PM Mudra Loan Apply Online 2026 - Shishu, Kishor, Tarun, Tarun Plus Up to Rs 20 Lakh Bina Guarantee

PM Mudra Loan Apply Online 2026 - Bina Guarantee Rs 20 Lakh Tak Loan (Shishu, Kishor, Tarun, Tarun Plus)

Bhaiyon, PM Mudra Loan (PMMY) 2026 small business owners ke liye golden opportunity hai - Rs 50,000 se Rs 20 lakh tak business loan bina koi guarantee, bina koi collateral! Chhota dukandar ho, kisan ho, manufacturer ho ya service provider - sabke liye Pradhan Mantri Mudra Yojana available hai. Ye complete guide tumhe sikhayegi Jansamarth portal se online apply kaise karein, kaunse documents chahiye, kaunsi category mein kitna milega, interest rate kaisa hai, aur Bihar mein kaun-kaunse banks ye loan dete hain.

Apply Online: jansamarth.in - Government of India ka official portal. No collateral, no guarantor. Aaj apply karo, 7-15 din mein loan disburse.

PM Mudra Loan 2026 - Quick Info

PM Mudra Loan 2026 - 4 Categories Breakdown

PM Mudra Loan 4 categories mein available hai - apni business needs ke hisab se choose karo:

1. Shishu Loan - Up to Rs 50,000

Best For: New business start, small vendors, micro enterprises

2. Kishor Loan - Rs 50,001 to Rs 5 Lakh

Best For: Existing business expansion, equipment purchase

3. Tarun Loan - Rs 5 Lakh to Rs 10 Lakh

Best For: Established mid-sized business, machinery upgrade

4. Tarun Plus - Rs 10 Lakh to Rs 20 Lakh (NEW Category)

Best For: Repeat borrowers who closed Tarun loan successfully

NEW Update (2024-2026): Tarun Plus category nayi shuru hui hai - only for entrepreneurs who have successfully repaid Tarun loan.

PM Mudra Loan Eligibility 2026 - Kaun Apply Kar Sakta Hai?

Eligible Applicants:

Basic Eligibility Conditions:

• Age: 18-65 years
• Citizenship: Indian
• Business Type: Non-corporate, non-farm (mostly)
• Bank History: Must NOT be a bank defaulter
• Credit Score: Preferably 650+ (not mandatory for Shishu)
• Business Plan: Must be viable and profitable
• Skill/Experience: Should have relevant business knowledge

Eligible Business Activities:

PM Mudra Loan Documents Required 2026

Documents loan category aur amount ke hisab se vary karte hain:

For Shishu Loan (Rs 50,000):

Mandatory:

• Aadhar Card
• PAN Card
• Passport size photo (2)
• Address proof (utility bill ya rent agreement)
• Business location proof
• Quotation (if buying machinery)

For Kishor & Tarun Loan (Rs 50K to Rs 10L):

Above + Additional:

• Bank statements (last 6 months)
• Business registration (Udyam Aadhaar / GST)
• Income proof (Salary slip / Form 16)
• Business plan (1-2 page summary)
• Existing loan details (if any)

For Tarun Plus (Rs 10L to Rs 20L):

Above + Comprehensive:

• ITR (Income Tax Returns) - 2 years
• Balance Sheet (audited if available)
• Profit & Loss Statement (last 2 years)
• GST Returns (last 1 year)
• Detailed Project Report (DPR)
• Cash flow projections

PM Mudra Loan Apply Online 2026 - Step-by-Step (Jansamarth Portal)

Step 1: Jansamarth Portal Kholo

• Browser mein jaao: jansamarth.in
• Homepage pe "Schemes" click karo
• "Business Activity Loan" → "PM Mudra Loan Yojana"

Step 2: Eligibility Check Karo

• Scheme details padho
• "Check Eligibility" button click
• Basic info bharo:
  • Loan amount needed
  • Business type
  • Years in business
  • Income range
• "Check" button dabao
• Eligible ho toh "Eligible" message + EMI estimate dikhega

Step 3: Registration Karo

• "Register" button click
• Details bharo:
  • Full Name
  • Mobile Number
  • Email ID
  • Date of Birth
  • PAN Number
• OTP verification complete karo
• Password set karo

Step 4: Application Form Bharo

Login karne ke baad:

• Apna business category select karo:
  • New Entrepreneur
  • Existing Entrepreneur
  • Self-Employed Professional
• Personal details fill karo (Aadhaar, PAN, address)
• Business details fill karo:
  • Business name
  • Activity (manufacturing/trading/services)
  • Industry type
  • Number of employees
  • Annual turnover
• Loan category select karo (Shishu/Kishor/Tarun/Tarun Plus)
• Loan amount required
• Existing banking details (if any)

Step 5: Documents Upload Karo

• All required documents scan karke upload karo
• File size: max 2 MB each
• Format: JPEG, PDF
• Clear scan chahiye - blurry rejection ka karan

Step 6: Preferred Lender Select Karo

• List of banks dikhegi:
  • SBI (most preferred for Bihar)
  • Punjab National Bank
  • Bank of Baroda
  • Canara Bank
  • Union Bank
  • HDFC Bank
  • ICICI Bank
• Apna preferred bank choose karo
• Multiple banks select kar sakte ho

Step 7: Submit + Application Number

• All details review karo carefully
• "Submit" click
• Application Number / Reference Number generate hoga
• NOTE KAR LO - status check ke liye chahiye

Step 8: Bank Verification

• 7-15 days mein selected bank tumse contact karega
• Branch visit ho sakta hai (verification ke liye)
• Additional documents request ho sakta hai
• Loan approve hone par email + SMS notification

Step 9: Loan Disbursement

• Approval ke baad 1-7 days mein loan disburse
• Direct bank account mein transfer
• Loan agreement sign karna padega
• EMI start date confirm karo

PM Mudra Loan Bihar Banks List 2026

Bihar mein ye banks PM Mudra Loan dete hain:

Public Sector Banks (Recommended - Lower Interest):

Private Banks:

Regional Rural Banks (RRBs):

Small Finance Banks + NBFCs:

• AU Small Finance Bank
• Bandhan Bank
• Ujjivan Small Finance Bank
• Bajaj Finserv (NBFC)

PM Mudra Loan Interest Rate Comparison 2026 (Bank-wise)

Note: Rates approximate hain - exact rate applicant ka credit score, business profile, aur loan amount pe depend karta hai. Final rate sanction letter mein milega.

PM Mudra Loan EMI Calculation Example

Loan ki EMI kaise calculate hoti hai - example:

Example 1: Shishu Loan (Rs 50,000)

Example 2: Kishor Loan (Rs 3,00,000)

Example 3: Tarun Loan (Rs 8,00,000)

Pro Tip: Lower interest rate ke liye public sector bank prefer karo (SBI/PNB/BoB) - private banks 2-3% zyada charge karte hain.

PM Mudra Loan Application Status Check Process

Online Status Check:

1. jansamarth.in pe jaao
2. Login karo (registered mobile/email + password)
3. Dashboard mein "Application Status" ya "Loan Status" click
4. Application/Reference Number enter karo
5. Status dikha dega:
   • Under Review - bank check kar raha hai
   • Documents Pending - additional docs chahiye
   • Approved - loan sanctioned!
   • Disbursed - paisa account mein
   • Rejected - reason dikhega

Offline Status Check:

• Bank branch visit karo
• Application Number ke saath
• Loan officer status batayega

PM Mudra Loan Common Errors aur Solutions

Error 1: Application Rejected

Causes:

• Low credit score (below 600)
• Bank defaulter history
• Incomplete documents
• Unviable business plan

Solution:

• Credit score improve karo (3-6 months)
• Existing loans clear karo
• Better business plan banao
• Different bank try karo

Error 2: Documents Upload Fail

Solution:

• File size 2MB se kam karo
• Clear scan chahiye
• JPEG/PDF format
• Different browser try karo

Error 3: Interest Rate Bahut Zyada

Solution:

• Public sector banks try karo (SBI/PNB)
• Credit score check karo
• Multiple banks compare karo
• Negotiate karo branch manager se

Error 4: Loan Amount Kam Sanction Hua

Solution:

• Better business plan banao
• More collaterals show karo (optional)
• Existing income proof better dikhao
• Top-up loan baad mein le sakte ho

Error 5: Disbursement Delay

Solution:

• Branch manager se follow up
• Helpline 1800-180-1111 pe call
• Written grievance file karo
• Banking Ombudsman approach (last resort)

PM Mudra Loan Scam Warning - ALERT!

Scam 1: "Agent Loan Pakka Karwa Dega"

• Agents Rs 5,000-50,000 commission maangte hain
• Reality: Apply free hai, application sanction bank decide karta hai
• Koi paisa MAT do - khud apply karo

Scam 2: Fake Mudra Loan Calls

• Phone call: "Mudra Loan approve ho gaya hai, processing fee Rs 5,000 bhejo"
• 100% FRAUD! Mudra loan mein upfront fee nahi hoti
• Banks pehle paisa nahi maangte loan disbursement ke pehle

Scam 3: Fake Mudra Loan Websites

• Google mein fake sites: mudraloan.com, mudra.in
• Sirf official: mudra.org.in, jansamarth.in
• URL check karo - .gov.in ya official .org.in

Scam 4: "Aadhaar OTP Share Karo Loan Approve Karne Ke Liye"

• NEVER share OTP - even with bank officials
• Banks NEVER ask for OTP on call
• OTP share matlab Aadhaar hijack + bank account compromise

Scam 5: Loan Pehle Sanction Karne Ke Liye GST Number Demand

• Genuine bank verify karta hai documents online
• "Pehle GST number do, fir loan sanction" - FRAUD pattern
• Direct bank branch jaao

Report Scam:

• Cyber Crime: 1930
• Mudra Helpline: 1800-180-1111
• RBI Banking Ombudsman: cms.rbi.org.in

FAQs - PM Mudra Loan Apply Online 2026

Q: PM Mudra Loan kya hai aur kitna milta hai 2026 mein? A: PM Mudra Loan (PMMY) Government of India ka business loan scheme hai. Rs 50,000 se Rs 20 lakh tak loan milta hai 4 categories mein - Shishu (50K), Kishor (5L), Tarun (10L), Tarun Plus (20L). Bina collateral, bina guarantor.

Q: PM Mudra Loan online kaise apply karein 2026? A: jansamarth.in pe jaao → "PM Mudra Loan" select → Eligibility check → Register → Application form bharo → Documents upload → Bank select → Submit. 7-15 din mein bank verification + disbursement.

Q: PM Mudra Loan ke liye kya documents chahiye? A: Shishu (Rs 50K): Aadhaar, PAN, Photo, Address proof - basic only. Kishor/Tarun: Above + Bank statements (6 months), Business registration, ITR, Project report. Tarun Plus: Full financial documents + DPR.

Q: Kya PM Mudra Loan bina guarantee ke milta hai? A: Haan! PMMY ki sabse badi khasiyat - NO collateral, NO guarantor required. Yahi reason hai ki small business owners ke liye accessible hai. Sirf valid business plan + documents chahiye.

Q: PM Mudra Loan ka interest rate kitna hai? A: Bank-wise vary karta hai - Shishu 10-12%, Kishor 11-15%, Tarun 12-16% p.a. Public sector banks (SBI/PNB/BoB) mostly 10-13% range mein dete hain. Private banks (HDFC/ICICI) 2-3% zyada charge karte hain.

Q: PM Mudra Loan kitne din mein milta hai? A: Application submit karne ke baad 7-15 din mein bank verification + sanction hota hai. Approval ke baad 1-7 din mein disbursement. Total 2-3 weeks maximum.

Q: PM Mudra Loan rejected ho gaya, kya karein? A: Reasons check karo: low credit score, bank defaulter, incomplete docs, weak business plan. Solutions: credit score 3-6 months mein improve karo, existing loans clear karo, different bank try karo, better business plan banao.

Q: PM Mudra Loan Bihar mein kaun-kaunse banks dete hain? A: SBI, PNB, Bank of Baroda, Canara Bank, Union Bank, Bank of India, Central Bank of India, HDFC, ICICI, plus Bihar ke 3 RRBs (Dakshin Bihar Gramin Bank, Uttar Bihar Gramin Bank). NBFCs like Bajaj Finserv bhi dete hain.

Q: Mudra Loan ke liye CIBIL score kitna chahiye? A: No fixed minimum but typically 650+ recommended. Shishu (Rs 50K) ke liye low score bhi chalega. Kishor/Tarun ke liye 700+ better. Bank defaulter history hai toh almost impossible.

Q: Tarun Plus loan kaise milta hai? A: Tarun Plus (Rs 10L-20L) sirf existing borrowers ke liye hai - jo pehle Tarun loan (Rs 5L-10L) successfully repay kar chuke hain. New applicants direct Tarun Plus apply nahi kar sakte.

Q: PM Mudra Loan ke saath kya processing fee deni padti hai? A: Shishu (Rs 50K) - mostly FREE processing fee (waived). Kishor/Tarun/Tarun Plus mein 0.5-1.5% loan amount ka processing fee lagta hai. Bank-wise vary karta hai.

Q: Mudra Loan repayment period kitna hai? A: 3-5 years (36-60 months) typical hai. Business type aur loan amount ke hisab se bank flexibility de sakta hai. Grace period bhi available hai - initial months mein sirf interest, principal baad mein.

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• Mudra Loan vs Laghu Udyami Yojana Comparison - Bihar specific comparison

• Bihar Kisan Credit Card (KCC) Apply - Rs 5 Lakh farmer loan at 4% interest

• Sukanya Samriddhi Yojana Apply 2026 - Beti ke liye 8.2% interest tax-free savings

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• Bihar Laghu Udyami Yojana 2026 - Rs 2 lakh subsidy, no repayment

• Mukhyamantri Udyami Yojana Bihar - Rs 10 lakh business loan + 50% subsidy

• SBI vs PNB Education Loan Bihar - Education loan comparison

• PM Vidyalaxmi Scheme 2026 - Rs 10 Lakh Edu Loan - Modi flagship education loan, NO collateral + 3% interest subsidy

• Bihar Jamin Parimarjan Online - Land record correction

• Atal Pension Yojana APY Apply Online - Guaranteed Rs 1000-5000 monthly pension

• Bank CSP / Bank Mitra Kaise Le 2026 - Mini-bank/banking correspondent se income + fee scam warning

Share karo small business owners ke saath - kisi ko agent ka shikar ho! Loan apply karne se pehle hamesha official portal use karo.

Source: MUDRA Official (mudra.org.in), JanSamarth Portal (jansamarth.in), RBI Guidelines, Verified April 2026

Page Last Updated: 14 April 2026