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—check-status:mudra-loan-status [2026/07/10 20:03] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(Mudra loan status check, PMMY application status, Shishu Kishore Tarun loan, Udyamimitra loan tracking, Pradhan Mantri Mudra Yojana, Jan Samarth Mudra)
 +metatag-title=(Mudra Loan Status Check 2026 Shishu Kishore Tarun)&metatag-description=(Check your PMMY Mudra loan status via Udyamimitra or Jan Samarth. Shishu up to Rs 50000, Kishore Rs 5 lakh, Tarun Rs 10 lakh, Tarun Plus Rs 20 lakh.)
 +metatag-og:image=(https://righttoinformation.wiki/og/check-status-mudra-loan-status.webp)
 +metatag-twitter:image=(https://righttoinformation.wiki/og/check-status-mudra-loan-status.webp)}}
  
 +====== Mudra Loan Status Check 2026: Shishu, Kishore, Tarun and Tarun Plus ======
 +
 +{{https://righttoinformation.wiki/og/check-status-mudra-loan-status.webp?1200x675|Mudra Loan Status help desk scene}}
 +
 +**Reviewed on:** 2026-06-19.
 +
 +<WRAP info>**Direct answer.** To check your Pradhan Mantri Mudra Yojana loan status, log in with your registered mobile number at [[https://udyamimitra.in|udyamimitra.in]] and open the application tracking section. You can also visit the lending bank's branch directly and quote your loan account number. PMMY offers four categories: Shishu up to Rs 50,000; Kishore above Rs 50,000 and up to Rs 5 lakh; Tarun above Rs 5 lakh and up to Rs 10 lakh; and Tarun Plus above Rs 10 lakh and up to Rs 20 lakh for borrowers who have already repaid a Tarun loan.</WRAP>
 +
 +===== What PMMY is and who it covers =====
 +
 +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 [[https://udyamimitra.in|udyamimitra.in]], or through [[https://www.jansamarth.in|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.
 +
 +===== The four loan categories =====
 +
 +MUDRA divides PMMY loans into four categories that reflect the growth stage of the borrower. The ceilings below are as published on [[https://www.mudra.org.in/Offerings|mudra.org.in/Offerings]].
 +
 +^ Category ^ Loan range ^ Typical use ^
 +| **Shishu** | Up to Rs 50,000 | Starting a new micro activity or very small working capital |
 +| **Kishor** | Above Rs 50,000 up to Rs 5 lakh | Expanding an existing micro unit, buying equipment or stock |
 +| **Tarun** | Above Rs 5 lakh up to Rs 10 lakh | Scaling a growing enterprise, larger plant or inventory |
 +| **Tarun Plus** | Above Rs 10 lakh up to Rs 20 lakh | Available only to borrowers who have already availed and fully repaid a Tarun loan |
 +
 +**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.
 +
 +===== How to check your Mudra loan application status =====
 +
 +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)**
 +
 +  - Open [[https://udyamimitra.in|udyamimitra.in]] on any browser.
 +  - Click "Login" at the top right and enter the mobile number and password you used when submitting the application.
 +  - 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.
 +  - 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**
 +
 +[[https://www.jansamarth.in|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.
 +
 +===== Checking status via Jan Samarth portal =====
 +
 +[[https://www.jansamarth.in|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.
 +
 +===== Reasons your application may be delayed or pending =====
 +
 +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 [[check-status:aadhaar-status|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 [[check-status:udyam-registration-status|Udyam registration status]] if you have applied for Udyam, as having that certificate in hand can speed up the Mudra sanction.
 +
 +===== What to do if the loan is sanctioned but not disbursed =====
 +
 +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.
 +
 +===== How Mudra connects to other government schemes =====
 +
 +Many small entrepreneurs combine PMMY with other government credit schemes. Understanding how they overlap can help you sequence your applications correctly:
 +
 +  * [[check-status:pm-svanidhi-status|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.
 +  * [[check-status:stand-up-india-status|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.
 +  * [[check-status:kcc-status|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.
 +  * [[check-status:udyam-registration-status|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.
 +
 +===== FAQ =====
 +
 +==== How do I know which Mudra category I belong to? ====
 +
 +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.
 +
 +==== Can I apply for a Mudra loan without Udyamimitra? ====
 +
 +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.
 +
 +==== Is the Mudra loan interest rate fixed? ====
 +
 +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.
 +
 +==== Can a woman entrepreneur apply for Tarun Plus directly? ====
 +
 +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.
 +
 +==== My Mudra application was rejected. Can I reapply? ====
 +
 +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.
 +
 +==== What is the repayment period for a Mudra loan? ====
 +
 +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 =====
 +
 +**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?
 +
 +→ **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|Use our free AI RTI Drafter]]** to generate a complete Section 6(1) application.
 +
 +===== Sources =====
 +
 +  * [[https://www.mudra.org.in|mudra.org.in]] (scheme overview, four loan categories, PMMY framework, Tarun Plus eligibility)
 +  * [[https://www.mudra.org.in/Offerings|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)
 +  * [[https://udyamimitra.in|udyamimitra.in]] (online application and real-time status tracking portal, SIDBI-operated)
 +  * [[https://www.jansamarth.in|jansamarth.in]] (government multi-scheme credit portal covering PMMY)
 +
 +//By Dr. Shrawan Kumar Pathak//
 +===== How to check PM Mudra Loan application status online? =====
 +
 +Pradhan Mantri Mudra Yojana (PMMY) provides loans up to Rs 10 lakh to micro/small enterprises. Here is how to check your application status:
 +
 +  - **Step 1: Visit the Mudra portal.** Go to [[https://www.mudra.org.in|mudra.org.in]].
 +  - **Step 2: Click "Track Application".** Enter your application reference number and mobile number.
 +  - **Step 3: Contact your lending institution.** Mudra loans are provided through: (a) Commercial banks, (b) RRBs, (c) NBFCs, (d) MFIs, (e) Small Finance Banks. Contact your branch with your application number.
 +  - **Step 4: Call the helpline.** Call 1800-180-1111 or 1800-11-0000 for assistance.
 +  - **Step 5: File a complaint.** If your application is delayed, file a complaint with the bank's grievance redressal officer. If unresolved, file a complaint with the Banking Ombudsman at [[https://rbi.org.in|rbi.org.in]].
 +
 +===== How to apply for a PM Mudra Loan? =====
 +
 +  - **Step 1: Check eligibility.** You must be: (a) an Indian citizen, (b) running a non-farm income-generating micro enterprise, (c) engaged in manufacturing, trading, or services, (d) credit requirement up to Rs 10 lakh.
 +  - **Step 2: Choose the loan category.**
 +    - **Shishu:** Up to Rs 50,000 (for start-ups/early stage)
 +    - **Kishore:** Rs 50,001 to Rs 5,00,000 (for existing businesses)
 +    - **Tarun:** Rs 5,00,001 to Rs 10,00,000 (for established businesses)
 +  - **Step 3: Gather documents.** Aadhaar, PAN, bank statement (last 6 months), business proof (registration/GST), and a business plan/project report.
 +  - **Step 4: Apply at a lending institution.** Visit any participating bank/NBFC/MFI branch with your documents. Fill out the Mudra loan application form.
 +  - **Step 5: Loan disbursement.** The lending institution processes the application and disburses the loan directly to your bank account. Mudra loans do not require collateral for loans up to Rs 10 lakh (under the Credit Guarantee Fund for Micro Units scheme).
 +
 +===== How to resolve common Mudra loan rejection reasons? =====
 +
 +  - **Low CIBIL score:** Check your CIBIL score at [[https://cibil.com|cibil.com]]. If it is below 650, work on improving it before reapplying.
 +  - **Insufficient business proof:** Register your business (Udyam Registration at [[https://udyamregistration.gov.in|udyamregistration.gov.in]]) and obtain a GST registration if applicable.
 +  - **Inadequate business plan:** Prepare a detailed project report showing revenue projections, expenses, and repayment capacity.
 +  - **Bank reluctant to process:** File a complaint with the bank's grievance redressal officer. If unresolved, file a complaint with the Banking Ombudsman.
 +
 +===== How to file RTI for Mudra loan delays? =====
 +
 +  - **File RTI with the bank (if public sector):** Ask for: (a) the status of your application, (b) the reason for delay/rejection, (c) the total Mudra loan applications received and disbursed in your branch, and (d) the timeline for processing.
 +  - **File RTI with the Ministry of Finance:** Ask for the Mudra scheme's progress in your district and the action taken on your complaint.
 +
 +Use [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]. See [[https://righttoinformation.wiki/check-status/kcc-status|KCC Status]] and [[https://righttoinformation.wiki/check-status/pm-svanidhi-status|PM SVANidhi Status]].
 +
 +{{tag>mudra loan status pmmy shishu kishore tarun udyam registration banking ombudsman rti 2026}}