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PM Mudra Loan Yojana Online Apply 2026

Apply for collateral-free business loans up to ₹20 Lakhs under the Pradhan Mantri MUDRA Yojana. Access the step-by-step guide for Indian & Rajasthan entrepreneurs using JanSamarth, SSO Portal & eMitra.

Apply Online via JanSamarth View Application Steps
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SSOLink.in is strictly an independent information portal. We are NOT associated with the Government of India, MUDRA, or any official bank. We do not ask for or collect passwords or personal credentials. Please visit the official government website jansamarth.in or use sso.rajasthan.gov.in / visit your nearest authorized eMitra kiosk to apply.

What is the PM Mudra Loan Yojana (PMMY)?

The Pradhan Mantri MUDRA Yojana (PMMY) is a flagship initiative launched by the Government of India to provide credit to micro-enterprises. The purpose of this scheme is to offer collateral-free loans to non-corporate, non-farm small/micro enterprises. In 2026, the limits have been increased to cater to the growing needs of Indian entrepreneurs.

These loans are offered by Member Lending Institutions (MLIs) which include Public and Private Sector Banks, Regional Rural Banks (RRBs) like **Rajasthan Marudhara Gramin Bank (RMGB)**, Small Finance Banks, NBFCs, and Microfinance Institutions (MFIs).

Mudra Loan Categories and Loan Limits (Updated 2026)

Under PMMY, loans are divided into four primary categories, depending on the stage of growth and financial requirements of the business:

Category Loan Amount Range Target Business Stage
Shishu Up to ₹50,000 Startups and newly set up business units.
Kishore ₹50,001 to ₹5 Lakhs Established business units requiring funds for expansion/equipment.
Tarun ₹5,00,001 to ₹10 Lakhs Mature businesses seeking a boost to grow further.
Tarun Plus ₹10,00,001 to ₹20 Lakhs Successful entrepreneurs who have successfully repaid previous Tarun loans.

How to Apply for PM Mudra Loan Online in 2026

Applying for a Mudra loan has been completely digitized. In Rajasthan, you can apply using any of the following three official methods:

Method 1: Online via the JanSamarth Portal

1

Visit the JanSamarth Portal

Go to the official website at www.jansamarth.in.

2

Check Eligibility Under Business Activity Loan

Select the "Business Activity Loan" category. Fill in details to check your eligibility.

3

Register & Upload Digital KYC Documents

Authenticate with your mobile number and OTP. Complete your digital KYC using Aadhaar & PAN details.

4

Compare and Choose Bank Offers

Review the list of available bank offers, choose your preferred lending bank, and submit your application.

Method 2: Via Rajasthan SSO Portal (For Rajasthan Citizens)

If you are an entrepreneur registered in Rajasthan:

  1. Go to the **SSO Rajasthan** portal at sso.rajasthan.gov.in.
  2. Login with your **SSO ID** and password.
  3. Search for **Udyam Registration** or **eMitra** services under G2C/G2B applications to secure your prerequisite business certificates.
  4. You can also browse the dynamic credit links integrated under state-sponsored schemes directly on the dashboard.

Method 3: Via eMitra Kiosks (Offline/Assisted Mode)

If you are not comfortable applying online, you can visit any authorized **eMitra kiosk** in Rajasthan:

  • Take your Aadhaar Card, PAN Card, Jan Aadhaar, Bank Statement, and Business License details with you.
  • The eMitra operator will log in using the eMitra Portal and fill out the JanSamarth or SLBC bank application on your behalf.
  • A nominal fee may be charged by the operator for application assistance.

Key Documents Required for Mudra Loan

  • Proof of Identity: Aadhaar Card, PAN Card, Voter ID Card, or Passport.
  • Proof of Address: Electricity bill, telephone bill, water bill, or lease agreement.
  • Proof of Business Address: Shop registration, trade license, GST registration certificate. In Rajasthan, an **eMitra-issued Shop Act License** or **Udyam MSME Certificate** is mandatory.
  • Business Plan/Project Report: Details of the business activities, equipment quotes, and estimated sales projections.
  • Bank Statements: Statements of the current or savings bank account for the last 6 to 12 months.

Official Mudra Loan Helpline Details

If you face any issues or need to lodge a complaint, contact these official helplines:

  • National PMMY Toll-Free Helpdesks: `1800-180-1111` / `1800-11-0001`
  • SLBC Rajasthan Helpline (Toll-Free): `1800-180-6546` (Provided by Bank of Baroda - Convenor of State Level Bankers' Committee Rajasthan)
  • Udyami Mitra Helpline: `1800-180-1000`

Frequently Asked Questions (FAQs)

Any Indian citizen who has a proprietary concern, partnership firm, private limited company, or LLP in the micro/small enterprise sector (including traders, shopkeepers, service providers, and small farmers) is eligible to apply.

Yes, having a clean credit history and a good CIBIL score (ideally 700+) helps in faster processing and approval, although banks also consider first-time borrowers with no credit history.

Interest rates are not fixed and depend entirely on the bank's assessment of your business profile. They typically range from 8.40% to 16% per annum.

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