PM Mudra Loan Yojana 2026-27

Detailed Information: PM Mudra Loan Yojana 2026-27: संक्षिप्त विवरण एवं मुख्य बिंदु

प्रधानमंत्री मुद्रा योजना (PMMY) के तहत देश के छोटे कारोबारियों और नया बिजनेस शुरू करने वाले युवाओं को बिना किसी गारंटी के आसान शर्तों पर लोन उपलब्ध कराया जाता है। इस योजना के माध्यम से आवेदक अपनी जरूरत और बिजनेस के पैमाने के अनुसार ₹50,000 से लेकर ₹20 लाख तक का लोन प्राप्त कर सकते हैं, जिससे स्वरोजगार को बढ़ावा मिल सके।

मुख्य हाइलाइट्स (Key Highlights):

पात्रता (Eligibility): भारत का नागरिक, जिसकी आयु 18 से 65 वर्ष के बीच हो और जो मैन्युफैक्चरिंग, ट्रेडिंग या सर्विस सेक्टर में नया या पुराना बिजनेस चला रहा हो।
लोन राशि (Loan Amount): ₹50,000 से लेकर अधिकतम ₹20,00,000 तक (श्रेणी के अनुसार)।
आवेदन प्रक्रिया (Application Mode): ऑनलाइन (JanSamarth पोर्टल या बैंक की आधिकारिक वेबसाइट के माध्यम से) एवं ऑफलाइन।
आवश्यक दस्तावेज (Required Documents): आधार कार्ड, पैन कार्ड, बिजनेस का प्रमाण, बैंक स्टेटमेंट और पासपोर्ट साइज फोटो।

महत्वपूर्ण सलाह: लोन के लिए आवेदन करने से पहले आवेदक बैंक के नियमों, ब्याज दरों और आधिकारिक पोर्टल पर दिशा-निर्देशों की जाँच अवश्य कर लें।

PM Mudra Loan Yojana 2026-27: Up to Rs. 20 Lakh Collateral-Free Business Loan

Important Details

Application Mode: Online / Offline
Academic/Financial Session: 2026-27
Target Group: Small Entrepreneurs & Startups

Loan Categories & Limit

Shishu Category: Up to Rs. 50,000/-
Kishor Category: Rs. 50,001 to Rs. 5 Lakhs
Tarun Category: Rs. 5 Lakh to Rs. 10 Lakhs
Tarun Plus: Rs. 10 Lakh to Rs. 20 Lakhs (Max)
(Note: Tarun Plus category sirf pichhle Tarun loan chukane wale uchh vyavasayiyon ke liye hai.)

Eligibility Criteria

Citizenship: Applicant Bharat ka nagrik hona chahiye (Age 18 to 65 years).
Business Sector: Manufacturing, Trading, aur Services sector se jude small & micro enterprises.
Credit History: Applicant kisi bhi bank ya financial institution ka loan defaulter nahi hona chahiye.
Collateral: Is loan ke liye kisi bhi prakar ki girvi ya collateral ki avashyakta nahi hai.
Experience: Vyavsay ko chalane ke liye aavashyak skill ya anubhav hona anivarya hai.

Required Documents

Identity Proof: Aadhaar Card, PAN Card, Voter ID
Address Proof: Utility Bill / Ration Card
Business Proof: Business Registration / License / GST Details
Bank Statement: Pichhle 6 mahine ka bank khate ka statement
Photographs: Applicant ki 2 passport size photo
Project Report: Business plan ya project report (Kishor/Tarun ke liye)

Maximum Loan Amount	Collateral Requirement
₹20,00,000	Zero Collateral (No Security Required)

Mudra Loan Categories & Limit Details

Category	Loan Limit	Target Borrowers / Purpose
Shishu	Up to ₹50,000	New micro-businesses & first-time entrepreneurs
Kishor	₹50,001 to ₹5 Lakhs	Established small businesses looking for expansion
Tarun	₹5 Lakhs to ₹10 Lakhs	Growing enterprises to increase working capital
Tarun Plus	₹10 Lakhs to ₹20 Lakhs	Successful previous Tarun borrowers for scaling up
Maximum Financial Benefit		Up to ₹20 Lakhs

Interest Rates & Repayment Tenure

Parameter	Details / Guidelines
Interest Rate	As per bank's marginal cost of funds / RBI guidelines (Starts approx from 8.5% p.a.)
Repayment Period	Flexible tenure ranging from 3 months up to 7 years
Processing Fee	Zero or minimal fee as per lending institution norms (Shishu loans par zero processing fee)
Eligible Lenders	Commercial Banks, Regional Rural Banks, MFIs, and NBFCs

How to Apply (Online Process)

Sabse pehle official JanSamarth portal ya Mudra loan portal par jayein.
Apne mobile number ke sath registration karein aur OTP verification complete karein.
Pradhan Mantri Mudra Yojana (PMMY) option ko select karein aur 'Apply Online' par click karein.
Maangi gayi sabhi personal, business aur financial details ko dhyanpurvak bharein.
Aavashyak documents jaise Aadhaar card, PAN card, business proof aur bank statement upload karein.
Form ko final submit karne ke baad application reference number ya printout apne paas surakshit rakh lein.

Useful Important Links

Apply Online / JanSamarth Portal	Click Here
Application Status	Click Here
Official Website	Click Here
Our Homepage	Click Here
Age Calculator	Click Here
Our Sharda Tool	Click Here
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FAQs – PM Mudra Loan Yojana 2026-27

Q1. PM Mudra Loan Yojana 2026-27 ke tahat kitna loan milta hai?

Is yojana ke tahat aavedak apni avashyakta ke anusar ₹50,000 se lekar ₹20 lakh tak ka collateral-free business loan praapt kar sakte hain.

Q2. Mudra loan lene ke liye kya kisi guarantee ya collateral ki jarurat hoti hai?

Nahi, Mudra loan ke liye kisi bhi tarah ki security ya collateral ki aavashyakta nahi hoti hai.

Q3. Mudra loan kitni categories mein bata hua hai?

Yeh loan mukhya roop se chaar categories mein bata hai - Shishu (₹50,000 tak), Kishor (₹5 lakh tak), Tarun (₹10 lakh tak) aur Tarun Plus (₹20 lakh tak).

Q4. Mudra loan ke liye aavedan kaise kiya ja sakta hai?

Aap JanSamarth portal ya apne najdiki bank branch, NBFC ya microfinance institution ke madhyam se online ya offline aavedan kar sakte hain.

Q5. Kya personal use ke liye Mudra loan mil sakta hai?

Nahi, Pradhan Mantri Mudra Yojana kewal non-farm income-generating business activities (manufacturing, trading, services) ke liye hi uplabdh hai.