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💼 Business & entrepreneurs👩 Women & girls

PM Mudra Loan

Pradhan Mantri Mudra Yojana (PMMY)

Pradhan Mantri Mudra Yojana offers collateral-free loans to non-corporate, non-farm small and micro enterprises through banks and MFIs. Loans are given under three categories — Shishu, Kishor and Tarun — based on the funding need.

Official portal · Ministry of Finance / MUDRAwww.mudra.org.inVisit official site
Last updated 19 Jul 2026 Verified against Ministry of Finance / MUDRA Educational guide, not a government site — see our editorial policy.

Disclaimer

TechToolsCenter is an independent educational platform. We are not affiliated with any Government authority. We do not process applications or collect personal information for government services. Always complete your application through the official government website linked on this page.

Benefits

  • Collateral-free loans up to ₹10 lakh
  • Shishu / Kishor / Tarun categories
  • For new and existing micro-enterprises

Eligibility

  • Non-farm micro/small enterprises (manufacturing, trading, services)
  • Individuals, proprietors, partnerships and more

Documents needed

Identity and address proofBusiness plan / detailsBank account detailsCategory-specific documents as asked by the lender

How to apply

  1. 1Prepare your business details and funding requirement.
  2. 2Approach a bank, NBFC or MFI (or apply via the Udyami Mitra / Jan Samarth channels).
  3. 3Fill the Mudra loan application under Shishu/Kishor/Tarun.
  4. 4Submit documents and business details.
  5. 5On approval, receive the loan / MUDRA card.
Detailed step-by-step guideUdyam (MSME) Registration — full guide

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Frequently asked questions

What is the maximum Mudra loan amount?

Up to ₹10 lakh, split into Shishu (up to ₹50,000), Kishor (₹50,000–₹5 lakh) and Tarun (₹5–₹10 lakh).

Is collateral needed for a Mudra loan?

No, Mudra loans are collateral-free, though approval depends on the lender's assessment of your business.

Related schemes

Stand-Up India

Bank loans ₹10 lakh–₹1 crore for women and SC/ST entrepreneurs.

PM Ujjwala Yojana

Free LPG gas connection for women of low-income households.

Beti Bachao Beti Padhao

Protecting and educating the girl child.

PM SVANidhi

Working-capital loans for street vendors.