Literature review investigates PMMY's impact on entrepreneurship in Pune, indicating pathways for future growth.
This research investigates the longitudinal influence of the Pradhan Mantri Mudra Yojana (PMMY) on fostering grassroots entrepreneurship and technological innovation within the urban and semi-urban landscapes of Pune City, Maharashtra. By synthesizing a decade of archival data and scholarly discourse from 2015 to 2025, the study maps the structural transition of micro-enterprises from survival-based activities toward the "Vikasit Bharat 2047" paradigm. The analysis reveals a significant evolutionary shift, particularly post-2022, where credit accessibility has catalyzed the adoption of green technologies and digital automation among micro-units. Utilizing a Systematic Literature Review (SLR) methodology, the findings highlight a 12% increase in the transition from Kishore to Tarun loan categories within the Pune industrial belt, indicating a strengthening of the entrepreneurial middle class. However, the study also identifies a persistent "Digital Divide" in semi-urban fringes that threatens inclusive growth. The research concludes that for India to achieve its developed nation status by 2047, PMMY must evolve into a "Credit Plus" framework, integrating financial assistance with localized technical mentorship and cluster-based monitoring. This synthesis provides a strategic roadmap for leveraging micro-finance as a primary driver of national industrial self-reliance and global competitiveness.
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Ronkhede et al. (2026) studied this question.
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