Mudra Loan Status Check 2026: Shishu, Kishore, Tarun and Tarun Plus

Reviewed on: 2026-06-19.

Pradhan Mantri Mudra Yojana was launched on 8 April 2015 to provide loans to non-corporate, non-farm small and micro enterprises. Commercial banks, regional rural banks (RRBs), small finance banks, microfinance institutions (MFIs), and NBFCs all participate as member lending institutions.

The borrower applies either at a participating bank branch, through udyamimitra.in, or through jansamarth.in (the government's multi-scheme credit portal). MUDRA, a subsidiary of SIDBI, provides refinance support and sets the product framework.

The scheme covers small manufacturing, trading, service, and allied agricultural activities such as poultry, beekeeping, and fisheries. It is aimed at first-generation entrepreneurs and existing small-business owners.

MUDRA divides PMMY loans into four categories that reflect the growth stage of the borrower. The ceilings below are as published on mudra.org.in/Offerings.

Tarun Plus eligibility note: Tarun Plus is not open to first-time applicants. You must have availed a loan under the Tarun category and successfully repaid it before you can apply for Tarun Plus. This is confirmed on the MUDRA homepage as of June 2026.

No collateral is required for loans up to Rs 10 lakh under PMMY, as they are covered by the Credit Guarantee Fund for Micro Units (CGFMU). For Tarun Plus, whether collateral is required depends on the individual MLI's assessment; confirm with your lending bank before applying.

There is no single centralised public status portal for all PMMY loans. The route depends on how you applied.

Route 1: Through Udyamimitra (recommended for applications made online)

1. Open udyamimitra.in on any browser.
2. Click “Login” at the top right and enter the mobile number and password you used when submitting the application.
3. Go to “My Applications” or “Track Your Application” in the dashboard. The portal shows real-time status of applications submitted through it, including which lender has received the file and at what stage it stands.
4. If you applied through a CSC (Common Service Centre), the CSC operator would have created the application on the same portal; ask the CSC for your registered mobile number if you do not have it.

Route 2: Through Jan Samarth

jansamarth.in is a government portal that links multiple credit schemes, including PMMY, to a network of lenders. If your application was submitted through Jan Samarth, log in to that portal with your registered mobile or Aadhaar-linked credentials and check the application status section. The portal routes applications digitally to linked banks and should reflect updated status once the bank processes it.

Route 3: Directly at the lending bank

If you applied at a bank branch without using Udyamimitra or Jan Samarth, the bank holds the only record of your application. Visit the branch with:

• Your PMMY loan application reference number (given at the time of submission)
• Your Aadhaar card or other identity proof
• The mobile number you gave at the time of application

Ask the branch's MSME or loan officer for the status. Once a loan is sanctioned and a Mudra card or loan account is issued, you can track repayments and outstanding balance through the bank's own internet or mobile banking platform.

Route 4: Mudra card and account statement

On sanction, many lenders issue a Mudra debit card tied to a dedicated loan account. You can check the outstanding balance and transaction history through the card's linked bank account, just as you would for any bank account.

jansamarth.in is a single-window portal for government credit schemes, including PMMY. Log in with your Jan Samarth credentials (Aadhaar-based or mobile OTP), select the PMMY scheme, and view the current lender-processing stage of your application. Because the portal is session-driven, menu labels can differ from general guidance. If the status appears stale, contact the lending bank directly for confirmation.

A Mudra application can stall at several stages:

• At the bank's branch level: The branch may require additional documents, a personal visit, or a credit assessment interview. Call or visit the branch and ask specifically what is pending.
• At the guarantor stage: Some banks ask for a co-borrower or a local guarantor for higher loan amounts. If this was not arranged, the file may be on hold.
• CIBIL or credit check: Even though PMMY loans carry a guarantee, most lenders run a credit check. An adverse credit history or a record of default on past loans can lead to rejection.
• Incomplete KYC: If your Aadhaar, PAN, or address proof did not pass the bank's KYC check, the application will be returned. Update your Aadhaar details and resubmit the KYC documents.
• Business proof not accepted: The bank may ask for a trade licence, Udyam registration certificate, or GST registration. Check Udyam registration status if you have applied for Udyam, as having that certificate in hand can speed up the Mudra sanction.

Sanction means the bank has approved your application in principle; disbursement is a separate step. Return to the branch with original documents and sign the loan agreement. The amount is usually credited to a dedicated Mudra loan account. If more than a week passes after sanction without disbursement and the branch is not responding, escalate to the bank's nodal officer for MSME loans or file a complaint on the RBI Sachet portal.

Many small entrepreneurs combine PMMY with other government credit schemes. Understanding how they overlap can help you sequence your applications correctly:

• PM SVANidhi offers small working capital loans to street vendors. Street vendors who have repaid their SVANidhi loans often apply for a Mudra Shishu loan as a next step to grow their enterprise.
• Stand Up India provides loans from Rs 10 lakh to Rs 1 crore to SC, ST, or women entrepreneurs for greenfield enterprises. Borrowers who have outgrown Tarun Plus may consider Stand Up India.
• Kisan Credit Card is the credit instrument for agriculture and allied activities. Farmers running non-farm micro enterprises separately from their agricultural activity can hold both a KCC and a Mudra loan.
• Udyam Registration is not mandatory for PMMY but is strongly recommended. Having Udyam registration in hand speeds up bank processing and may improve your credit assessment.

The category depends on the loan amount you need, not on your turnover or asset size. If you need up to Rs 50,000, you fall under Shishu. Between Rs 50,001 and Rs 5 lakh is Kishor. Between Rs 5 lakh and Rs 10 lakh is Tarun. Tarun Plus is for up to Rs 20 lakh, but only if you have already repaid a Tarun loan. Discuss your requirement with the bank, which will apply the correct category.

Yes. You can walk into any participating bank branch and apply directly. Udyamimitra is a convenience channel, not a mandatory gateway. The bank will process a direct application through its own internal system.

PMMY does not mandate a fixed rate. Each lending institution sets its own rate within RBI guidelines. Ask for the applicable rate in writing before signing the loan agreement.

No. The scheme requires prior Tarun loan repayment regardless of the borrower's gender. Women borrowers who need more than Rs 10 lakh without a prior Mudra track record should consider Stand Up India instead.

A rejection from one bank does not bar you from applying to another participating bank. Understand the reason first. If it was a documentation issue, gather the missing documents and approach a different branch or bank.

PMMY does not prescribe a uniform tenure. Typical tenures range from one to five years for term loans. Working capital loans are usually short-term and subject to annual renewal. Confirm the tenure and EMI with your bank before signing.

File an RTI to: the lending bank's nodal officer; escalate to SIDBI or the Department of Financial Services

Use a Right to Information application if your status is stuck without explanation, your loan was rejected without a written reason, or you suspect irregularity in the application process:

• What is the current processing stage of my PMMY loan application bearing reference number [your number] submitted on [date] at [branch name]?
• What is the specific ground on which my Mudra loan application was rejected, and which officer took the rejection decision?
• How many Mudra loan applications were received, sanctioned, and rejected by this branch or district in the current financial year, category-wise?
• What is the outstanding amount of Mudra loans disbursed by this bank under each category (Shishu, Kishor, Tarun, Tarun Plus) in the current financial year?
• What grievance redressal mechanism exists for PMMY applicants whose applications have been pending for more than 60 days without a decision?

→ Use our free AI RTI Drafter to generate a complete Section 6(1) application.

• mudra.org.in (scheme overview, four loan categories, PMMY framework, Tarun Plus eligibility)
• mudra.org.in/Offerings (official loan category ceilings: Shishu Rs 50,000; Kishor Rs 5 lakh; Tarun Rs 10 lakh; Tarun Plus Rs 20 lakh)
• udyamimitra.in (online application and real-time status tracking portal, SIDBI-operated)
• jansamarth.in (government multi-scheme credit portal covering PMMY)

By Dr. Shrawan Kumar Pathak