Pradhan Mantri MUDRA Yojana (PMMY)

यह क्या है?

PMMY channels small business credit to people who normally fall outside formal bank lending: shopkeepers, vendors, service providers, small manufacturers and transport operators. Loans are given without collateral, and you deal directly with a lending institution rather than with MUDRA itself.

Lending is organised into stages that track how established the business is. Shishu covers the smallest first loans, Kishor a business finding its feet, and Tarun enterprises that are scaling up. A fourth tier added in 2024 rewards borrowers who have already repaid a Tarun loan by opening access to a higher limit.

MUDRA Ltd does not lend to individuals. It refinances and supports the banks, regional rural banks, small finance banks, non-banking finance companies and microfinance institutions that actually make the loans.

संभावित लाभ

₹50,000 – ₹20,00,000 loan amount

Collateral-free loans in four tiers: Shishu up to Rs 50,000, Kishor above Rs 50,000 to Rs 5 lakh, Tarun above Rs 5 lakh to Rs 10 lakh, and Tarun Plus above Rs 10 lakh to Rs 20 lakh for borrowers who have repaid a previous Tarun loan. Sanction is at the lender's discretion.

कौन आवेदन कर सकता है?

• You run a business or want to start one

  यह जानकारी कहाँ से आई

  providing loans up to 10 lakh to the non-corporate, non-farm small/micro enterprises

  आधिकारिक स्रोत ↗
• Age 18 or above

  यह जानकारी कहाँ से आई

  non-corporate, non-farm small/micro enterprises

  आधिकारिक स्रोत ↗
• Your situation fits the kind of enterprise the scheme funds यह अनिवार्य नहीं है, पर आपकी संभावना बढ़ाता है

  यह जानकारी कहाँ से आई

  non-corporate, non-farm micro and small enterprises

  आधिकारिक स्रोत ↗

सरकार द्वारा बताई गई अन्य शर्तें

• The business must be a non-corporate, non-farm micro or small enterprise in manufacturing, trading, services or activities allied to agriculture.
• The Tarun Plus tier of Rs 10 lakh to Rs 20 lakh is open only to borrowers who have already repaid a previous Tarun loan.
• No age limit, income limit, gender rule, caste rule or rural/urban rule was found on any official source.

पात्रता संबंधी जानकारी केवल सूचना के उद्देश्य से दी गई है। अंतिम पात्रता और स्वीकृति का निर्णय संबंधित सरकारी प्राधिकरण करता है।

आपको जिन दस्तावेज़ों की ज़रूरत होगी

हम किसी आधिकारिक स्रोत से दस्तावेज़ों की सूची की पुष्टि नहीं कर पाए, इसलिए अनुमान लगाने के बजाय हमने इसे छोड़ दिया है। ऊपर दिए आधिकारिक स्रोत पर देखें।

आवेदन कैसे करें

Approach any participating bank, regional rural bank, small finance bank, non-banking finance company or microfinance institution directly, or apply online through a government credit portal. MUDRA itself does not lend and does not use agents or intermediaries. The lender assesses your proposal and sanctions under the appropriate tier.

आवेदन कहाँ करें: online and bank

अंतिम तिथि

कोई निश्चित अंतिम तिथि नहीं। आवेदन लगातार स्वीकार किए जाते हैं।