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Business & EntrepreneurshipCentral Sector
Ministry of Finance / DFS
Pradhan Mantri MUDRA Yojana (PMMY)
प्रधानमंत्री मुद्रा योजना
Collateral-free institutional business loans up to ₹20 Lakh across Shishu, Kishore, and Tarun categories for non-farm income-generating enterprises.
1. Target Beneficiaries (Who It Is For)
Micro & small business owners, artisans, retail shopkeepers, and aspiring non-farm entrepreneurs.
2. Why It Matches Your Profile (Gemini Reasoning)
Matches your broad demographic and occupation profile under central guidelines.
Criteria Met
- ✓State: Resident of All India
- ✓Category: Fits within General guidelines
- ✓Occupation: Aligns with job seeker status
3. Official Eligibility Criteria
Any Indian citizen with a business plan for non-farm manufacturing, trading, or service sector needing credit up to ₹20 Lakh.
Age Range18 - 65 yrs
Income CeilingNo Income Cap
Target CategoryAll
Genderall
4. Scheme Benefits
Up to ₹20,00,000 collateral-free loan
- Collateral-free loans from Public/Private Banks, RRBs, and NBFCs
- Shishu (up to ₹50,000), Kishore (₹50,000 - ₹5L), Tarun (₹5L - ₹10L), and Tarun Plus (up to ₹20L)
- Low interest rates and issuance of MUDRA RuPay Card for working capital drawdowns
5. Mandatory Documents Checklist
Proof of identity and address (Aadhaar / Voter ID / PAN)
Business registration certificate or Udyam Registration (if registered)
Project business quotation / machinery proposal
Past 6 months bank statement (for existing firms)
6. Application Procedure (BOTH)
1Apply online via JanSamarth portal (jansamarth.in) or visit any commercial bank branch
2Submit the standardized MUDRA application form with business proposal
3Bank processes appraisal without collateral requirement
7. Official Verification & Portal Link
Host Portal: MUDRA / JanSamarth Portal
8. Application Deadline / Status
Ongoing throughout the year
Data Verification Stamp
Verified against official gazette on 2026-08-10