LoanMinistry of Finance (Department of Financial Services)Verified 19 May 2026

Pradhan Mantri MUDRA Yojana — Shishu Category

The Pradhan Mantri MUDRA Yojana — Shishu Category provides loans up to ₹50,000 to micro-enterprises and startups in need of initial capital for equipment or operational costs. Administered by the Ministry of Finance, the scheme is open year-round and supports early-stage businesses in their growth phase.

Maximum amount
₹50K
Typical payout
₹35K
Processing time
1–2 weeks
Application window
Open year-round

Check if your startup qualifies for Pradhan Mantri MUDRA Yojana — Shishu Category

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Eligibility criteria

Company type
Private Limited, LLP, One Person Company, Proprietorship, Partnership Firm
Stage
Idea Stage, Pre-Revenue
States
All India (nationwide)
Sectors
saas, ai, fintech, healthtech, edtech, d2c, manufacturing, food_processing, agritech, cleantech, logistics, retail, textile, pharma, biotech, chemicals, engineering, media, other

Documents required

1
Aadhaar Card
Identity proof required for the application. One of the self-attested documents.
Tip: Ensure your Aadhaar Card details are up to date to avoid any discrepancies.
2
PAN Card
Identity proof required for the application. One of the self-attested documents.
Tip: Cross-check your PAN details to ensure they match your Aadhaar information.
3
Voter ID Card
Can be used as identity or address proof if chosen. Self-attested.
Tip: Always carry the original document for verification when visiting the bank.
4
Passport
Listed as an identity proof option but typically not categorized individually in BenefitStack.
Tip: Check validity, as expired passports are not acceptable.
5
Utility Bills
Recent electricity/water bills, not older than 3 months, used as address proof.
Tip: Ensure the bill displays the correct full address as per application requirements.
6
Property Tax Receipt
Can be submitted as proof of address.
Tip: Always check for the latest payment receipt as banks prefer recent proof.
7
Applicant's Photograph
Two recent passport-size color photographs for the loan application.
Tip: Formal attire is recommended when taking passport-sized photos for official purposes.
8
Machinery/Equipment Quotation
Price quotes for products purchased with the loan capital, conditional on loan purpose.
Tip: Ensure quotations are dated and from reputable dealers.
9
Bank Account Statement
6-month bank transaction history, required if applicable.
Tip: Download the statement directly from your online banking portal for authenticity.
10
Proof of Business Category
SC/ST/OBC/Minority certificates if applicable, for targeted sub-allocations.
Tip: Get the certificate verified by a local administrative body if required.
11
Business Address Proof
Documents such as rent deed/lease agreement for business premises.
Tip: Ensure lease agreements are notarized when required.
12
Udyam Registration Certificate
Business registration proof required if applicable.
Tip: Apply through the Udyam official portal for a seamless process.
13
Shop License
Local municipal business registration requirement if applicable.
Tip: Renew your shop license timely to avoid discrepancies during submission.

How to apply for MUDRA Shishu

1
Check eligibility on the JanSamarth Official Website.Open portal
2
Register your account on JanSamarth using your mobile number.Open portal
3
Upload PAN, Aadhaar, and bank details, then select a lender from the populated list.

Frequently asked questions

Who is eligible for MUDRA Shishu?

MUDRA Shishu is available to Private Limited, LLP, One Person Company, Proprietorship, Partnership Firm companies at the Idea Stage, Pre-Revenue stage, across all Indian states (nationwide).

How much funding does MUDRA Shishu provide?

MUDRA Shishu provides up to ₹50K. Most applicants receive around ₹35K. This is a loan product — repayment is required.

How long does MUDRA Shishu approval take?

The typical processing time from submission to disbursement is 1–2 weeks.

Is MUDRA Shishu currently accepting applications?

Yes, MUDRA Shishu is currently active and accepting applications. Application window: Open year-round.

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Information is based on publicly available scheme guidelines. Last verified 19 May 2026. Always verify with official sources before applying.