Mudra Tarun Plus loan ka naam suna hai? Agar aapne pehle Mudra se business loan liya tha aur use imandari se chuka diya, to sarkar ne aapke liye agla darwaza khol diya hai — ₹20 lakh tak ka loan, bina kuch girvi rakhe. Yeh koi nayi “free money” scheme nahi hai; yeh un udyamiyon ke liye inaam jaisa hai jinhone chhota loan lekar apna bharosa banaya.
PMMY (Pradhan Mantri Mudra Yojana) 8 April 2015 ko shuru hui thi. Isme loan 4 seedhiyon me milta hai — Shishu, Kishor, Tarun, aur sabse upar Tarun Plus. Aaj hum isi sabse upar wali seedhi ki poori baat karenge: kaun chadh sakta hai, kya kagaz lagenge, aur apply kaise hota hai.
4 Categories: Kaunsi Seedhi Kahan Tak
| Category | Loan rakam | Kiske liye |
|---|---|---|
| Shishu | ₹50,000 tak | Naya chhota business shuru karne walo ke liye |
| Kishor | ₹50,001 – ₹5 lakh | Business thoda badhane ke liye |
| Tarun | ₹5 lakh – ₹10 lakh | Jam chuke business ke vistaar ke liye |
| Tarun Plus | ₹10 lakh – ₹20 lakh | Tarun loan safaltapurvak chukaane walon ke liye |
Tarun Plus 24 October 2024 se lagu hua — aur iski sabse khaas shart yahi hai: yeh unhi ko milta hai jinhone Tarun category ka loan liya aur use safaltapurvak chukaya ho. Matlab yeh pehla loan nahi, doosra bada kadam hai.
Bina Girvi Ka Sach: CGFMU Guarantee Kya Hai
“₹20 lakh bina girvi” sunkar kai logon ko yakeen nahi hota — lagta hai koi shart chhupi hogi. Asal me Tarun Plus loan collateral-free hai aur CGFMU (Credit Guarantee Fund for Micro Units) ki guarantee ke tehat cover hota hai. Matlab bank ko sarkari guarantee milti hai, isliye woh aapse zameen/makaan girvi nahi maangta.
Lekin ek baat bilkul saaf samajh lein: bina girvi ka matlab bina zimmedari nahi. Loan chukana hi hoga — default kiya to CIBIL kharab hoga aur aage koi sarkari loan nahi milega. Guarantee bank ki suraksha hai, aapki chhoot nahi.
Eligibility: Kaun Apply Kar Sakta Hai
- Aapne pehle Tarun category ka Mudra loan liya ho aur use poora chukaya ho (track record saaf hona chahiye).
- Business non-farm micro/small enterprise ho — manufacturing, trading, ya service (kheti-badi ke liye nahi).
- Business chal raha ho aur vistaar ki asal zaroorat ho — naya business shuru karne ke liye Tarun Plus nahi, Shishu/Kishor hai.
- Loan SCBs (banks), NBFCs ya MFIs ke through milta hai — byaj dar bank ke hisaab se alag (sanketik roop se ~8.85%–16% tak, bank par nirbhar).
Documents Aur Apply Ka Tareeka
Aam taur par lagne wale kagaz: PAN, Aadhaar, pichhle Tarun loan ke repayment ka proof/bank statement, business address proof, business registration/Udyam (agar hai), pichhle 6-12 mahine ka bank statement, aur business plan/quotation (paise kahan lagenge).
Apply kaise karein:
- udyamimitra.in ya jansamarth.in par online apply karein, ya
- Apne bank ki branch me jakar Mudra Tarun Plus ke liye application dein.
- Bank aapka pichhla repayment record aur business ki sthiti dekhega — approval guaranteed nahi hai, bank apna assessment karta hai.
February 2026 tak ka scorecard: PMMY ke tehat ab tak 57.79 crore loans me ₹40.07 lakh crore baante ja chuke hain — jinme lagbhag 67% loans mahila borrowers ko mile (PIB, 14 Mar 2026).
Aam Galtiyan: Inse Bachein
- Tarun Plus ko pehla loan samajhna — bina Tarun loan chukaye iske liye apply karna bekaar hai. Seedhi ek-ek karke chadhni hoti hai.
- Agent ko paise dena — Mudra loan ke liye koi fee/agent nahi hota. Paise maangne wala dhokhebaaz hai.
- Bina business plan ke apply karna — “₹20 lakh chahiye” kehna kaafi nahi; bank poochhega paisa kahan lagega. Quotation aur hisaab taiyar rakhein.
- “Sarkari loan = maaf ho jayega” sochna — Mudra loan maafi yojana nahi hai. Chukana hi padta hai, warna CIBIL kharab.
- Byaj dar assume kar lena — har bank ki dar alag hai. Apply se pehle 2-3 bankon se poochh lein.
Aur padhein: PM Vishwakarma Yojana Loan aur Stand-Up India Yojana 2026 — doosri sarkari loan yojanayein.
FAQs
Tarun Plus me zyada se zyada kitna loan milta hai?
₹20 lakh tak — aur yeh poori tarah collateral-free (bina girvi) hai, CGFMU guarantee ke saath.
Kya bina Tarun loan chukaye Tarun Plus mil sakta hai?
Nahi. Tarun Plus ki buniyadi shart hi yeh hai ki aapne Tarun category ka loan liya aur safaltapurvak chukaya ho.
Byaj dar kitni hai?
Fixed nahi hai — bank/NBFC ke hisaab se alag hoti hai (sanketik roop se ~8.85%–16% tak). Apply se pehle bank se likhit me poochh lein.
Kya mahilayein apply kar sakti hain?
Bilkul. PMMY me lagbhag 67% loans mahila borrowers ko mile hain — yojana sabke liye hai.
Online apply kahan karein?
udyamimitra.in ya jansamarth.in par, ya apne bank ki branch me. Koi bhi “agent fee” na dein — apply free hai.
Yeh sirf jaankari hai, financial advice nahi hai. Loan lene se pehle byaj dar, shartein aur apni chukane ki kshamta samajh lein.
Sources: mudra.org.in; PIB PRID 2240159 (14 Mar 2026, MSME Ministry); udyamimitra.in; jansamarth.in.