Pradhan Mantri Mudra Yojana (PMMY) — commonly known as the Mudra Loan — is a government scheme launched by the Ministry of Finance to provide affordable credit to small businesses, micro enterprises, and self-employed individuals. Under this scheme, loans are provided through banks, MFIs, and NBFCs without collateral, enabling the unbanked and underbanked segments to access institutional credit for the first time.
Shishu — Up to ₹50,000
For businesses in their infancy — first-time entrepreneurs, micro vendors, artisans, and small traders starting their journey. Minimal documentation required.
Kishore — ₹50,001 to ₹5 Lakh
For established micro businesses needing to expand — small shops, service providers, agri-based enterprises, and growing micro manufacturers.
Tarun — ₹5 Lakh to ₹10 Lakh
For growing small businesses ready to scale — funded for capital expenditure, technology upgradation, and business expansion.
No Collateral Required
All Mudra loans are collateral-free — the government's MUDRA guarantee backs the loan, making it truly accessible to all entrepreneurs.
Wide Lender Network
Available through 27 Public Sector Banks, Private Banks, Regional Rural Banks, Cooperative Banks, MFIs, and NBFCs across India.
All Business Types
Manufacturing, trading, services — food stalls, tailoring, beauty salons, transport, small factories, and hundreds of other non-farm income activities.
- Indian citizens above 18 years of age — individuals, proprietors, self-employed
- Non-farm income generating businesses — manufacturing, trading, services
- New entrepreneurs (Shishu) and existing businesses (Kishore & Tarun)
- Women entrepreneurs get priority and better terms under PMMY
- SC/ST/OBC entrepreneurs get additional preference
- No minimum turnover or profit requirement for Shishu category
- Agricultural and allied activities (separate Kisan Credit Card scheme applies)
- Borrowers with existing defaults or NPA status
Category Selection
C&S Consultancy helps you identify the right Mudra category (Shishu/Kishore/Tarun) and optimal loan amount.
Best Bank Identification
We identify the bank or MFI with the highest Mudra approval rate and least processing hassle in your area.
Application Filing
We prepare and file the Mudra loan application with a business plan tailored to the lender's requirements.
Bank Appraisal
The bank evaluates your application. We follow up and respond to any queries quickly to ensure smooth processing.
Disbursement
Your Mudra loan card or account credit is activated. We assist with repayment scheduling and subsidy applications if applicable.
⚡ Why Apply Through C&S Consultancy?
- We know which banks actively disburse Mudra loans in Jaipur — saving you rejection and time
- Professional business plan preparation that dramatically increases approval chances
- We combine Mudra with state subsidies (PMEGP, RIPS-2024) for maximum benefit
- Zero-stress process — we handle bank visits, document collection, and follow-up
- Free guidance — we charge only a nominal success fee, not upfront