PM Mudra Loan Yojana 2025 – Ab ₹20 Lakh Tak Business Loan Bina Guarantee! Tarun Plus Kya Hai?
✅ Verified Key Facts (2025):
- 2024 Budget Update: Max limit ₹10L se badhkar ₹20 lakh (July 2024)
- New 4th category: Tarun Plus — ₹10L–₹20L (Oct 24, 2024 se effective)
- Total loans sanctioned since 2015: 57.79 crore+
- No collateral required — koi guarantee nahi chahiye
- Apply: udyamimitra.in ya nearest bank branch
Mudra Loan Kya Hai?
Pradhan Mantri Mudra Yojana (PMMY) April 8, 2015 ko launch hui. Iska uddeshya hai non-farm small/micro enterprises ko bina kisi guarantee ke business loan dena — vegetable seller, tailor, plumber, mechanic, beauty parlour, small manufacturer — sabke liye.
4 Categories – Updated 2025
| Category | Loan Amount | Ke Liye |
|---|---|---|
| Shishu | Up to ₹50,000 | Naya startup / very early stage |
| Kishore | ₹50,001 – ₹5 lakh | Working capital, machinery |
| Tarun | ₹5 lakh – ₹10 lakh | Established business expansion |
| Tarun Plus 🆕 | ₹10 lakh – ₹20 lakh | Sirf jo Tarun loan repay kar chuke hain |
Kaun Apply Kar Sakta Hai?
- ✅ Koi bhi Indian citizen jinka non-farm income-generating business ho
- ✅ Vegetable/fruit seller, tailor, barber, plumber, electrician, mechanic
- ✅ Small manufacturer, food stall, beauty parlour
- ✅ Naya business start karne wale (startup)
- ❌ Existing loan defaulters eligible nahi hain
Apply Kaise Karein?
- Visit: udyamimitra.in (official online portal)
- Ya nearest bank branch mein seedha jaayein
- Business type aur category choose karein
- Application form + documents submit karein
- Bank appraisal ke baad loan disburse hoga
Documents Required
📄 Aadhaar + PAN Card
🏦 Bank Statement (6 months)
📋 Business Plan / Quotation
📸 2 Passport size photos
💡 Tip: Shishu loans ke liye processing fee nahi hoti. Kishore/Tarun ke liye kuch banks 0.50% + GST charge karte hain. Pehle apni bank se confirm karein.
Helpline & Official Links
| Resource | Details |
|---|---|
| Official Site | mudra.org.in |
| Online Apply | udyamimitra.in |
Disclaimer: Interest rate bank-specific hoti hai — mudra.org.in ya udyamimitra.in se verify karein.