Mudra
Pradhan Mantri Mudra Yojana
Apply through our verified partner network

Funding for the smallest of businesses, without collateral

We help micro and small enterprises apply for Shishu, Kishor, and Tarun loans under the Mudra Yojana — with quick eligibility checks and support through our partner banks and NBFCs.

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₹10LMax loan under Tarun
0%Collateral required
3Loan categories
PAN-IndiaPartner network
Dhani banner
ShishuFor early-stage micro units
Up to ₹50,000
KishorFor growing small businesses
₹50,000 – ₹5L
TarunFor established enterprises
₹5L – ₹10L
PM Mudra Loan
What is PMMY

A government scheme built for first-generation entrepreneurs

Launched in 2015, the Pradhan Mantri Mudra Yojana provides loans up to ₹10 lakh to non-corporate, non-farm micro and small enterprises. We help you understand which category fits your business and guide your application through to a partner lender.

From your first stall to a growing manufacturing unit, our team assists with documentation, eligibility checks, and application tracking at every stage.

  • 01Loans issued through banks, RRBs, cooperative banks, MFIs, and NBFCs
  • 02Covers manufacturing, trading, services, and allied agricultural activity
  • 03No collateral required for loans under the scheme
Loan Categories

Three tiers, one scheme

Every Mudra loan falls under one of three categories, based on the stage and funding need of the enterprise.

Shishu
Up to ₹50,000

For entrepreneurs starting out — stalls, small trades, and early-stage micro units.

  • Minimal documentation
  • Fast in-principle decisions
  • Ideal for new ventures
Kishor
₹50,000 – ₹5,00,000

For businesses with an existing track record looking to expand operations.

  • Business vintage considered
  • Working capital & equipment
  • Flexible repayment tenure
Tarun
₹5,00,000 – ₹10,00,000

For established small enterprises seeking larger growth capital.

  • Detailed financial review
  • Higher ticket disbursals
  • Suited to scaling units
Eligibility

Who this scheme is designed for

General guidelines — actual criteria vary by lending partner.

Basic Criteria

  • Non-farm income-generating enterprise
  • Indian citizen with valid KYC
  • Manufacturing, trading, or services activity
  • No prior loan default with any lender

Documents (Indicative)

  • Identity & address proof
  • Proof of business / activity
  • Bank statements (as required)
  • Passport-size photographs
Plan Ahead

EMI Calculator

Estimate your monthly repayment before you apply.

₹2,00,000
11.5%
36 months
Monthly EMI ₹ —
Total Interest Payable ₹ —
Total Amount Payable ₹ —
Borrower Stories

What our borrowers say

Real experiences from entrepreneurs we've helped fund.

”

The Shishu loan gave my tailoring unit the working capital to buy a second machine within the first year.

Micro Enterprise OwnerLucknow, UP
”

Moving from Kishor to Tarun funding let us formalise our supply chain and take on larger orders.

Small ManufacturerCoimbatore, TN
”

No collateral requirement meant we could focus our savings on inventory instead of security deposits.

Retail TraderIndore, MP
Lending Network

Partner banks & NBFCs

We work with banks, NBFCs, and regional lenders across the country to get your application to the right desk.

PSB
Public Sector Bank
Grievance Redressal Officer
RRB
Regional Rural Bank
Grievance Redressal Officer
MFI
Micro Finance Partner
Grievance Redressal Officer
NBFC
NBFC Partner
Grievance Redressal Officer
Resources

Guides & updates

Practical guides to help you prepare a stronger application.

Shishu
Guide
Choosing the right loan category
Kishor
Tips
Improving your approval chances
Tarun
Checklist
Documents you'll need to apply
FAQ

Common questions

In-principle decisions are typically fast after document verification; final disbursal timelines vary by lending partner.

Basic KYC, address proof, business proof, and bank statements as applicable to your loan category.

No. Mudra loans under all three categories are collateral-free by design.

Prepayment and foreclosure terms depend on the specific lender's policy — check your agreement at disbursal.

Ready to apply?

Start your Mudra loan application and get connected with a partner lender.

Start Application →

Contact

Emailinfo@mudrasahayak.example
Phone+91 90000-00000
AddressConnaught Place, New Delhi – 110001
Talk to Us

Note

We facilitate applications under the Pradhan Mantri Mudra Yojana and connect you with our partner banks and NBFCs. We are a private assistance service and not the Government of India or any bank.