Who can apply for a PMMY Tarun loan?

Established non-farm micro-enterprises with a demonstrated operational track record that need ₹5 lakh to ₹10 lakh to scale can apply through any MUDRA-empanelled bank, RRB, MFI, or NBFC.

What is the loan range under Tarun?

₹5,00,001 to ₹10 lakh. For higher amounts (up to ₹20 lakh), the Tarun+ category is available for those who have previously repaid a MUDRA loan.

Is collateral required?

No collateral is mandated. Lenders evaluate your business merit and past repayment behaviour to assess the loan.

What can the loan be used for?

Adding machinery or equipment, expanding to new markets, managing seasonal working capital, or scaling any non-farm income-generating activity in manufacturing, services, or trading.

What are the interest rates and tenure?

Interest rates and loan tenure are determined by the lender within RBI''s MSME lending guidelines. There is no statutory cap at the Tarun tier — compare offers across lenders before applying.

Apply at any MUDRA-empanelled scheduled commercial bank, RRB, MFI, or NBFC, or initiate your application online at jansamarth.in.

StartupGrants India

PMMY Tarun — MUDRA Loan ₹5 Lakh to ₹10 Lakh

By Ministry of Finance, Govt of India

Active₹5L – ₹10LRolling ApplicationsNo equity taken

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Grant providers

Provider

Ministry of Finance, Govt of India

New Delhi · Delhi · India

The Ministry of Finance is the apex ministry of the Government of India responsible for the country's economic and fiscal policy. Headquartered at North Block, New Delhi, it administers taxation, public expenditure, financial-sector regulation, capital markets and the Union…

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Application Process

1
Register or log in on the
Register or log in on the Jan Samarth portal (jansamarth.in) and select 'Business Loan' → 'Pradhan Mantri MUDRA Yojana'.
You
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How to apply

Four steps from draft to disbursement — one action each.

1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
2
Submit on the official portal
Use the official application link and verify all details before final submission.
3
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.