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- info@pmgep.net
The Pradhan Mantri Mudra Yojana (PMMY) is a Government of India scheme providing collateral-free business loans up to ₹20 lakh to non-corporate, non-farm small/micro-enterprises. Aimed at income generation, these loans support startups, vendors, and small manufacturers through banks and MFIs in three categories—Shishu (up to ₹50k), Kishore (up to ₹5L), and Tarun (up to ₹10L/20L).
Eligibility: Individuals, proprietary concerns, partnership firms, and small companies engaged in manufacturing, trading, or service sectors.
Categories & Loan Amount:
Purpose: Working capital, purchasing machinery/equipment, or transporting vehicles for commercial use.
Interest Rate: Generally starts around 7.25% p.a. onwards, varying by bank and risk assessment.
Application Process: Available online via the JanSamarth Portal or the Udyamimitra portal.
Benefits:
No Collateral: The loans are guaranteed under the Credit Guarantee Fund for Micro Units (CGFMU), meaning no collateral or guarantor is required.
Easy Access: Loans can be obtained from public/private sector banks, RRBs, NBFCs, and MFIs.
Repayment: Flexible repayment options, often with tenure up to 5 years.
PM Mudra Loan Department is a trusted financial service provider dedicated to helping individuals and businesses achieve their financial goals.
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