Pradhan Mantri Mudra Yojana (PMMY) – Funding the Unfunded

Pradhan Mantri Mudra Yojana
February 8, 2016 | Last Modified: February 13, 2016 at 12:14 pm | Category: Central Government, Pradhan Mantri Yojana

Pradhan Mantri Mudra Yojana (PMMY) is aimed to attain development in an inclusive and sustainable manner by supporting and promoting partner institutions and creating an ecosystem of growth for micro enterprises sector.

Basically, MUDRA Yojana is an initiative to fund the small business in India. The Indian Central Government has already disbursed Rupees 1 Lakh Crore in loans under the scheme across India. According to the official website of MUDRA, 26421492 number of loans has been sanctioned under MUDRA Yojana till February 5, 2016.

What is MUDRA
Micro Units Development & Refinance Agency Ltd. (MUDRA) is an institution for development and refinancing micro finance institutions such as banks, NBFCs, MFIs and Other financial intermediaries, which are in the business of lending to manufacturing, processing, trading and service sector activities whose credit needs is less than Rs. 10 lakh.

MUDRA provides refinance Support to banks, NBFCs / MFIs for PMMY. Other than the refinance product, MUDRA will also provide development support to the sector through other products. The other product offerings as depicted in the diagram below will be targeted across the spectrum of beneficiary segments.

MUDRA Products

MUDRA Products

How to Get a Loan Under Pradhan Mantri MUDRA Yojana

Pradhan Mantri Mudra Yojana (PMMY) is open and is available from all Bank branches across the country. However there is certain eligibility criteria to get a loan under MUDRA Yojana. Any individual including women, proprietary concern, partnership firm, private limited company or any other entity are eligible applicant under PMMY loans.

Under the aegis of Pradhan Mantri MUDRA Yojana (PMMY), MUDRA has formulated three Schemes to signify the stage of growth / development and funding needs of the beneficiary micro unit / entrepreneur:

  1. Shishu: Loans upto Rs. 50,000/-
  2. Kishor: Loans above Rs. 50,000/- and up to Rs. 5 lakh
  3. Tarun: Loans above Rs. 5 lakh and up to Rs.10 lakh

The MUDRA loans under the PMMY can be taken from the approved Non Banking Finance Companies (NBFCs), Micro Finance Institutions (MFIs), Public/Private Sector commercial banks and Regional Rural Banks (RRBs) across India. The loans will be sanctioned by the lending institutions as per the eligibility.

The borrowers who wish to avail MUDRA loan assistance under PMMY can contact directly to the banks, partnered financial institutions and non banking finance companies or the MUDRA nodal officers.

MUDRA has identified a total of 97 Nodal Officers across the country at various SIDBI regional/branch offices to act as “First Contact Person” for MUDRA. Below are the links to access the Toll free helpline numbers, list of Nodal officers, banks nodal officers, PMMY mission office contact details and PMMY offices in Mumbai.

PMMY Toll Free Numbers
Bank’s Nodal Officer – PMMY
MUDRA Nodal Officers
MUDRA Officers – Mumbai
PMMY Mission office Contact Details

Eligibility Criteria / Documents required for MUDRA Loan

  1. Self certified copy of identity proof such as Voter ID card / PAN Card / Aadhar Card / Passport / Driving License.
  2. Residence proof which may contain recent telephone or electricity bill, property tax receipt (not older than 2 months). Voter’s ID card, Aadhar Card & Passport of the borrower can also act as proof of residence.
  3. Proof of SC/ST/OBC/Minority.
  4. Copies of relevant licenses/registration certificates/other documents pertaining to the ownership, identity and address of business unit.
  5. The applicant should not be a defaulter in any Bank/Financial institution.
  6. Statement of accounts (for the last six months), from the existing banker, if any.
  7. Balance sheets of the units along with income tax/sales tax return etc of the last 2 years. (Applicable for all cases from Rs. 2 Lacs and above).
  8. Projected balance sheets for one year in case of working capital limits and for the period of the loan in case of term loan (Applicable for all cases from Rs. 2 Lacs and above).
  9. Project report (for the proposed project) containing details of technical & economic viability.
  10. Sales achieved during the current financial year up to the date of submission of application.
  11. Memorandum and articles of association of the company/Partnership Deed of Partners etc.
  12. Asset & Liability statement from the borrower including Directors & Partners may be sought to know the net-worth in the absence of third party guarantee.
  13. 2 copies of Photographs of each Proprietor/ Partners/ Directors.

Who can avail the MUDRA loan under PMMY
All non-farm sector income generating activities such as manufacturing, trading and services whose credit needs below Rs. 10 lakh are known as MUDRA Loans under Pradhan Mantri Mudra Yojana (PMMY).

MUDRA Loan Application Form for Shishu

Click on image to view the full size application form.

Mudra Loan Bank Application Form

Mudra Loan Bank Application Form for Sishu

The state wise details of loans/money sanctioned under the PM MUDRA Yojana can be found at http://www.mudra.org.in/PMMYReport

For further information on PM MUDRA YOJANA, please visit official website at: http://www.mudra.org.in

85 comments on “Pradhan Mantri Mudra Yojana (PMMY) – Funding the Unfunded

  1. Rohini says:

    all is on paper only. nobody will get it actually. banks will not entertain you, dear friends donot waste time for all these yojnas

  2. yogesh singh says:

    Respected p mantri ji, sir mai bahut jyada pareshan hu aur mai gareeb ghar se hu mai married bhi hu meri ek beti bhi h,Mere pass itna paisa bhi nahi jo mai thik se kha Saku business karne ki baat to door rahi,sir meri apse hath jodkar request h ki meri madad karne ki Krupa Karen. Yogesh singh- bareilly (up) mob_9286951181,

  3. Mangesh diliprao Shende says:

    Dear sir
    मै मंगेश दिलीपराव शेंडे जिल्हा वर्धा से.अगर आप गरीब लोगोके लिये योजन सुरू करते हो तो उसके बारे मे जानकारी लिया करो….
    भक्षटाचार इतना बंड गया है की आप योजना सुरू तो करते हो लेकीन ओ गरीब लोगो तक नहीं पोहोचती …
    यकीन ना आरे तो आप खुद sarch करो की कीतने लोगो को Mudra lone Mila he..or jinko Mila uske bare me bhi check kro q ki bank ka koi employee ऊसका रीलेटीव होगा.तभी ऊनको ही lone Mila honga… बाकी कीसोको नहीं मिला होगां.
    और bank me condition A he ki.अगर हम lone Lena ज्याये तो ओ हमे नहीं बोलते नहीं और हमारा काम भी करते नहीं..सीर्फ घुमाते है १० दीनबाद आओ. फीर गये तो २ दीन बाद आओ येसी तारीख मिलती है….
    कया घंटा lone देगे….

  4. राम किशन says:

    सर मै अयोध्या से किशन मै प्रघानमंत्री मुद्रा योजना का लाभ लेना चाहता हुं लेकिन फार्म नही मिल रहा है ! किपया मेरी मद्द करे मेरा मोबाईल नं. 9044270473 है

  5. amit kr saha says:

    sir pls help,need loan for travel agency business, i am from Varanasi,UP.i want to do business by the help of pmmy mudra yojana. banks from my city are non cooperative saying “koi yojana nahi hai”,they are passing loans only for richer businessmen not for smaller, they always used to refused us,so pls kindly help me to avail this yojana, which is realy made for poor people.
    Thank u

  6. sonali says:

    kya ye loan garibo ke liye ahe kiyuki in sari yojana ka labha garibo ko hota hi nahi bank wale yha yojana ka laBha pahchai ke logo ko ya bade logo ko dete ahe single women one child ko goverement ke koi yojana ka faida nahi hai

    kai muje loan milega self bussineces ke kiye

  7. giriraj meena says:

    श्री मान जी प्रदान मंत्री नरेंद्र मोदी जी
    से मेरा निवेदन की मेरे ऑप्टिक्स व पोटो ग्रपी की सॉप है
    पर में हुसे आगे बढ़ाना चताहू तो सर जी आप सबसे मेरा निवेदन है
    मुझे लोन चाहिए और मैने बैंक जाकर बी बात की पर मेरी कोई बात
    नही सुनी बोला कि हम लोन नही देंगे ।
    मेरा निवेदन है कि आप सबी से की मुझे मुद्रा लोन दिला दो
    ओर में प्रदान मंत्री जी से और मुखे मंत्री जी से
    निवेदन करता हूँ कि मुजे इस मुद्रा लोन का लाभ दिल दो
    आप का सिसई
    गिरिराज मीना
    18/04/2017

  8. arun singh says:

    I NEED LOENE

  9. ad says:

    Dear sir,
    please clearify for this facility & i am start the mew business so please help me this is my sharma.ram995@gmail.com email id so plz contact me.

    Thank’s you
    ADITYA SHARMA

  10. कौशल कुमार says:

    मैं मुद्रा बैंक योजना के तहत कुछ लोन लेना चाहता हूँ क्योंकि मै बेरोजगार हूँ और कुछ रोजगार करना चाहता हूँ

  11. imran says:

    सर मै बहूत गरीब आदमी हूँ आप से मेरा निवेदन यह है की मुझे रोजगार करने के लिये लोन दे आप की महान कृपा होगी

    Imran khan

  12. swadesh says:

    lon kaha mil rahaa hai bakvas hai yaar

  13. Gautam sharma says:

    ggbkya sir yah yojana garibo ke liye nahi hai

  14. Raj kumar says:

    सर मै बेरोजगार हू मुझे भी लोन की जरूरत है मै बहुत परेशान रहता हू

  15. pradeep parihar says:

    Sir mujhe loan chaiye

  16. MAHENDRA PRATAP SINGH says:

    SARV PRATHAM TO MAANNIYE PRADHANMANTRI JI KO “MUDRA YOJNA” K LIYE KOTISAH DHANYAVAAD.
    TATPASCHAT HAM TO YE KAHNA CHAHTE HAIN K MUDRA YOJNA HAM YUWAON K LIYE VARDAAN SABIT HO RAHI HAI. APWAADON KI BAAT CHHOD DEIN TO HAR KCHETRA ME LOG ISSE LABHANVIT HUYE HAI,AB HAR JAGAH KI BAAT TO MAI NAHI JAANTA PAR HAMARE YAHAN ALLAHABAD BANK CHANDAPUR ME TO MANAGER SAAHAB NE TO SWAROJGARIYON KO BULA BULA KAR LOAN DIYA HAI LEKIN KUCHH LOG LOAN KA NAAM SUNTE HI DAUD PADTE HAIN KARTE KUCHH NAHI LOAN LENE SABSE PAHLE PAHUNCHTE HAIN. AISE LOGON K KAARAN HI PAATRON KO BHI YOJNAON KA LAABH NAHI MIL PAATA.
    YE MERI APNI RAAY HAI,ANYATHA JISKE SAATH JAISA GHATIT HUAA HAI WO VAISA KAH RAHA HAI.

  17. saurabh kumar says:

    Mai aap se baat karna chahta hoo mera mo. 9457881758

  18. vvv says:

    Mene jitne bhi coment dekhe he sare pdhe he or bilkul sahi tarh se smja he .. dosto me c.a hu charted account or ek bat smj lo ki agar tumko khud ka business krna he to tum koi bhi business kr skte ho chahe vo legal ho ya elegal kyonki sarkar tumhe nhi smjti to tum usko smjna chhod do…..

  19. umesh says:

    What is Rate of interest for mudra loan,please answer?

  20. Mohit gupta says:

    Hazaro msg h
    Sabhi loan k liye aage khade h…
    Kya kisii ko bhi loan mila..
    Ya sirf p.m yojna hava hi h..
    Jrurt mujhe bhi h..
    2lak ki..
    Mai bhi mudra loan lene ko taiyar hu..
    7309321738.
    Or haa mai 15% salana dene k liye taiyar hu..

  21. Pankaj dheeman says:

    हैलो , सर
    मेरा नाम पंकज धीमान है, सर जी मेरा ये निवेदन है कि हम लोग गांव के रहने वाले ह और हमारा पावर कोलहु ( गन्ने से गुड ) का
    बिजनीस करते ह
    जिसके लिए बैक से कोई मदद नही मिल पा रही
    और बाजार से पैसा लेते ह तो तैयार माल बहुत कम दाम पर बेचना पड़ता है
    सर जी आपसे बिनती ह कोई हल दिखाते
    Mob
    9761480804

  22. monika bansal says:

    Sir g mera name monika hai . Mera chota sa kam hai . Per notebandi ke karan mera sara kam barbad ho gya hai . Me 3 mo th se bank walonke pass ja ja kar pagal ho gyi hu mujhe lap loan bhi nahj mil rha hai . Sir log ghar per apna passia lene ate hai per mere pass passe nahi hai . Sir me ap se kya khu ap hi btayo me kya karu . Mar jayu to peche bate ka sochta hu . Ab kya karu . Tax bhi pay larte hai . Phir bhi nahi.
    . Kindly mera lap loan hi karwa fo kisi bank se . Mera no 9888364896

  23. DHARMENDRA KUMAR DUBEY says:

    Lone required

  24. DHARMENDRA KUMAR DUBEY says:

    Sir mera name Dharmendra Kumar Dubey hai mai Uttar Pradesh ke mirzapur district ka rahne vala hu ,sir mujhe PRADHAN MANTRI Jan aushdhi medical store kholna hai uske liye mujhe 2.50 lakh lone chahiy mujhe kya karna padega ,kyoki bank vale to mana kar RAHE hai

  25. sonu says:

    Sir.muje rojgar karne ke lie lone ki jarurat he palis ser muje lon ki sahaita pardan kijie. ..danyabad. mob. .8930143795

  26. sunil says:

    Sir main blot khrid kr usme aapni kirane ki shop kholna chahta hu.
    Uske liye mujhe loan Lena h.
    M Abhi job kr rha hu Asti electronics India Pvt. Ltd.me
    Diploma Kiya hua h.
    Salary 12000 monthly h.
    Please reply jrur kre.

  27. sir please help me I am very poor

  28. sir please help him I am very poor

  29. rohit kumar singh says:

    sir ham bahut gareeb hai hame lone ki bahut jaroorat hai

  30. jitendrayadav says:

    mudra loan

  31. rupali acharya says:

    Namo shirmaan muz aaj yojan ka bar may malum pada sabhi office ka chker lagya PR puri jankari thika say nahi malum bas aap say nivadan hi ki agar muz lona mila jata hi to mari beti ki parvarish acha say apni kabiliyat say kar pau baki abhi taka may dushro ka diya rs say apni beti ki padi kar wa rahi huu unka karjchuka pau isliya lona mil pay to aap ka abhar rahiga

  32. vinod soni says:

    hello dear sir i need a mudra lone .expand my business so plz help me. sir but bank ont spot me manager told me k a yojana band hogai hai .

  33. krishnakant Prajapati says:

    Sir main bhi garib hu mujhe PR bhi kripa kre.

  34. sanjay mankar says:

    Sir muje loan chahiye mai chota shop khulna cahta hu

  35. ATMARAM KACHRU AMBHORE says:

    Mudra card

  36. Manish says:

    Modi ji aap is yug ke hero ho

  37. mannu ansari says:

    sir pradhan mantri yojna hum jaise garib logo ke liye nahi hai me jis bank me jata hu mana kar dete hai..

  38. malkhan poorvi says:

    I am a poor help me

  39. ajit kumar jha says:

    सर मुझे एक लौन चाहिए जो की मे एक छोटा सा बिजली का दुकान खौला हुं उसे मे जाद पूंजी लगा के आगे बढ़ना चाहता हू पता आद॔शनगर सुल्तानगंज भागलपुर बिहार 813213 8936053389

  40. praveen kumar says:

    sir maine 12th pass karne vala hu 2017me or aage padhai karna chahta hu jo ki paise ki problam hai plese help you

  41. suraj adepawar says:

    hi sir,

    apka nam to pata nahi hai per aap jo bhi hai kya mera neevedan pradhanmatri tak pahucha sakte ho to muzhe lone chahiye par kya vo mil sakta hai mera bhi chota mota ek shop hai pr usme maal dalne ke liye paise nahi hai or jab tak maal nahi rkhunga tab tak kya dukan chalengi ye to aap sabko pta hi hai mai bhi ek garib hu bas do time ka khana badi mushkil se ye dukan pe juta pata hu agar aapse kuch madat ho to jarur kijiyeg ok sir aapka abhari rahunga
    form-suraj adepawar

  42. ASHEESH GAUR says:

    MODI JI Aap Aye Bahaar Ayee

  43. ASHEESH GAUR says:

    modi ji aap aaye bhar aayi

  44. vishal says:

    Sir koi bhi is scheme ke baare mein proper nahi batata …jab bhi bank jao toh kehte hai yeh loan itni aasani se nahi ho sakta .bahut time lagega hoga ke bhi nahi kuch keh nahi sakte…bank manager apne jaankaro ka loan kar rahe hai p.n.b ambala mein ..union bank of india ambala mein …sab sahi keh rahe hai this loan schme is for amir persons… wah meri govtment of india …hamesha fake commitments….fir kehte hai india mein crime jayada ho gaya hai .log free rahenge toh aisa hi hoga…i know that iska koi reply nahi ayega… just for formality ke l8ye mail id ka coloum bana rakha hai …my contact no 9896032183

  45. bheemraj says:

    Sir mene b.a gnm nursing kar rkhi hai or 108 ambulance me nokari karte hu jisme mujhhe matr 7000 milta hai or mere 2 bache or old mata ji pita ji hai sir me 7000 me mere pariwar nhi chal rha h sir mujhhe koi margdarsn de or koi loan chhota loan dene kirpya kare sir apka badi kirpya hogi bheem raj v.p.o birkali th.nohar Diss. Hanumangrh rajsthan pin.335523 m.09783057152

  46. Jitendra Sharma says:

    मुझे लोन चाहिए सर मुझे इसकी बहुत जरूरत है

  47. karan chauhan says:

    dear sir
    please clarity this facility applicable for new business start
    agar garibo k liye ye yojana bani hai to hamari help kare .
    karan chauhan
    vill delhana post kashipur varanasi u.p
    contact no. 8400810491

  48. shyam Babu says:

    Kiya meri koi help karega mera sundar bhavish banane me ya ye sari yojana aamiro ki chaokhat chumne k liye Bani he ,
    agar garibo k liye ye yojana Bani he to hamari help kare .
    Shyam Babu
    198a/1 Sahab Nagar
    Kalyanpur Kanpur-208017 U. P.
    PH.no.8840197471

  49. Raja sonkar says:

    मुझे लोन चाहिए सर मुझे इसकी बहुत जरूरत है

  50. Bir pal singh says:

    Sir mujhe adhar center kholne ke liye loan chahiye kaisr milegi

  51. mohit prajapati says:

    मेरा नाम मोहित प्रजापति है मैं कानपुर का रहने वाला हूं मुझे बेरोजगार के लिए थोड़े पैसे की जरूरत है आपकी कृपया होगी जो लोन हो पास हो जाए जोकि उस पैसे से मैं बिजनेस करने वाला हूं और 20 परसेंट हमारा फायदा हुए 80 परसेंट आम जनता होगा जिससे यह गरीबी मिटाई जाए इस समय बड़े गरीब लोग मारे जा रहे हैं मैं चाहता हूं कि इन गरीबों की मदद हो उनमें से एक गरीब नहीं हू please sir help me मेरा मोबाइल नंबर है 9807 032159

  52. kamlesh kumar says:

    mughe bhi loan chahiye sir madad kijiye apki mahan kripa hogi very very 9984476302

  53. Jitendr kumar says:

    सर में भी कोई छोटा सा बिजनेस करना चाहता हूँ मुंद्रा लोन लेके कई बार मेने बैंक में भी बात किया बैंक के हेड ब्रांच में email भी किया कोई रिस्पॉन्स नहीं मिला सर अगर आप इस सम्बन्ध में मेरा मदद करेंगे तो आपकी बहुत बरी कृपा होगी सर Mob: +917542063541

  54. SHAKIL KHAN says:

    Dear sir mai apne najdekee ki birch par kam se kam 10 bar ja chuka hu magar manegar koi baat batne kai liye tyar he nhai hai yeh jo youjana apne nekale hai iska fayada janta ko 20% bhe nhai mil paya hai sir pls give

  55. prateek gupta says:

    Sir I want to know the clear format of file to present before the bank the bank is avoiding me like a dehati or unqualified for the loan sir please guide me

  56. DK Singh says:

    अरे भाई हम लोगों को लोन मिलना मुश्किल है बेकार के समय बर्बाद कर रहे हो बैंक का चक्कर लगाते लगाते जब तक गिर जाएंगे फिर भी लोन नहीं मिलेगा बैंक मैनेजर को घूस देने की बात करो तो ही कुछ बात बन पाएगी नहीं तो फ्री में आज कल कुछ नहीं मिलने वाला है सिर्फ कल्पना करो कि नया स्कीम आया है अब लोन मिलना आसान हो जाएगा पर यह बकवास है लोन आसानी से मिलने वाला नहीं है जब तक कोई आसान रूल लागू ना हो

  57. Rishi pal says:

    Namastey sir. Mujhe job ki jarurt hai so you halp me please sir apki ati kripaya hogi

  58. Dear sir please clarify this facility Applicable for new business start.

  59. Gaurav kumar says:

    gauravmee@gmail.com Gadhi bundu khan sikandrarao ( hathras )

  60. Gaurav kumar says:

    Sie je muje apne vejnes ke leye lone chaheye plz. happ me gauravmee@gmail.com

  61. Good very very very very good

  62. md Tanveer says:

    Sir mere papa ko Bhut jruri h
    Sir 10000 rup vi Diye h registration krne ke Liye
    Mujhe 500000 lakh ka jruri h

  63. md Tanveer says:

    Mujhe vi Bhut jruri h 50000 rupee ka

  64. Sir, mai muDra yojna me kausal vikas ke ajent dwara form bhara tha lekin abhi tak loan wala card nahi aya aur form bharne ke 100 ka slk liye the tab bhi aya kab tak ayega sir , mera mobile no. 9598842067

  65. mukesh says:

    Muj lone say dhandha kar Na ka liy

  66. Preeti banafar says:

    Dear sir I want to loan for DTP shop

  67. shailendra nishad says:

    Sir mai mughe vijnesh karna hai please hellp mi

  68. shailendra nishad says:

    Sir Je mai vijnesh dalna chata hu please help me

  69. shyam sudar says:

    सर मै बहूत गरीब आदमी हूँ आप से मेरा निवेदन यह है की मुझे रोजगार करने के लिये लोन दे आप की महान कृपा होगी

  70. shyam sudar says:

    sar mughako mudra lon lena hae

  71. Prabhakar markanday says:

    सर मै बहूत गरीब आदमी हूँ आप से मेरा निवेदन यह है की मुझे रोजगार करने के लिये लोन दे आप की महान कृपा होगी

  72. Trilok Singh says:

    Mujhe lone pass karani hai

  73. vijay pal says:

    कहाँ है , मुद्रा लोन
    गरीब के लिए नही , अमीरो के लिए है । बैंक मेनेजर सरकार की महत्पूर्ण योजनओ की हवा निकाल रहे है। अपने चहितो को देकर गरीब को भगा रहे है। चार पाँच टाई करने पर भी लोन तो दूर सन्तोष जनक जबाब तक नही दिया । तो घण्टा मिलेगा मुद्रा लोन।।.।।।।।।।।

  74. BUSHRA says:

    sir mene 12th pas kiya h 2015 me plz help me

  75. Vikash Kumar says:

    Dear sir please ,
    clear the last date of these yojna….

  76. fagend says:

    Sir
    Mail jana na chahta Hu kya berojgar ke liye koi yojna nikali hai jinese unki arthik isthiti sudhar sake in sabhi yojna me desh garib ka garib hi rahega amir aur amir hoga deshi ko amir aur saksam banane ke liye yuwao ko rojgar dilaye yaha sabhi kuchh na kuchh kr rahi hai fir bhi berojgar h Kyo ki unka pass ya to tekadar private sansth kha jata hai is designed ka bavisya 4000-5000 me o apne Bach ho kA bavisya nirdhar it karta hai is desh ke Bachhe banged bhukhe nagged garib Kyo ki yojna ka fayda jana nahi khursi pr bathe log uthate hai aam jana tk kuchh nahi pahuchta kabhi logo ke bich jakar dekhiye

  77. Hardik Patel says:

    Federal Bank is not valid for this loan,
    and Two Bank branch Manager say that This Scheme is Close and we cant give this Loan, so now what can I Do, and this bank is in your list.

  78. […] in January 2016 to help grow the start-up ecosystem in India. The scheme will be integrated with MUDRA Bank Loan Yojana, innovative credit linkages and self-help groups. Swaniyojan Yojana will be funded by the existing […]

  79. Vipan Kapoor says:

    Dear sir please clarify this facility Applicable for new business start.

  80. Rajat Dubey says:

    how i get loan

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