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PM Mudra Loan Yojana 2026: Collateral-Free Business Loans up to ₹20 Lakh, Low Interest & Easy Online Apply
Benefit / Financial Grant:
₹50,000 up to ₹20 Lakh Collateral-Free Business Loan
सीधे पात्र नागरिक के आधार लिंक बैंक खाते में डायरेक्ट बेनिफिट ट्रांसफर (DBT) द्वारा
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•अपडेट: 2026-10-02
•65,420 देखा गया
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संक्षिप्त विवरण (Overview)
Under Pradhan Mantri Mudra Yojana (PMMY), entrepreneurs and micro-business owners can get institutional credit up to ₹20 Lakhs without pledging any collateral. Check Shishu, Kishor, Tarun and Tarun Plus categories and step-by-step application guide.
Objectives & Vision
To provide financial credit to micro, small, and medium enterprises to encourage self-employment and entrepreneurial growth.
Direct Benefits for Eligible Beneficiaries
Collateral-free loan up to ₹20 Lakhs with sovereign credit guarantee.
Four flexible categories: Shishu (up to ₹50K), Kishor (up to ₹5L), Tarun (up to ₹10L), and Tarun Plus (up to ₹20L).
Lowest processing fee and competitive interest rates (8.5% - 11.5%).
Mudra debit card for instant liquidity and overdraft facilities.
Eligibility Criteria & Requirements
- ✓Indian citizens aged 18 to 65 years with a viable business plan.
- ✓Non-farm micro enterprises in manufacturing, services, or trading.
- ✓No prior loan defaults with any scheduled commercial bank or NBFC.
Mandatory Documents Required Checklist
1Aadhaar Card, PAN Card, and Identity proof.
2Business proof (Udyam Registration or Shop Establishment License).
3Bank statement of past 6 to 12 months.
4Detailed project report with projected revenue and machinery quotations.
Step-by-Step Online & Offline Application Guide (Both)
1
Visit the official JanSamarth portal at jansamarth.in or udyamimitra.in.
2
Select 'Business Activity Loan' and complete digital eligibility check.
3
Choose your required loan tier and upload PAN, Aadhaar, and business financials.
4
Select your preferred lending bank and submit your application digitally.
अधिकृत सरकारी पोर्टल
Apply on Official Government Portalयोजना के आधिकारिक पोर्टल पर जाएं
केवल अधिकृत .gov.in या राज्य सरकार की वेबसाइट पर ही अपना पंजीकरण पूरा करें।
Frequently Asked Questions (FAQs)
Under the latest Union Budget reforms, the Tarun category limit has been expanded up to ₹20 Lakhs for entrepreneurs who have successfully repaid previous loans.
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