Pradhan Mantri Mudra Yojana (PMMY)
Pradhan Mantri Mudra Yojana — non-corporate, non-farm small/micro enterprises ke liye government-backed loan scheme. Shishu, Kishor, Tarun — 3 categories me available.
Scheme Overview
Pradhan Mantri Mudra Yojana (PMMY) Government of India ki ek major scheme hai jo April 2015 me launch hui thi. Iska main objective hai 'funding the unfunded' — yani jo small business owners formal credit system se cut off hain, unhe institutional credit me lana. PMMY ke under, eligible banks (public sector banks, regional rural banks, NBFCs, MFIs) loans deti hain non-corporate, non-farm small/micro enterprises ko jinka credit need ₹10 lakh tak hai.
Scheme Categories & Coverage
| Category | Limit/Coverage | Description |
|---|---|---|
| Shishu | Up to ₹50,000 | Naya business start karne ke liye. Vendor, hawker, small shop owner. |
| Kishor | ₹50,001 to ₹5 Lakh | Established business expand karne ke liye. Inventory, equipment. |
| Tarun | ₹5,00,001 to ₹10 Lakh | Bada expansion, new branch, advanced equipment ke liye. |
| Tarun Plus | ₹10,00,001 to ₹20 Lakh (May 2024 update) | Larger ticket size for proven Tarun loan beneficiaries. |
Note: Indicative figures from publicly available government sources. Subject to scheme revisions and lender's discretion.
Eligibility Criteria
- Indian citizen with non-corporate, non-farm small/micro enterprise
- Manufacturing, trading, services, agri-allied activities eligible
- No collateral required (Mudra loans are typically collateral-free)
- Existing business OR new venture both eligible
- Age criteria: typically 18-65 years (lender-specific)
- Good credit history preferred but not always mandatory for Shishu category
Required Documents
- Identity proof: Aadhaar, PAN, Voter ID, Passport, Driving License
- Address proof: Aadhaar, utility bill, rent agreement
- Business proof: GST registration, trade license, shop establishment
- Bank statements (6-12 months)
- ITR (if applicable)
- Business plan or quotation (for new ventures)
- Passport-size photographs
- PMMY application form (provided by lender)
Specific documentation requirements may vary by lender, region, and scheme version. Verify with implementing agency.
Application Process
- Eligible bank/NBFC/MFI visit karo (PSU banks, RRBs, leading private banks Mudra loans deti hain)
- Mudra application form bharkar submit karo with documents
- Bank ki internal credit appraisal hoti hai
- Approval ke baad sanction letter milta hai
- Disbursement bank account me hota hai
- Mudra Card (debit card) bhi mil sakta hai working capital ke liye (Kishor/Tarun)
Key Benefits
- Collateral-free loans up to ₹10 lakh (₹20 lakh for Tarun Plus)
- Subsidized interest rates (lender-specific, typically lower than regular business loans)
- Flexible tenure — typically 3-5 years
- Working capital + term loan dono possible
- Women entrepreneurs ko priority + concessional rates kuch lenders deti hain
- No processing fee for Shishu category (lender-specific)
🚀 General Guidance Needed?
ProWiderKart facilitator se free jaankari le sakte ho — general information aur eligibility direction ke liye.
💬 WhatsApp Free JaankariFrequently Asked Questions
PMMY ke under maximum loan kitna mil sakta hai?
Maximum loan amount Tarun Plus category me ₹20 lakh tak hai (May 2024 update). Standard Tarun ₹10 lakh tak. Shishu category ₹50,000 tak hai, Kishor ₹5 lakh tak.
Kya collateral chahiye Mudra loan ke liye?
Mudra loans typically collateral-free hain. Lender bank's internal policy ke according kabhi-kabhi additional security request ki ja sakti hai bade amounts (₹5+ lakh) ke liye.
Mudra loan ke liye eligible enterprises kaunse hain?
Non-corporate, non-farm small/micro enterprises engaged in manufacturing, trading, services, ya agri-allied activities. Vendors, hawkers, small shop owners, artisans, food processors — sab eligible hain.
Mudra loan ki interest rate kya hoti hai?
Interest rate lender-specific hoti hai aur RBI guidelines ke under aati hai. Typically regular business loans se thodi lower hoti hai. Exact rate eligibility aur lender ki policy par depend karta hai.
PMMY application kahan se submit karein?
Authorized lenders — Public Sector Banks, Regional Rural Banks (RRBs), Private Banks, NBFCs, Micro Finance Institutions (MFIs), Small Finance Banks. Mudra.org.in pe complete list available hai.
Kya Mudra loan ke liye CIBIL score mandatory hai?
Generally credit history check hoti hai, lekin Shishu category me first-time borrowers ke liye flexibility hoti hai. Established business owners ke liye CIBIL score helpful hota hai (650+ preferred).
Related Government Schemes
Is Yojana Ka Daayra Kis Tak Hai
Is yojana ka daayra micro level ke kaam tak hai, aur usme lagbhag har tarah ka chhota kaam aata hai: dukaan, sewa, chhota manufacturing, transport, aur agri se jude kaam. Isme teen stage hain aur wo raqam ke hisaab se bante hain, matlab aap apne kaam ke aakaar ke hisaab se shuru karte hain aur aage badhte hain. Sabse ahem baat ye hai ki ye collateral free hai, aur wahi is yojana ka asli faayda hai un logon ke liye jinke paas girvi rakhne ko kuch nahi. Meri seedhi salah: pehla kadam Udyam registration hai, jo free hai, aur uske bina zyadatar raasta khulta hi nahi.
Aavedan Ke Liye Kya Taiyar Rakhein
Char cheezein. Pehli, Udyam registration. Doosri, business ka koi record, chahe wo bank statement ho ya khareed aur bikri ka register. Teesri, pehchaan aur address ke kaagaz. Chauthi, apni zaroorat ka saaf khaka, matlab paisa kis cheez ke liye chahiye. Aur ek baat aur, pehle stage ka repayment record hi aapko agle stage tak le jaata hai, isliye wo sabse zyada mayne rakhta hai. Aap khud sochiye, chhoti kist samay par chukana kitna mushkil hai? Bilkul nahi, par wahi poora raasta khol deta hai. ProWiderKart ek facilitator hai.
Yahan Log Sabse Zyada Chook Jaate Hain
- Udyam registration na karwana.
- Apne kaam ke aakaar se galat stage chunna.
- Business ka koi record na rakhna.
- Pehle stage ka repayment record kharab hone dena.
- Zaroorat ka khaka saaf na banana.