PM Mudra Loan Yojana 2025 ki complete information: eligibility, loan amount, interest rate, documents, subsidy, and step-by-step online apply process. Small businesses, startups, women & youth ke liye best loan.
Introduction
Pradhan Mantri Mudra Yojana (PMMY) भारत सरकार की एक flagship scheme है, जिसका उद्देश्य छोटे व्यवसायों, स्टार्टअप्स और self-employed लोगों को बिना collateral के loan उपलब्ध कराना है।
2025 में Mudra Loan की demand बहुत बढ़ रही है, क्योंकि यह MSME sector को support करता है और youth ko self-reliant बनने का मौका देता है।
Is article me hum 2025 ke updated rules, eligibility, interest rate, aur apply online process detail me cover kar rahe hain।
What is Mudra Loan Yojana?
Mudra Loan ek government-backed loan scheme hai jisme applicants ko ₹50,000 से ₹10 लाख तक का loan मिलता है, वो भी:
- बिना collateral
- Low interest rate
- Easy approval process
- Business growth support
Types of Mudra Loan (2025)
1. Shishu Loan
- Loan Amount: ₹50,000 तक
- Best For: New startups, street vendors
2. Kishor Loan
- Loan Amount: ₹50,000 – ₹5 lakh
- Best For: Growing businesses
3. Tarun Loan
- Loan Amount: ₹5 – ₹10 lakh
- Best For: Established small enterprises
Eligibility for Mudra Loan (2025)
Mudra Loan apply karne ke liye applicant ko:
- Indian citizen होना चाहिए
- Age: 18–65 years
- कोई भी छोटा व्यवसाय चला रहा हो, जैसे:
- Shopkeeper
- Startup
- Small manufacturers
- Repair shops
- Food business
- Beauty parlours
- E-rickshaw owners
- Freelancers
- Business का proof होना चाहिए
No income proof required for Shishu loan.
Mudra Loan Interest Rate 2025
Interest rate bank-to-bank vary करता है, लेकिन सामान्य तौर पर:
- 8.5% – 12% Annual
- Shishu loan पर सबसे कम ब्याज
- कोई hidden charges नहीं
Documents Required (2025)
- Aadhaar card
- PAN card
- Business proof
- Address proof
- Bank statement
- Passport-size photos
- Quotation of machinery (if applicable)
How to Apply for Mudra Loan Online – Step-by-Step (2025)
- Step 1: Visit Official Bank Website
- Step 2: Mudra Loan Application Form Download/Fill
- Step 3: Documents Upload Karein
- Step 4: Application Submit Karein
- Step 5: Loan Sanction
Offline Apply Process (2025)
Agar online apply nahi karna chahte, to:
- Nearest bank branch visit karein
- Mudra Loan application form lein
- Documents submit karein
- Business verification hogi
- Loan approval mil jayega
Which Banks Provide Mudra Loan?
Almost all major banks Mudra loan dete hain:
- SBI
- Punjab National Bank
- Bank of Baroda
- Canara Bank
- HDFC Bank
- ICICI Bank
- Axis Bank
- IDBI
- Regional Rural Banks
- Cooperative banks
Who Gets Priority in Mudra Loan?
Government 2025 me priority deti hai:
- Women entrepreneurs
- SC/ST applicants
- Minority category
- Rural youth
- Small manufacturers
Benefits of Mudra Loan 2025
- No collateral required
- Low interest
- Fast approval
- Government support
- Suitable for startups
- Easy documentation
- EMI flexible
FAQ
1. Kya Mudra Loan me subsidy milti hai?
Direct subsidy nahi milti, lekin interest rate lower hota hai।
2. Maximum loan kitna mil sakta hai?
₹10 lakh tak.
3. Kya college students bhi Mudra Loan le sakte hain?
Haan, agar unka koi छोटा business है।
4. Kya Mudra Loan free hai?
Nahi, loan hai — interest lagega.