{"id":176194,"date":"2025-10-07T18:06:23","date_gmt":"2025-10-07T12:36:23","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=176194"},"modified":"2025-10-07T18:06:29","modified_gmt":"2025-10-07T12:36:29","slug":"pradhan-mantri-mudra-yojana","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/","title":{"rendered":"Pradhan Mantri Mudra Yojana, Features, Objectives"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#Why_was_PMMY_Launched\" >Why was PMMY Launched?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#What_is_MUDRA_and_its_Role_in_PMMY\" >What is MUDRA and its Role in PMMY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#What_are_the_Categories_of_MUDRA_Loans\" >What are the Categories of MUDRA Loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#Who_can_Apply_for_MUDRA_Loans\" >Who can Apply for MUDRA Loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#What_is_a_MUDRA_Card\" >What is a MUDRA Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#What_are_the_Key_Features_of_the_PMMY_Scheme\" >What are the Key Features of the PMMY Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#What_Steps_have_been_Taken_to_Improve_Scheme_Implementation\" >What Steps have been Taken to Improve Scheme Implementation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#What_are_the_Achievements_of_the_PMMY_Scheme\" >What are the Achievements of the PMMY Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#What_is_the_Future_Vision_MUDRA_20\" >What is the Future Vision MUDRA 2.0?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#How_has_PMMY_Impacted_Indias_Economy\" >How has PMMY Impacted India\u2019s Economy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-mudra-yojana\/#Questions_Based_on_PMMY\" >Questions Based on PMMY<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme launched by the Government of India on 8th April 2015, with the vision of \u201cFunding the Unfunded.\u201d<br>It aims to empower micro and small entrepreneurs who often struggle to get financial support from traditional banking systems due to lack of collateral.<\/p>\n\n\n\n<p>Under this initiative, loans of up to \u20b920 lakh are provided to non-corporate and non-farm small enterprises engaged in manufacturing, trading, services, and allied agricultural activities. These loans are provided through banks, microfinance institutions (MFIs), and non-banking financial companies (NBFCs).<\/p>\n\n\n\n<p>The scheme has been instrumental in promoting financial inclusion, entrepreneurship, and employment generation, particularly in rural and semi-urban India.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-was-pmmy-launched\"><span class=\"ez-toc-section\" id=\"Why_was_PMMY_Launched\"><\/span>Why was PMMY Launched?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before PMMY, many small business owners and self-employed individuals found it difficult to access formal credit. They had to rely on moneylenders, often at high interest rates.<br>Recognizing this gap, the government introduced the Pradhan Mantri Mudra Yojana to provide collateral-free micro-credit to small entrepreneurs, helping them grow their businesses and contribute to India\u2019s economy.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Providing institutional credit to small businesses lacking access to formal financial systems.<\/li>\n\n\n\n<li>Promoting self-employment and reducing dependence on informal lending sources.<\/li>\n\n\n\n<li>Encouraging inclusive growth by focusing on women, SC\/ST, and OBC entrepreneurs.<\/li>\n\n\n\n<li>Formalizing the informal sector by integrating small enterprises into the banking network.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/upcoming-government-exams\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Check Upcoming Govt Exams<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-mudra-and-its-role-in-pmmy\"><span class=\"ez-toc-section\" id=\"What_is_MUDRA_and_its_Role_in_PMMY\"><\/span>What is MUDRA and its Role in PMMY?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The term MUDRA stands for Micro Units Development and Refinance Agency Ltd. It is a financial institution set up under the Ministry of Finance and functions as a subsidiary of SIDBI (Small Industries Development Bank of India).<\/p>\n\n\n\n<p>MUDRA does not directly lend to entrepreneurs. Instead, it <strong>refinances<\/strong> the loans extended by banks, MFIs, and NBFCs to micro and small businesses.<br>This ensures that lending institutions have adequate funds to continue extending loans at affordable interest rates.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Refinance Support:<\/strong> Provides refinance to banks and financial institutions for on-lending to micro units.<\/li>\n\n\n\n<li><strong>Credit Facilitation:<\/strong> Encourages collateral-free lending under the PMMY framework.<\/li>\n\n\n\n<li><strong>Development Support:<\/strong> Offers capacity building, financial literacy, and training programs.<\/li>\n\n\n\n<li><strong>Monitoring and Supervision:<\/strong> Ensures proper implementation and credit flow through MUDRA Nodal Officers in banks.<\/li>\n\n\n\n<li><strong>Credit Guarantee:<\/strong> Works with the <strong>Credit Guarantee Fund for Micro Units (CGFMU)<\/strong> to protect lenders from default risks.<\/li>\n<\/ol>\n\n\n\n<p>As of 2025, <strong>Shri S. Ramann<\/strong>, the <strong>Chairman of SIDBI<\/strong>, also heads <strong>MUDRA Ltd.<\/strong><\/p>\n\n\n\n<p><strong>Check Out: <\/strong><a href=\"https:\/\/www.oliveboard.in\/blog\/important-government-schemes-nabard-grade-a\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Complete List of Important Schemes for NABARD Grade A Exam<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-categories-of-mudra-loans\"><span class=\"ez-toc-section\" id=\"What_are_the_Categories_of_MUDRA_Loans\"><\/span><strong>What are the Categories of MUDRA Loans?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To cater to different business needs and growth stages, PMMY loans are divided into <strong>four categories<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Loan Amount<\/strong><\/td><td><strong>Purpose<\/strong><\/td><td><strong>Stage of Business<\/strong><\/td><\/tr><tr><td><strong>Shishu<\/strong><\/td><td>Up to \u20b950,000<\/td><td>For start-ups or new ventures needing initial capital<\/td><td>Early stage<\/td><\/tr><tr><td><strong>Kishore<\/strong><\/td><td>\u20b950,001 \u2013 \u20b95 lakh<\/td><td>For existing businesses seeking expansion or working capital<\/td><td>Growth stage<\/td><\/tr><tr><td><strong>Tarun<\/strong><\/td><td>\u20b95 lakh \u2013 \u20b910 lakh<\/td><td>For well-established enterprises aiming to scale up operations<\/td><td>Established stage<\/td><\/tr><tr><td><strong>Tarun Plus<\/strong> <em>(New Category \u2013 2024)<\/em><\/td><td>\u20b910 lakh \u2013 \u20b920 lakh<\/td><td>For enterprises that have successfully repaid Tarun loans and seek higher capital<\/td><td>Advanced stage<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-can-apply-for-mudra-loans\"><span class=\"ez-toc-section\" id=\"Who_can_Apply_for_MUDRA_Loans\"><\/span>Who can Apply for MUDRA Loans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>eligibility criteria<\/strong> under PMMY are broad to ensure inclusion.<br>Any <strong>Indian citizen<\/strong> engaged in income-generating non-farm activities can apply. This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Small business owners<\/li>\n\n\n\n<li>Shopkeepers and traders<\/li>\n\n\n\n<li>Artisans and craftsmen<\/li>\n\n\n\n<li>Food processors and small-scale manufacturers<\/li>\n\n\n\n<li>Service providers such as transport operators, repair shops, or salons<\/li>\n\n\n\n<li>Agriculture-allied businesses, such as dairy, poultry, and fisheries<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-eligible-borrower-types\"><strong>Eligible Borrower Types<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Individuals<\/li>\n\n\n\n<li>Proprietorship firms<\/li>\n\n\n\n<li>Partnership firms<\/li>\n\n\n\n<li>Private and Public Limited Companies<\/li>\n\n\n\n<li>Other legally registered entities<\/li>\n<\/ul>\n\n\n\n<p>Applicants must have a <strong>viable business plan<\/strong> demonstrating the intended use of funds for income generation.<\/p>\n\n\n\n<p><strong>Get ready to crack government job exams with leading educators<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/courses\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Enroll in Online Live Classes Today!<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-mudra-card\"><span class=\"ez-toc-section\" id=\"What_is_a_MUDRA_Card\"><\/span>What is a MUDRA Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>MUDRA Card<\/strong> is a <strong>RuPay debit card<\/strong> issued to borrowers after loan approval. It allows easy access to working capital and digital transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-features-of-mudra-card\"><strong>Key Features of MUDRA Card<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Functions like an ATM-cum-debit card.<\/li>\n\n\n\n<li>Enables <strong>cash withdrawal<\/strong> and <strong>Point of Sale (POS)<\/strong> transactions.<\/li>\n\n\n\n<li>Comes with an <strong>overdraft facility<\/strong>, allowing flexible repayment based on business income.<\/li>\n\n\n\n<li>Promotes <strong>cashless business operations<\/strong>, aligning with the Digital India initiative.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-key-features-of-the-pmmy-scheme\"><span class=\"ez-toc-section\" id=\"What_are_the_Key_Features_of_the_PMMY_Scheme\"><\/span>What are the Key Features of the PMMY Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Pradhan Mantri Mudra Yojana stands out due to several unique and beneficial features:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Collateral-Free Loans:<\/strong> No security or guarantor is required.<\/li>\n\n\n\n<li><strong>Low Interest Rates:<\/strong> Interest is linked to the <strong>Marginal Cost of Lending Rate (MCLR)<\/strong> as per RBI guidelines.<\/li>\n\n\n\n<li><strong>No Processing Fees:<\/strong> Especially for Shishu category loans.<\/li>\n\n\n\n<li><strong>Credit Guarantee Coverage:<\/strong> Provided under the <strong>CGFMU<\/strong> to protect lenders.<\/li>\n\n\n\n<li><strong>No Minimum Loan Limit:<\/strong> Entrepreneurs can borrow even small amounts.<\/li>\n\n\n\n<li><strong>Inclusive Financing:<\/strong> Prioritizes women, SC\/ST, OBC, and minority entrepreneurs.<\/li>\n\n\n\n<li><strong>Digital Integration:<\/strong> Online application and disbursal mechanisms through portals and mobile apps.<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/test-series\/?ref=contac-ai\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt a free mock test Now!<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-steps-have-been-taken-to-improve-scheme-implementation\"><span class=\"ez-toc-section\" id=\"What_Steps_have_been_Taken_to_Improve_Scheme_Implementation\"><\/span>What Steps have been Taken to Improve Scheme Implementation?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Over the years, several initiatives have been introduced to enhance efficiency and reach of PMMY:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online Application Platforms<\/strong> like <strong>Udyamimitra<\/strong> and <strong>PSB Loans in 59 Minutes<\/strong> simplify loan processing.<\/li>\n\n\n\n<li><strong>MUDRA Mitra App<\/strong> provides information and helps applicants find suitable lenders.<\/li>\n\n\n\n<li><strong>Simplified Forms:<\/strong> Reduced documentation and streamlined procedures.<\/li>\n\n\n\n<li><strong>Nodal Officers:<\/strong> Dedicated officers in banks to monitor PMMY operations.<\/li>\n\n\n\n<li><strong>Interest Subvention:<\/strong> A 2% interest rebate for prompt repayment of Shishu loans.<\/li>\n\n\n\n<li><strong>Public Awareness Campaigns:<\/strong> Nationwide initiatives to promote the scheme among rural entrepreneurs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-achievements-of-the-pmmy-scheme\"><span class=\"ez-toc-section\" id=\"What_are_the_Achievements_of_the_PMMY_Scheme\"><\/span>What are the Achievements of the PMMY Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As of 2025, PMMY has become one of the most successful government financial inclusion programs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Over 52 crore loans sanctioned, worth \u20b932.61 lakh crore since inception.<\/li>\n\n\n\n<li>Average loan size increased from \u20b938,000 in FY16 to \u20b91.02 lakh in FY25.<\/li>\n\n\n\n<li>68% of beneficiaries are women, promoting gender equality.<\/li>\n\n\n\n<li>51% of loans have gone to SC\/ST\/OBC entrepreneurs.<\/li>\n\n\n\n<li>Shishu loans dominate, supporting first-time entrepreneurs.<\/li>\n\n\n\n<li>NPA rate reduced from 4.77% in FY21 to 3.4% in FY24.<\/li>\n\n\n\n<li>Top-performing states: Tamil Nadu, Uttar Pradesh, Karnataka, West Bengal, Bihar, and Maharashtra.<\/li>\n<\/ul>\n\n\n\n<p>This scheme has led to the creation of over 8 crore new entrepreneurs, significantly contributing to India\u2019s MSME ecosystem and job creation.<\/p>\n\n\n\n<p><strong>Also Check: <a href=\"https:\/\/www.oliveboard.in\/blog\/government-schemes\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">List of Government Schemes of India<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-future-vision-mudra-2-0\"><span class=\"ez-toc-section\" id=\"What_is_the_Future_Vision_MUDRA_20\"><\/span>What is the Future Vision MUDRA 2.0?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Building on the success of MUDRA 1.0, the government envisions <strong>MUDRA 2.0<\/strong>, with the following enhancements:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Expanded Scope:<\/strong> Wider outreach, especially in rural and aspirational districts.<\/li>\n\n\n\n<li><strong>Enhanced Credit Guarantee:<\/strong> A stronger <strong>Enhanced Credit Guarantee Scheme (ECGS)<\/strong> to minimize lender risk.<\/li>\n\n\n\n<li><strong>Financial Literacy Programs:<\/strong> Promoting budgeting, credit management, and digital literacy.<\/li>\n\n\n\n<li><strong>Mentorship and Support:<\/strong> Providing guidance and market linkage to entrepreneurs.<\/li>\n\n\n\n<li><strong>Monitoring &amp; Evaluation:<\/strong> Real-time tracking of loan disbursement, utilization, and repayment through digital dashboards.<\/li>\n\n\n\n<li><strong>Impact Assessment:<\/strong> Regular socio-economic evaluations to assess the scheme\u2019s effectiveness.<\/li>\n<\/ol>\n\n\n\n<p>MUDRA 2.0 aims to strengthen the entrepreneurial ecosystem and support India\u2019s transition to a self-reliant, employment-driven economy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-has-pmmy-impacted-india-s-economy\"><span class=\"ez-toc-section\" id=\"How_has_PMMY_Impacted_Indias_Economy\"><\/span>How has PMMY Impacted India\u2019s Economy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The PMMY has had a <strong>transformative impact<\/strong> on India\u2019s micro-enterprise landscape:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empowered marginalized communities through easy credit access.<\/li>\n\n\n\n<li>Boosted rural self-employment, reducing migration to cities.<\/li>\n\n\n\n<li>Strengthened the MSME sector, which is a major contributor to GDP and job creation.<\/li>\n\n\n\n<li>Encouraged women entrepreneurship, contributing to inclusive growth.<\/li>\n\n\n\n<li>Formalized informal businesses, expanding the taxpayer base.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/previous-year-papers\/?ref=contac-ai\" target=\"_blank\" rel=\"noreferrer noopener\">Solve Free Previous Year Papers Today<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\"><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span>Key Takeaways<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td><strong>Scheme Name<\/strong><\/td><td>Pradhan Mantri Mudra Yojana (PMMY)<\/td><\/tr><tr><td><strong>Launch Year<\/strong><\/td><td>2015<\/td><\/tr><tr><td><strong>Launched By<\/strong><\/td><td>Prime Minister Narendra Modi<\/td><\/tr><tr><td><strong>Implementing Body<\/strong><\/td><td>Ministry of Finance<\/td><\/tr><tr><td><strong>Nodal Institution<\/strong><\/td><td>MUDRA Ltd. (Subsidiary of SIDBI)<\/td><\/tr><tr><td><strong>Loan Limit<\/strong><\/td><td>Up to \u20b920 lakh (with Tarun Plus)<\/td><\/tr><tr><td><strong>Loan Categories<\/strong><\/td><td>Shishu, Kishore, Tarun, Tarun Plus<\/td><\/tr><tr><td><strong>Eligible Beneficiaries<\/strong><\/td><td>Small and micro enterprises in non-farm sectors<\/td><\/tr><tr><td><strong>Collateral Requirement<\/strong><\/td><td>None<\/td><\/tr><tr><td><strong>Credit Guarantee<\/strong><\/td><td>CGFMU<\/td><\/tr><tr><td><strong>Major Beneficiaries<\/strong><\/td><td>Women, SC\/ST\/OBC, Small Traders<\/td><\/tr><tr><td><strong>Loan Disbursed (till 2025)<\/strong><\/td><td>\u20b932.61 lakh crore<\/td><\/tr><tr><td><strong>Primary Objective<\/strong><\/td><td>Funding the unfunded and promoting entrepreneurship<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-questions-based-on-pmmy\"><span class=\"ez-toc-section\" id=\"Questions_Based_on_PMMY\"><\/span>Questions Based on PMMY<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>When was the Pradhan Mantri Mudra Yojana launched?<\/strong><br>a) 2014<br>b) 2015<br>c) 2016<br>d) 2017<br>e) 2018<\/li>\n\n\n\n<li><strong>What is the full form of MUDRA?<\/strong><br>a) Micro Units Development and Refinance Agency <br>b) Micro Urban Development and Rural Agency<br>c) Mutual Development and Refinance Agency<br>d) Managed Unit for Development and Refinance<br>e) None of the above<\/li>\n\n\n\n<li><strong>Which institution manages MUDRA Ltd.?<\/strong><br>a) NABARD<br>b) RBI<br>c) SIDBI <br>d) NITI Aayog<br>e) Ministry of MSME<\/li>\n\n\n\n<li><strong>What is the loan limit under the Shishu category?<\/strong><br>a) \u20b910,000<br>b) \u20b925,000<br>c) \u20b950,000 <br>d) \u20b975,000<br>e) \u20b91 lakh<\/li>\n\n\n\n<li><strong>The newly introduced \u2018Tarun Plus\u2019 category offers loans up to:<\/strong><br>a) \u20b910 lakh<br>b) \u20b915 lakh<br>c) \u20b920 lakh <br>d) \u20b925 lakh<br>e) \u20b930 lakh<\/li>\n\n\n\n<li><strong>What is the interest subvention for prompt repayment of Shishu loans?<\/strong><br>a) 1%<br>b) 2% <br>c) 3%<br>d) 4%<br>e) None<\/li>\n\n\n\n<li><strong>What is the main objective of PMMY?<\/strong><br>a) Subsidizing large industries<br>b) Providing housing loans<br>c) Funding the unfunded <br>d) Financing agriculture only<br>e) Reducing imports<\/li>\n\n\n\n<li><strong>Which of the following is NOT a feature of PMMY?<\/strong><br>a) Collateral-free loans<br>b) Loans up to \u20b920 lakh<br>c) Loans to micro enterprises<br>d) Mandatory collateral security <br>e) Credit Guarantee under CGFMU<\/li>\n\n\n\n<li><strong>What percentage of PMMY loan accounts are held by women?<\/strong><br>a) 50%<br>b) 55%<br>c) 60%<br>d) 68\u201369% <br>e) 70%<\/li>\n\n\n\n<li><strong>Which states have received the highest Mudra loan disbursements?<\/strong><br>a) Delhi and Punjab<br>b) Gujarat and Odisha<br>c) Tamil Nadu, UP, Karnataka, West Bengal, Bihar, Maharashtra<br>d) Rajasthan and Assam<br>e) Kerala and Haryana<\/li>\n<\/ol>\n\n\n\n<p><strong>Also Read:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Government Schemes<\/strong><\/td><td><strong>Government Schemes<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/one-nation-one-subscription-onos\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">One Nation One Subscription<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Ayushman Bharat Scheme<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/aatmanirbharta-in-pulses\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Aatmanirbharta in Pulses<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/national-broadband-mission-2-0\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">National Broadband Mission 2.0<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/pm-dhan-dhaanya-krishi-yojana-pmddky\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Pradhan Mantri Dhan Krishi Yojana<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/stand-up-india-scheme\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Stand Up India Scheme<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/gst-2-0\/?ref=contc-aib\" target=\"_blank\" rel=\"noreferrer noopener\">All About GST 2.0<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/green-credit-program-earn-rewards-for-a-greener-world\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">National Green Credit Programme<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-answer-key\">Answer Key:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Question No.<\/strong><\/td><td><strong>Correct Answer<\/strong><\/td><\/tr><tr><td>1<\/td><td>2015<\/td><\/tr><tr><td>2<\/td><td>Micro Units Development and Refinance Agency<\/td><\/tr><tr><td>3<\/td><td>SIDBI<\/td><\/tr><tr><td>4<\/td><td>\u20b950,000<\/td><\/tr><tr><td>5<\/td><td>\u20b920 lakh<\/td><\/tr><tr><td>6<\/td><td>2%<\/td><\/tr><tr><td>7<\/td><td>Funding the unfunded<\/td><\/tr><tr><td>8<\/td><td>Mandatory collateral security<\/td><\/tr><tr><td>9<\/td><td>68\u201369%<\/td><\/tr><tr><td>10<\/td><td>Tamil Nadu, UP, Karnataka, West Bengal, Bihar, Maharashtra<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/how-to-clear-multiple-government-exams\/\">How Some Aspirants Clear Multiple Government Exams: Strategy, Discipline &amp; Exam Psychology<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/crop-diversification-program\/\">Crop Diversification Program, Transforming Indian Agriculture<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/important-government-schemes-nabard-grade-a\/\">Government Schemes for NABARD Grade A 2026<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/national-dairy-plan-phase-1-phase-2\/\">National Dairy Plan Phase 1 and Phase 2, Boosting India\u2019s Dairy Sector<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/mera-gaon-mera-gaurav-scheme\/\">Mera Gaon Mera Gaurav Scheme, Bridging Lab to Land<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/farmers-first-initiative\/\">Farmers First Initiative, Empowering Farmers Through Innovation<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme launched by the Government of India on 8th April 2015,<\/p>\n","protected":false},"author":52,"featured_media":230163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14458,11544],"tags":[826,14842,14840,14839,14841],"class_list":["post-176194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-scheme","category-static-gk","tag-government-schemes","tag-pmmy","tag-pradhan-mantri-mudra-yojana","tag-pradhan-mantri-mudra-yojana-2024","tag-14841","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pradhan Mantri Mudra Yojana, 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