 8 April 2015.
 The MUDRA banks were set up under the Pradhan Mantri MUDRA Yojana scheme. It will
provide its services to small entrepreneurs outside the service area of regular banks the most
prominent of these are: For laying down policy guidelines for financing small/ micro enterprises.
Getting all the Microfinance Institutions and related entities registered and then regulating the
same. For helping the small businesses develop and grow further.
 It is a subsidiary of SIDBI (Small Industries Development Bank of India) with capital 100% and
has it’s headquarter in Mumbai. It was announced initially in the 2015 Indian Union Budget.
 Mudra Bank is not a traditional bank with branches; instead, it operates as a refinance and
regulatory institution. It operates under the Pradhan Mantri Mudra Yojana (PMMY), which is a
flagship scheme of the Indian government.

6
 The main objectives of Mudra Bank are to promote financial inclusion, entrepreneurship, and job
creation. It has played a crucial role in supporting small businesses, especially in rural and
underprivileged areas, and has contributed to India's economic growth.

 The role of Mudra Bank, officially known as the Micro Units Development and Refinance Agency
Bank, is to facilitate and promote the development of micro and small enterprises in India. Mudra
Bank provides financial support to micro and small enterprises through various lending
institutions such as banks, microfinance institutions, and non-banking financial companies. It
offers refinancing and credit guarantee services to these institutions.

 Mudra Bank is not a traditional bank with a physical infrastructure like branches or offices. It
operates as a financial institution that partners with existing banks, microfinance institutions, and
non-banking financial companies. These partner institutions have physical branches and
infrastructure where they process and disburse Mudra loans.

 Mudra Bank operates under the regulatory framework set by the Reserve Bank of India (RBI),
which oversees its activities and ensures compliance with financial regulations.

 Mudra Bank may have online platforms and digital resources to facilitate the application and
monitoring processes for Mudra loans.

 Mudra Bank's scope includes providing financial support to micro and small businesses through
refinancing, credit guarantee, and other financial products and services.

7
Industry Profile of HUDCO Analysis: -

 “Housing and Urban Development Corporation Limited” and a fresh certificate of incorporation
dated July 9, 1974, was issued by the then Registrar of Companies, Delhi & Haryana. Our
Company was notified as a public financial institution under Section 4A of the Companies Act,
1956 on December 9, 1996, by the Department of Company Affairs, Ministry of Finance, and Go.
Further, the NHB issued a certificate of registration to us on July 31, 2001, permitting us to carry
on the business of a housing finance institution.

 The Housing and Urban Development Corporation Limited (HUDCO) is a public sector enterprise
that is headquartered in New Delhi, India. It has regional offices located in various cities across
the country, including Ahmedabad, Bangalore, Chennai, Kolkata, and Mumbai.

 HUDCO has a well-established infrastructure to support its operations and the development of
housing and urban infrastructure projects in India. This includes a network of branches and offices
located across the country, as well as a team of trained professionals who are skilled in project
appraisal, financial analysis, and other areas related to housing and urban development.

8
Infrastructure of Housing and Urban Development Corporation Limited (HUDCO):-

The Housing and Urban Development Corporation Limited (HUDCO) is a public sector enterprise that is
headquartered in New Delhi, India. It has regional offices located in various cities across the country,
including Ahmedabad, Bangalore, Chennai, Kolkata, and Mumbai.

HUDCO has a well-established infrastructure to support its operations and the development of housing
and urban infrastructure projects in India. This includes a network of branches and offices located across
the country, as well as a team of trained professionals who are skilled in project appraisal, financial
analysis, and other areas related to housing and urban development.

In addition to its physical infrastructure, HUDCO also has a strong online presence, with a website that
provides information about the company's operations, programs, and schemes. The website also allows
clients to apply for financial assistance and access other services offered by HUDCO.

Overall, HUDCO has a strong infrastructure that enables it to effectively support the development of
housing and urban infrastructure in India.

HUDCO is funded by the Government of India through its equity capital, and also raises funds through
borrowings from various sources, such as banks, financial institutions, and the capital market. The
company also generates income from its various operations, such as providing financial assistance to
housing and urban development projects, selling land and property, and providing technical assistance and
advisory services. HUDCO may also receive grants and subsidies from the Government of India and
other organizations for specific projects.

9
Scope: -

1) To employment generation, which is crucial for economic growth and poverty reduction.

2) To micro and small businesses in India to help them start, expand, and grow their enterprises.

3) It provides long-term finance for housing & infrastructure projects.

4) Provides loans & financial assistance for housing & urban development.

5) Focuses on affordable housing & infrastructure development.

6) Supports & maintenance & management of housing facilities.

7) Implements of new technologies & knowledge for housing development.

11
Objectives: -

1) To provide financial assistance to small businesses and entrepreneurs.

2) Promote economic development in rural areas.

3) To provide financial assistance and support for housing and urban infrastructure projects in
India.

4) To undertake research and development activities related to housing and urban development.

5) To promote the development of urban infrastructure, including water supply, sanitation, roads,
and transportation.

12
 Chapter 4

Need of the Study

Need of MUDRA Bank: -

The Micro Units Development and Refinance Agency Bank, was established in India to address the
financing needs of micro and small enterprises, particularly those run by individuals from economically
disadvantaged backgrounds.

1) Access to Finance: Many micro and small businesses face challenges in obtaining loans from
traditional banks. Mudra Bank provides financial support to these enterprises, helping them access
credit for business expansion and development.

2) Financial Inclusion: It promotes financial inclusion by offering financial products and services to
those who often lack access to formal banking systems.

3) Job Creation: By providing financial assistance to small businesses, Mudra Bank contributes to
job creation and economic growth, which is vital for a developing economy like India.

4) Entrepreneurship Promotion: It supports and encourages entrepreneurship by offering loans at

reasonable interest rates and enabling small business owners to realize their entrepreneurial
ambitions.

5) Economic Development: Supporting micro and small enterprises through Mudra Bank can
stimulate economic development and reduce poverty, especially in rural and underserved areas.

14
The study of Mudra Bank is essential for various reasons: -

1) Policy Evaluation: Studying Mudra Bank helps evaluate the effectiveness of government policies
aimed at promoting micro and small enterprises, entrepreneurship, and financial inclusion.

2) Economic Impact: Research on Mudra Bank can assess its impact on economic development, job
creation, and poverty reduction, providing insights into its contribution to the nation's economy.

3) Target Beneficiaries: Understanding the beneficiaries and target groups of Mudra loans can help
tailor policies and programs to better serve the needs of specific segments of the population.

4) Loan Disbursement and Recovery: Analysing the loan disbursement process and recovery rates
can reveal the bank's operational efficiency and effectiveness in managing credit risk.

5) Policy Recommendations: Research on Mudra Bank can lead to recommendations for

improvements in its functioning, policies, and implementation, enhancing its role in supporting
small businesses.

6) Social and Financial Inclusion: Evaluating the extent to which Mudra Bank promotes social and
financial inclusion can inform strategies for extending its reach to underserved communities.

7) Comparative Analysis: Comparative studies can be conducted to assess how Mudra Bank's
performance and impact compare to similar initiatives in other countries or regions.

8) Regulatory Compliance: Analysing whether Mudra Bank complies with regulatory and legal
requirements is crucial for ensuring its sustainability and integrity.
15
  Need of HUDCO Bank-

1) The Housing and Urban Development Corporation (HUDCO) is a public sector financial
institution in India that primarily focuses on financing housing and urban infrastructure projects.
The need to study HUDCO bank includes:

2) Urban Development Assessment: Research on HUDCO helps assess the impact of its funding on
urban development, infrastructure improvement, and housing in India's cities and towns.

3) Policy Evaluation: Studying HUDCO allows for the evaluation of government policies and
initiatives related to urban development, housing, and infrastructure financing.

4) Project Financing: Understanding HUDCO's role in project financing for urban development can
provide insights into how it supports initiatives like affordable housing, water supply, sanitation,
and transportation.

5) Affordable Housing Analysis: Research can focus on HUDCO's contribution to affordable housing
and its role in making housing accessible to economically weaker sections of society.

6) Economic Growth: Analysing the correlation between HUDCO's activities and economic growth
in urban areas can reveal the institution's impact on employment generation and GDP growth.

7) Infrastructure Impact: Assessing how HUDCO supports critical infrastructure projects such as
roads, bridges, and public utilities can inform decisions regarding urban infrastructure
development.

16
 8) Policy Recommendations: Studies on HUDCO can lead to recommendations for improving its
financing mechanisms and policies to better meet the needs of urban development in India.

9) Social and Environmental Considerations: Research can examine the social and environmental
impact of HUDCO-funded projects and suggest strategies for sustainable urban development.

Housing and Urban Development Corporation serves several essential needs in

India:

1) Housing Finance: HUDCO plays a crucial role in providing long-term financing for housing
projects, including affordable housing for economically disadvantaged sections of the society.
This addresses the need for safe and affordable housing for all.

2) Urban Infrastructure Development: HUDCO funds various urban infrastructure projects, such as
water supply, sanitation, transportation, and public utilities. This is essential for the development
and improvement of urban areas, ensuring a better quality of life for residents.

3) Urban Renewal: It supports urban renewal and redevelopment projects, revitalizing older urban
areas and ensuring sustainable urban growth.

4) Support for Marginalized Communities: HUDCO focuses on financing projects that benefit
marginalized and economically weaker sections of society. This helps in reducing inequalities and
promoting social inclusion.

5) Government Policy Implementation: HUDCO aids in the implementation of government policies

and initiatives related to housing and urban development, which are critical for the country's
overall progress.

17
 Chapter 5

Data collection
  The method of collecting information is divided into two different sections, namely primary data
and secondary data.

The main two types of data:

1)Primary Data

2)Secondary data

Primary Data: -

Primary data is the data that is collected for the first time through personal experiences or evidence,
particularly for research. It is also described as raw data or first-hand information. The primary data is
assembling data or information for the first time. The mode of assembling the information is costly, as the
analysis is done by an agency or an external organisation, and needs human resources and investment.
The investigator supervises and controls the data collection process directly.

The data is mostly collected through observations, physical testing, mailed questionnaires, surveys,
personal interviews, telephonic interviews, case studies, and focus groups, etc.

Secondary Data: -

Secondary data is a second-hand data that is already collected and recorded by some researchers for their
purpose, and not for the current research problem. It is accessible in the form of data collected from
different sources such as government publications, censuses, internal records of the organisation, books,
journal articles, websites and reports, etc Secondary data requires less time and money; hence it is
economical. Secondary data analysis can save time that would otherwise be spent collecting data and,
particularly in the case of quantitative data, can provide larger and higher-quality databases that would be
unfeasible for any individual researcher to collect on their own.

19
 Chapter 6

Data Analysis &Interpretation

Data Analysis: -

Data analysis is the science of examining data to conclude the information to make decisions or expand
knowledge on various subjects. It consists of subjecting data to operations. This process happens to obtain
precise conclusions to help us achieve our goals, such as operations that cannot be previously defined
since data collection may reveal specific difficulties.

Data Interpretation: -

Data interpretation is the process of assigning meaning to the data. Data interpretation is the process of
reviewing data and arriving at relevant conclusions using various analytical research.

21
1) Select your gender

Gender No. of Respondents Percentage

1) Male 19 33%

2) Female 38 67%

Interpretation

The above data indicates that 33% of respondents are male which are (19 respondents) & 67% are female
which are (38 respondents).

22
2) What does MUDRA stand for?

Evaluation No. of Respondents Percentage

A) Micro Units Development 38 66.7%

and Refinance Agency

B) Housing and Urban 6 10.5%

development Corporation

C) Municipal Development and 7 12.3%

Regulatory Authority

D) Microfinance and Urban 6 10.5%

Development Agency

Interpretation

From the above data, 66.7 %( 38 respondents) correctly identified the MUDRA stand for. 10.5 %
(6 respondents) associated it with HUDCO, 12.3 %( 7 respondents) with regulatory authority, 10.5% (6
respondents) associated it with microfinance and urban development agency.

23
3) Which category of enterprises is the primary focus of MUDRA Bank?

Evaluation No. of Respondents Percentage

A) Large-scale 8 14%
industries
B) Medium-sized 16 28.1%
businesses
C) Small and 25 43.9%
Micro Enterprises
D) Agricultural 8 14%
cooperatives

Interpretation

From the above data,14% (8 respondents) identified the Large-scale industries, 28.1% (16 respondents)

are identified the Medium-sized businesses, & 43.9% (25 respondents) are correctly identified the Small
and Micro Enterprises, 14% (8 respondents) identified Agricultural cooperatives.

24
4) MUDRA Bank was launched in India in which year?

Evaluation No. of Respondents Percentage

A) 2010 8 14%

B) 2013 10 17.5%

C) 2015 34 59.6%

D) 2018 5 8.8%

Interpretation

From the given data, 14% (8 respondents) identify year 2010, 17.5% (10 respondents) identified the year
2013, 59.6% (34 respondents) are correctly identified 2015 year, & 8.8% (5 respondents) identified year

2018.

25
5) What does HUDCO stand for?

Evaluation No. of Respondents Percentage

A) Housing and Urban 8 14%
Development Corporation
B) Home and Urban 16 28.1%
Development Company
C) Housing and Urban 25 43.9%
Development Commission
D) Housing and Urban 8 14%
Development Council

Interpretation

From the above data, 14% (8 respondents) are correctly identified the Housing and Urban Development
Corporation, 28.1% (16 respondents) identified Home and Urban Development Company, & 43.9%

(25 respondents) are wrongly identified Housing and Urban Development Commission, 14%

(8 respondents) are identify Housing and Urban Development Council.

26

6) When was HUDCO established in India?

 Evaluation No. of Respondents Percentage

A) 1950 11 19.3%

B) 1964 17 29.8%

C) 1978 26 45.6%

D) 1991 3 5.3%

Interpretation

The following data, 19.3% (11 respondents) recognized the 1950 year, 29.8% (17 respondents) are
correctly identified the HUDCO established in India is 1964 year, & 45.6 %( 26 respondents) wrongly
identified the year is 1978, & remaining is respectively.

27
7) What is HUDCO's role in India's development?

Evaluation No. of Respondents Percentage

A) Regulating housing 15 26.3%

construction
B) Promoting housing and 33 57.9%
urban development
C) Managing national parks 6 10.5%

D) Operating public 3 5.3%

transportation

Interpretation

The given data indicates, 26.3% (15 respondents) identified regulating housing construction, & 57.9% (33
respondents) are correctly identified the HUDCO's role in India's development is promoting housing and
urban development & 10.5% (6 respondents) are identified managing national parks, 5.3% (3
respondents) is respectively.

28

8) Who is the principal shareholder of HUDCO?

 Evaluation No. of Respondents Percentage

A) Reserve Bank of India 14 24.6%

(RBI)
B) Ministry of Finance 26 45.6%

C) State Governments 13 22.8%

D) Private investors 4 7%

Interpretation

In the given data, 24.6% (14 respondents) are identified Reserve Bank of India (RBI), 45.6%

(26 respondents) are correctly identified the principal shareholder of HUDCO is Ministry of Finance, &
22.8% (13 respondents) are shows that State Governments, 7% (4 respondents) are remaining is private
investors.

29

9) What is the primary objective of MUDRA Bank in India?

 Evaluation No. of Respondents Percentage
A) Providing loans for large- 12 21.1%
scale industries
B) Promoting entrepreneurship 32 56.1%
and small businesses
C) Regulating the banking 8 14%
sector
D) Funding agricultural 5 8.8%
projects

Interpretation

The given data , 21.1% (12 respondents) are indicates the providing loans for large-scale industries,
56.1% (32 respondents) are correct identified the primary objective of MUDRA Bank in India is
Promoting entrepreneurship and small businesses, & 14% (8 respondents) are Regulating the banking
sector, 8.8% (5 respondents) that is funding agricultural projects.

30

10) Which Indian government agency is associated with the Pradhan Mantri MUDRA Yojana
(PMMY)?
 Evaluation No. of Respondents Percentage
A) National Aeronautics and 14 24.6%
Space Administration
(NASA)
B) Ministry of Home Affairs 8 14%

C) Ministry of Micro, Small, 28 49.1%

and Medium Enterprises
D) Ministry of Agriculture 7 12.3%
and Farmers Welfare

Interpretation

In the given data, 24.6% (14 respondents) are identified National Aeronautics and Space Administration
(NASA), 14% (8 respondents) shows Ministry of Home Affairs & 49.1% (28 respondents) are correctly
indicates the Pradhan Mantri MUDRA Yojana is Ministry of Micro, Small, and Medium Enterprises, &
remaining is the 12.3% (7 respondents) that is Ministry of Agriculture and Farmers Welfare.

31

11) Who appoints the Chairman and Managing Director of HUDCO?

 Evaluation No. of Respondents Percentage
A) The President of India 15 26.3%

B) The Prime Minister of 19 33.3%

India
C) The Ministry of Finance 20 35.1%

D) The Reserve Bank of India 3 5.3%

(RBI)

Interpretation

The above data shows that, 26.3% (15 respondents) are correctly identified the Chairman and Managing
Director of HUDCO is the President of India, 33.3% (19 respondents) are wrongly identified the Prime
Minister of India & 35.1% (20 respondents) are identified the Ministry of Finance, 5.3% ((3 respondents)
are the RBI.

32

12) Which of the following is not a primary function of HUDCO?

 Evaluation No. of Respondents Percentage
A) Providing project finance 19 33.3%

B) Urban planning and 17 29.8%

development
C) Housing finance 11 19.3%

D) Infrastructure 10 17.5%
development

Interpretation

The given data shows that, 33.3% (19 respondents) are indicates providing project finance, 29.8% (17
respondents) indicates urban planning and development is not a primary function of HUDCO & 19.3%
(11 respondents) are shows housing finance, 17.5% (10 respondents) are identified infrastructure
development.

33

13) What is HUDCO's primary source of funds?

 Evaluation No. of Respondents Percentage
A) Tax revenue 16 28.1%

B) International grants 19 33.3%

C) Capital markets 16 28.1%

D) Donor agencies 6 10.5%

Interpretation

The above data indicates, 28.1% (16 respondents) HUDCO's primary source of funds are tax revenue,
33.3% (19 respondents) are international grants & 28.1% (16 respondents) are correctly indicates Capital
markets, & remaining is 10.5% (6 respondents) are donor agencies.

34

14) Which of the following is not a scheme offered by MUDRA bank?

 Evaluation No. of Respondents Percentage
A) Shishu 9 15.8%

B) Nari 30 52.6%

C) Kishor 11 19.3%

D) Tarun 7 12.3%

Interpretation

In the above data indicates, 15.8% (9 respondents) are identified the Shishu scheme, 52.6% (30
respondents) which are correctly identified is not a scheme offered by MUDRA bank is Nari, & 19.3%
(11 respondents) identified Kishor scheme, & other remaining is 12.3% (7 respondents) are Tarun
scheme.

35
15) Which Indian state was the first to benefit from HUDCO's financial assistance?

Evaluation No. of Respondents Percentage

A) Maharashtra 22 38.6%

B) Uttar Pradesh 12 21.1%

C) Delhi 22 38.6%

D) West Bengal 1 1.8%

Interpretation

In the given data, 38.6% (22 respondents) are correct identified Indian state was the first to benefit from
HUDCO's financial assistance is Maharashtra ,21.1% (12 respondents) identified the state is Uttar
Pradesh & 38.6% (22 respondents) identified the Delhi state, & 1.8% (1 respondents) is remaining state.

36
16) HUDCO’s bonds and debentures are traded on which stock exchange in India?

Evaluation No. of Respondents Percentage

A) Bombay Stock Exchange 27 47.4%
(BSE)
B) National Stock Exchange 20 35.1%
(NSE)
C) Calcutta Stock Exchange 6 10.5%

D) Chennai Stock Exchange 4 7%

Interpretation

The given data, 47.7% (27 respondents) are correctly identified Bombay Stock Exchange (BSE), 35.1%
(20 respondents) identified National Stock Exchange (NSE) & 10.5% (6 respondents) that is Calcutta
Stock Exchange, 7% (4 respondents) are identified Chennai Stock Exchange.

37
17) Who is eligible to apply for financing from HUDCO?

Evaluation No. of Respondents Percentage

A) Only government agencies 20 35.1%

B) Individuals and private 23 40.4%

companies
C) Foreign corporations 12 21.1%

D) Educational institutions 2 3.5%

Interpretation

The following data represents, 35.1% (20 respondents) are identified only government agencies, 40.4%
(23 respondents) are identified is eligible to apply for financing from HUDCO is individuals and private
companies & 21.1% (12 respondents) that is foreign corporations, & remaining 3.5% ( 2 respondents) is
respectively.

38
18) What type of financial assistance does HUDCO provide?

Evaluation No. of Respondents Percentage

A) Education scholarships 11 19.3%

B) Agricultural loans 14 24.6%

C) Housing and infrastructure 28 49.1%

loans
D) Personal loans 4 7%

Interpretation

In the given data, 19.3% (11 respondents) are identified education scholarships, 24.6% (14 respondents)
identified agricultural loans & 49.1% (28 respondents) are correctly recognized financial assistance
HUDCO provide is housing and infrastructure loans, & remaining is the 7% (4 respondents) is personal
loans.

39
19) Under MUDRA's scheme, what is the category that offers loans up to ₹50,000?

Evaluation No. of Respondents Percentage

A) Shishu 23 40.4%

B) Kishor 17 29.8%

C) Tarun 13 22.8%

D) Laghu 4 7%

Interpretation

In the following data, 40.4% (23 respondents) are correctly identified the category that offers loans up to
₹50,000 is Shishu ,29.8% (17 respondents) recognized the scheme is Kishor & 22.8% (13 respondents)

Identified the Tarun scheme & 7% (4 respondents) remaining is the Laghu scheme.

40
20) What is the primary aim of the MUDRA Bank's credit products?

Evaluation No. of Respondents Percentage

A) To fund large infrastructure 5 8.8%
projects
B) To support the education 19 33.3%
sector
C) To provide working capital 32 56.1%
and term loans for micro and
small businesses
D) To offer personal loans to 1 1.8%
individuals

Interpretation

The given data, 8.8% (5 respondents) are identified the to fund large infrastructure projects, 33.3%

(19 respondents) are wrongly recognized to support the education sector & 56.1 %( 32 respondents)

Are correctly identified the primary aim of the MUDRA Bank is to provide working capital and term
loans for micro and small businesses and remaining is the 1.8% (1 respondents) identified to offer
personal loans to individuals.

41

21) What is HUDCO's role in urban planning?

 Evaluation No. of Respondents Percentage
A) Developing architectural 14 24.6%
designs
B) Providing funds for urban 32 56.1%
projects
C) Conducting environmental 9 15.8%
impact assessments
D) Regulating land use 2 3.5%

Interpretation

The above data, 24.6% (14 respondents) are identified developing architectural designs, & 56.1%

(32 respondents) correctly recognized the providing funds for urban projects. 15.8% (9 respondents)

Identified the conducting environmental impact assessments & 3.5% (2 respondents) that are remaining is

Regulating land use.

42
22) What is the maximum loan amount that can be availed under the Tarun category of MUDRA
loans?

Evaluation No. of Respondents Percentage

A) ₹50,000 15 26.3%

B) ₹5 lakh 16 28.1%

C) ₹10 lakh 23 40.4%

D) ₹1 crore 3 5.3%

Interpretation

The above data, 26.3% (15 respondents) are identified the maximum loan amount is ₹50,000, 28.1%

(16 respondents) correctly identified the maximum loan amount under the Tarun category of MUDRA
loans that is ₹5 lakh, & 40.4% (23 respondents) are wrongly identified the maximum amount is ₹10
lakh,

And 5.3% (3 respondents) are remaining amount of ₹1 crore.

 43

23) Who regulates and supervises HUDCO's operations in India?

Evaluation No. of Respondents Percentage

A) Reserve Bank of India 10 17.5%
(RBI)
B) Ministry of Urban 25 43.9%
Development
C) Securities and Exchange 16 28.1%
Board of India (SEBI)
D) National Housing Bank 6 10.5%
(NHB)

Interpretation

The given data, 17.5% (10 respondents) identified RBI, 43.9% (25 respondents) are correctly identified

Ministry of Urban Development, 28.1% (16 respondents) that are SEBI & remaining 10.5%

(6 respondents) identify National Housing Bank (NHB).

 44

Chapter 7

Conclusion
 Conclusion

1) A large population of MUDRA is dependent on agriculture. Rural area infrastructure invest

helps in raising the socio-economic status of the rural people.

2) It through increased income level and quality of life of people in the rural area.

3) MUDRA or HUDCO being an institute for providing credit facilities & capacity building to
medium rural economy.

4) It has great opportunity for poverty reduction and socio-economic empowerment of rural area.

46
 Chapter 8

Suggestion(s)
 Suggestion(s)

1) To refinance – short term loan: - crop loan is extended to farmers for crop production by financial
institution. Which support in ensuring food security in country.

2) Long term loan: - MUDEA or HUDCO long term refinance provides credit to financial
institutions for an amount of activities encompassing farm of non-farm activities with tenure of 18
months to more than 5 years.

3) To provide warehouse infrastructure fund.

4) To provides food processing fund.

5) To direct lending to co-operative bank, etc.

48
The questionnaire is as follow:

1) Select your gender

Male
Female

2) What does MUDRA stand for?

A) Micro Units Development and Refinance Agency

B) Housing and Urban Development Corporation
C) Municipal Development and Regulatory Authority
D) Microfinance and Urban Development Agency

3) Which category of enterprises is the primary focus of MUDRA Bank?

A) Large-scale industries
B) Medium-sized businesses
C) Small and Micro Enterprises
D) Agricultural cooperatives

4) MUDRA Bank was launched in India in which year?

A) 2010
B) 2013
C) 2015
D) 2018

5) What does HUDCO stand for?

A) Housing and Urban Development Corporation

B) Home and Urban Development Company
C) Housing and Urban Development Commission
D) Housing and Urban Development Council

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 6) When was HUDCO established in India?

A) 1950
B) 1964
C) 1978
D) 1991

7) What is HUDCO's role in India's development?

A) Regulating housing construction

B) Promoting housing and urban development
C) Managing national parks
D) Operating public transportation

8) Who is the principal shareholder of HUDCO?

A) Reserve Bank of India (RBI)

B) Ministry of Finance
C) State Governments
D) Private investors

9) What is the primary objective of MUDRA Bank in India?

A) Providing loans for large-scale industries

B) Promoting entrepreneurship and small businesses
C) Regulating the banking sector
D) Funding agricultural projects

10) Which Indian government agency is associated with the Pradhan Mantri MUDRA
Yojana (PMMY)?

A) National Aeronautics and Space Administration (NASA)

B) Ministry of Home Affairs
C) Ministry of Micro, Small, and Medium Enterprises
D) Ministry of Agriculture and Farmers Welfare

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11) Who appoints the Chairman and Managing Director of HUDCO?

A) The President of India

B) The Prime Minister of India
C) The Ministry of Finance
D) The Reserve Bank of India (RBI)

12) Which of the following is not a primary function of HUDCO?

A) Providing project finance

B) Urban planning and development
C) Housing finance
D) Infrastructure development

13) What is HUDCO's primary source of funds?

A) Tax revenue
B) International grants
C) Capital markets
D) Donor agencies

14) Which of the following is not a scheme offered by MUDRA bank?

A) Shishu
B) Nari
C) Kishor
D) Tarun

15) Which Indian state was the first to benefit from HUDCO's financial assistance?

A) Maharashtra
B) Uttar Pradesh
C) Delhi
D) West Bengal

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 16) HUDCO's bonds and debentures are traded on which stock exchange in India?

A) Bombay Stock Exchange (BSE)

B) National Stock Exchange (NSE)
C) Calcutta Stock Exchange
D) Chennai Stock Exchange
17) Who is eligible to apply for financing from HUDCO?

A) Only government agencies

B) Individuals and private companies
C) Foreign corporations
D) Educational institutions

18) What type of financial assistance does HUDCO provide?

A) Education scholarships
B) Agricultural loans
C) Housing and infrastructure loans
D) Personal loans

19) Under MUDRA's scheme, what is the category that offers loans up to ₹50,000?

A) Shishu
B) Kishor
C) Tarun
D) Laghu

20) What is the primary aim of the MUDRA Bank's credit products?

A) To fund large infrastructure projects

B) To support the education sector
C) To provide working capital and term loans for micro and small businesses
D) To offer personal loans to individuals

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21) What is HUDCO's role in urban planning?

A) Developing architectural designs

B) Providing funds for urban projects
C) Conducting environmental impact assessments
D) Regulating land use

22) What is the maximum loan amount that can be availed under the Tarun category of MUDRA
loans?

A) ₹50,000
B) ₹5 lakh
C) ₹10 lakh
D) ₹1 crore

23) Who regulates and supervises HUDCO's operations in India?

A) Reserve Bank of India (RBI)

B) Ministry of Urban Development
C) Securities and Exchange Board of India (SEBI)
D) National Housing Bank (NHB)

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Chapter 9

Annexure
 Annexure

Bibliography

Websites

https://www.hudco.org.in/

https://en.m.wikipedia.org/wiki/Housing_and_Urban_Development_Corporation

https://www.mudra.org.in

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