Pradhan Mantri MUDRA Yojana (PMMY)

हे काय आहे?

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.

संभाव्य 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.

कोण अर्ज करू शकते?

• You run a business or want to start one

  ही माहिती कोठून आली

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

  अधिकृत स्रोत ↗
• Age 18 or above

  ही माहिती कोठून आली

  non-corporate, non-farm small/micro enterprises

  अधिकृत स्रोत ↗
• Your situation fits the kind of enterprise the scheme funds हे बंधनकारक नाही, पण तुमची शक्यता वाढवते

  ही माहिती कोठून आली

  non-corporate, non-farm micro and small enterprises

  अधिकृत स्रोत ↗

सरकारने सांगितलेल्या इतर अटी

• 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.

पात्रतेची माहिती केवळ माहितीसाठी दिली आहे. अंतिम पात्रता व मंजुरी संबंधित सरकारी प्राधिकरण ठरवते.

तुम्हाला लागणारी कागदपत्रे

आम्हाला अधिकृत स्रोतावरून कागदपत्रांची यादी निश्चित करता आली नाही, म्हणून अंदाज लावण्याऐवजी आम्ही ती वगळली आहे. वर दिलेल्या अधिकृत स्रोतावर पहा.

अर्ज कसा करावा

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.

अर्ज कुठे करावा: online and bank

अंतिम मुदत

ठराविक अंतिम मुदत नाही. अर्ज सतत स्वीकारले जातात.