PM Mudra loan (Pradhan Mantri Mudra Yojana) mein chhote business ko bina guarantee ₹20 lakh tak loan milta hai. Neeche loan amount daalein — aapki category (Shishu / Kishore / Tarun / Tarun Plus), EMI, kul byaj aur zaroori documents turant dikhenge. Free, no login.
🆕 Taaza update (13 Oct 2026): RBI ne 7 Oct ko repo rate 5.25% se badhakar 5.50% kiya (RBI press release). Agar aapka Mudra loan repo-linked (EBLR) hai to bank byaj thoda badha sakta hai. Bank se nayi dar poochh kar neeche EMI dobara dekhein. Sabhi yojana updates →
हिंदी में पढ़ें: मुद्रा लोन गाइड और कैलकुलेटर →
PM Mudra Loan Calculator
See your Mudra category (Shishu, Kishore, Tarun, Tarun Plus), monthly EMI, total interest and the documents to carry. मुद्रा लोन — कैटेगरी, EMI और ज़रूरी कागज़।
Free estimate, not a loan offer. Mudra loans are for non-farm income activities (manufacturing, trading, services, and allied activities like dairy, poultry, bee-keeping). Limits as per PMMY with Tarun Plus (Union Budget 2024). Official site: mudra.org.in. Last checked 3 Oct 2026.
Watch: 60-second explainer (Hindi)
Mudra Loan 2026: शिशु, किशोर, तरुण, तरुण प्लस | ₹20 लाख तक बिना गारंटी
Mudra loan ki 4 category (2026)
| Category | Loan amount | Kiske liye |
|---|---|---|
| Shishu | ₹50,000 tak | Naya kaam, chhota saaman / stock |
| Kishore | ₹50,001 – ₹5 lakh | Machine, dukaan badhana |
| Tarun | ₹5 lakh – ₹10 lakh | Bada setup, zyada stock |
| Tarun Plus | ₹10 lakh – ₹20 lakh | Sirf unke liye jinhone Tarun loan time par chukaya |
- Collateral: ₹10 lakh tak koi guarantee / property nahi. Loans CGFMU guarantee mein cover hote hain.
- Byaj: bank tay karta hai (aam taur par 9–12%; SBI e-Mudra EBLR + 3.25%).
- Samay: aam taur par 3–5 saal (moratorium bank par nirbhar).
- Processing fee: Shishu par nil; Kishore/Tarun par bank ke hisaab se.
- Subsidy nahi hai — subsidy chahiye toh PMEGP (15–35%) dekhein.
SBI e-Mudra: ₹50,000 online kaise lein
- SBI mein kam se kam 6 mahine purana savings / current account ho, Aadhaar linked ho.
- SBI e-Mudra portal par business ki details, Aadhaar OTP aur e-sign se apply karein.
- ₹50,000 tak turant (bank ke eligibility norms par); ₹1 lakh tak ke liye branch jaana padta hai.
- Shishu loan par processing fee nahi.
Mudra loan kaun le sakta hai
- Koi bhi Indian jiska non-farm income wala kaam hai — dukaan, rehdi, repair, tailoring, beauty parlour, chhoti factory, transport (auto / tempo), food business.
- Dairy, poultry, bee-keeping, fishery jaisi allied activities bhi.
- Bank ka purana default (NPA) nahi hona chahiye.
- Company (Pvt Ltd) ya bade business ke liye nahi — micro / small units ke liye.
Apply kaise karein
- Bank branch: koi bhi PSU bank, private bank, RRB, small finance bank, NBFC / MFI.
- Online: JanSamarth portal ya Udyamimitra.
- Kishore / Tarun ke liye free project report saath le jaayein — approval chance badhta hai.
Galtiyan jo log karte hain
- Agent / dalal ko “file charge” dena — Mudra mein yeh nahi lagta.
- Zarurat se zyada amount maangna — Shishu/Kishore jaldi milta hai, phir time par chukakar agla bada loan lein.
- Quotation aur project report ke bina jaana — bank mana kar sakta hai.
Aksar pooche jaane wale sawaal
Mudra loan kitna milta hai? Shishu ₹50,000 tak, Kishore ₹50,001–₹5 lakh, Tarun ₹5–10 lakh aur Tarun Plus ₹10–20 lakh (sirf un borrowers ke liye jinhone pehle Tarun loan chukaya ho).
Mudra loan par byaj kitna hai? Byaj bank tay karta hai, aam taur par 9–12% saalana. SBI e-Mudra par EBLR + 3.25% hai.
Kya Mudra loan mein guarantee chahiye? ₹10 lakh tak koi collateral nahi chahiye. Loans CGFMU guarantee scheme mein cover hote hain.
SBI e-Mudra se ₹50,000 kaise milega? SBI mein 6 mahine purana account ho toh SBI e-Mudra portal par Aadhaar OTP aur e-sign se apply karein; ₹50,000 tak turant mil sakta hai.
Mudra loan mein subsidy milti hai? Nahi, Mudra mein subsidy nahi hai. Naye unit ke liye PMEGP mein 15–35% subsidy milti hai.
Mudra loan ki EMI kaise nikalein? Upar calculator mein loan amount, byaj dar aur saal daalein — EMI, kul byaj aur total repayment turant dikhega.
Sources: mudra.org.in, Union Budget 2024 (Tarun Plus), SBI e-Mudra terms. Last checked 3 Oct 2026. Final loan decision bank ka hota hai.
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