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 PM Mudra Yojana Kya Hai? Puri Jankari Hindi Me (2025 Guide)

PM mudra yojna scheme 

Agar aap apna business shuru karna chahte hain ya phir existing business expand karna chahte hain, lekin paise ki kami hai, to Pradhan Mantri Mudra Yojana (PMMY) aapke liye ek best option ho sakta hai. Yeh scheme India sarkar ne 2015 me start ki thi jisme bina kisi guarantee ke business loan milta hai.

Is article me hum PM Mudra Yojana ki puri jankari dene wale hain – yeh kya hai, kaun le sakta hai, kaise apply karein, documents kya chahiye aur iska kya fayda hai. To chaliye, bina kisi deri ke shuru karte hain!

PM Mudra Yojana Kya Hai?

PM Mudra Yojana ek Government Scheme hai jo chhoti businesses (small businesses), startups aur entrepreneurs ko financial support dene ke liye launch ki gayi hai. Mudra ka full form hai – Micro Units Development & Refinance Agency.

PM mudra yojna scheme me aapko बिना गारंटी के लोन (Collateral-Free Loan) diya jata hai jo aap अपने बिजनेस को बढ़ाने, नए उपकरण खरीदने, स्टॉक बढ़ाने या नए स्टार्टअप शुरू करने के लिए use kar sakte hain.

PM Mudra Yojana Ke Types (Loan Categories)

PM Mudra Yojana me तीन प्रकार के लोन diye jate hain jo business ke growth stage par depend karte hain:

1️⃣ Shishu Loan (₹50,000 तक) – Naya business shuru karne ke liye

2️⃣ Kishore Loan (₹50,000 से ₹5 लाख तक) – Business expand karne ke liye

3️⃣ Tarun Loan (₹5 लाख से ₹10 लाख तक) – Bada business setup karne ke liye

Example:

Agar aap naya tea stall, beauty parlour ya tailoring shop kholna chahte hain, to Shishu Loan best hai.

Agar aap apni existing dukan ko bada karna chahte hain, to Kishore Loan sahi hai.

Agar aap restaurant ya bada business shuru karna chahte hain, to Tarun Loan aapke liye better hai.

PM Mudra Yojana Ke Fayde (Benefits)

✅ Bina kisi guarantee ke loan milta hai.

✅ Interest rate kam hoti hai (Bank ke policy par depend karta hai).

✅ Loan lene ke liye kisi collateral ki zaroorat nahi hoti.

✅ Chhoti businesses aur startups ke liye best hai.

✅ Loan ki repayment flexible hoti hai.

You may also read this : Startup Loan Kaise Milega? – Ek Complete Guide

PM Mudra Yojana Ke Liye Kaun Apply Kar Sakta Hai?

Yeh loan sirf business purpose ke liye diya jata hai, personal use ke liye nahi. Ye log apply kar sakte hain:

✔ Small Business Owners (Chhoti Dukan waale, Sabzi bechne waale, Tailors, Mechanics, etc.)

✔ Women Entrepreneurs (Mahilayen jo apna business shuru karna chahti hain)

✔ Startups aur Entrepreneurs

✔ Service Providers (Beauty Parlour, Carpenters, Photographers, etc.)

✔ Manufacturers aur Traders

PM Mudra Yojana Ke Liye Documents

Mudra Loan lene ke liye aapko yeh documents submit karne hote hain:

📌 Aadhar Card, PAN Card (Identity Proof)

📌 Address Proof (Electricity Bill, Ration Card, etc.)

📌 Business Plan (Aapka business kya hai aur uska future growth kaise hoga)

📌 Bank Statement (Last 6 months)

📌 Business Registration Documents (Agar koi hai to)

📌 Passport Size Photos

PM Mudra Yojana Me Loan Kaise Milega? (Apply Kaise Karein?)

Mudra Loan lene ke liye aapko kisi bhi government-approved bank, NBFC ya Micro Finance Institution (MFI) me apply karna hota hai.

Step-by-Step Apply Process:

1️⃣ Apne najdiki bank me jayein (SBI, PNB, HDFC, ICICI ya kisi bhi nationalized bank me).

2️⃣ Mudra Loan Application Form bharen.

3️⃣ Documents submit karein.

4️⃣ Bank aapka business plan aur documents verify karega.

5️⃣ Agar sab kuch sahi raha, to loan approve ho jayega aur aapke account me paisa aa jayega.

🖥️ Online Apply Karne Ka Tarika

Mudra Yojana ki official website (https://www.mudra.org.in) par jayein.

Application Form download karein aur fill karein.

Apne najdiki bank me jake documents ke sath submit karein.

PM Mudra Yojana Se Related 

FAQs (Common Questions)

1. Kya Mudra Loan bina kisi security ke milta hai?

👉 Haan, Mudra Loan bina kisi collateral ya guarantee ke milta hai.

2. Mudra Loan lene ke liye koi processing fees hai?

👉 Nahi, Shishu aur Kishore Loan me koi processing fees nahi hoti. Tarun Loan me bank ke according nominal fees lag sakti hai.

3. Kya unemployed log Mudra Loan le sakte hain?

👉 Haan, agar aap apna business shuru karna chahte hain aur aapke paas ek solid business idea hai, to aap apply kar sakte hain.

4. Kya student bhi Mudra Loan le sakte hain?

👉 Haan, agar student apna startup shuru karna chahta hai to Mudra Loan le sakta hai.

5. Mudra Loan ka repayment period kitna hota hai?

👉 Mudra Loan ko 3 se 5 saal tak asani se repay kiya ja sakta hai.

Conclusion

Agar aap apna business shuru karna chahte hain, lekin paise ki dikkat ho rahi hai, to PM Mudra Yojana ek best option hai. Yeh government-backed loan hai jo bina kisi guarantee ke milta hai, aur iska interest rate bhi kam hota hai.

Agar aapko business shuru karne ka plan hai, to aaj hi Mudra Loan ke liye apply karein aur apne sapne ko sach karein!

🔹 Official Website: https://www.mudra.org.in

✔ PM Mudra Yojana

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✔ Mudra Loan

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✔ Small Business Loan India

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✔ Sarkari Loan Yojana 2025

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✔ Easy Business Loan

🔹 Mudra Loan Kya Hai

🔹 PM Mudra Yojana Ke Fayde

🔹 Mudra Loan Bank List

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🔹 Mudra Loan Interest Rate 2025

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🔹 Business Loan Without Guarantee

🔹 Mudra Loan Ke Liye Kaun Apply Kar skta hai

🔹 PM Mudra Yojana Full Details in Hindi.

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