Small shops, trading, services and micro-enterprise funding needs.
For the shop you run, the service you offer, or the business you’re building. Understand PMMY credit categories and prepare for a conversation with a participating lender.
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ShishuUp to ₹50,000
Kishore / TarunAbove ₹50,000–₹10 lakh
Tarun PlusAbove ₹10 lakh–₹20 lakh
✓ English & Telugu support✓ Callback enquiry only · No approval guarantee✓ Independent loan guidance · Not a bank or government agency
Scheme overview
Small-business credit, with a clearer starting point.
Pradhan Mantri MUDRA Yojana (PMMY) provides access to institutional credit for eligible micro enterprises. Participating banks, NBFCs and microfinance institutions assess and sanction the loan; this website does not lend or approve applications.
Eligible purposes can include equipment and working capital for income-generating manufacturing, trading and services, including specified activities allied to agriculture. The lender checks the activity, proposed use of funds and repayment capacity.
Explore PMMY business credit through participating lenders. Tarun Plus, above ₹10 lakh and up to ₹20 lakh, is restricted to eligible borrowers who successfully repaid a previous Tarun loan.
Why explore this pathway?
What this pathway can help you prepare
01
Day-to-day business needs
Discuss stock, working capital or equipment needs with the lender.
02
A category for your requirement
Understand the relevant PMMY category before preparing your proposal.
03
Direct lender access
You can approach a participating institution directly; our guidance is optional.
Business credit for eligible micro enterprises
Participating lenders assess your proposal
AI-generated illustrative image. Not an actual customer or approval story.
MICRO-ENTERPRISE • REPAIR SERVICES
A small repair shop. A practical business need.
Tools, replacement parts and working stock are everyday needs for a repair business. Explain your activity and the proposed use of funds when exploring micro-enterprise credit.
AI-generated illustrative image. Not an actual customer or approval story.
MICRO-ENTERPRISE • RETAIL
Stock for the next day of business.
For a neighbourhood kirana shop, the plan may begin with inventory and everyday operating needs. Outline what you need to purchase before discussing the appropriate funding category.
✓An income-generating micro enterprise in an activity covered by PMMY.
✓A proposal that meets the participating lender’s documentation and credit assessment requirements.
✓For Tarun Plus, successful repayment of a previous Tarun-category loan is a specific condition.
Income-generating micro enterprises in eligible activities
Category and lender requirements apply
How to get started
From a first conversation to an official application
01
Describe your business
Choose your activity and funding range in the callback form.
02
Discuss the relevant category
Our team can explain the enquiry and the next documents to prepare.
03
Approach a participating lender
Apply directly with the institution and provide its requested documents.
04
Review the written offer
The lender assesses your case. Check charges and repayment terms before accepting.
Prepare your documents
Your document preparation checklist
Keep documents ready for the official application. Do not send sensitive identity documents through this form.
↳Identity and address proof requested by the lender
↳A clear description of the business and use of funds
↳Equipment quotations or stock estimates, where relevant
↳Business registration, bank records and other documents requested for your case
01
ILLUSTRATIVE BUSINESS SCENARIO
A neighbourhood shop planning its next purchase.
Illustrative example: a grocery owner wants to improve shelving and purchase stock. They prepare cost estimates and cash-flow records, then ask a lender which PMMY category fits. This example is not an approval or a customer testimonial.
PM Mudra Loan
Questions about this pathway
Is a first-time borrower eligible for Tarun Plus?+
Tarun Plus is specifically for eligible borrowers who have successfully repaid an earlier Tarun-category loan. A new borrower should discuss the appropriate other PMMY category with a lender.
Can Mudra credit support a retail shop?+
Trading is among the activities covered by PMMY. The exact business activity, documents, proposed use and credit assessment must be checked by the participating lender.
Does this website submit a bank application?+
No. This form creates a callback enquiry with TeluguGovtloanMitra. A formal application must be made through the lender’s process.
Does submitting this form guarantee a loan?+
No. This is a callback enquiry only. The lender or implementing authority decides eligibility, terms and approval.
Sources checked 17 October 2026. Confirm current rules before applying.
Independent information and enquiry service. We do not issue loans, represent the government, or guarantee approval, subsidies or interest rates.
English & Telugu support
Ready to discuss your business plans?
A short enquiry helps our team understand your needs. Approval and terms remain with the lender or implementing authority.
