Pradhan Mantri Mudra Yojana (PMMY) — Benefits, Eligibility & Apply Kaise Karein (2026)
Bina collateral ke ₹20 lakh tak business loan
Overview
Pradhan Mantri Mudra Yojana (PMMY) India ke non-corporate, non-farm chhote aur micro-enterprises ko bina collateral ke business loans deti hai. Yeh loans public, private aur regional-rural banks ke saath NBFCs aur MFIs bhi dete hain, MUDRA Ltd ke refinance arrangement ke under. 2024 enhancement mein ek naya Tarun Plus category aaya, jisme un entrepreneurs ke liye cap ₹20 lakh ho gaya jinne pehle Tarun loan repay kiya hai.
Shuru: 2015 Kiske Liye: Non-corporate micro-enterprises & self-employed
Key Benefits
- Shishu — ₹50,000 tak loan (naye & micro enterprises ke liye).
- Kishor — ₹50,000 se ₹5 lakh (badhte hue businesses ke liye).
- Tarun — ₹5 lakh se ₹10 lakh (established chhote enterprises ke liye).
- Tarun Plus — ₹10 lakh se ₹20 lakh (Tarun repay karne wale borrowers ke liye).
- Koi collateral nahi aur koi processing fee nahi (zyaadatar Shishu/Kishor loans ke liye).
- Interest rate RBI norms ke hisaab se — generally 8.5–12% category & lender pe depend karta hai.
Eligibility
- Indian citizen jiske paas manufacturing, trading, services ya allied agri-activities mein viable business plan ho (crop loans chhod ke).
- Individual, proprietor, partnership, MSME, SHG, company — sab eligible hain.
- Koi minimum credit score nahi chahiye; lekin Kishor & Tarun ke liye CIBIL check hota hai.
- Existing Mudra Card holders Tarun Plus ke under top-up le sakte hain.
Zaroori Documents
- KYC — Aadhaar, PAN, address proof
- Business plan (Kishor/Tarun ke liye projections ke saath)
- Business existence ka proof (GST, Udyam, shop establishment)
- Pichle 6 mahine ki bank statement
- Pichle 2 saal ki Income/ITR (higher slabs ke liye)
- Machinery ke quotations (agar asset finance ho)
Apply Kaise Karein — Step by Step
- Nearest bank (PSB, private, RRB) mein jaao ya online apply karo JanSamarth / Udyamimitra pe.
- Loan category choose karo (Shishu / Kishor / Tarun / Tarun Plus).
- Application form submit karo KYC + business documents ke saath.
- Bank assessment karega, loan sanction karega aur RuPay Mudra Card ya bank transfer se disburse karega.
Aksar Poochhe Jaane Wale Sawaal
Kya Mudra loan sachchi mein collateral-free hai?
Haan. PMMY ke under, banks sanctioned amount tak collateral security ya third-party guarantee nahi maang sakte.
Mudra mein Tarun Plus kya hai?
Tarun Plus ek naya category hai (2024) jo ₹10 lakh–₹20 lakh ke loans deta hai un entrepreneurs ko jinne pehle Tarun loan liya aur successfully repay kiya hai.
Kya Mudra loan ke liye CIBIL score chahiye?
Bahut low ya poor score se aapke chances kam hote hain, khaaskar Kishor aur Tarun ke liye. ₹50,000 tak ke Shishu loans mein thodi zyada chhoot milti hai.
Kya salaried employees Mudra loan le sakte hain?
Nahi. Mudra sirf non-corporate, non-farm chhote/micro enterprises aur self-employed individuals ke liye hai — salaried employees ke liye nahi.
Related Govt Schemes
PM Awas Yojana (PMAY)
Sabke Liye Ghar — home loan pe ₹2.67 lakh tak interest subsidy
Sukanya Samriddhi Yojana (SSY)
Beti ke liye sabse best small-savings scheme — 8.2% tax-free
PM Jan Dhan Yojana (PMJDY)
Zero-balance bank account + ₹2 lakh accident insurance
Atal Pension Yojana (APY)
60 ke baad ₹1,000 se ₹5,000 per month guaranteed pension
PM Kisan Samman Nidhi
Har saal ₹6,000 seedha farmer ke bank account mein
Ayushman Bharat (PM-JAY)
Har family ko ₹5 lakh per year health cover, 27,000+ hospitals mein