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💼CentralPM Mudra Loan (PMMY)
प्रधानमंत्री मुद्रा योजना
BenefitLoan up to ₹20 lakh
Who is eligibleSmall businesses, self-employed & micro enterprises
Ministry / Dept.Dept. of Financial Services
Last dateOpen / ongoing
What is the scheme?
PM Mudra Yojana gives non-farm micro and small enterprises collateral-free loans, to 'fund the unfunded'.
Key Benefits
- Collateral-free loan (CGTMSE)
- Tiers: Shishu ≤₹50k, Kishore ₹50k–5L, Tarun ₹5–10L, Tarun Plus ₹10–20L
- Mudra RuPay card
- No processing fee on Shishu loans
Eligibility (Who can apply?)
- Non-farm micro/small business
- Tarun Plus only after successful Tarun repayment
- Farm-allied (dairy, poultry) eligible
Documents Required
- Aadhaar & PAN
- Business proof
- Bank statement
- Address proof
How to Apply
- Apply at bank/NBFC or jansamarth.in
- Choose the tier
- Submit documents
- Get the Mudra card
Frequently Asked Questions
Need collateral?No, fully collateral-free.
Interest rate?Based on the bank's MCLR.
Who gets ₹20 lakh?Only under Tarun Plus.
Stay alert — avoid fraud: Genuine government schemes are always free or officially subsidised. Never pay an agent, never download APKs from unknown links, and never share your bank/OTP details. Apply only through official .gov.in portals.