PM Mudra Yojana Loan Online Apply - Tar, Kishan, Shri Categories, Interest & EMI | JobGati
PM Mudra Yojana eligibility, Tar (50k)/Kishan (5L)/Shri (10L) categories, interest 10-12%, EMI calculation, online apply process + Mudra MIS status check — complete guide.
PM Mudra Yojana Loan Online Apply - Tar, Kishan, Shri Categories, Interest & EMI | JobGati
Chhota business shuru karna hai ya existing business expand karna hai - lekin bank se collateral-free loan nahi milta? PM Mudra Yojana ke through aap ₹50,000 se ₹10 lakh tak ka loan le sakte hain - bina collateral, bina guarantor. Problem tab hoti hai jab aapko na pata ho ki Tar, Kishan aur Shri mein kya farak hai, interest aur EMI kitni hogi, aur application status kahan check karein.
Is article mein hum cover karenge - PM Mudra Yojana kya hai aur teen categories, eligibility aur documents, interest rate + EMI calculation, step-by-step application process aur Mudra MIS status check. Sab kuch Hinglish mein, step-by-step.
📌 Table of Contents (Quick Navigation)
- PM Mudra Yojana: Quick Overview
- Tar, Kishan, Shri - Teen Categories Detail Mein
- Interest Rate aur EMI Calculation
- Step-by-Step: Online Apply aur Status Check
- Direct Official Links
- Pro Tip & Recommended Tools
- Frequently Asked Questions (FAQs)
PM Mudra Yojana: Quick Overview
| Feature / Service | Official Details |
|---|---|
| Official Authority | Ministry of Finance, Govt. of India (Mudra MIS: mudramis.nic.in) |
| Service Type | Collateral-free business loan - self-employment / MSME sector ke liye |
| Loan Categories | Tar: ₹50,000 tak | Kishan: ₹50,001-₹5,00,000 | Shri: ₹5,00,001-₹10,00,000 |
| Apply Modes | Bank branch + bank ke online Mudra portal (empanelled banks) |
| Key Requirements | Age 18+, Aadhaar + PAN, business idea/plan, bank account, CIBIL score (700+ better) |
| Interest Rate | Approx 10-12% per annum (bank wise vary karta hai) |
| Official Portal Link | mudra.org.in (scheme info) + aapka bank (disbursement) |
| Processing Time | 7-15 din (bank approval ke baad disbursement) |
Tar, Kishan, Shri - Teen Categories Detail Mein
PM Mudra Yojana loan amount ke hisaab se teen categories mein banta hai - apni business requirement ke hisaab se sahi category choose karein:
| Category | Loan Amount | Best For |
|---|---|---|
| Tar | ₹50,000 tak | Chhoti kirayati, raw material, chhota equipment |
| Kishan | ₹50,001 - ₹5,00,000 | Medium business expansion, machinery, inventory |
| Shri | ₹5,00,001 - ₹10,00,000 | Large project, shop, franchise, chhota manufacturing unit |
⚠️ Important: Mudra loan collateral-free hai - ghar ya property bharana nahi padta. Approval credit score (CIBIL 700+ better), business viability aur bank ki policy par depend karta hai. Pehla loan theek se chukaya toh repeat loan milta hai - agla amount zyada bhi ho sakta hai.
Eligibility conditions:
- Age 18+ saal (individual/proprietorship/partnership)
- Self-employment ya MSME sector - trading, manufacturing, services, agriculture
- India ka resident + valid Aadhaar + PAN
- Active bank account (disbursement ke liye)
- NOT eligible: Farming income ke liye (PM Kisan alag scheme hai), real estate, speculative trades
Interest Rate aur EMI Calculation
Current interest rate: approx 10-12% per annum (bank ki policy ke hisaab se vary karta hai). EMI reducing balance method par calculate hoti hai. Approximate figures (10.5% par):
| Loan Amount | Tenure | Approx EMI (10.5%) | Total Interest |
|---|---|---|---|
| ₹50,000 (Tar) | 3 saal | ₹1,652 | ₹9,720 |
| ₹2,00,000 (Kishan) | 4 saal | ₹5,245 | ₹47,280 |
| ₹5,00,000 (Kishan) | 5 saal | ₹11,149 | ₹1,68,940 |
| ₹10,00,000 (Shri) | 5 saal | ₹21,556 | ₹2,96,360 |
Yeh approximate figures hain (10.5% APR par). Exact EMI aapke bank ke actual rate par depend karega - EMI Calculator se exact figure nikalein.
Step-by-Step Guide: PM Mudra Yojana Loan Online Apply aur Status Check
Process bank ke through hota hai - 7-15 din mein decision aata hai. Niche diye gaye steps ko follow karein.
Step 1: Business Plan Prepare Karein
Pehle business idea clear karein: kya product/service, kitna capital chahiye, expected revenue, aur kya assets khareedne hain. Simple 1-2 page business plan bank ko approval dena easy kar deta hai. Loan amount (Tar/Kishan/Shri) decide karein.
Step 2: Bank Branch Par Jayein (Ya Online Apply)
Method A - Bank Branch: apne local bank branch (SBI, PNB, HDFC, ICICI, etc. - Mudra empanelled) par jayein. Method B - Online: bank ki Mudra portal par online application start karein (bahut saare banks mein available). Mudra MIS (mudramis.nic.in) par status check hota hai.
Step 3: Application + Documents Submit Karein
Form mein: Aadhaar, PAN, mobile, bank account, business details. Documents: 2 photos, Aadhaar copy, PAN copy, address proof, business plan. Existing business ke liye previous sales/purchase records bhi le jaayein (optional lekin helpful - repayment capacity dikhta hai).
Step 4: Credit Check & Approval
Bank aapka CIBIL score check karega (700+ better) + business viability review karega. 7-15 din mein decision aayega - email/SMS par. Reject ho jaaye toh reason dikhega - uske hisaab se theek karke 1 mahine ke baad dobara apply kar sakte hain.
💡 Helper: Bahut saare banks pehle 6 mahine sirf interest (grace period) ka option dete hain - EMI uske baad shuru. Yeh business ko settle hone ka time deta hai. Apply karte waqt hi grace period available hai ya nahi zaroor poochein - har bank ki policy alag ho sakti hai.
Step 5: Loan Disbursement + EMI Start
Approval ke baad agreement sign + bank account mein disbursement (1-3 din). EMI next month se shuru hoti hai (ya grace period ke baad). Time par EMI pay karna zaroori hai - missed EMI par CIBIL impact hota hai aur agla loan mushkil ho jata hai. Status bank ke netbanking/app ya mudramis.nic.in par check karein.
⚡ Direct Official Links For PM Mudra Yojana Services
🔒 Official Source Verification: Niche diye gaye sabhi links direct official government portals (.gov.in / .nic.in) se verified hain. JobGati par koi bhi fake ya third-party payment link provide nahi kiya jata.
| Service Name | Direct Official Link |
|---|---|
| PM Mudra Yojana (Scheme Info) | mudra.org.in |
| Mudra MIS (Loan Status Check) | mudramis.nic.in |
| Bank Branch (Apply + Disbursement) | Aapke city ke Mudra-empanelled bank branch (list: mudra.org.in) |
| PM Mudra Yojana Official FAQs (Apply Process, Collateral Rules) | mudra.org.in/FAQ |
💡 JobGati Pro Tip & Recommended Tools
Loan apply karne se pehle apni EMI affordability calculate kar lein - monthly business income ke against EMI ka ratio 50% se kam rakhna healthy hai. 1 minute ka calculation rejection aur repayment stress dono se bachata hai.
Recommended Tool: EMI Calculator - loan amount + tenure + interest rate daal kar exact EMI + total interest calculate karein (Mudra ka 10.5% rate daalein, free, instant).
Related Article: Post Office FD vs Bank FD Comparison - Mudra loan se business profit nikalne ke baad surplus ko safe investment mein daalne ke liye dono options compare karein. PPF Account Kaise Kholein - business owner ke liye tax-free long-term saving ka solid option.
Contextual Tool Routing
For Tax Planning: Income Tax Calculator (Old vs New Regime) (Mudra loan ka interest business expense mein deduct ho sakta hai - net tax impact check karein)
For Business Plan Writing: Word & Character Counter (bank form mein remarks/business description fields ki character limit check karein)
❓ Frequently Asked Questions (FAQs)
Q1. PM Mudra loan ke liye collateral chahiye kya?
Ans: Nahi. Mudra loan unsecured/collateral-free hai - ghar, car, property bharana nahi padta. Approval credit score (CIBIL 700+ better), business viability aur bank policy par depend karta hai. Pehla loan theek se chukaya toh repeat loan bhi milta hai, zyada amount par bhi.
Q2. Mudra loan ki EMI kitni hoti hai?
Ans: Loan amount + tenure + bank rate par depend karta hai. Example: ₹5 lakh, 5 saal, 10.5% par approx ₹11,149 EMI. Exact figure bank ke actual rate ke saath EMI Calculator se calculate karein.
Q3. Mudra loan mein grace period milta hai?
Ans: Haan, option par. Bahut saare banks pehle 6 mahine sirf interest pay karne ki facility dete hain (EMI baad mein shuru) - business ko settle hone ka time milta hai. Bank branch se confirm karein - har bank ki policy alag ho sakti hai.
Q4. Mudra loan reject ho jaaye toh kya karein?
Ans: Pehle rejection reason check karein (CIBIL low, business plan weak, documents incomplete). Uske hisaab se 1 mahine ke baad dobara apply - CIBIL improve karein (time par payments), better business plan banayein, aur zaroorat ho toh alag bank try karein. Rejection final nahi hoti.
🔔 Business Loan aur Sarkari Yojana Updates Sabse Pehle Paayein: Har naya scheme update, loan guide aur free tool ke liye JobGati.com ko Bookmark (Ctrl+D) zaroor karein!
⚠️ Important Disclaimer: JobGati ek swatantra shiksha portal hai. JobGati ka kisi bhi sarkari sanstha ya vibhag se koi sidha sambandh nahi hai. Hum keval aam nagrikon ki suvidha ke liye verified jankari aur official links provide karte hain. Interest rate bank-wise vary karta hai - apply karne se pehle exact rate apne bank se confirm karein. Loan approval bank ki policy par depend karta hai - yeh guide educational hai, koi loan guarantee nahi.
What's Your Reaction?
Comments