15 Jul 2017Posted By: Pulkit Gupta

PRADHAN MANTRI MUDRA YOJANA LOANS | Eligibility | Procedure | Application Form | Apply Online

Pradhan Mantri Mudra Yojana is a Government of India scheme, provide financial assistance to a small business to borrow loans from banks upto 10 lakh for non farm income generating activities.

The best part of the scheme, banks issue loans upto Rs. 10 lakh WITHOUT COLLATERALS.

MUDRA stands for Micro Units Development & Refinance Agency Ltd, is a financial institution being set up by Government of India for development and refinancing micro units enterprises.

The scheme was announced by the Hon’ble Finance Minister while presenting the Union Budget for FY 2016.

The purpose of MUDRA is to provide funding to the non-corporate small business sector through various Last Mile Financial Institutions like Banks, NBFCs and MFIs.

Non–Corporate Small Business Segment (NCSB) comprising of millions of proprietorship / partnership firms running as small manufacturing units, service sector units, shopkeepers, fruits / vegetable vendors, truck operators, food-service units, repair shops, machine operators, small industries, artisans, food processors and others, in rural and urban areas.

The financial limit categorized into three parts under these schemes: -

         a. Shishu : covering loans upto 50,000/-

         b. Kishor : covering loans above 50,000/- and upto 5 lakh

         c. Tarun : covering loans above 5 lakh to 10 lakh



Any Indian Citizen who has a business plan for a non farm income generating activity such as manufacturing, processing, trading or service sector whose credit need is less than 10 lakh can approach either a Bank, MFI or NBFC for availing of MUDRA loans under PMMY. The usual terms and conditions of the lending agency may have to be followed for availing of loans under PMMY. The lending rates are as per the RBI guidelines issued in this regard from time to time.



1. PAN Card of applicant

2. Identity & Address Proof

3. Three/Two years Income Tax Return of applicant

4. Project Report for proposed business


For any guidance feel free to consult our expert at 011-65442500 or write us at info@e-startupindia.com

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Posted Date 2018-05-02 19:47:01

i have the 17 years of experiance in FMCG marketing now i stated my own FMCG trading co.with 26 employes in 3 state,i registered the firm name "TEAMICON MARKETING PRIVATE LIMITED" in 24 jun 2017 & my monthly turnover is 10 to 15 lakh.now i need the loan for expension my bussiness but due to low vintage i did not get any possitive response from any institution or bank.

Posted By Kiran Kumar
Posted Date 2018-05-26 21:17:43

Sir I want to start import export bussiness..can I get loan in mudra scheme...

Posted By nitin namdeo pawar
Posted Date 2019-08-02 15:50:11

Sir, I am an engineer but i have not a income more than 250000 so i am not filling ITR file .is there any supplementary document rather than ITR

Posted By Lina Merlina
Posted Date 2019-09-24 15:37:03

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Posted By Shruti
Posted Date 2020-02-11 17:26:56

Thanks For describe wonderful blog. Great point,Very informative...

Posted By Bishnu Priya Sarangi
Posted Date 2020-02-27 15:20:59

I am interested open a small industry kind help me some finace

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