Access collateral-free institutional business loans across Shishu (up to ₹50,000), Kishore (₹50k–₹5L), Tarun (₹5L–₹10L), and the enhanced Tarun Plus (up to ₹20L) backed by Credit Guarantee Fund for Micro Units (CGFMU).
We match your business stage to the correct Mudra category, structure bankable project profiles, and accelerate sanction through scheduled partner banks.
Review statutory limits, promoter margins, guarantee coverage, and repayment tenures across all 4 Mudra credit categories.
| Loan Category | Sanction Limit | Margin Money | Security / Collateral | Credit Guarantee | Repayment Period |
|---|---|---|---|---|---|
|
Shishu Category
Nascent entrepreneurs & seed stage micro units
|
Up to ₹50,000 | Nil (0% Margin) | Nil (Hypothecation Only) | 100% CGFMU | Up to 5 Years |
|
Kishore Category
Operating units scaling light machinery & inventory
|
₹50,001 to ₹5 Lakhs | Up to 10% | Nil (No Third-Party) | 75% CGFMU | Up to 5 Years |
|
Tarun Category
Established units expanding commercial footprint
|
₹5,00,001 to ₹10 Lakhs | Up to 15% | Nil (No Immovable Security) | 75% CGFMU | 5 to 7 Years |
|
Tarun Plus (Enhanced)
Union Budget 2024-25 tier for repeat Tarun borrowers
|
₹10,00,001 to ₹20 Lakhs | Up to 15% | Nil (Purely Non-Collateral) | 75% CGFMU | Up to 7 Years |
Tailored funding stages designed to support you from startup inception to commercial maturity.
Designed for first-generation micro-entrepreneurs, self-employed artisans, tailoring shops, and roadside retail vendors needing initial seed capital.
For active businesses looking to procure light plant machinery, raw material inventory, office computers, or hire supplementary staff.
Ideal for well-established micro enterprises acquiring CNC lathes, packaging lines, setting up distribution outlets, or industrial vehicles.
Enhanced sovereign credit tier announced in Union Budget 2024-25 for enterprises that have successfully availed and repaid previous loans under Tarun.
Mudra loans are sanctioned for income-generating non-farm micro enterprises across the following core economic sectors.
Apparel & garment tailoring, power looms, bakery products, paper cups, bio-degradable packaging, precision fabrication, woodcraft, and auto-spares.
Grocery & departmental stores, pharmacy shops, consumer electronics, apparel boutiques, mobile accessories, and hardware distribution counters.
Purchase of commercial auto-rickshaws, e-rickshaws, small cargo delivery vans, passenger taxis, agricultural transport tractors, and 3-wheelers.
Salons & beauty wellness studios, fitness gyms, coaching academies, equipment repair workshops, diagnostic clinics, laundry, and photo studios.
Dairy farming, poultry farming, pisciculture (fisheries), beekeeping, agro-processing, cold storage micro-units, and grading/sorting centres.
Seamless working capital withdrawals via RuPay debit card at any domestic ATM, point-of-sale terminal, or online vendor checkout.
Avoid common bank rejections caused by unvetted project reports, incorrect category filings, or missing MSME linkages.
We evaluate your capital needs, business vintage, turnover profile, and past banking records to lock into the right Mudra tier (Shishu, Kishore, Tarun, Tarun Plus).
We assemble a comprehensive project profile with verified machinery proforma invoices, working capital estimates, and Udyam registration certificates.
We lodge the application on official Udyammitra and JanSamarth platforms, routing the dossier to proactive public/private partner bank branches.
We follow through unit inspection, documentation signing, loan disbursal, and ensure your RuPay Mudra Overdraft card is successfully issued.
Statutory qualification parameters for non-corporate micro and small business borrowers.
How REXERA coordinates bank tier diagnosis, JanSamarth digital filing, and credit delivery.
Ensure your file is complete prior to bank submission to expedite appraisal without delay.
Aadhaar Card, PAN Card of Promoters/Proprietor, proof of business address (Utility Bill), passport photographs, and Caste Certificate (for concessions).
Udyam MSME Certificate, Shop & Establishment License / Gumastadhara, Partnership Deed / MOA-AOA, and GST Registration with recent returns.
Past 6 to 12 months bank statements, last 2 years ITR with computation schedules (for Kishore & Tarun), and 1-year projected revenue forecast.
Signed proforma invoices from machinery OEMs, vehicle proforma invoice (for transport operators), and premises lease deed or property tax bill.
Essential guidelines regarding loan categories, interest rates, Tarun Plus enhancements, and collateral exemption.
Mudra loans are divided into four tiers based on business growth stage:
No. By statutory mandate of the Government of India and RBI, all loans under PMMY are 100% collateral-free. Banks cannot demand residential or commercial property as collateral security. The loans are backed by the Credit Guarantee Fund for Micro Units (CGFMU) managed by NCGTC.
The Mudra Card is a dedicated RuPay Debit Card issued for the working capital cash credit component. It allows borrowers to withdraw business liquidity in multiple drawdowns from any ATM or point-of-sale machine, with interest charged only on the exact amount utilized.
Yes. New individual proprietors, home-based artisans, shopkeepers, service professionals, and trading units can apply under the Shishu or Kishore categories with minimal documentation and basic Udyam registration.
REXERA audits your financial records, drafts a credit-compliant project report with machine quotations, files the application through JanSamarth/Udyammitra portals, and liaises with branch managers across 80+ partner commercial banks to ensure speedy approval without unnecessary red tape.
Get your Mudra loan proposal professionally structured by REXERA financial analysts for expedited bank approval.
Unsecured collateral-free business loans up to ₹20 Lakhs.
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