pm mudra loan yojana 2025 mai kaise milega Pradhan Mantri Mudra Loan Yojana (PM Mudra Loan Yojana) is a flagship government scheme aimed at providing financial assistance to small and medium enterprises (MSMEs). Under this scheme, people are provided loans ranging from ₹50,000 to ₹10 lakh to start and grow their business.
PM Mudra Loan Yojana Kya Hai
The central government has launched the Pradhan Mantri Mudra Loan Yojana. Under this scheme, loans will be given to those who want to start their own business. In this, a loan of ₹ 50,000 to 10 lakh rupees is given by the government. There is no processing fee for getting a loan under this scheme. You can apply for this loan by visiting the nearest bank. The interest rate on the loan depends on the loan amount, which can be between 10% to 12%.
Types of Pradhan Mantri Mudra Loan Yojana
Shishu Loan:
Loan up to ₹50,000.
Suitable for small-scale startups and new businesses.
Kishor Loan:
Loan from ₹50,001 to ₹5 lakh.
To expand and take the business to a medium level.
Tarun Loan:
Loan from ₹5 lakh to ₹10 lakh.
To grow the business on a large scale.
Features of the scheme
Processing Fee: There is no processing fee on the loan.
Interest rate: Can range from 10% to 12% depending on the loan amount and applicant profile.
Loan guarantee: Loan guarantee is free under this scheme.
Loan tenure: Maximum time given is up to 5 years.
Eligibility for Pradhan Mantri Mudra Loan Yojana
- The applicant must be an Indian citizen.
- Age should be 18 years or above.
- There should not be a defaulter in the bank.
Required documents
- Aadhaar card
- PAN card
- Voter ID or ration card
- Documents related to business
Application process (PM Mudra Loan Yojana Apply Online/Offline)
Apply online: Visit the official website of PM Mudra Yojana.
Select from the options available under the scheme (Shishu, Kishor, Tarun).
Upload the required information and documents.