Mudra Loan Online Apply 2025

Mudra Loan Online Apply 2025: Complete Guide for Small Business Financing

The Pradhan Mantri MUDRA Yojana (PMMY) continues in 2025 as a major financial support scheme aimed at empowering micro and small businesses across India. Whether you’re a budding entrepreneur, a street vendor, or a small-scale manufacturer, the Mudra Loan can help you get the funds you need — without collateral and with minimal paperwork.

Here’s a complete guide to the Mudra Loan Online Apply 2025 process, eligibility, interest rates, and how you can benefit from this government-backed loan scheme.

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💼 What is a Mudra Loan?

MUDRA stands for Micro Units Development and Refinance Agency Ltd. Under the PMMY, MUDRA provides loans of up to ₹10 lakh to:

• Non-corporate small businesses

• Micro enterprises

• Street vendors, artisans, shopkeepers, and service-based businesses

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🏷️ Mudra Loan Categories 2025

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✅ Eligibility Criteria for Mudra Loan 2025

You are eligible to apply if:

• You are an Indian citizen aged 18–65 years

• You own a non-farm micro or small enterprise

• Your business is in manufacturing, trading, or services

• You have a business plan and estimate of fund usage

• You’re not a defaulter in any bank or financial institution

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📲 How to Apply for Mudra Loan Online in 2025

Mudra loans can be applied through banks or online portals. Here’s the step-by-step online application process:

🔹 Step 1: Visit the Official Portal

Go to https://www.udyamimitra.in – the official Mudra loan portal.

🔹 Step 2: Click on “Apply for Mudra Loan”

Choose the appropriate loan type: Shishu, Kishor, or Tarun based on your funding requirement.

🔹 Step 3: Register and Login

• Provide your mobile number and email

• Complete OTP verification

• Fill in personal and business details

🔹 Step 4: Fill Application Form

• Enter your business name, activity, turnover, number of employees

• Select your preferred bank or financial institution

• Choose the loan amount and upload required documents

🔹 Step 5: Upload Documents

You’ll need to upload scanned copies of:

• Aadhaar and PAN Card

• Address proof (Electricity bill, Voter ID, Rent agreement, etc.)

• Business proof (Registration certificate, GST, Udyam Registration)

• Bank statements (last 6 months)

• Passport-size photograph

• Project report or business plan (for Kishor/Tarun)

🔹 Step 6: Submit Application

• Review the form

• Submit and save your Application ID

• You can track your status through the same portal

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💰 Mudra Loan Interest Rate and Repayment (2025)

• Interest Rate: Ranges between 8% – 12% p.a. (varies by bank and applicant’s profile)

• Repayment Tenure: Up to 5 years with EMI options

• Processing Fee: Nil or very low for Shishu loans

• Collateral: No collateral required under any Mudra loan category

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🏦 Where to Apply Offline?

You can also apply for Mudra loans at:

• Public Sector Banks (SBI, PNB, Bank of Baroda, etc.)

• Private Banks (HDFC, ICICI, Axis, etc.)

• Regional Rural Banks (RRBs)

• Small Finance Banks and NBFCs

Visit the branch with your documents and request a Mudra loan application form.

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🔍 How to Track Mudra Loan Application Status?

1. Go to https://www.udyamimitra.in

2. Click on “Track Application Status”

3. Enter your Application ID or registered mobile number

4. View real-time status updates

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📞 Helpline and Support

• Toll-Free Number: 1800-180-1111 / 1800-11-0001

• Email: help@mudra.org.in

• Official Portal: https://www.mudra.org.in

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🎯 Benefits of Mudra Loan 2025

• No need for security or collateral

• Quick and easy application process

• Supports self-employment and small businesses

• Helps improve credit history

• Special provisions for women entrepreneurs, SC/ST, OBC, and minorities

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📝 Final Words

The Mudra Loan Scheme 2025 is a golden opportunity for small business owners, job seekers, and startups to access funds with minimal risk. With a strong push toward digital services, applying for a Mudra loan online has become faster and more efficient.

If you’re ready to grow your business or start a new venture, don’t wait. Apply now and unlock financial support under India’s most inclusive small business loan scheme.