MSME & MUDRA Loans

What We Offer

MUDRA (Micro Units Development & Refinance Agency) and MSME loans are government-supported schemes designed to provide collateral-free financing to small and medium businesses. We connect you with the right lenders and manage the entire application process from documentation to fund disbursement.

Types of MUDRA Loans

• Shishu Loan: Up to ₹50,000 for business startups and micro-enterprises
• Kishore Loan: ₹50,001 to ₹5 Lakhs for growing businesses
• Tarun Loan: ₹5 Lakh to ₹10 Lakhs for established businesses seeking expansion

Key Features

• Collateral-Free: No physical security required
• Government Guarantee: CGTMSE insurance covers up to 85% of loan default
• Quick Processing: Approval in 7-15 days typically
• Flexible Repayment: Tenure of 5-7 years with moratorium period options
• Interest Rates: Competitive rates ranging from 8-12% p.a.

Eligibility Criteria

• Indian citizen, age 18 years or above
• Operating as individual, partnership, or registered business entity
• Business should be in non-farm sector
• Annual turnover should not exceed ₹2 Crore
• No other active loans in default

Our Support Includes

• Comprehensive eligibility assessment
• Lender bank selection and connection
• Project report and business plan preparation
• Complete documentation and form filling
• Application submission to banks
• Follow-up on application status
• Query and objection resolution
• Final documentation and fund transfer coordination

Use of Funds

• Working capital for business operations
• Purchase of machinery and equipment
• Business expansion and renovation
• Technology adoption and digitization
• Inventory and stock purchase

Timeline for Loan Approval

Typical Duration: 15-30 days from complete documentation

1. Eligibility verification (2-3 days)
2. Documentation preparation (3-5 days)
3. Bank submission (1 day)
4. Bank processing and verification (7-10 days)
5. Approval and disbursement (3-5 days)