Understand the right MUDRA category for your micro business.
PMMY supports eligible micro-enterprise term-loan and working-capital requirements through Member Lending Institutions.
Eligibility / applicability
- Income-generating micro-enterprise / eligible allied activity
- Term-loan or working-capital purpose
- Tarun Plus requires successful repayment of a prior Tarun loan
- Lender credit assessment and documentation apply
Typical documents
- KYC and business details
- Business activity / registration evidence
- Banking records
- Income / turnover evidence as required
- Purpose / quotation documents where applicable
A simple scheme journey
Exact processing time depends on the scheme, authority and lender workflow.
Choose category
Scheme-specific stage
Profile check
Scheme-specific stage
Prepare documents
Scheme-specific stage
Approach MLI
Scheme-specific stage
Lender appraisal
Scheme-specific stage
Disbursement if approved
Scheme-specific stage
Before you spend time on MUDRA / PMMY, understand the route first.
PMMY supports eligible micro-enterprise term-loan and working-capital requirements through Member Lending Institutions.
When this route deserves a closer look
Instead of treating every visitor as eligible, UGNA first helps the user understand whether the business profile, purpose and documents broadly fit the scheme/lender route.
Why otherwise good applications slow down
Applying because a headline sounds attractive without checking applicant, project or lender conditions.
Documents do not clearly explain project cost, repayment capacity, cash flow or the business purpose.
Mixing up the role of the government authority, portal, lender, guarantee body and private advisor.
What UGNA supports — and what the authority or lender controls
UGNA can support
- Understand scheme applicability and current route
- Organise supporting documents and business information
- Prepare the profile for lender/authority discussion where relevant
- Coordinate queries and next-step follow-up
- Help manage eligible scheme-linked loan documentation after sanction
Authority / lender controls
- Final scheme eligibility and statutory interpretation
- Credit underwriting and lender policy
- Sanction amount, pricing and repayment terms
- Guarantee / subsidy / certification approval
- Disbursement and final benefit release
Questions users ask before they apply
This page is kept current through the official source linked above.
Explore other routes before deciding
PMEGP
A business-first guide to project limits, subsidy bands, eligibility, documents and the bank-linked process.
CGTMSE
CGTMSE does not lend directly. It provides guarantee cover to eligible credit facilities extended by Member Lending Institutions.
PMFME
PMFME provides credit-linked capital support for eligible micro food-processing enterprises and certain group/common-infrastructure projects.