Big Boost for Small Businesses: Explaining the New ₹20 Lakh Limit in MUDRA Tarun Plus

Agar aap ek chhota business chalate hain aur paiso ki kami se growth ruk rahi hai, to sarkar ne aapke liye badi khushkhabri di hai. Pradhan Mantri MUDRA Yojana (PMMY) ki limit ab ₹10 lakh se badhakar ₹20 lakh kar di gayi hai.

Iske liye ek nayi category banayi gayi hai – Tarun Plus. Saath hi MSMEs ke liye CGTMSE guarantee limit bhi double karke ₹10 Crore kar di gayi hai.

What is New MUDRA Tarun Plus?

Pehle MUDRA me 3 category thi, ab 4 ho gayi hai:

Category	Loan Amount	Kis Ke Liye Hai
Shishu	Up to ₹50,000	Naye aur chhote startups ke liye
Kishore	₹50,001 – ₹5 Lakh	Chal rahe business ko badhane ke liye
Tarun	₹5 Lakh – ₹10 Lakh	Growth aur machinery ke liye
Tarun Plus (NEW)	₹10 Lakh – ₹20 Lakh	Bade expansion ke liye

Effective Date: 24 October 2024 se Tarun Plus lagu ho gaya hai. aimindia.in

₹20 Lakh Ka Loan Kaun Le Sakta Hai? Eligibility

Ye sabse important point hai. Tarun Plus har kisi ko nahi milega.

Mandatory Conditions:

1. Aapne pehle Tarun (₹5-10 Lakh) category ka loan liya ho.
2. Us loan ko time par successfully repay kiya ho. Koi default, NPA ya restructuring nahi hona chahiye.
3. Business non-corporate (Proprietorship, Partnership) aur non-farm hona chahiye.
4. Ye loan naye business ke liye nahi, balki usi business ke expansion ke liye milega. indiaherald.com

FY25 me hi 24,557 logo ne Tarun Plus ka fayda liya hai, average loan ₹15 Lakh hai.

Benefits – Collateral Free!

1. Zero Collateral: ₹20 Lakh tak ke liye bhi koi property, gold girvi nahi rakhna padega.
2. Credit Guarantee: Loan CGFMU ke under cover hota hai, isliye bank aasani se deta hai.
3. Low Interest: Interest 8.85% se 16% ke beech (bank par depend karta hai).
4. Repayment 3-7 Years tak. aimindia.in

CGTMSE Upgrade – Ab ₹10 Crore Tak Guarantee

Budget 2025-26 me MSMEs ke liye doosra bada dhamaka hua hai.

CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) ka limit ₹5 Crore se badhakar ₹10 Crore kar diya gaya hai.

Iska matlab bank ab bina collateral ke ₹10 Crore tak ka loan dene se nahi darega, kyunki 75-85% paisa sarkar guarantee degi. Women entrepreneurs ko to 90% tak cover milta hai.

Iske alawa:

• Startups ke liye limit ₹10 Cr se badhkar ₹20 Crore
• Annual Guarantee Fee bhi 50% kam karke 0.37% kar diya gaya hai.
• Isse agle 5 saal me ₹1.5 Lakh Crore ka extra credit market me aayega.

Documents & Kaise Apply Kare?

Documents: Aadhaar, PAN, Address Proof, 6 months bank statement, Udyam/GST certificate, Business Plan/Project Report.

Apply Process:

1. JanSamarth Portal – jansamarth.in ya mudra.org.in par jaye
2. Ya apne najdeeki Public Bank, RRB, Private Bank me jaye
3. Tarun Plus category select kare aur business expansion plan dikhaye

Official Website: mudra.org.in

Conclusion

MUDRA Tarun Plus ₹20 Lakh aur CGTMSE ₹10 Crore guarantee – ye dono milkar small business ke liye game-changer hai. Agar aapne pehle Tarun loan ka sahi istemal kiya hai, to ab aap apni dukaan, factory ya service center ko double kar sakte hain bina koi property girvi rakhe.

FAQ: