प्रधानमंत्री मुद्रा योजना - तरुण श्रेणी ऋण
ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)
Business scaling credit from ₹5 Lakh to ₹10 Lakh without real estate mortgage under MUDRA.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Expansion-level financing under PMMY for established small business enterprises requiring ₹5 Lakh to ₹10 Lakh for modernizing facilities or scaling working capital.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Credit up to ₹10 Lakh without physical property mortgage; repayment extended up to 7 years; composite term loan and cash credit structure.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Operational small enterprises with minimum 2 years profitable operations, valid Udyam Registration, and GST filing record.
जमानत / कोलेटरल आवश्यकता (Collateral)
No collateral or third-party guarantee required; primary security on assets created
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration, Last 2 years ITR and balance sheet, 12 months GST returns, 6 months bank statement, Projected financial statement for loan tenure.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Requires 2 years audited/CA-certified financial statements and projected cash flows. Promoter margin contribution of 15% is mandatory.
🚀आवेदन के चरण (How to Apply)
Submit expansion project balance sheets to existing banker.
Apply at psbloansin59minutes.com with GSTIN and bank statement upload.
Visit SME branch of commercial bank with 2 years financial statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
Can Tarun tier loan be split into term loan and cash credit?
Yes, banks routinely structure Tarun loans as a composite facility (e.g. ₹6 Lakh term loan for machinery and ₹4 Lakh cash credit for raw material working capital).
What is the maximum tenure for Tarun tier?
The maximum repayment tenure is up to 7 years (84 months) including a moratorium period of 6 to 12 months for machinery installation.
Is GST registration mandatory for Tarun tier?
For enterprises with annual turnover exceeding statutory GST limits (₹40 Lakh for goods, ₹20 Lakh for services), GST registration is mandatory.
What CIBIL score is expected for Tarun tier?
Most lending banks require a minimum commercial/individual CIBIL score of 675 for sanctioning Tarun tier loans.