How to Apply for a Mudra Loan Online: Step-by-Step Process

Looking to apply for a Mudra Loan online to start or expand your business in 2026? Applicants can apply for Mudra loans via both online and offline modes. It can be availed by individuals, MSMEs, self-employed professionals, and other business entities to support the growth and expansion of their businesses.

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Apply for a Mudra Loan Online

Follow a Step-by-Step Application Process

Know Which Documents You Need

Prepare your Paperwork before Applying

Understand Mudra Loan Categories

Choose the Category that matches your Funding Needs

Wide Choice

Curated offers from 30+ Lenders

Apply for a Mudra Loan Online

Follow a Step-by-Step Application Process

Know Which Documents You Need

Prepare your Paperwork before Applying

Understand Mudra Loan Categories

Choose the Category that matches your Funding Needs

Wide Choice

Curated offers from 30+ Lenders

Quick Links

How to apply online?

Documents Required

Know about the scheme

When to apply

What is the PM Mudra Loan Scheme?

Pradhan Mantri Mudra Yojana is a Govt. initiated collateral-free business loan scheme offering Mudra loans up to Rs. 20 lakh with a repayment tenure of up to 5 years. Mudra stands for Micro Units Development & Refinance Agency Ltd., a financial institution set up to offer loans to micro enterprises through banks / MFIs / NBFCs. The Mudra loans are divided into 4 categories, namely:

SHISHU Loan Scheme: Loans up to Rs. 50,000 (For start-ups and new businesses)
KISHOR Loan Scheme: Loans from Rs. 50,001 to Rs. 5 lakh (For buying equipment/machinery, raw materials, the business expansion for existing enterprises)
TARUN Loan Scheme: Loans from Rs. 5 lakh to Rs. 10 lakh (For established businesses and enterprises)
TARUN Plus: Loans above Rs. 10 lakh to Rs. 20 lakh (Only for those entrepreneurs who have successfully closed previous loans under the 'Tarun' category)

Mudra Loan Online Application Process

Check Eligibility: Provide details related to your business and requirements to get the best suitable scheme
Apply Online: Enter basic details and upload documents as required
Get Digital Approval: Steps to get digital approval:
- Start with KYC verification
- Verify your details first to continue
- Enter your basic & loan details
- After KYC verification, fill in your basic and loan details
- Select the branch of the concerned bank
- Select your concerned bank and branch details
- Get instant digital approval
Track your application: Check the real-time status of your application at your convenience

Suggested Read : Business Loan Apply Online

How Can You Apply for a Mudra Loan Online in 2026?

By following the steps below, you can apply for a Mudra Loan online through government portals like JanSamarth or directly through participating banks.

Mudra Loan Apply Through JanSamarth Portal

For the ease of understanding of the users, the steps are divided into 7 parts in a chronological order:

Part 1: Complete Process to Apply for a Mudra Loan on the JanSamarth Portal

Visit the Jansamarth portal
Scroll down and click on "Check Eligibility" under Business Activity Loans
Begin the eligibility check by selecting your business category from the list provided
Fill in additional details and click on "Calculate Eligibility"
A page showing eligible schemes along with the eligible loan amount will be displayed
Select the Mudra Loan offer and click "Login to Apply"

Part 2: Registration and Login

Enter your mobile number and verify it using the OTP to register
Provide consent, enter your email address and verify it via OTP
Set your password and proceed

Part 3: Accessing the Eligible Loan Offers

You will be redirected to the eligible loan offers under the Mudra Loan scheme
Click Proceed, review the loan details you filled earlier, and continue

Part 4: Document Preparation and Verification

A page listing all the required documents will appear. Keep them ready

Provide consent and click next
Identity verification will begin:
- Upload PAN details
- Verify identity using Aadhaar*

Part 5: Providing Business and Financial Information

Enter your sales details, including:
- GST details
- Monthly sales for the last 12 months
Fill in your income details, business details, and financial details
Add and verify your bank account details
Enter additional business details
Provide your business loan requirements
Enter details of any existing loans (if applicable)

Part 6: Uploading Documents

Upload the required documents, such as:
- KYC documents
- Udyam Registration Certificate
- Caste Certificate (if applicable)
- Any other required documents

Part 7: Final Submission and Offer Selection

Submit your application
After submission, a page will display Mudra Loan offers from various banks along with their interest rates
Compare the offers and select the one that best suits your needs
Choose the branch of the selected bank and complete the process

Mudra Loan Important Guide
Mudra Loan - Pradhan Mantri Mudra Yojana	Mudra Loan Eligibility
Mudra Loan EMI Calculator	Mudra Loan Interest Calculator
Mudra Loan Interest Rates	Mudra Loan Application Form
Mudra Loan Documents	Mudra Loan Subsidy
Mudra Loan Project Report

How to Apply for Mudra Loan Directly Through Banks or Offline?

Step 1. Visit a nearby branch of a bank or MFI offering MUDRA loans
Step 2. Ask for a Mudra loan application form at the bank or download it from the lender's official website
Step 3. Fill in the form accurately by entering your business, personal, and professional details
Step 4. Attached all the required documents mentioned
Step 5. Submit the completed form along with the documents to the lender
Step 6. Upon submission, your application will be reviewed, and documents will be verified by the lender
Step 7. Once approved, the loan amount will be disbursed into your bank account

Bank wise Mudra Loans
SBI Mudra Loan	Bank of Baroda Mudra Loan
Bank of India Mudra Loan	Corporation Bank Mudra Loan
Vijaya Bank Mudra Loan	Andhra Bank Mudra Loan
Central Bank of India Mudra Loan	Kotak Mahindra Bank Mudra loan
Oriental Bank of Commerce Mudra Loan	Union Bank Mudra Loan
HDFC Bank Mudra Loan	Indian Overseas Bank Mudra Loan
Axis Bank Mudra Loan	Indian Bank Mudra Loan
Canara Bank Mudra Loan	UCO Bank Mudra Loan
Federal Bank Mudra Loan	IndusInd Bank Mudra Loan
Yes Bank Mudra Loan	ICICI Bank Mudra Loan
Bank of Maharashtra Mudra Loan	Punjab National Bank Mudra Loan
United Bank of India Mudra Loan	IDBI Bank Mudra Loan
Saraswat Bank Mudra Loan	Allahabad Bank Mudra Loan

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Eligibility Criteria for PM Mudra Loan

Eligible Criteria for applying for a Mudra Loan:

Individuals
Proprietary Concern
Partnership Firm
Private Limited Company
Public Company
Entities of any other legal form

Documents Required for Mudra Loan Application

Below are the mentioned list of documents required for applying for a Mudra Loan:

Identity proof
Address proof
Recent passport-size photograph
Applicant’s signature
Identity or address documentation for the business entity

Mudra Loan Amount Categories

Category	Amount
Shishu	Loans up to Rs. 50,000
Kishor	Loans from Rs. 50,001 to Rs. 5 lakh
Tarun	Loans from Rs. 5 lakh to Rs. 10 lakh
Tarun Plus	Loans above Rs. 10 lakh to Rs. 20 lakh (only for entrepreneurs who have successfully repaid previous loans under the Tarun category)

Choose Business Loans of Your Choice
5 Lakh Business Loan	10 Lakh Business Loan
20 Lakh Business Loan	30 Lakh Business Loan
40 Lakh Business Loan	50 Lakh Business Loan

How to Get a Mudra Loan Easily?

To get a Mudra loan easily, applicants can follow the tips mentioned below:

Choose the right loan: Of the four categories, choose and apply for the loan that best fits your business needs
Prepare your documents in advance: Keep your documents updated and error-free to improve your approval chances
Clearly state your business purpose and project: Explain how the loan amount will be used, as this helps build lender confidence
Maintain a healthy banking record: Maintain stable cash flow and regular transactions in your bank account to demonstrate financial discipline

Read in Hindi : मुद्रा लोन के लिए ऑनलाइन अप्लाई कैसे करें?

Check Government Backed Business Loans
MSME Loan	PMEGP Loan
PM Vishwakarma Yojana	UYEGP Loan
PMRY Loan	Mahila Samridhi Yojana
PMKVY Loan	CLCSS Scheme
CGTMSE Scheme	PM Vishwakarma Yojana
Udyam Registration	Udyogini Scheme

Last Updated : 12 October 2026

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