PM Mudra Loan Apply Online 2026 – Complete Guide, Eligibility, Documents & Process,mudra.org.in

 PM Mudra Loan Apply Online 2026 Micro Units Development & Refinance Agency Ltd. (MUDRA) is a financial institution set up by the Government of India to provide funding support to the non-corporate, non-farm sector. The objective of MUDRA is to promote income-generating activities of micro and small enterprises whose credit requirements are below ₹10 lakh.

What is PM Mudra Loan?

Pradhan Mantri Mudra Yojana (PMMY) is a government scheme that provides business loans without collateral (no security required) to small businesses, self-employed, shopkeepers, freelancers, artisans, and micro-enterprises

Loan Amount & Categories (2026)

1. Shishu Mudra Loan Up to ₹50,000
2. Kishore Mudra Loan ₹50,001 – ₹5,00,000
3. Tarun Mudra Loan ₹5,00,001 – ₹10,00,000
4. Tarun Plus (New 2026) ₹10,00,001 – ₹20,00,000

Who is Eligible? (Eligibility Criteria)

• Indian citizen
• Age 18–65 years
• Business must be for income generation (shop, service, manufacturing, etc.)
• Not a defaulter in bank/financial institution
• Has a bank account + Aadhaar
• Aadhaar-based e-KYC accepted in most cases (faster)

Documents Required (Checklist)

• Aadhaar Card
• PAN Card
• Address Proof
• Bank passbook / cancelled cheque
• Passport size photo
• Business details
• GST (if applicable)
• Bank statement (for higher loans)

Step-by-Step Online Apply Process (2026)

1. Visit Official Portal : Go to the Jan Samarth Portal (Gov of India scheme portal) and select Pradhan Mantri Mudra Yojana or “Apply for Mudra Loan.

2.Choose Loan Category : Pick the right category based on the loan amount you want (Shishu / Kishore / Tarun / Tarun Plus). 

3 Fill Personal & Business Details :

• Mobile number + Email
• Aadhaar number (OTP verification)
• Business information
• Loan amount needed
• Bank account details

4. Upload Documents

• Upload all required KYC, business documents, bank passbook scan/JPG.

5. Submit & Track

• Submit the online form
• You will get an Application ID / Reference number
• Track status online or through the bank you selected

PM MUDRA LOAN 2026 – Frequently Asked Questions (FAQ)

Q1. What is PM Mudra Loan?

• PM Mudra Loan (Pradhan Mantri Mudra Yojana) is a Government of India scheme that provides collateral-free business loans to small businesses, shopkeepers, self-employed persons, and micro-entrepreneurs.

Q2. How much loan can I get under Mudra Yojana?

• You can get a loan from ₹50,000 up to ₹10 lakh, and in some cases up to ₹20 lakh (Tarun Plus) depending on bank rules and your business profile.

Q3. What are the Mudra loan categories?

• Shishu: Up to ₹50,000
• Kishore: ₹50,001 to ₹5,00,000
• Tarun: ₹5,00,001 to ₹10,00,000
• Tarun Plus: ₹10,00,001 to ₹20,00,000

Q4. Who is eligible for PM Mudra Loan?

• Is an Indian citizen
• Is 18–65 years old
• Has a business or business plan
• Is not a bank defaulter
• Has a bank account & Aadhaar