Description

💼 Pradhan Mantri MUDRA Yojana (PMMY) – Empowering India’s Micro Enterprises

🏛️ What is MUDRA?

Micro Units Development and Refinance Agency Limited (MUDRA) is a government-backed NBFC under the Ministry of Finance. It was established to promote and refinance micro-enterprises across India, especially those operating in the unorganized or non-corporate sectors.

MUDRA supports lending institutions like Banks, MFIs, and NBFCs by offering refinance assistance for loans up to ₹10 lakhs under the Pradhan Mantri MUDRA Yojana (PMMY).

🎯 Purpose of MUDRA Loans

MUDRA loans aim to generate income and create self-employment opportunities. Funds can be used for:

• 🏪 Business loans for vendors, shopkeepers, traders, service providers
• 💳 MUDRA Card usage to meet working capital needs
• ⚙️ Equipment financing for small-scale operations
• 🚛 Loans for transport operators and vehicle purchases

✅ MUDRA Loan Eligibility

To qualify for a MUDRA loan:

Criteria	Details
Age Limit	Minimum: 18 years; Maximum: 65 years
Loan Amount	Up to ₹10 lakhs
Business Type	Non-farm income-generating activities in trading, manufacturing, or services
Business Stage	New or existing micro-enterprises

🏦 MUDRA Loan Categories

MUDRA loans are classified into three stages depending on the funding requirement and growth phase of the business:

Product Name	Loan Amount	Ideal For
Shishu	Up to ₹50,000	Startups and early-stage micro enterprises
Kishore	₹50,001 to ₹5,00,000	Growing small businesses needing working capital
Tarun	₹5,00,001 to ₹10,00,000	Established micro units seeking expansion

🎁 Key Benefits of MUDRA Loan

• ✅ No Collateral Required – Unsecured loans
• ✅ Low-Interest Rates – Affordable repayment terms
• ✅ Credit Guarantee Coverage – Protection against default
• ✅ Flexible Usage – Working capital, asset purchase, business setup
• ✅ Wide Accessibility – Available across India through partner banks & GST Suvidha Centres

🏢 Role of GST Suvidha Centre

GST Suvidha Centre is a nationwide facilitator and the only authorized MUDRA Loan Applicant provider in PAN India. We:

• Assist in MUDRA loan documentation and filing
• Provide support in loan categorization (Shishu/Kishore/Tarun)
• Ensure quick approvals with bank partners
• Guide micro-entrepreneurs through the entire process

📲 Apply now at: www.gstsuvidhacentres.com

📄 Documents Required for MUDRA Loan

• Aadhar & PAN Card
• Business Address and ID Proof
• Business Plan or Proposal
• Bank Statement (last 6 months)
• Quotation for machinery/equipment (if applicable)
• Proof of business continuity (for existing enterprises)

📌 Who Should Apply?

• Street vendors
• Small manufacturing units
• Artisans and craftsmen
• Transporters
• Tailors, salons, and repair shops
• Women entrepreneurs