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सरकारी योजनाएँ / S-24

प्रधानमंत्री मुद्रा योजना (शिशु / किशोर / तरुण / तरुण प्लस)

Pradhan Mantri MUDRA Yojana (PMMY) - Shishu / Kishore / Tarun / Tarun Plus micro-loans

Centralविश्वसनीयता: highआसवक-कारीगरव्यापारी या निर्यातकखुदरा विक्रेतापैकेजिंग MSMEमहिला या युवा उद्यमीकामगार या प्रशिक्षुप्लेटफ़ॉर्म या स्टार्टअप

इस योजना के पीछे का नियम

नियम संस्करण 1 · 24 अक्टू॰ 2024 से लागू

Gazette of India Extraordinary No. 4282, S.O. 4658(E) - Amendment to Credit Guarantee Fund for Micro Units (CGFMU) scheme introducing Tarun Plus · Ministry of Finance, Department of Financial Services (Gazette of India)

किसी ने अभी तक यह नियम स्रोत से नहीं मिलाया

नियम को चाहिए: आप कौन हैं*, जिला, परियोजना लागत, सामाजिक वर्ग, लिंग, उद्यम पंजीकरण, पहले का डिफ़ॉल्ट या सब्सिडी

इस संस्करण की शर्तें:
  • उद्यम पंजीकरण · बराबर → इसे सशर्त बनाता है: Udyam registration is required before applying
  • पहले का डिफ़ॉल्ट या सब्सिडी · बराबर → इसे बाहर करता है: A prior bank default or an earlier self-employment subsidy leads to rejection

स्रोत जो खुला छोड़ता है

  • lenders apply their own KYC/credit norms (not found as a scheme rule)
  • Drop or flag the '7-10 days Shishu turnaround' sub-claim unless re-sourced - not found in FAQ text fetched 2026-09-05
  • PIB pages (PRID 2068019, 2069170) returned 403 so could not be read directly.

आवेदन शुरू करें →

लाभ

लाभ का प्रकार
Collateral-free term loan and/or working capital (incl. MUDRA Card overdraft) from banks/NBFCs/MFIs, classified under PMMY and refinanced by MUDRA; credit-guarantee cover through CGFMU. No subsidy.
राशि
Shishu: up to Rs 50,000; Kishore: above Rs 50,000 up to Rs 5,00,000; Tarun: above Rs 5,00,000 up to Rs 10,00,000; Tarun Plus: above Rs 10,00,000 up to Rs 20,00,000 (only for borrowers who availed and successfully repaid a previous Tarun loan) - unchanged
सब्सिडी का हिस्सा
Nil (MUDRA FAQ Q19) - unchanged
अधिकतम सीमा
Rs 20,00,000 (Rs 10,00,000 for first-time/non-Tarun-repaid borrowers) - unchanged
अवधि
Not prescribed by the scheme; lender-determined. Drop or flag the '7-10 days Shishu turnaround' sub-claim unless re-sourced - not found in FAQ text fetched 2026-09-05
जमानत
None - loans up to Rs 20 lakh are collateral-free/third-party-guarantee-free per RBI norms and CGFMU S.O. 4658(E); guarantee cover extended by CGFMU (NCGTC)
सत्यापन टिप्पणी
Collateral-free loans up to Rs 10 lakh (Rs 20 lakh via Tarun Plus for repeat Tarun borrowers) for non-farm income-generating micro enterprises in manufacturing, processing, trading or services; no subsidy. Numbers stand as claimed.

पात्रता

कौन आवेदन कर सकता है
  • Individuals / proprietors
  • Partnership firms
  • Private / public limited companies (micro units)
  • Joint Liability Groups (JLG)
  • Self Help Groups (SHG) - for guarantee cover, loans above Rs 10 lakh up to Rs 20 lakh
  • New or existing non-corporate, non-farm micro enterprises in manufacturing, processing, trading, services and agri-allied activities
आयु
No age limit prescribed in PMMY/CGFMU notification or MUDRA FAQ; lenders apply their own KYC/credit norms (not found as a scheme rule)
लिंग और श्रेणी
Open to all Indian citizens; no reservation, but SC/ST/OBC/women/minority shares are monitored (AR 2024-25: women 59.81% of accounts); sub-category proof asked in checklist
टर्नओवर या निवेश सीमा
No turnover test in PMMY; unit must be a 'micro unit/enterprise' as per MSMED Act 2006 (as amended) and loan need must not exceed Rs 20 lakh. Tarun Plus (Rs 10-20 lakh) only for borrowers who availed and successfully repaid a previous Tarun loan.
क्या इत्र व्यापार सूची में है
Eligible by construction - no positive trade list; any non-farm income-generating manufacturing/processing/trading/service activity under Rs 20 lakh qualifies. 'Attar/perfume' not named anywhere.
अन्य शर्तें
Applicant must not be a defaulter with any bank/FI (checklist item 5); PAN not mandatory but KYC required; IT returns generally not insisted for small loans (FAQ)

आवेदन कैसे करें

ऑनलाइन पोर्टल
https://www.udyamimitra.in (online PMMY application; also https://www.jansamarth.in). Scheme information: https://www.mudra.org.in
कार्यालय जहाँ जाना है
Any branch of a scheduled commercial bank, RRB, Small Finance Bank, cooperative bank, NBFC or MFI in Kannauj district; MUDRA warns there are no agents/middlemen.
दस्तावेज़
  • Proof of identity (Voter ID / Driving Licence / PAN / Aadhaar / Passport)
  • Proof of residence (utility bill, property-tax receipt, Voter ID, Aadhaar, Passport)
  • Proof of SC/ST/OBC/Minority (if applicable)
  • Proof of identity/address of the business (licences, registration certificates, e.g. Udyam)
  • Statement of accounts for last six months from existing banker (if any)
  • Last two years balance sheets and IT/sales-tax returns (for loans of Rs 2 lakh and above)
  • Projected balance sheet for one year (WC) or loan period (term loan) (Rs 2 lakh and above)
  • Sales achieved in current FY to date
  • Project report on technical and economic viability
  • MoA/AoA or partnership deed where applicable
  • Asset and liability statement of borrower (in absence of third-party guarantee)
  • Two photographs of proprietor/partners/directors
  • Declaration of not being a defaulter with any bank/FI

सावधानी

1) Tarun Plus (Rs 10-20 lakh) is available only to entrepreneurs who have availed and successfully repaid a previous Tarun-category loan; first-time borrowers are capped at Rs 10 lakh. 2) Non-farm only: flower cultivation itself (rose, jasmine farming for attar) is agriculture and is outside PMMY except agri-allied activities; corporate/large units excluded. 3) No subsidy or interest concession - interest is deregulated and set by the lender; PMMY is a classification of ordinary bank loans, not a grant. 4) 'Collateral-free' is an RBI/CGFMU norm but sanction remains at the bank's discretion; banks may still ask for asset-liability statements and project reports, and rejection is common for weak credit histories. 5) Defaulters with any bank/FI are ineligible. 6) Beware of agents; MUDRA does not lend directly and engages no facilitators. 7) Guarantee coverage percentages, tenure and processing fees are fixed by CGFMU/lenders, not by the scheme notification (figures not found in documents read). 8) Kannauj-specific lead bank/LDM contact could not be verified on an official page.

कन्नौज में एजेंसी

Not a DIC/KVIC scheme: loans are sanctioned directly by Member Lending Institutions - scheduled commercial bank branches (public and private), Regional Rural Banks (in Kannauj the RRB is Aryavart Bank - not verified on an official page this session), Small Finance Banks, NBFCs and MFIs - coordinated through the district Lead Bank / LDM and the SLBC-UP. Specific Kannauj LDM/lead-bank name: not found (kannauj.nic.in lead-bank and bank pages returned 404 on 2026-09-05). DIC Kannauj, UPKVIB and FFDC are not sanctioning agencies; they can only link an ODOP/PMEGP project to a PMMY-classified bank lo

क़ानूनी आधार

आदेश या अधिसूचना
Gazette of India Extraordinary Part II Sec 3(ii) No. 4282, S.O. 4658(E), F. No. 6/12/2024-Mission Office, DFS (amending CGFMU scheme notification S.O. 1443(E) of 18 April 2016 and later amendments) - inserts 'Tarun Plus' (above Rs 10 lakh up to Rs 20 lakh) and raises collateral-free micro-loan limit to Rs 20 lakh. Policy origin: Union Budget Speech 2024-25 (23 July 2024), para 46. PMMY itself launched 8 April 2015 (no separate statute).
तारीख
2024-10-24 (effective 24.10.2024)
लिंक
https://www.mudra.org.in/Default/DownloadFile/GazetteNotificationforTarunPlus.pdf

दिशानिर्देशों की वर्तमान स्थिति

In force as of 2026-09-05; Tarun Plus framework (Oct 2024) remains current on mudra.org.in. No 2025/2026 revision found. PIB pages (PRID 2068019, 2069170) returned 403 so could not be read directly.

स्रोत

स्वीकृति सम्बंधित विभाग करता है। आँकड़े दिखाई गई तिथि पर सत्यापित हैं; आवेदन से पहले पोर्टल देखें।