PM Mudra Loan 2026 मुद्रा लोन डिटेल
प्रधानमंत्री मुद्रा योजना (PMMY) – बिना गारंटी के ₹50,000 से ₹20 लाख तक लोन
₹50,000
से
₹20,00,000
बिना गारंटी
₹50,000
Minimum Loan
₹20 Lakh
Maximum Loan
8.50%
Starting Interest
59+
Banks
📋 PM Mudra Loan Detail 2026 – पूरी जानकारी
प्रधानमंत्री मुद्रा योजना (PMMY) भारत सरकार की एक प्रमुख योजना है जो छोटे व्यवसायों को बिना गारंटी के लोन प्रदान करती है। इस योजना के तहत ₹50,000 से ₹20 लाख तक का लोन दिया जाता है।
मुख्य विशेषता: इस लोन के लिए किसी प्रकार की गारंटी (Collateral) या गारंटर की आवश्यकता नहीं होती है।
📊 Mudra Loan Categories – ₹50,000 से ₹20 लाख
Shishu
₹0 – ₹50,000
नए व्यवसायों के लिए
ब्याज दर: 8.50% – 9.50%
Kishor
₹50,001 – ₹5,00,000
स्थापित व्यवसायों के लिए
ब्याज दर: 9.00% – 10.00%
Tarun
₹5,00,001 – ₹20,00,000
व्यवसाय विस्तार के लिए
ब्याज दर: 9.50% – 10.50%
💰 Loan up to ₹20 Lakh available under Tarun category. No collateral required for loan up to ₹20 lakh.
🏦 Top Banks Mudra Loan Interest Rates 2026
| Bank Name | Shishu (₹50k) | Kishor (₹5 Lakh) | Tarun (₹20 Lakh) | Women Concession |
|---|---|---|---|---|
| State Bank of India (SBI) | 8.50% | 9.00% | 9.50% | 0.25% lower |
| Bank of Baroda | 8.70% | 9.20% | 9.75% | 0.25% lower |
| Punjab National Bank | 8.60% | 9.10% | 9.60% | 0.25% lower |
| Canara Bank | 8.60% | 9.15% | 9.70% | 0.25% lower |
| HDFC Bank | 9.10% | 9.60% | 10.25% | 0.25% lower |
| ICICI Bank | 9.25% | 9.75% | 10.40% | 0.25% lower |
🧮 Mudra Loan EMI Calculator (₹50,000 to ₹20 Lakh)
अपने लोन की EMI की गणना करें:
Monthly EMI
₹0
Total Interest Payable₹0
Total Payment₹0
Principal Amount₹0
✅ Mudra Loan Eligibility Criteria
Indian citizen (minimum 18 years of age)
Small business owner / entrepreneur
Shopkeepers, artisans, manufacturers
Service providers (transporters, electricians)
Food vendors, canteen owners, street vendors
Freelancers and self-employed professionals
Note: No minimum income or credit score required for Shishu category. For higher loans, basic business proof is sufficient.
📄 Documents Required for Mudra Loan
Aadhaar Card (आधार कार्ड)
PAN Card (पैन कार्ड)
Passport size photograph
Business proof (GST / Shop Act / Declaration)
6 months bank statement
Address proof (Electricity bill / Rent agreement)
Caste certificate (for SC/ST/OBC benefits)
✅ Shishu Category (₹50,000): Only Aadhaar Card and simple business declaration required.
🚀 Mudra Loan Online Apply – Step by Step Process
1
Choose BankSelect from Top Banks
2
Visit Website/AppSBI YONO, UMANG, Udyamimitra
3
Fill ApplicationPersonal & Business Details
4
Upload DocumentsAadhar, PAN, Business Proof
5
eKYC & SubmitLoan in 7-10 Days
🌟 Special Benefits of PM Mudra Loan
No collateral or guarantor required
Loan from ₹50,000 to ₹20 lakh
Quick processing (7-10 days)
Competitive interest rates starting 8.50%
Flexible repayment (3-5 years)
Available at 59+ banks across India
Special 0.25% – 0.50% concession for women
100% digital application option
🔗 Official Mudra Loan Websites & Apps
❓ Frequently Asked Questions (FAQs)
Q1: What is PM Mudra Loan 2026?
A: PM Mudra Loan is a government scheme providing collateral-free loans from ₹50,000 to ₹20 lakh to small business owners.
Q2: Can I get loan up to ₹20 lakh without guarantee?
A: Yes, under Tarun category, you can get loan up to ₹20 lakh without any collateral or guarantor.
Q3: What is the interest rate for ₹20 lakh Mudra loan?
A: Interest rates for ₹20 lakh loan range from 9.50% to 10.50% depending on the bank.
Q4: How to apply for PM Mudra Loan online?
A: You can apply through SBI YONO App, UMANG App, Udyamimitra Portal, or any bank’s official website.
Q5: What documents are needed for ₹20 lakh Mudra loan?
A: Aadhaar, PAN, business proof (GST/Shop Act), 6 months bank statement, and address proof.
Q6: Is Mudra loan available for existing businesses?
A: Yes, both new and existing businesses can apply. Existing businesses can upgrade from Shishu to Kishor/Tarun.
Q7: How long does Mudra loan approval take?
A: After online application, the loan is typically sanctioned within 7-10 working days.
Q8: Is there any subsidy on Mudra loan?
A: There is no direct subsidy, but women entrepreneurs get 0.25%-0.50% lower interest rates.