Aaj ke samay me chhota business shuru karna ya chal rahe vyapar ko badhana ke liye paison ki zarurat hoti hai. Isi zarurat ko dhyan me rakhte hue Government of India ne Pradhan Mantri Mudra Yojana (PMMY) shuru ki. Is yojana(mudra loan kaise milta hai​) ke tahat chhote vyapari, self-employed log aur naye business shuru karne wale log ₹50,000 se lekar ₹10 lakh tak ka loan bina kisi guarantee ke le sakte hain.

Pradhan Mantri Mudra Yojana (Mudra Loan) ko 8 April 2015 ko Prime Minister Shri Narendra Modi ne launch kiya tha. Ye scheme chhote aur micro entrepreneurs ko bina collateral (jamin) ke ₹10 lakh tak ka loan provide karne ke liye shuru ki gayi thi.

Launch Date: 8 April 2015
Launch By: Prime Minister Narendra Modi

Pradhan Mantri Mudra Yojana (PMMY) ke tahat sarkar har saal ek bada budget aur outlay allocate karti hai, taaki desh ke chhote vyapariyon, self-employed logon aur micro enterprises ko aasani se loan mil sake. Is yojana ka mukhya uddeshya non-corporate, non-farm sector ko financial support dena hai.

Mudra Yojana ke liye alag se koi fixed annual subsidy budget nahi hota, balki sarkar banks aur financial institutions ko refinance support deti hai. Loan ka paisa public sector banks, private banks, regional rural banks (RRBs), NBFCs aur MFIs ke madhyam se diya jata hai. Sarkar Mudra ke zariye crore-karodon rupaye ka credit outlay har saal set karti hai, jisse Shishu, Kishor aur Tarun category ke loans distribute kiye ja sakein.mudra loan kaise milta hai.mudra loan kaise milta hai.

• Shishu Loans (₹50,000 tak) ka sabse bada hissa hota hai, kyunki ye naye aur chhote vyapariyon ke liye hota hai.
• Kishor aur Tarun Loans ke liye bhi significant outlay rakha jata hai, taaki chal rahe businesses apna expansion kar saken.

Mudra Loan ka outlay demand-driven hota hai, matlab jitni zyada applications approve hoti hain, utna hi zyada credit flow economy me aata hai. Is yojana ke through lakhon logon ko rozgaar milta hai aur chhote vyapar ko formal banking system se jodne me madad milti hai.

Mudra Loan ke Types(mudra loan kaise milta hai)

Business size ke hisaab se 3 category hoti hain:

1. Shishu – ₹50,000 tak
2. Kishor – ₹50,001 se ₹5 lakh
3. Tarun – ₹5 lakh se ₹10 lakh

✅ Kaun le sakta (mudra loan kaise milta hai) hai?

• Chhota vyapari / shop owner
• New business start karna ho
• Self-employed (tailor, electrician, driver, etc.)
• MSME / small industry
• Age: 18–65 saal

📄 Zaroori Documents for mudra loan kaise milta hai

• Aadhaar Card
• PAN Card
• Passport size photo
• Address proof
• Bank passbook / statement
• Business proof (shop photo, license, bill, etc.)
• Business plan (simple sa)

📝 Mudra Loan kaise apply kare? mudra loan kaise milta hai

Option 1: Bank jaakar (sabse common)

1. Apne nearby bank (SBI, PNB, Bank of Baroda, Gramin Bank, etc.) jaaiye
2. Mudra Loan form maangiye
3. Documents attach karke submit kijiye
4. Bank verification karega
5. Approve hone par paisa account me aa jayega

⏳ Time: 7–15 din (kabhi-kabhi zyada)

Option 2: Online apply for mudra loan kaise milta hai

👉 https://www.udyamimitra.in

• Yahan aap loan options compare karke apply kar sakte ho
• Bank khud aapse contact karega

💰 Interest Rate

• Bank ke hisaab se hota hai
• Approx 8% – 12% per year
• Koi collateral (jamin) nahi lagti

❌ Loan reject kyun hota hai?

• Poor CIBIL score
• Business proof clear na ho
• Galat documents
• Pehle se zyada loan chal raha ho

Agar aap chaaho to batao:

• kaunsa business ke liye loan chahiye?
• kitni amount?

Main aapko exact bank + tips bata dunga jisse approve hone ke chances badh jaayen 🙂

upar diye gaye sabhi outline ka ka details me jaankari.mudra loan kaise milta haimudra loan kaise milta haimudra loan kaise milta hai

Bilkul 👍
Main Mudra Loan (PMMY) ko poori detail me, step-by-step, simple Hindi me samjha raha hoon. Aap isko padhkar khud apply kar sakte hain.

🌼 Pradhan Mantri Mudra Yojana (PMMY) – Puri Jaankari

🔹 Mudra Loan kya hai?

Mudra Loan Government of India ki scheme hai jiska full form hai:

MUDRA = Micro Units Development & Refinance Agency

Iska purpose hai:

• Chhote vyapari
• Naya business start karne wale
• Self-employed log

inko ₹10 lakh tak ka loan bina guarantee (jamin) dena.

🏦 1. Mudra Loan ke Types (Detail me)

🔸 1. Shishu Loan

• Amount: ₹1 se ₹50,000 tak
• Kiske liye:
  • Naya business
  • Thela, chai stall, small shop
• Risk kam hota hai, approval easy
• Zyada tar zero processing fee

🔸 2. Kishor Loan

• Amount: ₹50,001 se ₹5 lakh
• Kiske liye:
  • Chal raha business
  • Machinery kharidni ho
  • Stock badhana ho
• Bank business proof dekhta hai

🔸 3. Tarun Loan

• Amount: ₹5 lakh se ₹10 lakh
• Kiske liye:
  • Achha chal raha business
  • Business expansion
• Bank:
  • Income proof
  • Bank statement
  • Strong business plan maangta hai

✅ 2. Kaun Mudra Loan le sakta hai?

Eligible log:

• Indian citizen
• Age: 18–65 saal
• Chhota vyapari / dukandaar
• Manufacturing / Service / Trading business
• Self-employed jaise:
  • Driver
  • Tailor
  • Plumber
  • Electrician
  • Beauty parlour
  • Online seller

❌ Ineligible:

• Agriculture farming (crop ke liye)
• Personal use ke liye loan

📄 3. Zaroori Documents (Full List)

🆔 Personal Documents

• Aadhaar Card
• PAN Card (₹50,000 se upar mandatory)
• Passport size photo

🏠 Address Proof

• Aadhaar
• Voter ID
• Electricity bill

🏪 Business Documents

(Loan amount ke hisaab se)

• Shop photo
• Rent agreement / ownership proof
• Udyam Registration (optional but helpful)
• GST (agar ho)
• Trade license
• Business bill / receipt

🏦 Bank Documents

• Last 6 months bank statement
• Bank passbook

📝 4. Business Plan kaise banaye? (Simple)

Bank ko bas ye jaan’na hota hai:

1. Aap kya business kar rahe ho?
2. Kitna paisa chahiye?
3. Paisa kaise use karoge?
4. Loan kaise chukaaoge?

Example:

Main chai ki dukaan chalata hoon.
₹1.5 lakh loan chahiye.
Isme machine, gas, cup aur raw material kharidunga.
Roz ₹1500–2000 ka profit hoga jisse EMI bhar dunga.

🏦 5. Mudra Loan Apply karne ke tareeke

🔹 Option 1: Bank jaakar (Best Method)

Banks:

• SBI
• PNB
• Bank of Baroda
• Canara Bank
• Gramin Bank
• Cooperative Bank

Steps:

1. Bank branch jaaiye
2. Mudra Loan form maangiye
3. Form fill kijiye
4. Documents attach kijiye
5. Verification hoga
6. Approval ke baad paisa account me

⏳ Time: 7–20 din

🔹 Option 2: Online Apply for mudra loan kaise milta hai

​

Website:
👉 https://www.udyamimitra.in

Steps:

1. Website open kijiye
2. Business details fill kijiye
3. Amount select kijiye
4. Submit kijiye
5. Bank call karega

💰 6. Interest Rate & Repayment()

• Interest rate: 8% – 12% per year
• Loan duration: 3 – 5 saal
• EMI monthly hoti hai
• Kuch banks moratorium period bhi dete hain

🔐 7. Security / Guarantee

• Koi collateral nahi
• Koi guarantor nahi
• Government scheme ke under safe loan

❌ 8. Mudra Loan Reject hone ke kaaran

• CIBIL score bahut kharab
• Fake documents
• Business proof clear na ho
• Income bahut kam ho
• Pehle se unpaid loan

✅ 9. Approval chance kaise badhaye?

• Aadhaar + PAN ready rakhein
• Business jagah ki clear photo
• Bank account active ho
• Loan amount realistic rakhein
• Same bank jahan account ho, wahi apply karein

FAQ for mudra loan kaise milta hai

mudra loan kaise milta hai

​mudra loan kaise milta hai

​

​

1️⃣ Aap kaunsa business kar rahe ho / karna chahte ho?

(jaise: grocery shop, chai stall, mobile shop, silai, driving, beauty parlour, etc.)

2️⃣ Kitne rupaye ka Mudra Loan chahiye?

(₹50,000 / ₹1 lakh / ₹2 lakh / ₹5 lakh / ₹10 lakh)

3️⃣ Aapka bank account kis bank me hai?

(SBI, PNB, Bank of Baroda, Gramin Bank, etc.)

Mudra Loan se judi aur important jaankari of mudra loan kaise milta hai

🧾 1️⃣ EMI kaise banti hai? (Example ke saath)

Maan lijiye:

• Loan: ₹2,00,000
• Interest: 10%
• Time: 3 saal

➡️ EMI approx ₹6,500–7,000 / month
(Exact EMI bank batata hai)

⏳ 2️⃣ Paisa milne ke baad kya karna hota hai?

• Loan ka paisa sirf business me use karein
• Bank kabhi-kabhi check karta hai
• EMI time par bharte rahen
• Delay hua to CIBIL score kharab hota hai

🆔 3️⃣ CIBIL score kitna hona chahiye?

• 650+ = achha
• 600–650 = chance hai
• 600 se kam = problem ho sakti hai

👉 Agar pehle kabhi loan nahi liya, tab bhi Mudra mil sakta hai (Shishu category me)

🧑‍💼 4️⃣ Kya bina business ke Mudra milta hai?

• Naya business ke liye mil sakta hai
• Par bank:
  • plan
  • jagah
  • skill
    dekh kar approve karta hai

🏠 5️⃣ Ghar se business ho to?

✔️ Haan, bilkul milta hai
Jaise:

• silai
• online work
• tiffin service
• beauty work

Bas address proof + photo chahiye

🏷️ 6️⃣ Udyam Registration karana zaroori hai?

• Zaroori nahi, par bahut helpful
• Free hota hai
• Approval chance badhta hai

(Chaaho to main process bhi bata deta hoon)

🚫 7️⃣ Agent / dalal se bachaav

❌ Mudra Loan ke liye:

• Koi fee nahi
• Koi commission nahi
• Koi “guarantee approval” nahi

👉 Agar koi paisa maange → fraud

🧠 8️⃣ Sabse zyada approve kis category me hota hai?

• ✅ Shishu Loan (₹50,000 tak)
• New logon ke liye best
• Risk kam, process easy

📌 9️⃣ Ek smart trick (important)

👉 Jis bank me aapka purana account ho, wahi apply karein
Approval fast hota hai 👍

MUDRA LOAN APPLICATION FORM(mudra loan kaise milta hai)

(Ready-Made Format)

1️⃣ Applicant (Aavedak) ki Jaankari

Applicant Name: ______________________
Father/Husband Name: __________________
Date of Birth: _________________________
Age: ________
Mobile Number: ________________________
Aadhaar Number: ______________________
PAN Number: __________________________
Full Address: __________________________

2️⃣ Business ki Jaankari

Business ka Naam: ______________________
Business Type: Manufacturing / Trading / Service
Business Nature: _______________________
Business Address: ______________________
Naya ya Purana Business: _______________
Kitne saal se business: ________________

3️⃣ Loan ki Jaankari -mudra loan kaise milta hai

Mudra Category: Shishu / Kishor / Tarun
Loan Amount Required (₹): ______________
Loan Purpose (kis kaam ke liye):

Loan Repayment Period: ____ saal

4️⃣ Income & Expense Detail

Monthly Income (Approx): ₹__________
Monthly Expense (Approx): ₹__________
Monthly Profit (Approx): ₹__________

5️⃣ Bank Detail

Bank Name: __________________________
Branch Name: ________________________
Account Number: _____________________
IFSC Code: __________________________

6️⃣ Declaration

Main yeh declare karta/ karti hoon ki upar di gayi sabhi jaankari sach hai. Loan ka upyog sirf business ke liye kiya jayega.

Applicant Signature: ____________
Date: _____________
Place: ____________

🟢 FILLED EXAMPLE (Sample Bhara Hua Form)

1️⃣ Applicant Detail

Applicant Name: Ram Kumar
Father Name: Shyam Lal
DOB: 10/05/1995
Age: 30
Mobile: 9XXXXXXXXX
Aadhaar: 1234-5678-9012
PAN: ABCPK1234F
Address: Ward No-5, Main Road, Lucknow

2️⃣ Business Detail

Business Name: Ram Chai Stall
Business Type: Service
Nature: Chai & Snacks Stall
Business Address: Bus Stand ke paas, Lucknow
Business Status: Chal raha business
Duration: 1.5 saal

3️⃣ Loan Detail

Mudra Category: Kishor
Loan Amount: ₹2,00,000
Loan Purpose:
Chai machine, gas stove, raw material aur stall renovation ke liye

Repayment Period: 3 saal

4️⃣ Income Detail

Monthly Income: ₹35,000
Monthly Expense: ₹20,000
Monthly Profit: ₹15,000

5️⃣ Bank Detail

Bank Name: State Bank of India
Branch: City Branch
Account No: 12345678901
IFSC: SBIN0001234

6️⃣ Declaration

Main loan ki EMI time par jama karunga aur loan ka upyog sirf business ke liye karunga.

Signature: Ram Kumar
Date: 29/01/2026
Place: Lucknow

✅ Tip (Bahut Important)

• Isi form ke saath Aadhaar, PAN, Photo, Bank Statement, Shop Photo attach kar den
• Apne existing bank branch me dena best hota hai

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