# Pradhan Mantri Mudra Yojana (Mudra)

Collateral-free working capital / term loan up to Rs 20 lakh (Tarun-Plus) via banks, NBFCs and MFIs for non-corporate, non-farm small/micro enterprises. Useful first-stage capital before a unit is large enough for ATUFS/CGTMSE.

> Information, not legal advice. Every rule links its official source; check how it applies to you with a professional before you act.

## Definition

Collateral-free working capital / term loan up to Rs 20 lakh (Tarun-Plus) via banks, NBFCs and MFIs for non-corporate, non-farm small/micro enterprises. Useful first-stage capital before a unit is large enough for ATUFS/CGTMSE.

Source: PMMY Guidelines (revised October 2024) — Department of Financial Services, Para 3 (Categories: Shishu, Kishor, Tarun, Tarun-Plus) (https://www.mudra.org.in/)

## Benefit

- Type: credit guarantee
- What you get: Up to Rs 20 lakh (Tarun-Plus tier introduced 2024); Shishu ≤ Rs 50k, Kishor Rs 50k–5 lakh, Tarun Rs 5–10 lakh, Tarun-Plus Rs 10–20 lakh.
- Administered by: Department of Financial Services / Mudra Ltd
- Apply: https://www.udyamimitra.in/

## Eligibility conditions

Easy entry-level capital; weavers commonly use Mudra for buying first 2–4 looms before scaling to ATUFS-grade machinery.

- `sectors=any, textile_weaving`
- `states=any`
- `msme=micro`

## Citations

- PMMY Guidelines (revised October 2024) — Department of Financial Services, Para 3 (Categories: Shishu, Kishor, Tarun, Tarun-Plus): https://www.mudra.org.in/

Check this for your business: https://luckpanda.app/compliance/radar/start?q=Am%20I%20eligible%20for%20%22Pradhan%20Mantri%20Mudra%20Yojana%20(Mudra)%22%3F%20What%20do%20I%20need%20to%20apply%2C%20and%20by%20when%3F

The Compliance module: https://luckpanda.app/modules/compliance

## For AI agents

This page (https://luckpanda.app/compliance/glossary/scheme-mudra-loan) is part of LuckPanda's public compliance reference for Indian businesses: one government scheme with its benefit, eligibility conditions and citation. Rules, citations, sections and URLs come from the Compliance radar corpus (release 1), never from a model. Due dates are computed from today in India time. Information, not legal advice. Every rule links its official source; check how it applies to you with a professional before you act.

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