Pradhan Mantri Mudra Loan Yojana kaise milta hai 2025

The Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme launched by the Government of India to provide financial support to small businesses and entrepreneurs. Under this scheme, loans ranging from ₹50,000 to ₹10 lakh are provided to individuals to start or expand their businesses. This article provides a detailed guide on the scheme, including its objectives, types of loans, eligibility, required documents, and the application process.

Pradhan Mantri Mudra Loan Yojana 2025 : Overview

Objective of Pradhan Mantri Mudra Yojana

The primary objective of the Pradhan Mantri Mudra Yojana (PMMY) is to promote entrepreneurship and support small businesses, especially among first-generation entrepreneurs and small traders. The scheme aims to:

• Provide financial assistance to individuals for starting or expanding their businesses.
• Encourage self-employment and job creation.
• Foster economic growth by supporting micro and small enterprises.

Types of Loans Under PM Mudra Yojana

The scheme offers three categories of loans based on the stage and size of the business:

Eligibility for PM Mudra Loan Scheme

To apply for a loan under the Pradhan Mantri Mudra Yojana, applicants must meet the following eligibility criteria:

1. The applicant must be a permanent resident of India.
2. The minimum age of the applicant should be 18 years.
3. The applicant should not have defaulted on any previous bank loans.
4. The applicant must have a proper business plan and knowledge of the business they intend to start or expand.
5. The applicant must meet the minimum educational qualifications required for the business.

Documents Required for PM Mudra Yojana

Applicants must keep the following documents ready to apply for the scheme:

• Aadhaar Card
• Voter ID Card
• Ration Card
• PAN Card
• Caste Certificate (if applicable)
• Passport-sized photograph
• Business-related information or project report

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