Mudra Loan Apply 2026 — 10 Lakh Tak Ka Loan Bina Guarantee Ke
PM Mudra Yojana mein ₹10 Lakh tak ka business loan milta hai bina kisi guarantee ke. Teen categories: Shishu, Kishore, Tarun — janiye kaise apply karein.
PM Mudra Yojana Kya Hai?
Pradhan Mantri Mudra Yojana (PMMY) 2015 mein launch hui. Small business owners ko ₹10 Lakh tak ka collateral-free loan milta hai. MUDRA = Micro Units Development & Refinance Agency.
Teen Categories
| Category | Loan Amount | Ke Liye |
|---|---|---|
| 🐣 Shishu | ₹50,000 tak | Naya business shuru karna |
| 📈 Kishore | ₹50,001 – ₹5 Lakh | Established business grow karna |
| 🚀 Tarun | ₹5 Lakh – ₹10 Lakh | Big expansion/upgrade |
Interest Rate
- Koi fixed rate nahi — bank decide karti hai
- Average: 8.5% – 12% p.a.
- Shishu loans pe usually subsidized rate milti hai
Kahan Se Apply Karein
- Kisi bhi government/private bank ki branch
- Microfinance institutions
- mudra.org.in portal
- Jan Dhan Bank account holders priority pe
Documents
- 📄 Aadhaar + PAN
- 📄 Business proof (GST/udyam registration)
- 📄 2 passport photos
- 📄 Bank statement 6 months
- 📄 Business plan (simple format)
