Home / Central Yojana / PM Mudra Loan

Central — pure Bharat ke liye

Pradhan Mantri Mudra Yojana (PMMY)

प्रधानमंत्री मुद्रा योजना

PM Mudra Loan — Chhote vyapar ke liye loan — Shishu ₹50,000 tak, Kishore ₹5 lakh tak, Tarun ₹10 lakh tak, Tarun Plus ₹20 lakh tak

Seedha jawaab: Chhote vyapar ke liye loan — Shishu ₹50,000 tak, Kishore ₹5 lakh tak, Tarun ₹10 lakh tak, Tarun Plus ₹20 lakh tak.

Vibhag: Vitt Mantralaya / MUDRA (Micro Units Development & Refinance Agency), SIDBI ke antargat · Official portal: www.mudra.org.in · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

Pradhan Mantri Mudra Yojana (8 April 2015 se) gair-corporate, gair-krishi chhote/sukshm udyamon (non-farm micro enterprises) ko loan dilane ki yojana hai. Loan sidha MUDRA sanstha nahi deti — bank, RRB, Small Finance Bank, MFI aur NBFC dete hain, aur aavedan shakha par ya Udyamimitra portal (udyamimitra.in) se hota hai. Loan ki chaar shreniyan vyapar ke charan ke hisab se hain: Shishu (₹50,000 tak), Kishore (₹50,000 se ₹5 lakh), Tarun (₹5 lakh se ₹10 lakh) aur Tarun Plus (₹10 lakh se ₹20 lakh — un udyamiyon ke liye jinhone Tarun loan safalta se chukaya ho). Dhyan dein: ye loan hai, muft paisa ya subsidy nahi — byaj sahit samay par chukana hota hai, aur byaj dar bank ke niyamon ke anusaar tay hoti hai.

Kaun patr hai ✓

  • Bharatiya nagrik jo gair-krishi chhota vyapar/udyam chalata hai ya shuru karna chahta hai — dukaan, seva (service), utpadan (manufacturing), trading aadi
  • Vyakti, proprietorship, partnership firm, private limited company aur anya chhoti ikaiyan
  • Aavedak kisi bank/vittiya sanstha ka defaulter (chuka hua doshi/loan na chukane wala) na ho
  • Vyapar ki saral yojana (project/business plan) aur bank ke maange dastavej poore hon — antim nirnay bank apni janch ke baad leta hai

Kaun patr NAHI hai ✗

  • Krishi (kheti) ke kaam ke liye ye loan nahi hai — kheti ke liye Kisan Credit Card jaise alag vikalp hain (krishi se judi sahayak gatividhiyan, jaise poltry/dairy, bank ke niyamon se ho sakti hain)
  • Bade corporate udyam is yojana ke dayre me nahi aate
  • Jo vyakti pehle se kisi bank ka loan defaulter hai, use naya loan milna mushkil hai
  • Koi bhi 'agent' ya 'facilitator' MUDRA dwara niyukt nahi hai — official suchna ke anusaar aise vyaktiyon se door rahein

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Apni shreni tay kareinZaroorat ke hisab se shreni chunein — naya chhota kaam: Shishu (₹50,000 tak); badhta vyapar: Kishore (₹5 lakh tak); vistar: Tarun (₹10 lakh tak); Tarun safal chukane walon ke liye Tarun Plus (₹20 lakh tak).
  2. Bank shakha ya Udyamimitra portalApne khaate wale bank ki shakha par jayein ya udyamimitra.in par online aavedan karein. MUDRA khud loan nahi deta — loan bank/NBFC/MFI deta hai.
  3. Form aur dastavej jama kareinLoan form ke saath KYC, vyapar saboot, bank statement aur project yojana jama karein. Bank aapki yojana aur chukane ki kshamata ki janch karega.
  4. Manzoori aur rakamManzoori ke baad loan khaate me aata hai; kabhi-kabhi Mudra Card (debit card jaisi suvidha) bhi diya jata hai jisse karyasheel poonji (working capital) ki zaroorat poori hoti hai.
  5. Agent se bacheinMUDRA ki official chetaavni: loan ke liye koi agent/madhyasth niyukt nahi hai. Commission mange to mana karein aur seedha bank jayein.

Status / kist kaise check karein

  1. Aavedan ki sthitiJis shakha/portal se aavedan kiya hai, wahi se sthiti milegi — shakha ke loan adhikari se application/sanction number lekar follow-up karein. Udyamimitra par aavedan kiya ho to wahan login karke sthiti dekhein.
  2. Der ya mana hone parWajah likhit me puchein — aam taur par dastavej ki kami ya vyapar yojana ki spashtata ka karan hota hai. Kami poori karke dobara aavedan sambhav hai; dusre bank/NBFC me bhi prayas ho sakta hai.
  3. Byaj aur kist ki sharteinByaj dar aur chukane ki avadhi bank ke anusaar hoti hai — sanction letter me di gayi shartein dhyan se padhein. Koi ek 'poori India ke liye ek byaj dar' nahi hai.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (www.mudra.org.in) se karein.

Aksar puche jaane wale sawal (FAQ)

Mudra loan me kitne paise mil sakte hain?

Shreni ke hisab se — Shishu ₹50,000 tak, Kishore ₹50,000 se ₹5 lakh tak, Tarun ₹5 lakh se ₹10 lakh tak aur Tarun Plus ₹10 lakh se ₹20 lakh tak (Tarun Plus unke liye hai jinhone Tarun loan safalta se chukaya ho). Ye seemayein MUDRA ki official website par di gayi hain.

Kya ye paisa muft milta hai?

Nahi. Ye loan hai — byaj sahit chukana hota hai. Byaj dar bank tay karta hai. Jo vyakti ise 'sarkari muft paisa' batakar fees mange, wo thagi hai.

Loan kahan se milega?

Kisi bhi bank (sarkari/private), RRB, Small Finance Bank, MFI ya NBFC ki shakha se, ya Udyamimitra portal (udyamimitra.in) par online aavedan karke. MUDRA sanstha seedha loan nahi deti.

Kya bina guarantee loan milta hai?

Yojana ki bhavna chhote udyamiyon ko bina collateral (girvi) ke loan uplabdh karane ki hai, lekin antim nirnay aur shartein bank apni neeti aur aapki profile ke hisab se tay karta hai. Shakha se apne mamle ki shartein pehle hi spasht kar lein.

Kheti ke liye Mudra loan milega?

Nahi, PMMY gair-krishi (non-farm) udyamon ke liye hai. Kheti ke liye Kisan Credit Card aur krishi loan ki alag suvidhaein hain.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

Doston-parivaar ko bhejein

Ye poster WhatsApp par forward karne ke liye hai — jise is yojana ki zaroorat ho, us tak sahi jankari pahunchayein.

PM Mudra Loan — WhatsApp share poster

Log Ye Bhi Search Karte Hain

Ye yojanaein bhi dekhein