प्रधानमंत्री मुद्रा योजना (PMMY) — लाभ, पात्रता & आवेदन कैसे करें (2026)

अवलोकन

The Pradhan Mantri Mudra Yojana (PMMY) provides collateral-free business loans to non-corporate, non-farm small and micro-enterprises in India. Loans are provided by public, private and regional-rural banks as well as NBFCs and MFIs, under the refinance arrangement of MUDRA Ltd. The 2024 enhancement introduced a new Tarun Plus category, increasing the cap to ₹20 lakh for entrepreneurs who have previously repaid a Tarun loan.

Launched: 2015 For: Non-corporate micro-enterprises & self-employed

मुख्य लाभ

• Shishu — loan up to ₹50,000 (for new & micro enterprises).
• Kishor — ₹50,000 to ₹5 lakh (expanding businesses).
• Tarun — ₹5 lakh to ₹10 lakh (established small enterprises).
• Tarun Plus — ₹10 lakh to ₹20 lakh (post-Tarun borrowers with good repayment).
• No collateral and no processing fee (for most Shishu/Kishor loans).
• Interest rate as per RBI norms — generally 8.5–12% depending on category & lender.

पात्रता

• Indian citizen with a viable business plan in manufacturing, trading, services or allied agri-activities (excluding crop loans).
• Individual, proprietor, partnership, MSME, SHG, company — all eligible.
• No minimum credit score; however CIBIL is checked for Kishor & Tarun.
• Existing Mudra Card holders can top-up under Tarun Plus.

आवश्यक दस्तावेज

• KYC — Aadhaar, PAN, address proof
• Business plan (with projections for Kishor/Tarun)
• Proof of business existence (GST, Udyam, shop establishment)
• Bank statement of last 6 months
• Income/ITR of last 2 years (for higher slabs)
• Quotations for machinery (if asset finance)

आवेदन कैसे करें — स्टेप बाय स्टेप

1. Visit the nearest bank (PSB, private, RRB) or apply online via JanSamarth / Udyamimitra.
2. Choose the loan category (Shishu / Kishor / Tarun / Tarun Plus).
3. Submit application form with KYC + business documents.
4. Bank does assessment, sanctions loan and disburses via RuPay Mudra Card or bank transfer.

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