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Mudra loan



To apply for a Mudra loan online, follow these steps:


1. Visit the PM MUDRA official website and select the Udyamimitra portal.

2. Click on "Mudra loan Apply Now."

3. Choose one of the following options:

   - New entrepreneur

   - Existing entrepreneur

   - Self-employed professional

4. Fill in your name, email, and mobile number, and generate an OTP.


Remember that there are no agents or middlemen engaged by MUDRA for availing Mudra loans. Be cautious of anyone posing as an agent or facilitator of MUDRA/PMMY. You can directly apply through the Udyamimitra portal or visit a nearby branch office of a bank, NBFC, or MFI to avail of Mudra loans³. Good luck with your application! 🌟


What are the eligibility criteria for Mudra loans?

The Pradhan Mantri Mudra Yojana (PMMY) provides micro credit/loans up to ₹10 lakhs to income-generating micro enterprises in the non-farm sector. Here are the eligibility criteria:


1. Age: Applicants must be between 18 and 65 years old (at the time of final EMI repayment).

2. Business Type: The loan is for non-agricultural activities.

3. Loan Amount:

   - Shishu: Up to ₹50,000

   - Kishore: Above ₹50,000 and up to ₹5 lakhs

   - Tarun: Above ₹5 lakhs and up to ₹10 lakhs


4. Credit History: No past loan defaults with any financial institution and a satisfactory credit track record.


5. Skills/Experience: Necessary skills/experience/knowledge relevant to the proposed activity.


6. Educational Qualification: Assessed based on the nature of the proposed activity¹²³. Remember, there are no agents or middlemen engaged by MUDRA for availing Mudra Loans, so be cautious of anyone posing as an agent or facilitator¹. Good luck with your application! 🌟


What documents are required for a Mudra loan application?


To apply for a Mudra loan, you'll need the following documents:


1. Mudra Application Form: Duly completed with passport-sized photographs.

2. KYC Documents for the Applicant:

   - Passport

   - Voter ID card

   - Driving License

   - PAN card

   - Aadhaar Card

   - Utility Bills (Water/Electricity Bills)

   - Birth certificate

   - Class X certificate

3. Income Proof: Last 12 months' bank statement⁵. Good luck with your application! 🌟

What is the interest rate for Mudra loans?


The interest rates for Mudra loans vary depending on the lending institution and the loan tenure. Here are some approximate rates:


- Shishu Loans: Start at around 7.30% p.a.

- Kishor Loans: Vary between 7.30% and 10.55% p.a.

- Tarun Loans: Also range from 7.30% to 10.55% p.a. 


Remember that these rates may differ slightly based on the specific bank or financial institution you choose. Good luck with your application! 🌟


Can I apply for a Mudra loan online without visiting a bank branch?


Yes, you can apply for a Mudra loan online without visiting a bank branch. To do so, follow these steps:


1. Visit the PM MUDRA official website (https://www.mudra.org.in/) and select the Udyamimitra portal.

2. Click on "Mudra loan Apply Now."

3. Choose your category (new entrepreneur, existing entrepreneur, or self-employed professional).

4. Fill in your details, including name, email, and mobile number, and generate an OTP.


Remember that there are no agents or middlemen engaged by MUDRA for availing Mudra loans. Be cautious of anyone posing as an agent or facilitator of MUDRA/PMMY. You can directly apply through the Udyamimitra portal or visit a nearby branch office of a bank, NBFC, or MFI to avail of Mudra loans . Good luck with your application! 🌟


Can I apply for a Mudra loan if my business is in agriculture?


Certainly! The Pradhan Mantri Mudra Yojana (PMMY) provides micro credit/loans up to ₹10 lakhs to income-generating micro enterprises in the non-farm sector. This includes activities allied to agriculture, such as poultry, dairy, and beekeeping. So, if your business falls within these categories, you are eligible to apply for a Mudra loan¹²³. Good luck with your application! 🌟



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