🏦 What is PM Mudra Loan Scheme?
The Pradhan Mantri Mudra Yojana (PMMY) is a central government scheme offering business loans up to ₹10 lakh without any collateral. It’s designed to support small business owners, startups, traders, manufacturers, and self-employed individuals.
- 💰 Loan Amount: Up to ₹10 lakh (provisioned up to ₹20 lakh in budget)
- 🛡️ No Collateral Needed
- 🧾 Documents: Aadhaar, PAN, and bank details
🌐 Where to Apply?
The application is submitted online through the official Jansamarth Portal:
🧭 Step-by-Step Guide to Apply for Mudra Loan Online
✅ Step 1: Visit Jansamarth Portal
- Open Google and type “Jansamarth”
- Click on the official link: jansamarth.in
✅ Step 2: Choose Loan Type
- Click on “Business Activity Loan”
- Select “Check Eligibility” under Pradhan Mantri Mudra Yojana
✅ Step 3: Fill Eligibility Form
- Business type: New or Existing
- Education level (e.g., 8th pass)
- EDP Training: Yes/No
- Business nature: Manufacturing, Service, Trading
- Social category, gender, disability, ex-serviceman, etc.
- Project cost & investment amount (e.g., ₹9 lakh project, ₹2 lakh own funds, ₹7 lakh loan)
Click “Check Eligibility” – If eligible, you’ll see the loan offer and EMI details.
📲 Step 4: Register and Login
- Click on “Login to Apply”
- Enter mobile number → Receive OTP → Register
- Login again with OTP and Captcha
📝 Step 5: Fill Application Details
- Click Proceed after eligibility confirmation
- Upload these documents:
- Aadhaar Card
- PAN Card
- Bank Account Details
- Sales and business details
Follow on-screen steps:
- PAN & DOB verification
- Aadhaar OTP authentication
- Business category and sector
- Upload necessary documents
- Submit bank details for disbursal
✅ Final Submission and Disbursal Process
- After submission, your application is verified
- A bank official may visit or call to verify documents
- Once approved, the loan amount is directly credited to your bank account
📌 Key Features of PM Mudra Yojana 2025
| Feature | Details |
| Maximum Loan Amount | ₹10 lakh (soon to be ₹20 lakh) |
| Collateral Required | No |
| Interest Rate | Varies by lender, competitive rates |
| Repayment Tenure | Up to 5 years |
| Eligibility | Indian citizen, small business owner |
| Portal to Apply | jansamarth.in |
📝 Important Tips
- Keep your Aadhaar-linked mobile number active
- Make sure your PAN and bank details are correct
- You can track your application after submission
🏁 Conclusion
Applying for a PM Mudra Loan online in 2025 is now easier than ever. With no need to visit a bank or submit collateral, the entire process is fast, paperless, and secure. If you’re a small business owner looking to expand, don’t miss this opportunity — apply through the Jansamarth portal today.
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