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PM Mudra Loan Yojana Online Apply 2026: Shishu, Kishor Aur Tarun Loan Ke Liye Aise Karein Apply



Agar aap koi naya chhota business shuru karna chahte hain ya apni dukan/vyapar ko aage badhana chahte hain aur paise ki kami hai, toh Bharat Sarkar ki Pradhan Mantri Mudra Yojana (PMMY) aapke liye sabse behtareen vikalp hai. Is yojana ke tahat bina kisi guarantee (collateral) ke ₹50,000 se lekar ₹10 lakh tak ka loan aasan byaj daro par milta hai.

Is complete guide me hum jaanenge ki Mudra Loan ke kitne prakaar hote hain, iski eligibility kya hai, aur aap ghar baithe JanSamarth Portal ke zariye online apply kaise kar sakte hain.

PM Mudra Loan Ke 3 Categories (Categories of Loan)

Sarkar ne vyapar ki zaroorat ke hisaab se Mudra loan ko 3 hisson me baanta hai:

  1. Shishu Loan (शिशु लोन): Is category me naya business shuru karne ke liye ₹50,000 tak ka loan diya jata hai. Isme sabse kam documents ki zaroorat hoti hai.
  2. Kishor Loan (किशोर लोन): Agar aapka business pehle se chalu hai aur aap machine ya saman kharidna chahte hain, toh ₹50,000 se ₹5,00,000 tak ka loan milta hai.
  3. Tarun Loan (तरुण लोन): Bade business expansion ke liye ₹5,00,000 se ₹10,00,000 tak ka loan provide kiya jata hai.

Mudra Loan Ke Mukhya Fayde

  • Bina Security / Guarantee Ke Loan: Aapko bank me apni zameen, makan ya gold girwi rakhne ki bilkul zaroorat nahi hoti.
  • Kam Byaj Dar (Low Interest Rate): Byaj dar aamtaur par 8.50% se 12% saalana ke beech hoti hai (bank ke niyam anusaar).
  • Chukane Ke Liye Lamba Samay: Loan wapas karne ke liye 3 saal se 5 saal tak ka samay milta hai.
  • Mudra Debit Card: Working capital ke liye bank ek Mudra Card deta hai jisse aap zaroorat padne par ATM se paise nikal sakte hain.

Zaroori Dastavez (Required Documents)

  • Pehchan Patra: Aadhaar Card, PAN Card, ya Voter ID.
  • Pata Ka Saboot: Electricity bill, Ration card, ya Aadhaar card.
  • Bank Passbook: Pichle 6 mahine ka bank account statement.
  • Business Proof (Agar purana vyapar hai): Udyam Registration (MSME certificate), Gumasta license ya dukan ka bill.
  • Passport size photo aur business quotation (agar koi machine khareedni hai).

PM Mudra Loan Online Apply Kaise Karein? (Step-by-Step)

Ab Mudra loan ke liye bank ke chakkar kaatne ki zaroorat nahi hai, aap direct sarkari portal se apply kar sakte hain:

  1. Sarkar ke official portal jansamarth.in ya mudra.org.in par jayein.
  2. "Business Activity Loan" section par click karein aur apni basic eligibility check karein.
  3. Apna mobile number daal kar OTP verify karein aur login karein.
  4. Aapko jitne loan ki zaroorat hai (Shishu, Kishor ya Tarun) us category ko select karein.
  5. Apne business ka naam, address aur bank details sahi-sahi bharein.
  6. Aadhaar card aur bank statement upload karein.
  7. Aapko alag-alag banks ke offers dikhai denge; apna pasandeeda bank select karke application submit kar dein.

Application submit hone ke baad chuninda bank ke representative aapko call karenge aur verification ke baad loan amount direct aapke bank account me transfer ho jayega.

Savdhani (Fraud Alert)

Mudra Loan dilane ke naam par kisi bhi agent ya anjaan vyakti ko advance processing fee ya commission na dein. Mudra loan ke liye sarkar ya bank kabhi bhi advance me paise nahi maangte.

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