Pradhan Mantri Mudra Yojana (PMMY)

Central GovtCategory: MSMEMinistry: Ministry of Finance

Loans up to Rs. 10 lakh to non-corporate, non-farm small/micro enterprises. Three categories: Shishu, Kishore, Tarun. No collateral required.

Eligibility criteria

  • 18+
  • Small business or entrepreneur

How to apply

Application mode: hybrid · Official application portal

  1. Visit udyamimitra.in or bank branch — Application portal accessed
  2. Fill application with business plan — Form submitted
  3. Loan disbursed in 7-15 days of approval — Funds credited

Required documents

Required

  • Aadhaar Card — 12-digit UIDAI identification (Original or photocopy)
  • PAN Card — Permanent Account Number (Original)
  • Bank Account Passbook — Active bank account (First page)
  • Business Plan / DPR — Business proposal (PDF)

Official source: https://www.mudra.org.in/#mudra-yojana

Last verified: 23 June 2026

Your eligibility

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Compatibility with other schemes

Compatible schemes

You can claim this scheme alongside the following schemes.

  • Credit Guarantee Fund for Micro and Small Enterprises (CGTMSE) — MUDRA loans up to Rs. 10 lakh; CGTMSE covers larger amounts

Incompatible schemes

You cannot claim this scheme together with the schemes below.

  • Stand-Up India Scheme — Stand-Up India and MUDRA loans cannot run simultaneously for the same enterprise