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Central SchemeLoan: Up to ₹5 Lakh
Last Verified: 22 Aug 2026

PM Mudra Yojana — Kishor

Collateral-free working capital and term loans from ₹50,001 to ₹5 Lakh.

Authority:Department of Financial Services (DFS), Ministry of Finance

Overview & Objectives

PMMY Kishor tier caters to growing micro enterprises requiring machinery purchase or working capital funding between ₹50,001 and ₹5 Lakh without providing physical third-party collateral.

Financial Benefit Structure

₹0.5 Lakh – ₹5 Lakh
Interest rate set by lending bank; typically 9.25%–11.5% p.a.

Eligibility Criteria

Operational business units or viable new setups requiring capital above ₹50,000 up to ₹5 Lakh.

Eligible Sectors:
ManufacturingServicesTradingFood Processing

Required Documents Checklist

  • Identity Proof & Address Proof of Promoters
  • Udyam Registration Certificate
  • Bank Account Statements (past 6–12 months)
  • Last 1–2 years Financial Statements / ITR (if existing enterprise)
  • Machinery / Quotation details for proposed asset purchase

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