Atmanirbhar Bharat Abhiyan

Get Mudra Loan Yojna at attractive interest rates

Mudra loan is extended for a variety of purposes which provides income generation and employment creation in Manufacturing, Services, Retail and Agri. Allied Activities.

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About Mudra Loan

Empowering dreams, one micro-enterprise at a time.

Mudra Loan (Micro Units Development and Refinance Agency), under the Pradhan Mantri Mudra Yojana (PMMY), is designed to fuel small businesses and micro-enterprises across India. Launched in 2015, this transformative scheme offers collateral-free loans up to ₹10 lakh through banks and financial institutions, sparking entrepreneurship and creating millions of jobs. From street vendors to startups, Mudra Loans are the catalyst for inclusive economic growth—over 40 crore loans disbursed, proving that big change starts small. Ready to unlock yours? Connect with a partner bank for tailored guidance on eligibility and seamless applications.

Why Choose Mudra?
No Collateral Needed: Quick access for non-corporate, non-farm ventures.
Three Categories: Shishu (up to ₹50k), Kishore (₹50k-₹5L), Tarun (₹5L-₹10L) to match your stage.
Job Creator: Supports self-employment, boosting India's MSME ecosystem.
Seamless Bank Partnerships
Seamless Bank Partnerships

Collaborate with 20+ institutions like Mudra for tailored guidance.

Mudra Loan Statistics
54+ Crore Dreams Funded

₹35+ Lakh Crore Disbursed – Join the entrepreneurial wave!

Paperless Mudra Process
Paperless Process

Apply digitally via Udyam – Minimal docs, maximum speed.

Your 3-Step Mudra Journey

From Spark to Scale: Collateral-Free Funding via Udyamimitra in Weeks

1
Initiate Online

Visit Udyamimitra.in or your bank's portal—fill a quick form with basics like Aadhaar, PAN, and venture idea. No collateral; just 5 minutes to start your Shishu/Kishore/Tarun path. What's your first big idea?

2
Upload & Assess

Link DigiLocker for KYC (address/income proof), add a simple business plan if needed. Banks auto-check eligibility—often same-day nods for micro-units. Ready to share your story?

3
Disburse & Thrive

Post-verification (phone/branch call), funds hit your account in days—up to ₹10 lakh fueling jobs and dreams. Track via portal; join 54+ crore empowered. Where will your funds take you?

Mudra Loan Features

Unlock collateral-free growth: Over 57 crore loans disbursed by November 2025, fueling India's micro-revolution—what stage calls to you?

Shishu

Up to ₹50,000 for nascent ideas—seed your dream without roots in security.

Kishore

₹50,001 to ₹5 lakh for budding expansions—nurture your venture's next stride.

Tarun

₹5,00,001 to ₹10 lakh for maturing enterprises—branch toward established heights.

Competitive Rates

Lender-varying but often 8-12%—lower than personal loans, easing your ascent.

Sector-Spanning

Open to manufacturing, services, trading—whatever your craft, Mudra embraces it.

Minimal Fees

Up to 1% processing (lender-dependent)—transparency without the toll.

Collateral-Free

Your idea alone secures the loan—accessibility for the uncollateralized.

Swift Disbursal

From application to funds in days—momentum when your spark needs fuel.

A Mudra Story: Divya's Bakery Bloom

Business Owner: Divya | Type: Home Bakery | Category: Shishu | Amount: ₹50,000

Apply at Local Bank

Via Udyamimitra or branch—simple start.

Submit Essentials

Aadhaar, address proof, basic plan—no collateral chains.

Quick Approval

Digital nod in days—freedom's fast track.

Funds Flow

₹50,000 arrives weekly—your canvas cleared.

Invest & Grow

Oven: ₹20K | Ingredients: ₹15K | Ads: ₹5K | Licenses: ₹10K

Over 3 years, ~₹1,600/month repayments. Divya's ovens hum, customers flock—what's baking in your world?

Mudra Eligibility Journey

  • Micro/small enterprises in manufacturing, trading, services—your sector's welcome.
  • Business stage-aligned: New for Shishu, growing for Kishore/Tarun.
  • Registration boosts credibility (Udyam portal optional but empowering).
  • Credit score helps; history reviewed for repayment promise.
  • Adults (18+), Indian residents—your roots run deep here.
  • Stable income signals sustainability—what's your steady stream?
Mudra Documents Streamlined

  • Identity: Aadhaar, PAN—your proof of self.
  • Address: Utility bill or bank statement—home's anchor.
  • Business Plan: Simple outline or project snapshot—your vision voiced.
  • Financials: Bank statements (6 months)—your flow charted.
  • DigiLocker Bonus: Seamless KYC—2025's shortcut to start.
Mudra FAQs: Questions Unfolding

Mudra Loan FAQs: Your Questions, Answered

Over 55 crore loans sanctioned in FY 2024-25 alone—empowering dreams since 2015. What clarity do you seek today?

Under Pradhan Mantri Mudra Yojana (PMMY), Mudra Loans are collateral-free credit lifelines up to ₹20 lakh (Tarun+ in 2025) for non-corporate, non-farm micro/small enterprises—sparking entrepreneurship and jobs across India. How might this fuel your first step?

Individuals or entities in manufacturing, trading, or services—startups to established outfits, including women-led ventures (now 42% of borrowers). No corporate veil needed; just your vision. What sector shapes your story?

Tailored to your stage: Shishu (up to ₹50,000 for seeds), Kishore (₹50,001–₹5 lakh for growth), Tarun (₹5–10 lakh for strength), and Tarun+ (up to ₹20 lakh in 2025 for scale). Which rung calls to your climb?

No—your enterprise's promise stands alone, a 2025 hallmark making funds accessible to the uncollateralized. What barrier does this lift for you?

Lender-specific (often 8-12% via banks like Mudra), competitive and below personal loans—check Udyamimitra for tailored quotes. How does affordability reshape your plans?

Online via Udyamimitra portal, bank apps, or in-branch at PSBs/RRBs/NBFCs—minimal docs, swift start. What's your first click toward tomorrow?

From Divya's bakery bloom to 55+ crore ventures (₹35+ lakh crore disbursed by 2025), Mudra fuels street-to-scale tales—women-led at 42%. Whose journey mirrors yours?

Still pondering? Apply now or connect with a bank advisor—your question is the start of something vast.