Pradhan Mantri Mudra Yojana (PMMY) Application Form (Online / Offline) Apply
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Pradhan Mantri Mudra Yojana (PMMY) Application Form (Online / Offline) Apply
Complete details.
Pradhan Mantri Mudra Yojana (PMMY) is a special scheme by central govt. of India through MUDRA (a subsidiary of SIDBI). MUDRA supports institutions to extend loans to the non-corporate non-farm sector income generating activities of micro and small entities. It is subject to those enterprises with credit needs below Rs. 10 lakhs. Both udyamitra.in and mudra.org.in are the official website of Pradhan Mantri Mudra Yojana.
PM Mudra Loan Yojana 2021-22 will also help in creating an ecosystem of growth for micro enterprises sector. The interventions have been named “Shishu”, “Kishor” and “Tarun” to signify the stage of growth/development and funding needs of the beneficiary micro unit/entrepreneur. Basically, MUDRA Yojana is an initiative to fund small business in India.
All those people who wants to get loans under PM Mudra Yojana can apply online by filling PMMY application form at www.udyamimitra.in. Moreover, people can also download PM Mudra Loan Yojana application forms in PDF format through www.mudra.org.in.
PM Mudra Yojana (PMMY) 2021 Apply Online Form for Bank Loan
Mudra Loan Scheme aims to attain development in an inclusive and sustainable manner by supporting and promoting partner institutions. Below is the complete process to apply online by filling Pradhan Mantri Mudra Yojana Application Form 2021-22 :-
There are Three type of Pradhan Mantri Mudra Loan Yojana
1. Shishu Loan: Under this type of Mudra scheme, loans up to ₹ 50000 will be allocated to the beneficiaries.
2 Kishore Loan: Under this type of Mudra scheme, beneficiaries of loans ranging from ₹ 50000 to ₹ 500000 will be allocated.
3. Tarun Loan: Under this type of Mudra scheme, loans ranging from ₹ 500000 to ₹ 1000000 will be allocated to the beneficiaries.
Prime Minister Mudra Yojana Loan Application Form PDF Download (Offline Method)
Pradhan Mantri Mudra Yojana (PMMY) is open and is available from all Bank branches across the country. All the applicants can even download the Prime Minister Mudra Yojana application forms in PDF format through the link given below:-
https://www.mudra.org.in/Home/PMMYBankersKit
Eligibility Criteria for Pradhan Mantri Mudra Yojana (PMMY)
All the applicants must fulfill the basic eligibility criterion to become eligible for bank loans under PM Mudra Yojana 2021-22. The business should be either one of the following:-
- Small manufacturing enterprise
- Shopkeepers
- Fruit and Vegetable vendors
- Artisans
- ‘Activities allied to agriculture’, e.g. pisciculture, bee keeping, poultry, livestock, rearing, grading, sorting, aggregation agro industries, diary, fishery, agriclinics and agribusiness centres, food & agro-processing, etc.(excluding crop loans, land improvement such as canal, irrigation and wells).
List of Documents Required for Pradhan Mantri Mudra Yojana (PMMY)
- Self-certified copy of identity proof such as Voter ID card / PAN Card / Aadhar Card / Passport / Driving License.
- 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.
- Proof of SC/ST/OBC/Minority.
- Copies of relevant licenses/registration certificates/other documents pertaining to the ownership, identity and address of business unit.
- The applicant should not be a defaulter in any Bank/Financial institution.
- Statement of accounts (for the last six months), from the existing banker, if any.
- 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).
- 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).
- Project report (for the proposed project) containing details of technical & economic viability.
- Sales achieved during the current financial year up to the date of submission of application.
- Memorandum and articles of association of the company/Partnership Deed of Partners etc.
- Asset & Liability statement from the borrower including Directors & Partners may be sought to know the net-worth in the absence of third party guarantee.
- 2 copies of Photographs of each Proprietor/ Partners/ Directors.
- Click at the link https://www.udyamimitra.in/Home/Downloads to view checklist for PM Mudra Yojana Bank Loans.
Check Credit Counselling Institutions List 2022
Finding difficult in filling Pradhan Mantri Mudra Yojana Loan application, then don’t worry. The portal will help find the correct person / right agency to fill the form on your behalf. All you need is to fill in basic personal details with a request for an agency/person (fees may be charged by the agency/person) on udyamimitra portal. This facility is called a HAVE (Handholding in a virtual environment). So, if you are planning to set up and intend to apply for loans, click at the link below:-
https://www.udyamimitra.in/SUHCs
Upon clicking this link, select the state, district, area of expertise, agency name and click at the “Search” button to open the Credit Counselling Institutions List.
PM Mudra Loan Yojana Helpline Number (Contact)
The borrowers who wish to avail of MUDRA loan assistance under PMMY can contact directly to the banks, partnered financial institutions, 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 Mission office Contact Details
Progress of Mudra Loan Scheme till 1 January 2021
Financial Year – 2015 to 2021
Total Number of PMMY Loans Sanctioned – 24.09 crore (24,09,48,705)
Amount Sanctioned – 12.17 lakh crore (12,16,951.58 crore)
Amount Disbursed – 11.82 lakh crore (11,82,615.02 crore)
The state-wise details of loans/money sanctioned under the PM MUDRA Yojana can be found at http://www.mudra.org.in/PMMYReport
MUDRA Loan | Pradhan Mantri MUDRA Yojana (PMMY)
Micro Units Development and Refinance Agency Ltd. (MUDRA) is a financial institution set up by Government of India for development and refinancing micro units enterprises. The main objective of Mudra is to provide funding to the unfunded non-corporate, non-farm small business sector through various financial institutions like Public Sector Banks, Regional Rural Banks, Private Banks, Co-operative Banks, Foreign Banks, NBFCs, and MFIs. In this post, let us take a look at how to apply for Mudra loan under Pradhan Mantri MUDRA Yojana (PMMY).
MUDRA Loan | Pradhan Mantri MUDRA Yojana (PMMY)
Mudra is a refinancing institution. Mudra does not lend directly to the micro enterpreneurs/individuals. Mudra provides refinance support to banks and microfinance institutions for lending to micro and small enterprises whose credit needs are below 10 lakh. Mudra provides refinance to micro-business under the scheme of Pradhan Mantri MUDRA Yojana (PMMY). Pradhan Mantri MUDRA Yojana (PMMY) is launched by the Hon’ble Prime Minister on April 8, 2015. Mudra loan can be availed from a nearby branch of a bank, NBFC, MFIs etc
Key Features of MUDRA Loan under Pradhan Mantri MUDRA Yojana (PMMY)
Following are the key features of Mudra loan under Pradhan Mantri MUDRA Yojana (PMMY)
1. Pradhan Mantri MUDRA Yojana (PMMY) scheme offers three types of loans based on the need and growth of the micro-enterprise.
2. There is no minimum loan amount.
3. The maximum loan amount that can be availed is Rs. 10 lakhs.
4. No collateral security required for availing Mudra loan.
5. The interest rates are as per the RBI guidelines issued in this regard from time to time.
6. There is no subsidy for Mudra loan. If the loan proposal is linked to a Government scheme where subsidy is given, then it will be eligible under PMMY too.
7. There are no processing fees for Mudra loan.
Categorization of MUDRA Loan under Pradhan Mantri Mudra Yojana (PMMY)
Under the aegis of Pradhan Mantri Mudra Yojana (PMMY), MUDRA has created three schemes. Mudra loan schemes are categorized as per the stage of growth and funding needs of the beneficiary micro unit. The loan schemes are:
1. Shishu: Loans upto 50,000/-
2. Kishor: Loans above 50,000/- and upto 5 lakh
3. Tarun: Loans above 5 lakh and upto 10 lakh
More focus is given to Shishu category units and then Kishor and Tarun categories so that more funds go to Shishu category units.
Eligibility for MUDRA Loan under Pradhan Mantri Mudra Yojana (PMMY)
Eligibility criteria for availing MUDRA Loan under Pradhan Mantri Mudra Yojana (PMMY) is given below
1. Any individual including women, proprietary concern, partnership firm, private limited company or any other entity with a business plan for a non farm income generating activity.
2. Non-farm enterprises under “Micro Enterprises” and “Small Enterprises” segment.
3. Non-farm businesses such as manufacturing, processing, trading or service sector.
4. Whose credit need is upto 10 lakh.
5. The usual terms and conditions of the lending agency may have to be followed.
Purpose of MUDRA Loan under Pradhan Mantri Mudra Yojana (PMMY)
Mudra loan under Pradhan Mantri Mudra Yojana (PMMY) is given for various purposes which provide income generation and employment creation. For example
1. Business loan for traders, vendors, shopkeepers and other service activities.
2. Loan for working capital through MUDRA cards.
3. Financing for equipment for micro units.
4. Loan for transport vehicle.
Activities covered under Pradhan Mantri MUDRA Yojana (PMMY)
An illustrative list of activities covered under Pradhan Mantri Mudra Yojana (PMMY) scheme is given below
1. Transport Vehicle
Purchase of auto rickshaw, small goods transport vehicle, three-wheelers, e-rickshaw, passenger cars, taxis, etc.
2. Community, Social & Personal Service Activities
Gymnasium, tailoring shops, Beauty parlors, photocopying shops, medicine shops, courier service, etc.
3. Food Products Sector
Papad, achaar, jam, biscuit, bread, ice cream making units, sweet shops, canteen services, cold chain vehicles, agricultural produce preservation at rural level etc.
4. Textile Products Sector / Activity
Apparel design, knitting, computerized embroidery, handloom, khadi activity, chikan, zari & zardozi work, handwork, dyeing and printing, cotton ginning, stitching of bags, vehicle accessories, furnishing accessories, etc.
5. Business loans for Traders and Shopkeepers
Loan for running shops, trading business activities and services.
6. Equipment Finance Scheme for Micro Units
Loan for purchasing machinery and equipment for setting up micro-enterprises.
7. Activities allied to agriculture
Loan for activities such as pisciculture, beekeeping, poultry, rearing, diary, fishery, agriclinics, food processing, etc.
How to apply for MUDRA Loan under Pradhan Mantri Mudra Yojana (PMMY)?
Mudra loan under Pradhan Mantri Mudra Yojana (PMMY) can be availed of from a local bank in your area, NBFC, MFIs etc. You can also file an online application for Mudra loan on Mudramitra portal (www.mudramitra.in). The details regarding the documents required may be taken from any of the lending institutions in your locality. Ideally, following documents are required:
1. Mudra loan application form
2. Address proof
3. Identity proof
4. Tow recent passport size photos
5. Quotation of machinery or other assets to be purchased
6. Business plan
7. Proof of SC/ST/OBC or minority if applicable
8. Name of the supplier of machinery
MUDRA Card
Mudra card is an innovative product against the Mudra loan account which provides working capital facility in a flexible manner. Mudra card is a debit card for working capital portion of the Mudra loan.
MUDRA Loan | Pradhan Mantri MUDRA Yojana (PMMY)
Mudra card can be used in multiple withdrawals to manage the working capital limit properly. Mudra card can be used to withdraw cash from any ATM and also for payment through “Point of Sale” machines. Banks can customize Mudra card by incorporating their logo and name.
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MUDRA Loan | Pradhan Mantri MUDRA Yojana (PMMY)