PRADHAN MANTRI MUDRA YOJANA (PMMY) · CGFMU GUARANTEED

PM Mudra Loan Tier & EMI Calculator

Determine your official MUDRA loan tier, check your 100% collateral-free guarantee under CGFMU, and compute your monthly repayment EMI.

Required Funding Amount

₹

₹10K₹50K (Shishu)₹10L (Kishore)₹20L (Tarun)

Repayment Tenure

Years

1 Year (12 Mos)3 Years (36 Mos)5 Years (60 Mos Max)

Expected Annual Interest Rate (p.a.)

7% (PSU Concession)9.5% (Typical Bank Rate)16% (NBFC/MFI)

Tarun Track Record (For ₹10L–₹20L Funding)

Fresh / Regular ApplicantFirst time or routine scale-up

Earlier Tarun Loan RepaidFully eligible for ₹20L ceiling

Matched MUDRA Category

KISHORE

Covers funding from ₹50,001 to ₹10,00,000

Monthly EMI Installment

₹11,213

Payable monthly for 36 months

Collateral Requirement:100% Collateral-Free (CGFMU)

Promoter Margin Required:10% - 15%

Processing Fee:0.50% (Max)

Total Interest Payable:₹53,678

Total Repayment Outflow:₹4,03,678

Official PM MUDRA Yojana Tier Specifications (PMMY)

Category	Funding Bracket	Collateral Status	Processing Fee	Promoter Margin
Shishu	Up to ₹50,000	100% Collateral-Free	NIL (Zero Fee)	0% (Nil)
Kishore	₹50,001 to ₹10,00,000	100% Collateral-Free	Up to 0.50%	Up to 15%
Tarun	₹10,00,001 to ₹20,00,000	100% Collateral-Free	Up to 0.50%	Up to 15%