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Government-Backed Scheme

Funding built for every Indian entrepreneur.

Collateral-free loans under PMMY, guided end-to-end by our partner bank network — from eligibility to disbursal.

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Four Funding Tiers

₹50,000 to ₹10 Lakhs+, without collateral.

Shishu, Kishor, Tarun and Tarun Plus — pick the tier that matches where your business is today.

Estimate Your EMI
Trusted Nationwide

12 Lakh+ entrepreneurs funded and growing.

From shop owners to manufacturers, our partner banks have backed businesses in every corner of India.

Start Your Application
Supporting India's growing businesses

Funding built around your business ambitions.

Access collateral-free funding from ₹50,000 to ₹10 Lakhs+ through India's flagship PMMY scheme. We connect entrepreneurs like you to partner banks — with transparent pricing and dedicated support.

Collateral-free options Simple documentation Guided process
PMMY Eligible
Business Funding
Eligible Funding ₹5,00,000
Loan Type Kishor
Application Readiness 82%
Collateral Free
Est. EMI ₹10,240
Collateral-Free Options Simple Documentation 7–14 Day Processing Pan-India Partner Network Dedicated Support
Loan Categories

Funding for every stage of growth.

Choose from four tiers designed around your business needs — from startup capital to expansion funding.

Entry Level

Shishu

Up to ₹50,000

Perfect for new businesses needing initial stock, tools, or working capital to get started. Minimal documentation, fast decisions.

Initial stockBasic toolsWorking capital
Explore Shishu
Shishu
Kishor
Tarun
Tarun Plus
Most Popular

Kishor

₹50,001 – ₹5 Lakhs

For established businesses ready for their next stage — expanding inventory, hiring staff, or opening a second location.

Inventory expansionHiringNew location
Explore Kishor
Shishu
Kishor
Tarun
Tarun Plus
Growth Stage

Tarun

₹5 – ₹10 Lakhs

Substantial capital for mature businesses investing in equipment, renovation, or larger production cycles.

EquipmentRenovationProduction cycles
Explore Tarun
Shishu
Kishor
Tarun
Tarun Plus
Premium

Tarun Plus

Above ₹10 Lakhs

Our premium tier for high-growth businesses, paired with a dedicated relationship manager to guide larger funding needs.

Scale-up capitalMulti-site growthDedicated manager
Explore Tarun Plus
Shishu
Kishor
Tarun
Tarun Plus
Mudra Loan Benefits - Empowering Small Businesses
Am I Eligible?

Know where you stand before you apply.

Most applications are decided by a short set of checks. Review them here, and keep four documents scanned and ready before you begin.

  • Age 18–65 — Indian citizen running a non-farm, non-corporate business.
  • 6+ months business vintage in trade, manufacturing or service.
  • No collateral or guarantor needed at any tier.
  • Aadhaar-linked bank account in applicant's name.
  • Aadhaar Card & PAN Card for identity and transaction verification.
  • Bank statements — last six months from your primary business account.
  • Business proof — Shop Act licence, GST registration or Udyam certificate.
The Process

From application to disbursal in four stages.

01

Tell us about your business

Complete the form with your business and identity details.

02

Prepare your documents

Upload Aadhaar, PAN, bank statements and business proof.

03

Submit your application

Your partner bank reviews and confirms your tier.

04

Track the progress

Approved funds credited directly to your linked account.

Plan Before You Borrow

Know your monthly EMI

Move the sliders to model a loan amount, interest rate and tenure. This is an estimate — your partner bank confirms final terms at approval.

Estimated Monthly EMI
₹16,133/month
Principal₹5,00,000
Total Interest Payable₹80,788
Total Payable₹5,80,788

Figures are indicative only. Actual EMI, rate and tenure are confirmed by your partner bank at approval.

Mudra Loan Benefits - Empowering Small Businesses
Why Mudra Finance

What you're signing up for.

Every figure below is measured against the last twelve months of applications processed through our partner network.

₹35Cr+
Loans Facilitated
12L+
Entrepreneurs
85%
Approval Rate
95%
On-Time Disbursal
7–14 days
Typical Journey
Our Approach

Finance should help you move forward — not slow you down.

01

No collateral burden

Every tier under PMMY is extended without property or a third-party guarantee.

02

Simple documentation

Four documents are usually enough — no drawn-out paperwork chains.

03

Business-first approach

We look at how your business actually runs, not just a credit score.

04

Guided application

Our team helps you pick the right tier and prepare a complete file.

05

Transparent journey

Every cost and timeline is disclosed before you sign anything.

Partner Network

Backed by India's leading banks

State Bank of India HDFC Bank ICICI Bank Axis Bank Punjab National Bank Bank of Baroda Canara Bank Union Bank
Mudra Loan Benefits - Empowering Small Businesses
Client Outcomes

Built for businesses like yours.

A sample of entrepreneurs our partner banks have funded across loan tiers.

Rajesh Kumar, textile retailer

"A Shishu loan of ₹50,000 got my shop off the ground. Three years on, our annual turnover has crossed ₹15 lakhs."

Rajesh KumarTextile Retailer, Surat

"The Kishor tier gave me the capital to open a second outlet. Revenue has doubled since."

Priya SharmaBoutique Owner, Jaipur

"An ₹8 lakh Tarun loan let me modernise the garage. We're handling three times the volume."

Mohammed AsifAuto Repair, Hyderabad

"A ₹2 lakh loan financed our processing unit. We now supply more than fifty retail stores."

Anita DeviFood Processing, Patna
Frequently Asked

Questions? We probably have the answer.

Can't find what you're looking for? Our team is happy to walk you through it.

Contact Support
What is the Pradhan Mantri Mudra Yojana (PMMY)?

PMMY is a Government of India scheme providing collateral-free loans of up to ₹10 lakhs to small businesses, delivered through banks, NBFCs and microfinance institutions.

What interest rate will I be offered?

Rates typically range from 8.5% to 18% p.a., set by your partner bank based on loan tier, tenure and credit profile.

Do I need to put up collateral?

No. All four loan tiers under PMMY are extended without collateral or a third-party guarantee.

How long does approval take?

Most complete applications are processed within 7–14 working days of document submission.

Can I apply if I already have an existing loan?

Yes, provided your repayment capacity and credit score meet your partner bank's requirements.

Apply Now

Start your application

Share your details below and a member of our team will call you within 24 hours to confirm your tier and next steps.

Quick responseContact within 24 hours
Secure and confidentialYour data is never shared beyond your partner bank
No hidden feesEvery cost is disclosed before you sign

Your information is handled securely.

Mudra Loan Benefits - Empowering Small Businesses

Ready to take your business forward?

Join thousands of Indian entrepreneurs who've funded their next stage of growth through PMMY.

Get In Touch

We're available across India

Service AreaPan-India, through our partner bank network
Phone+91 62031 77060
Emailinfo@mudra-org.in
Webwww.mudrafinance.in