Pradhan Mantri Mudra Yojana (PMMY): Mudra Loan Yojana ke tehat non-corporate, non-farm small/micro enterprises ko apna business shuru karne ya badhane ke liye **₹10 Lakh tak ka collateral-free loan** (bina kisi guarantee ke loan) pradan kiya jata hai. Naye budget updates ke anusar, Tarun category ke tehat is limit ko badha kar **₹20 Lakh** karne ka prastav diya gaya hai.

Mudra Loan kisi bhi sarkari bank, private bank, cooperative bank, RRBs, ya NBFCs se liya ja sakta hai. Iska online apply process aur required documents ki details niche di gayi hain.

Mudra Loan Categories (Yojana Ke Teen Charan)

Mudra Yojana ke tehat business ke stage ke aadhar par teen categories me loan diya jata hai:

  • 1. Shishu Loan: Naye business ke liye **₹50,000 tak** ka loan. Isme sabse kam paper-work aur asan verification hota hai.
  • 2. Kishor Loan: Pehle se chal rahe business ko aage badhane ke liye **₹50,000 se ₹5 Lakh tak** ka loan.
  • 3. Tarun Loan: Bade star par expansion ke liye **₹5 Lakh se ₹10 Lakh (ya ₹20 Lakh tak)** ka loan.

Eligibility & Interest Rates (Yogyata aur Byaj Dar)

Who is Eligible?

Bharat ka koi bhi nagrik jo apna khud ka chhota business (jaise retail shop, taxi/transport service, food processing unit, repair shop, parlor, boutique, etc.) shuru karna chahta hai ya badhana chahta hai, mudra loan ke liye aavedan kar sakta hai.

Interest Rate (Byaj Dar)

Mudra loan ki byaj dar fix nahi hoti. Alag-alag banks aur NBFCs ke aadhar par aur business profile ke aadhar par interest rate aamtaur par **8.60% se lekar 12% annual** ke bich hoti hai. Isme koi processing fee (Shishu loan ke liye) nahi li jati.

Online Apply Kaise Karein? (Udyamimitra Portal)

Mudra loan ke liye online apply karne ke steps:

  1. Official **udyamimitra.in** portal ya **jan सामर्थ (jansamarth.in)** portal par visit karein.
  2. 'Apply for Mudra Loan' select karein aur registration complete karein.
  3. Apni personal details, business project report, aur financial history fill karein.
  4. Jaruri documents (Aadhaar Card, PAN Card, Business address proof, Photo, Quotation of machinery/supplies) upload karein.
  5. Form submit karein. Verification ke bad, select kiya gaya bank aapse contact karega aur loan amount sanction ho jayegi.

Mudra Loan Official JanSamarth Portal

Apna online eligibility check karne aur loan apply karne ke liye niche direct click karein.

Apply Online via JanSamarth