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Under the Pradhan Mantri Mudra Yojana , the entrepreneurs of the country are helping in providing loans from banks at concessional rates to start their own industries . Pradhan Mantri Mudra Yojana was started on 8th April 2015 by the Prime Minister of our country, Shri Narendra Modi. Any interested beneficiary who wants to start his industry and take a loan from the bank to advance his industry, those beneficiaries can apply under Pradhan Mantri Mudra Yojana . , application etc. are going to share with you in this article.
Pradhan Mantri Mudra Yojana 2022
Beneficiaries who want to start their own business and want to carry forward the business, those beneficiaries are providing loans up to 10 lakhs by the central government bank under the Pradhan Mantri Mudra Yojana , no guarantee is required to take Mudra loan and Mudra The period of 5 years has been extended to repay the loan. Pradhan Mantri Mudra Yojana is classified into three parts Shishu Loan, Kishore Loan, Tarun Loan. Under the scheme, 18.87 crore beneficiaries have been covered by the government till March 2019 and till now Rs 9.27 lakh crore has been allocated under the scheme.
Pradhan Mantri Mudra Yojana Loans Disbursed So Far
On 26 November 2020, Union Minister Smriti Irani said that under the Pradhan Mantri Mudra Yojana, an investment of up to Rs 10 lakh crore has been made and between 2015 and 2018, 51 lakh new entrepreneurs have been created due to this scheme. Smt. Smriti Irani ji also informed that since 2016 till date more than 32000 start ups have been recognized in the country. He also said that the poor used to have difficulty in getting banking credit and facilities earlier but now under the Pradhan Mantri Mudra Yojana, they can easily get loans to start or further their enterprise . It will be easy to do business through this scheme.
Pradhan Mantri Mudra Yojana was launched on 8 April 2015 by the Prime Minister of our country, Shri Narendra Modi. Under which loans up to Rs 10 lakh are being provided in non-corporate, non-agricultural, small, micro industries. These loans are provided by commercial banks, regional rural banks, small finance banks, co-operative banks, micro finance institutions and non-banking financial companies.
Brief Summary of PMMY 2022
| scheme name | Pradhan Mantri Mudra Loan Yojana |
| launched by | Mr. Narendra Modi |
| Plan start date | year 2015 |
| nodal agency | Micro Units Development And Refinance Agency |
| beneficiary | small and medium entrepreneurial startup |
| Target | to empower |
| loan amount | Maximum Rs 10 lakh |
| application system | offline |
| Start filling the application form | Available now |
| Type of scheme | Central Govt. Scheme |
| launched by | https://www.mudra.org.in/ |
Purpose of Pradhan Mantri Mudra Yojana
The people of our country who want to start their own industry but are unable to start the industry due to financial constraints, to provide financial assistance to those beneficiaries by getting loans up to 10 by the Government of India bank and to make the beneficiaries self-reliant through Pradhan Mantri Mudra Yojana and Empowering Beneficiaries Beneficiaries are to be encouraged to start industries by providing proper capital through this scheme.
Pradhan Mantri Mudra Yojana New Updates
As you all know, due to the global pandemic of Coronavirus, there has been a lockdown in our country for a long time. Due to this lockdown, the economic condition of the people of the country has been greatly affected. Keeping this in mind, the Finance Minister of our country Nirmala Sitharaman had announced the self-reliant India campaign on 14 May 2020. Under the self-reliant India campaign, all those people who have taken Shishu loan under the Pradhan Mantri Mudra Yojana will be provided financial assistance of 2% in the amount of interest for 12 months.
PMMY 2022
Applicants applying under this scheme should be 18 years of age or more. Before the introduction of this scheme in our country, entrepreneurs had to go to the banks to get loans to start their own business and had to face many difficulties and could not get the loan without guarantee but now PMMY Under 2022 , all entrepreneurs will be able to get loans up to 10 lakh easily by the bank. Mudra loans are provided by commercial banks, RRBs, small finance banks, cooperative banks, MFIs. There is no fixed interest rate under Mudra Loan Scheme . Different interest rates are charged for different bank Mudra loans. The main interest rate is 12%.
Mudra Loan Types
- Shishu Loan – Under Shishu Loan, a loan of up to Rs 50,000 will be given by the bank.
- Kishor Loan – Under Kishore Loan, loan ranging from Rs 50,000 to Rs 5 lakh will be given by the bank.
- Tarun Loan – Under Tarun Loan, loan from 5 lakh to 10 lakh will be given by the bank.
Beneficiary of PMMY 2022
| Year | No of beneficiary | Amount |
| 2015-16 | 3.48 crore | 1. 37 lakh crore |
| 2016-17 | 3.97 crore | 1.80 lakh crore |
| 2017-18 | 4.81 crore | 2.53 lakh crore |
| 2018-19 | 5.98 crore | 3.21 lakh crore |
| 2019-20 | 64.12 lakh | 34602.7 crore |
| Total | 18.87 crore | 9.27 lakh crore |
Benefits of Pradhan Mantri Mudra Yojana
- The benefit of this scheme will be provided to the entrepreneurs of the country.
- It is helping the entrepreneurs of the country in providing loans from banks at concessional rates to start their own industries .
- Under the Pradhan Mantri Mudra Yojana , the central government is providing a loan of up to 10 lakhs by the bank.
- You will not have to give any guarantee to take a loan under this scheme.
- Through this scheme, people of the country can start their own business by getting loan from the government.
Important Documents (Eligibility) of Pradhan Mantri Mudra Yojana
- The age of the applicant applying should not be less than 18 years.
- Aadhar Card
- applicant’s identity card
- Driving License, Pan Card
- Voter ID Card
- balance sheet of previous years
- sales tax return income tax return
- Postal address
- mobile number
- bank account
Features of Pradhan Mantri Mudra Yojana
- Pradhan Mantri Mudra Yojana was launched on 8 April 2015 by the Prime Minister of our country, Shri Narendra Modi.
- Through this scheme, loans up to ₹ 1000000 are provided to non-corporate, non-agriculture small / micro enterprises.
- The loan provided under the Pradhan Mantri Mudra Yojana is called Mudra Loan.
- These loans are provided by commercial banks, small finance banks, non-banking financial institutions, etc.
- Three types of loans are provided under this scheme, which are Shishu, Kishor and Tarun loans.
- Loan up to ₹ 50000 is provided under Shishu Loan.
- Loans ranging from ₹ 50000 to ₹ 500000 are provided under Kishore Loan.
- Loans ranging from ₹ 500000 to ₹ 1000000 are provided under Tarun Loan.
lending activities
Under the Pradhan Mantri Mudra Yojana, Mudra loan is given for the purpose of generating income and employment. This loan is provided for the following activities.
- Business loans for vendors, traders, shopkeepers and other service sector activities.
- Working Capital Loan through Mudra Card.
- Equipment finance for micro units.
- Transport vehicle loan for commercial use only.
- Agriculture Relations Loans for non-farm income generating activities like fish farming, bee keeping, poultry farming etc.
- Tractor, Taylor was accompanied by loans for two wheelers which are used only for business purposes.
Mudra card under Pradhan Mantri Mudra Yojana
Mudra card is a type of debit card provided to Mudra loan holders. This card works like an ATM card of a savings account. With this card you can withdraw money from ATM. A loan section up to a limit is made by the bank in your name. You can withdraw money through this card up to the limit sanctioned by the bank. The working capital requirements of the business can be met through this card. Currency transactions through Mudra cards become completely digital. Using this card, the beneficiary can withdraw money through ATMs from any corner of the country and can also make payments through Point of Sale machines.
How to apply in Pradhan Mantri Mudra Yojana 2022?
If you want to get a loan from the bank to start your industry by applying under the Pradhan Mantri Mudra Yojana, then you have to use the methods given below.
- First of all, to apply under this scheme, the applicant will have to fill the application form from the concerned bank.
- After this, all the information asked in the application form like name, address, mobile number, Aadhar card number etc. will have to be filled and all the documents will have to be attached and submitted to the concerned bank.
- After this, after verifying your application form and all the documents by the bank officer, the loan amount will be sent to your bank account within 1 month.
- In this way your application will be completed and with the loan amount you will be able to start your own industry.
Process to download Pradhan Mantri Mudra Yojana Toll Free Number
- First of all you have to go to the official website of Pradhan Mantri Mudra Yojana
- Now it will open in front of you at home.
- On the home page, you have to click on the link of Contact Us .
- Now a new page will open in front of you in which you will have to click on the download link written next to PMMY toll free number.
- As soon as you click on this link all the state wise toll free numbers will be downloaded.
Procedure to login to PMMY Portal
- First of all you have to go to the official website of Pradhan Mantri Mudra Yojana
- Now it will open in front of you at home.
- After this you have to click on the link of Login for PMMY Portal .
- Now the login form will open in front of you in which you will have to login by filling the username, password and captcha code.
- In this way you will be able to login to PMMY Portal.
Helpline Number
We have provided you all the important information related to Pradhan Mantri Mudra Yojana in our ID article . If you are still facing any problem then you can get your problem resolved by contacting on toll free number. Or you can also send email. You can know the toll free number by following the above procedure and the email id is as follows.
- Email Id- [email protected]
Important Downloads
- Mudra Yojana User Manual
- PMMY Scheme Silent Factors
- Mudra Loan Yojana Eligibility