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Mudra loan kaise milta hai: Shishu, Kishor, Tarun, documents aur apply ka tarika

Mudra loan Pradhan Mantri Mudra Yojana (PMMY) ke tahat bank, NBFC ya MFI se milta hai, Mudra khud loan nahi deta. Non-farm, non-corporate kaam ke liye ₹20,00,000 tak ka loan chaar shreniyon mein milta hai. Iske liye nazdeeki bank branch mein ya Udyamimitra portal par apply kiya ja sakta hai.

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Mudra loan kaise milta hai: chhota jawab

Mudra loan kaise milta hai, seedhi baat: aap apne nazdeeki bank, NBFC ya microfinance sanstha (MFI) ki branch mein apply karte hain, ya Udyamimitra portal par online form bharte hain (Mudra performance data). Mudra khud kisi ko loan nahi deta. Woh ek refinance sanstha hai, yaani loan dene wale bank ko paisa wapas deti hai (Mudra performance data). Loan dena ya na dena bank ka faisla hai.

NBFC ka matlab hai Non-Banking Financial Company, yaani RBI ke niyam mein chalne wali loan company jo bank nahi hai.

Mudra loan kya hai

Mudra loan Pradhan Mantri Mudra Yojana (PMMY) ka loan hai. Yeh non-corporate aur non-farm kaam ke liye hai, jaise dukaan, chhota manufacturing unit, service ya trading (PIB press release). Poultry, machhli palan, madhumakhi palan jaise khet se jude kaam bhi aate hain, lekin fasal ka loan nahi (Mudra loan categories). Yeh loan ghar ke kharche ya personal zaroorat ke liye nahi hai (Bank of Maharashtra).

Shishu, Kishor, Tarun aur Tarun Plus ki limit

Shreni Loan ki rakam Source
Shishu ₹50,000 tak Mudra loan categories
Kishor ₹50,000 se upar, ₹5,00,000 tak Mudra loan categories
Tarun ₹5,00,000 se upar, ₹10,00,000 tak Mudra loan categories
Tarun Plus ₹10,00,000 se upar, ₹20,00,000 tak Mudra loan categories

Tarun Plus 24-Oct-2024 se lagu hai (PIB press release, 08-Apr-2025). Yeh sirf unhe milta hai jinhone pehle Tarun loan liya aur poora chukaya ho (Mudra FAQ).

Mudra loan kaun le sakta hai

Koi bhi Indian nagrik jiske paas non-farm kamai wale kaam ka business plan hai aur jise ₹20,00,000 tak chahiye, woh bank, MFI ya NBFC ke paas ja sakta hai (Mudra FAQ). Naya business bhi apply kar sakta hai. Lekin loan milega ya nahi, kitna milega, yeh bank aapka plan, aapka record aur bhugtaan ki kshamata dekh kar tay karta hai.

Mudra loan kaise le: step by step

  1. Shreni chuniye. Aapko kitna chahiye, us hisaab se Shishu, Kishor ya Tarun.
  2. Business plan likhiye. Paisa kahan lagega aur kamai kaise hogi, saaf likhiye.
  3. Documents jodiye. KYC, pata, business ka proof aur bank ki maangi gayi cheezein.
  4. Apply kijiye. Bank branch mein, ya Udyamimitra portal (udyamimitra.in) par (Mudra performance data).
  5. Sanction ka intezaar kijiye. Sanction yaani bank ki likhit manzoori. Uske baad disbursal hota hai, yaani paisa aapke khaate mein aata hai.

Dhyan rahe: Mudra koi agent ya bichauliya nahi rakhta (Mudra). Jo vyakti fees le kar "Mudra loan pakka" karwane ki baat kare, usse bachiye.

Mudra loan ke liye documents

Mudra ki koi ek rashtriya list nahi hai. Har bank apni list deta hai (Mudra FAQ). Shishu ke liye ek page ka form hai, aur Kishor, Tarun, Tarun Plus ke liye teen page ka form (Mudra FAQ). Chhote loan par aam taur par ITR nahi maanga jaata (Mudra FAQ). Aam taur par yeh rakhiye:

  • PAN aur Aadhaar
  • Pata ka proof
  • Business ka proof, jaise Udyam ya GST registration
  • Bank statement
  • Machine ya maal ka quotation, agar kharidna hai

Poori business loan list ke liye business loan ke liye document dekhiye.

Byaj, fees, collateral aur subsidy

Baat Kya niyam hai Source
Byaj dar Bank RBI ke niyam ke andar tay karta hai Mudra FAQ
Ek bank ka udaharan Bank of Maharashtra: ₹10,00,000 tak RLLR + 2.25% + BSS Bank of Maharashtra
Processing fee Har bank ki apni; Bank of Maharashtra mein ₹5,00,000 tak nil Bank of Maharashtra
Collateral ₹20,00,000 tak nahi liya ja sakta Mudra FAQ, RBI notification, 09-Feb-2026
Subsidy PMMY mein koi subsidy nahi Mudra FAQ
Guarantee CGFMU fund loan ko guarantee deta hai PIB press release

Bank of Maharashtra mein CGFMU guarantee ki fee borrower deta hai (PIB press release). Mudra Card bhi milta hai: yeh RuPay debit card hai jisse working capital ki limit ATM ya POS se nikaali ja sakti hai (Mudra FAQ).

EMI ka andaaza lagane ke liye Mudra loan EMI calculator dekhiye. Apply karne se pehle apna file kitna taiyaar hai, yeh jaanne ke liye free Capnix score dekhiye.

Frequently asked questions

Pradhan Mantri Mudra Yojana ke tahat non-farm, non-corporate business ko ₹20,00,000 tak ka loan (Mudra loan categories). Loan bank, NBFC ya MFI dete hain; Mudra unhe refinance karta hai (Mudra performance data).

Shishu mein ₹50,000 tak, Kishor mein ₹5,00,000 tak, Tarun mein ₹10,00,000 tak aur Tarun Plus mein ₹20,00,000 tak (Mudra loan categories). Asli rakam bank aapki zaroorat aur kshamata dekh kar tay karta hai.

Sarkari aur private bank, regional rural bank, small finance bank, NBFC aur MFI (Mudra performance data). Apni nazdeeki branch se poochhiye.

Har bank ki apni list hoti hai (Mudra FAQ). Aam taur par KYC, pata, business ka proof, bank statement aur quotation.

Nahi. PMMY mein koi subsidy nahi hai (Mudra FAQ). Agar loan kisi aur sarkari subsidy scheme se juda ho, to woh subsidy alag se mil sakti hai.

Nahi. Micro aur small business ke ₹20,00,000 tak ke loan par bank collateral nahi le sakte (Mudra FAQ, RBI notification, 09-Feb-2026).

Mudra ki site par koi tay CIBIL score nahi likha hai. CIBIL ek credit bureau hai jo aapke purane loan ka record rakhta hai. Bank apni policy se record dekhta hai, isliye purane EMI samay par bhariye.

Mudra koi agent ya bichauliya nahi rakhta (Mudra). Seedhe bank ya Udyamimitra par apply kijiye.

Sources

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