Shishu, Kishore, Tarun – Eligibility, Interest Rate & Online Apply
State Bank of India (SBI) Mudra Loan 2026 is offered under Pradhan Mantri Mudra Yojana (PMMY) to support small businesses, startups, दुकानदार, और self-employed लोगों को बिना गारंटी (Collateral-Free) loan मिलता है।
📌 Mudra Loan क्या है?
- Government backed loan scheme
- Non-corporate, non-farm sector के लिए
- Small business / startup के लिए
- ₹50,000 से ₹10 लाख तक (कुछ मामलों में विस्तार)
💰 Loan Categories (Shishu, Kishore, Tarun)
| Category | Loan Amount | किसके लिए |
|---|---|---|
| 🟢 Shishu | ₹50,000 तक | नया business |
| 🔵 Kishore | ₹50,000 – ₹5 लाख | growing business |
| 🔴 Tarun | ₹5 लाख – ₹10 लाख | established business |
💸 SBI Mudra Loan Interest Rate 2026
- लगभग 8.40% – 10.50% p.a. (profile पर depend)
- Final rate depend करता है:
✔ CIBIL score
✔ business type
✔ loan amount
👉 SBI competitive rates offer करता है compared to private banks
⏳ Loan Tenure
- Maximum tenure: 5 – 7 साल तक
- EMI flexible options available
🎯 Eligibility Criteria
SBI Mudra Loan के लिए:
✅ भारतीय नागरिक
✅ Non-farm business (shop, service, manufacturing)
✅ Individual / Proprietor / Partnership / MSME
✅ Bank defaulter नहीं होना चाहिए
✅ Basic business plan होना चाहिए
📄 Required Documents
- Aadhaar Card
- PAN Card
- Address Proof
- Business proof / plan
- Bank statement
- Photo
- GST / Shop Act (if applicable)
🖥️ SBI Mudra Loan Online Apply कैसे करें?
🌐 Apply Options
👉 SBI Official Website
👉 PMMY Portal
👉 Nearest SBI Branch
📌 Step-by-Step Apply Process
1️⃣ SBI website पर जाएँ
2️⃣ “MSME / Mudra Loan” section खोलें
3️⃣ Shishu / Kishore / Tarun select करें
4️⃣ Online form भरें
5️⃣ Documents upload करें
6️⃣ Submit करें
7️⃣ Bank verification के बाद approval
👉 e-Mudra Loan (₹50,000 तक) SBI में online process available है
📝 Mudra Loan Application Form
- SBI website पर online form
- Branch से offline form भी मिल सकता है
- PMMY portal से भी apply कर सकते हैं
🚀 Key Benefits
✔ Collateral-free loan
✔ Quick approval for small business
✔ महिलाओं के लिए special benefits
✔ Government backed scheme
✔ Low interest compared to NBFC
❓ FAQs
❓ क्या SBI Mudra Loan में गारंटी लगती है?
➡ नहीं, यह बिना गारंटी loan है
❓ कितना loan मिल सकता है?
➡ ₹50,000 से ₹10 लाख तक
❓ Interest कितना है?
➡ लगभग 8.4% से शुरू