Pradhan Mantri Mudra Yojana (PMMY)

Submitted by admin on Fri, 01/08/2025 - 16:32
CENTRAL GOVT CM
Scheme Open
PMMY Logo
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Highlights
  1. Loan Upto Rs. 20,00,000/- Lakh without any collateral/Security.
  2. Repayment of Loan in 5 years.
  3. No Process Fee Charged Against The Loan
Website
MUDRA Official Website
Udyamitra Official Website
Customer Care
Information Brochure
Mudra Loan Scheme Features
Overview Of The Scheme
Name Of The SchemePradhan Mantri Mudra Yojana(PMYY)
Launched On8th Of April, 2015.
Launched ByPrime Minister Of India Sh. Narendra Modi
Benefit Of The SchemeCredit Loan upto Rs. 10 Lakhs without any Collateral/Security.
Repayment Time Period5 years
Sections Of The Scheme
  1. Shishu(Loans upto Rs. 50,000/-)
  2. Kishor(Loans above Rs. 50,000/- and upto Rs. 5,00,000/-)
  3. Tarun(Loans above Rs. 5,00,000/- and upto Rs. 10,00,000/-
  4. Tarun Plus(Loans above Rs. 10,00,000/- and upto Rs. 20,00,000/-
Rate Of InterestAs Per Bank Guidelines
EligibilityAll the activities of manufacturing, trading and services are eligible for Mudra Loan.
Official Websitehttps://www.mudra.org.in/
How to ApplyThrough Online portal of Udyamimitra or A person can directly go to the branch of a bank and apply for a loan under the Mudra Yojana.

Introduction

  • Prime Minister Of India Sh. Narendra Modi launched a scheme "Pradhan Mantri Mudra Yojana on April 8, 2015 at Vigyan Bhawan New Delhi.
  • MUDRA stands for Micro Units Development & Refinance Agency Ltd.
  • MUDRA is a Non Banking Finance Institution with the RBI and registered as a company under the Companies Act 2003.
  • It is a subsidiary of Small Industries Development Bank Of India.(SIDBI)
  • MUDRA does not gives Loan directly to the micro entrepreneurs or individuals.
  • Through Pradhan Mantri Mudra Yojana, MUDRA loans can be availed from any branch of Bank, Non-Banking Finance Institution, and Micro Finance Institution.
Types Of Loan Under Mudra Yojana
ShishuKishorTarun
Loan Upto Rs. 50,000/-Loan of above Rs.50,000/- and Upto Rs.5,00,000/-Loan of above Rs.5,00,000/- and upto Rs.10,00,000/-
Entrepreneurs in a primary stage of their business or require lesser funds to get their businesses started can avail the benefit through Shishu section of Mudra Scheme.Already Started Businesses who wants additional funds to push their businesses further can take benefit under Kishor section of Mudra Scheme.This is the highest amount of startup loan which beneficiary can avail through Tarun section of Mudra Scheme.
No Processing Fees ChargedNo Processing Fees ChargedNo Processing Fees Charged
No Collateral RequiredNo Collateral RequiredNo Collateral Required
Repayment Of Loan Extended upto 5 YearsRepayment Of Loan Extended upto 5 YearsRepayment Of Loan Extended upto 5 Years
Rate Of Interest As Per Bank GuidelinesRate Of Interest As Per Bank GuidelinesRate Of Interest As Per Bank Guidelines
Applicant Should Not Be A Defaulter Of Any Financial Institution Or BankApplicant Should Not Be A Defaulter Of Any Financial Institution Or BankApplicant Should Not Be A Defaulter Of Any Financial Institution Or Bank

Documents Required:-

  • Self Attested Copy Of Proof Of Identity
  • Proof Of Residence
  • 2 Recent Photographs Of The Applicant(Not More Than 6 Months Old)
  • Quotation(If loan is to be taken for purchasing of business related item)
  • Proof Of Identity Of Business Enterprises
  • Proof Of Category If Applicant Belongs To Schedule Cast/Schedule Tribe/Other Backward Class/Minority etc.

Documents Required:-

  • Self Attested Copy Of Proof Of Identity
  • Proof Of Residence
  • 2 Recent Photographs Of The Applicant(Not More Than 6 Months Old)
  • Quotation(If loan is to be taken for purchasing of business related item)
  • Proof Of Identity Of Business Enterprises
  • Proof Of Category If Applicant Belongs To Schedule Cast/Schedule Tribe/Other Backward Class/Minority etc.

Documents Required:-

  • Self Attested Copy Of Proof Of Identity
  • Proof Of Residence
  • 2 Recent Photographs Of The Applicant(Not More Than 6 Months Old)
  • Quotation(If loan is to be taken for purchasing of business related item0
  • Proof Of Identity Of Business Enterprises
  • Proof Of Category If Applicant Belongs To Schedule Cast/Schedule Tribe/Other Backward Class/Minority etc.
Application Form And Check List Of ShishuApplication Form And Check List Of Kishor And Tarun

Objective

  • Main objective is to develop the people and businesses of micro sector in country by supporting them financially.
  • To help small business owners by supporting them financially.
  • To support non-corporate business sector, activities of micro and small entities, non-farm sector activities with credit need upto Rs 10 Lakhs.
  • To help micro units engaged in manufacturing, processing, trading and services sector.

Eligible Activities Which Covered Under Pradhan Mantri Mudra Yojana

Business Activities that are eligible under Pradhan Mantri Mudra Yojana
Transport Vehicle

List Of vehicles that covered under Mudra Loan for purchase are as follows:-

  • Vehicle used in Transportation Of Goods.
  • Passenger Vehicles such as Auto Rickshaw, Small Goods Transport Vehicle, 3 Wheelers, E- Rickshaws, Taxis, etc.
  • Tractors/Tractor Trolleys/Power Tillers which meant for commercial purpose use only.
  • Two Wheelers used for commercial purpose.
Social, Community & Personal Activities
  • Salons
  • Beauty Parlours
  • Gymnasium
  • Boutiques
  • Tailoring Shop
  • Dry Cleaning
  • Cycle And Motorcycle Repair Shop
  • DTP and Photocopying Facilities
  • Medicine Shops
  • Courier Agents, etc.
Food Product Related Sector
  • Activities Such as Papad Making, Achaar Making, Jam/Jelly Making
  • Sweet Shops
  • Day to Day Canteen/Catering Services and Small Food Stalls
  • Cold Chain Vehicles
  • Cold Storages
  • Ice Making Units
  • Ice Cream Making Units
  • Biscuit, Bread and Bun Making etc.
Textile Activities
  • Handloom, Powerloom, Khadi Activity
  • Chikan Work, Zari and Zardozi Work, Traditional Embroidery and Hand Work
  • Traditional Dyeing and Printing
  • Apparel Design, Knitting, Cotton Ginning
  • Computerized Embroidery
  • Stitching and Other Non Garment Products Such As Bag, Vehicle Accessories, Furnishing Accessories, etc.
Loans For Traders And ShopkeepersIndividuals running their Shops/Trading & Business Activities/ Service Enterprise and Non-Farm Income generating activities are eligible to get a financial support of up to Rs. 10,00,000/- Lakhs per enterprise/person for their businesses.
Loan For Equipment PurchaseAny Person keen to setting up his/her micro enterprise by purchasing machinery or equipment are eligible to avail the beneficiary loan size up to Rs. 10,00,000/- Lakh for machine/equipment purchase.
Activities that are allied to agriculture

All the activities that are allied to agriculture are eligible to get the loan under Pradhan Mantri Mudra Yojana. Such Activities are as Follows:-

  • Pisciculture
  • Bee Keeping
  • Poultry
  • Livestock
  • Dairy
  • Agriclinics
  • Agribusiness Centres
  • Food & Agro-Processible etc.

How To Apply For Pradhan Mantri Mudra Yojana

A person can avail the benefit of Pradhan Mantri Mudra Yojana through two ways:-

  1. Offline Mode:-
    • Step 1- Go to Your nearest bank branch or in that bank branch from where you want to take a Mudra Loan.
    • Step 2- Take an Application Form for Mudra Loan from bank officials and fill it clearly.
    • Step 3- Attach all the required documents such as:- ID Proof ( Aadhar, Voter Id, PAN Card, Driving License etc.), Address Proof (Electricity Bill, Telephone Bill, Gas Bill, Water Bill etc.), and Proof Of Business (Business Registration Certificate etc.) with the application form
    • Step 4- Submit the application form with the documents to Bank officials.
    • Step 5- Bank officials scrutinized the documents and let you know after some period of time that you are eligible for loan or not.
  2. Online Mode:-
    • Step 1- First go to web portal of Udyamitra
    • Step 2- Click on the Mudra Loans
    • Step 3- Then click on Apply here for Registration
    • Step 4- Create a profile by entering Name of Applicant, Email(optional) and Phone number of the applicant
    • Step 5- An OTP is generated, after filling it an online application form is opened for applicant profile.
    • Step 6- After Filling all the necessary details save and submit the application.
    • Step 7- Once an applicant registered himself/herself on the portal, the application shall be viewed by all the lenders for credit support and they will contact the applicant themselves.

MUDRA Card

MUDRA Card is a debit card issued when a person get a loan under the Pradhan Mantri Mudra Yojana. It is same like the normal debit card. Through MUDRA Card a borrower can make multiple withdrawals and credits time to time to manage the working capital limit. MUDRA Card can operated anywhere in the country for withdrawal of cash from any bank ATM or micro ATM and also make payment through any Point Of Sale Machines.

Mudra Card Image
List of Financial Institution Under Mudra Scheme 
Public Sector Banks:-Bank Of BarodaBank Of IndiaBank Of MaharashtraCanara BankIndian Bank 
Indian Overseas BankPunjab National BankPunjab & Sindh BankUnion Bank Of IndiaUCO Bank 
Private Sector BanksAxis BankBandhan BankCSB BankCity Union BankDCB Bank 
Dhanlaxmi BankFederal BankHDFC BankICICI BankIDBI Bank 
IDFC FIRST BankIndusInd BankJ&K BankKarnataka BankKarur Vysya Bank 
Kotak Mahindra BankNainital BankRBL BankSouth Indian BankTamilnad Mercantile Bank 
YES Bank 
Other Financial InstitutionsState Operated Cooperative BanksRegional Rural BanksMicro Finance Offering InstitutionsFinancial Companies Other Than Bank
Amount Disbursed Under Pradhan Mantri Mudra Yojana
Financial Year2015-20162016-20172017-20182018-20192019-20202020-2021
Number Of Loans Sanctioned34889243970104748130593598703186224760650735046
Amount SanctionedRs. 137449.27 CroreRs. 180528.54 CroreRs. 253677.10 CroreRs. 321722.79 CroreRs. 337495.53 CroreRs. 321759.25 Crore
Amount DisbursedRs.132954.73 CroreRs.175312.13 CroreRs.246437.40 CroreRs.311811.38 CroreRs.329715.03 CroreRs.311754.47 Crore

Important Links

  1. Official Website Of MUDRA
  2. MUDRA New User Registration
  3. Official Website Of Udyamimitra
  4. Online Application Registration For MUDRA Loan
  5. Already Registered User Login
  6. Application Forms For Mudra Loan

National Toll Free Number

  1. 1800 180 1111
  2. 1800 11 0001
State Toll Free Numbers For Pradhan Mantri Mudra Yojana
Andaman & Nicobar Island18003454545Andhra Pradesh18004251525    
Bihar18003456195Chandigarh18001804383    
Daman & Diu18002338944Goa18002333202    
Himachal Pradesh18001802222Jammu & Kashmir18001807087    
Kerala180042511222Lakshadweep0484-2369090    
Manipur18003453988Meghalaya18003453988    
NCT Of Delhi18001800124Orissa18003456551    
Rajasthan18001806546Sikkim18003453988    
Tripura18003453344Uttar Pradesh18001027788    
Arunachal Pradesh18003453988Assam18003453988    
Chattisgarh18002334358Dadra & Nagar Haveli18002338944    
Gujarat18002338944Haryana18001802222    
Jharkhand18003456576Karnataka180042597777    
Madhya Pradesh18002334035Maharashtra18001022636    
Mizoram18003453988Nagaland18003453988    
Puducherry18003453988Punjab18001802222    
Tamil Nadu18004251646Telangana18004258933    
Uttarakhand18001804167West Bengal18003453344    

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Comments

Submitted by tarun (not verified) on Fri, 22/04/2022 - 16:26

interest rate kitna lgega

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Submitted by sadik (not verified) on Tue, 12/07/2022 - 22:42

dairy kholne ke liye bhi mil…

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Submitted by rajeev (not verified) on Fri, 19/08/2022 - 22:14

1 category me loan lene ke…

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Submitted by zunaid siddiqui (not verified) on Wed, 09/11/2022 - 22:25

bank asking me for…

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Submitted by Sambit (not verified) on Wed, 23/11/2022 - 21:58

collateral needed or not in…

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Submitted by Praveen Jha (not verified) on Thu, 01/12/2022 - 21:19

what type of document needed…

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Submitted by rangotarvind37… (not verified) on Sat, 08/06/2024 - 21:53

Computer

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Comment

Computer class

Submitted by rangotarvind37… (not verified) on Sat, 08/06/2024 - 21:53

Computer

Your Name
Arvind rangot
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Computer class

Submitted by Cbamhure@gmail.com (not verified) on Mon, 22/07/2024 - 18:22

Fruts ki dukaan

Your Name
Chainendra bamhure
Comment

Fruts ki dukaan kholna h

Submitted by ghousesghouse3… (not verified) on Fri, 11/07/2025 - 00:22

House

Your Name
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