प्रधानमंत्री मुद्रा योजना - किशोर श्रेणी ऋण
ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)
Equipment and expansion loan from ₹50,001 to ₹5 Lakh under MUDRA with zero third-party collateral.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Middle tier of PMMY providing equipment financing and working capital from ₹50,001 up to ₹5 Lakh to help established micro-enterprises purchase tools, machinery, and inventory.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Up to ₹5 Lakh collateral-free loan; purchase modern machinery; repayment tenure up to 5 years; available across 100+ nationalized, private, and regional banks.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Existing micro-enterprises, small manufacturing units, and service establishments with minimum 1 year operations and clean banking track record.
जमानत / कोलेटरल आवश्यकता (Collateral)
Nil third-party collateral; primary hypothecation of assets purchased from loan proceeds
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, Last 6 months bank statement, Quotations for machinery, ITR/Sales tax returns for 1 year, KYC of promoters.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Requires basic business existence and project report showing viable cash flows to service EMI. Margin money of 10% to 15% required from borrower.
🚀आवेदन के चरण (How to Apply)
Apply at bank branch where current/savings account is maintained.
Apply online at psbloansin59minutes.com or udyamimitra.in.
Submit project proposal and quotation of machinery to commercial bank loan manager.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What margin money is required for MUDRA Kishore loans?
Borrowers are typically required to contribute 10% to 15% of the total project cost as promoter margin money, while 85% to 90% is financed by the bank.
Can Kishore tier be used for buying commercial vehicles?
Yes, purchase of small commercial vehicles, e-rickshaws, goods carriers, and tractors used for commercial transport is eligible under Kishore tier.
Is Udyam registration required for Kishore loan?
Yes, holding a valid Udyam Registration Number (URN) is mandatory for availing MSME priority sector credit under Kishore tier.
How long does sanction take?
Sanctions through the psbloansin59minutes.com portal provide in-principle approval in 59 minutes, with final branch disbursement within 7 to 10 working days.