Pradhan Mantri Mudra Yojana (PMMY)

Collateral-free business credit for small shopkeepers, artisans, traders, and manufacturing enterprises in Uttar Pradesh from ₹50,000 up to ₹20 Lakhs.

Comprehensive Mudra Loan Categories

PMMY is structured into four distinct stages corresponding to your enterprise stage and funding requirements.

Starter Tier

1. Shishu Mudra

Up to ₹50,000

Ideal for small street vendors, grocery stores, artisans, and self-employed individuals starting a micro-business.

Zero processing fee
Zero collateral or security
Repayment up to 5 years
Expansion Tier

2. Kishor Mudra

₹50,001 to ₹5 Lakhs

Designed for established business owners looking to purchase equipment, stock extra raw materials, or expand.

Attractive subsidized interest
Mudra debit card for working capital
Fast sanction from public & private banks
Scale-Up Tier

3. Tarun Mudra

₹5 Lakhs to ₹10 Lakhs

For established MSMEs, trading houses, processing units, and contractors requiring higher working capital or machinery.

Credit guarantee under CGFMU
Flexible OD / Term loan options
Competitive tenure up to 7 years
New Enhanced Tier

4. Tarun+ (Tarun Plus)

₹10 Lakhs to ₹20 Lakhs

The newly increased budget limit for entrepreneurs who have successfully availed and repaid previous Tarun loans.

Maximum government guarantee limit
Lowest commercial MSME rate
Comprehensive project report assistance

Eligibility & Required Documents for PMMY

Any Indian citizen having a non-farm business plan for an income-generating activity such as manufacturing, processing, trading, or service sector can apply for a Mudra loan across Uttar Pradesh.

Identity & Address Proof:

  • • Aadhaar Card, PAN Card, Voter ID
  • • Proof of business address & Udyam Registration

Financial & Business Proof:

  • • 6 to 12 months bank account statement
  • • Quotations for machinery / equipment to be purchased
  • • Projected Balance Sheet & P&L (For Kishor & Tarun)
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