प्रधानमंत्री मुद्रा योजना - तरुण प्लस श्रेणी ऋण (₹20 लाख)
ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)
Enhanced MUDRA loan up to ₹20 Lakh for entrepreneurs with successful prior Tarun repayment history.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Enhanced MUDRA category introduced in Union Budget 2024 raising the collateral-free credit ceiling to ₹20 Lakh for entrepreneurs who previously availed and successfully repaid Tarun tier loans.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Double the traditional MUDRA credit limit (up to ₹20 Lakh); zero immovable property mortgage; fast-track processing for proven borrowers.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Entrepreneurs who previously availed Tarun loans and maintained 100% timely repayments, having active Udyam and GST registration.
जमानत / कोलेटरल आवश्यकता (Collateral)
Nil third-party collateral; hypothecation of business assets
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans
📂आवश्यक दस्तावेज (Required Documents)
Prior MUDRA Tarun loan no-dues or track certificate, 2 years audited balance sheets, 12 months GST returns, Udyam certificate, CMA data.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Restricted strictly to borrowers who have successfully availed and fully repaid/serviced a previous Tarun tier MUDRA loan with a flawless track record.
🚀आवेदन के चरण (How to Apply)
Request Tarun Plus facility enhancement from your original lending bank.
Apply at psbloansin59minutes.com providing prior Tarun loan closure certificate.
Visit your commercial bank branch with prior Tarun loan repayment statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
Who is eligible for the new ₹20 Lakh Tarun Plus tier?
Only entrepreneurs who have previously availed a Tarun tier loan under PMMY and successfully repaid it without any default are eligible for Tarun Plus.
When was the Tarun Plus tier introduced?
It was officially announced by Union Finance Minister in the Union Budget 2024-25 and operationalized via DFS guidelines.
Is collateral required for loans up to ₹20 Lakh under Tarun Plus?
No. The credit guarantee window of CGFMU was statutory expanded to cover up to ₹20 Lakh with zero real estate collateral.
Can Tarun Plus be used for service businesses?
Yes, both manufacturing and service enterprises that meet the prior track record condition are fully eligible.