Mudra Loan Dobara Kaise Lein? Pehla Loan Chukane Ke Baad Tarun Plus aur Second Mudra Loan (2026 Guide)

Aapne pehla Mudra loan le liya tha. Kisht samay par bhari, aakhri EMI bhi gayi, aur ab dukaan pehle se badi ho gayi hai. Customer badh gaye. Ab ek aur machine chahiye, ek aur kaarigar chahiye, ya doosri shop. Par paisa phir kam pad gaya.

Dil mein sawal aata hai: "Mudra loan dobara mil sakta hai? Ya wo sirf ek hi baar milta hai?" Ek dost kehta hai, "Ek baar le liya, ab nahi milega." Doosra kehta hai, "Arre, ab toh ₹20 lakh tak milta hai." Teesra bank wala kehta hai, "Dekhte hain."

Is guide mein hum saaf karenge ki mudra loan dobara kaise lein, yaani second mudra loan ka poora raasta. Pehla Mudra loan chukane ke baad aap dobara Mudra loan le sakte hain ya nahi, Tarun Plus ₹20 lakh kya hai aur uske liye kaun eligible hai, kaunse kaagaz chahiye, EMI kitni banegi, aur bank ke saamne apna case kaise rakhein.

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• Mudra loan dobara lena mumkin hai. PMMY mein ek baar loan lene ke baad dobara loan lene par koi seedhi rok sarkari scheme mein nahi dikhti. Naya loan ek nayi application hoti hai, aur faisla lender ka hota hai.
• Pehla loan samay par chukana aapki sabse badi taakat hai. Credit history kharab ho toh dobara loan mushkil ho jaata hai.
• Tarun Plus: Budget 2024 mein elaan hua, aur PIB ke mutabiq limit ₹10 lakh se ₹20 lakh karne ka kaam 24 October 2024 se laagu hua. Ye un entrepreneurs ke liye hai jinhone Tarun category (₹5 lakh se ₹10 lakh) ka loan successfully chuka diya hai.
• Tarun Plus mein collateral nahi lagta, sirf primary security (jo asset kharida jaye uska hypothecation). Indian Bank ke page ke mutabiq loan par CGTMSE ya CGFMU cover zaroori hai aur uska premium borrower bharta hai.
• Dobara loan ke liye aam taur par pichle loan ka closure saboot, naya project report aur bank statement lagta hai.
• "Mudra loan dobara pakka karwa denge" kehkar paise maangne wala har agent fraud hai.

1. Mudra loan dobara lena: kya ye mumkin hai?

Seedha jawab: haan, mumkin hai. Mudra loan ek baar ka nahi hai, mudra loan dobara bhi mil sakta hai. PMMY ki jo jaankari PIB, Indian Bank aur dusre bank pages par mili, usme kahin aisa nahi likha ki ek vyakti ek hi baar Mudra loan le sakta hai. Balki Tarun Plus ka concept hi isliye bana hai ki jo borrower pehle ek loan chuka chuka hai, wo agla bada loan le sake.

Lekin "mumkin hai" ka matlab "pakka milega" nahi hai. Mudra loan dobara lene ke liye aap ek nayi application dete hain, jaise second mudra loan ke liye koi bhi applicant. Bank ya lender aapko wahi dekhta hai jo wo kisi bhi naye applicant ke saath dekhta hai, saath mein ek zyada vazan wali cheez: aapka pichla record.

Isliye dobara mudra loan kaise lein, iska sabse bada jawab ye hai: pehla loan samay par chukayiye. Baaki sab kuch us ke baad aata hai.

Ek zaroori baat. MUDRA khud loan nahi deta. Loan bank, RRB, small finance bank, NBFC ya MFI deta hai. Isliye dobara loan lene ke liye aap usi lender ke paas ja sakte hain jiske saath aapka pehla loan tha, ya kisi aur ke paas. Dono ke apne fayde aur nuksan hain, jinki baat hum aage karenge.

2. Pehla Mudra loan chukane ke baad kya milta hai: shreni ke hisaab se raasta

PMMY mein loan teen shreniyon mein milta hai: Shishu (₹50,000 tak), Kishore (₹50,001 se ₹5 lakh) aur Tarun (₹5,00,001 se ₹10 lakh). Budget 2024 ke baad ek chauthi shreni, Tarun Plus (₹10 lakh se ₹20 lakh), jodi gayi.

Is table se samjhiye ki pehla loan chukane ke baad aapke saamne kya raaste hain:

Aapka pehla loan	Chukane ke baad kya sambhav hai	Dhyan dene wali baat
Shishu (₹50,000 tak)	Naya, bada loan, jaise Kishore, bank ki policy ke hisaab se	Ye ek nayi application hai. Samay par chukane ka record aapki taakat hai
Kishore (₹50,001 se ₹5 lakh)	Naya loan, ya Tarun shreni mein badha hua loan	Bank naya project report aur business growth dekhega
Tarun (₹5 lakh se ₹10 lakh)	Tarun Plus: ₹10 lakh se ₹20 lakh tak	Indian Bank ke mutabiq pehle Tarun loan ka successfully chuka hona zaroori hai
Tarun Plus	Naya working capital ya term loan bank ki policy ke hisaab se	Aise cases mein bank ki apni policy dekhein

Ye dhyan rakhiye ki Tarun Plus ki shart khaas taur par un entrepreneurs ke liye hai jinhone Tarun category ka loan chuka diya hai. PIB aur Indian Bank dono ke mutabiq yehi eligibility likhi hai. Agar mudra loan dobara lene wala aapka pehla loan Shishu ya Kishore tha, toh aap Tarun Plus ke liye seedhe eligible nahi ho jaate. Aapko pehle ek bade loan ki seedhi par chadhna padega.

Ye table aam raasta dikhata hai. Har lender ki policy alag hoti hai. Isliye likhit mein poochiye: "Mere pehle Mudra loan ke baad main kitna naya loan le sakta hoon?"

3. Tarun Plus mudra loan kya hai

Tarun Plus ek nayi shreni hai jo Budget 2024 mein announce hui. Business Standard ki report ke mutabiq Finance Minister ne July 2024 ke Union Budget mein ye elaan kiya tha ki Tarun category ke tahat pehle liya hua loan successfully chuka chuke entrepreneurs ke liye Mudra loan ki limit ₹10 lakh se badha kar ₹20 lakh ki jayegi. PIB ke document ke mutabiq ye limit increase 24 October 2024 se laagu hui.

Is naye ceiling ke saath ek aur zaroori baat PIB ke document mein hai: CGFMU (Credit Guarantee Fund for Micro Units) ab in badhe hue loans ke liye guarantee coverage dega.

Seedhe shabdon mein Tarun Plus ka matlab ye hai:

• Limit: ₹10 lakh se upar aur ₹20 lakh tak (Indian Bank ke mutabiq minimum ₹10 lakh se upar).
• Eligibility: pehle ka Tarun loan successfully chukaya hua ho.
• Collateral: nahi, sirf primary security.
• Guarantee: CGFMU/CGTMSE ka cover.

Yaani Tarun Plus ek "reward" ki tarah hai un borrowers ke liye jo samay par chukate hain. Aur isi liye ye post pehle loan ko samay par chukane par itna zor deta hai.

4. Tarun Plus ki eligibility: kaun yogya hai

Indian Bank ke Tarun Plus page ke mutabiq eligibility ye hai: "Entrepreneurs who have availed and successfully repaid previous loans under Tarun Category (Mudra loans above Rs 5 lakhs to Rs 10 lakhs)". Yaani:

1. Aapne Tarun category ka loan liya ho. Yaani ₹5 lakh se zyada aur ₹10 lakh tak ka Mudra loan.
2. Aapne use successfully chuka diya ho. Pura repay hona zaroori hai.
3. Business chal raha ho. Naya limit tabhi milegi jab bank ko dikhega ki aapka business badha hai ya badhne wala hai.
4. Bank ki policy ke hisaab se. Har lender ki apni extra conditions ho sakti hain.

Mudra loan dobara lene ki ek chhoti aur zaroori baat: Tarun Plus ka sab kuch lender ke apne product ke roop mein chalta hai. Indian Bank ke page par Tarun Plus ke liye alag "Apply for Loan" button hai, jo uske online portal par le jata hai. Doosre banks mein process alag ho sakta hai. Isliye apne bank mein poochiye ki kya wo Tarun Plus offer karta hai.

Agar aap abhi Shishu ya Kishore mein hain aur dobara mudra loan ke zariye Tarun Plus tak jaana chahte hain, toh ek seedhi par socho: Shishu, phir Kishore, phir Tarun, aur phir Tarun Plus. Har step par samay par chukana zaroori hai. Pehle loan ke baare mein mudra loan 50000, 1 lakh, 5 lakh EMI aur documents wali guide dekhiye.

5. Mudra loan 20 lakh: rate, tenure aur EMI

Interest rate

Indian Bank ke Tarun Plus page par interest rate ka ye hisaab diya gaya hai: Repo rate 5.25% + prime spread 2.70% + other spread 2.05% = 10.00% "at present". Ye us page ke time ka snapshot hai aur rate badalte rehte hain. Isliye apne lender se aaj ka rate poochiye. Doosre lenders ka rate alag ho sakta hai.

Comparison ke liye: Bank of Maharashtra ke PMMY page ke mutabiq ₹10 lakh se upar ke loan ka formula RLLR + 2.00 + BSS hai. Us page par RLLR 9.05% aur BSS 0.50% likha hai, jisse rate 11.55% banta hai. Ye bhi ek snapshot hai.

Tenure

Indian Bank ke page ke mutabiq Tarun Plus ka term loan maximum 60 mahine mein chukana hota hai, aur working capital limit saal mein ek baar renew hoti hai.

EMI table (reducing balance, sirf samajhne ke liye)

Loan	10%: 3 saal	10%: 4 saal	10%: 5 saal	11.8%: 3 saal	11.8%: 4 saal	11.8%: 5 saal
₹10,00,000	₹32,267	₹25,363	₹21,247	₹33,119	₹26,236	₹22,144
₹12,00,000	₹38,721	₹30,435	₹25,496	₹39,743	₹31,483	₹26,572
₹15,00,000	₹48,401	₹38,044	₹31,871	₹49,678	₹39,354	₹33,215
₹20,00,000	₹64,534	₹50,725	₹42,494	₹66,238	₹52,471	₹44,287

Ek example: ₹15 lakh ka loan 10% par 5 saal ke liye lene par kul byaj lagbhag ₹4,12,234 banta hai. ₹20 lakh par lagbhag ₹5,49,645. Isliye bada loan lene se pehle apna monthly surplus zaroor dekhiye.

Ek planning rule: aapki mahine ki net bachat EMI se kam se kam 1.5 guna honi chahiye. Ye bank ka niyam nahi, ek planning rule hai jo aapko dikkat se bacha sakta hai. Maan lijiye ₹15 lakh ka loan 10% par 5 saal ke liye lena hai, toh EMI lagbhag ₹31,871 hai. Is hisaab se mahine ki net bachat kam se kam ₹47,800 ke aaspaas honi chahiye.

Excel mein EMI nikalne ke liye =PMT(rate/12, months, -principal) use kar sakte hain.

Processing fee aur guarantee ka kharcha

Bank of Maharashtra ke page ke mutabiq ₹5 lakh se zyada ke term loan par 1% processing fee aur ₹5 lakh se upar ke working capital par 0.35% saalana likha hai. Indian Bank ke Tarun Plus page ke mutabiq CGTMSE/CGFMU cover mandatory hai aur uska premium borrower bharta hai. Yaani loan ki asli cost mein ye extra kharche bhi shaamil hote hain. Sanction se pehle in sab ki list likhit mein maang lijiye.

6. Mudra loan dobara ke documents

Paisabazaar ke mutabiq Kishore aur Tarun loan ke liye aam taur par ye kaagaz lagte hain:

• Pehchaan ka saboot (voter ID, driving licence, PAN, Aadhaar, passport)
• Rehne ka saboot (bijli ka bill ya property tax receipt, 2 mahine se purana nahi)
• 6 mahine ka bank account statement
• ₹2 lakh ya usse zyada ke loan mein 2 saal ke financial statements aur tax returns
• Project report jo technical aur economic viability dikhaye
• Asset aur liability ka statement
• Constitution documents (partnership deed ya company ke documents, agar lage)

Dobara loan ke liye in kaagazon ke saath kuch aur cheezein jodiye. Ye practical salah hai, har bank ka official niyam nahi:

1. Pichle loan ka closure saboot. Loan poora chukane ke baad bank se "no dues" ya closure letter lijiye aur sambhaal kar rakhiye.
2. Pichle loan ka account statement. Isme dikhega ki aapne kishten samay par bharin.
3. Naya, update kiya hua project report. Isme pichle saal ka performance aur agle saal ka plan dikhaiye. MudraReady par ₹499 mein aap project report bana sakte hain.
4. Business growth ka saboot. Bikri, ITR, ya bank credits jo dikhayein ki business pehle se bada hua hai.
5. Naye loan ki zaroorat ka saboot. Jo bhi machine ya expansion lena hai, uska quotation.

Dobara mudra loan ke liye agar aapko GST ya Udyam ke baare mein sawal hai, toh iske liye alag se guide aa rahi hai. Abhi itna jaaniye ki IIFL ke ek guide ke mutabiq GST registration har MSME loan ke liye mandatory nahi hota, aur lender alag proof dekhte hain, jaise Udyam certificate, ITR, bank statement aur trade licence.

7. Mudra loan dobara ke liye bank kya dekhta hai

Mudra loan dobara lete waqt bank sirf naye plan ko nahi dekhta, balki aapka poora record dekhta hai. Mudra loan dobara kaise lein, iska jawab bank ke nazariye mein ye hai:

Bank kya dekhta hai	Kyun zaroori hai	Aap kya kar sakte hain
Pichle loan ka repayment record	Bank ke liye sabse bada bharosa	Samay par kisht, aur closure letter sambhaal ke rakhiye
Credit history	Finshots ke mutabiq default se CIBIL score affect hota hai. Paisabazaar ke mutabiq Kishore aur Tarun mein credit review ho sakta hai	Apna credit report check karein aur galtiyan theek karwayein
Business growth	Naya loan tabhi sahi jab business badh raha ho	Bikri aur munafe ka record dikhaiye
Naye loan ka istemal	Bank ko dikhana padta hai ki paisa kahan lagega	Quotation aur project report dijiye
EMI chukane ki taakat	DSCR ya monthly surplus se dekha jata hai	Net bachat EMI se 1.5 guna rakhein (planning rule)
Bank account ki halat	6 mahine ka statement dikhata hai ki aamdani aur kharcha kaisa chal raha hai	Business aur personal account alag rakhein

Agar aapka pehla loan time par chuka diya gaya hai, toh mudra loan dobara lene ka sabse bada kaam ho chuka hai. Agar pehla loan late chuka tha ya default hua tha, toh mudra loan default guide zaroor padhiye. Usme saaf hai ki default ke baad bank aur credit record par kya asar padta hai.

Business Standard ki 2019 ki ek report ke mutabiq RBI ne paaya tha ki kuch banks ne Mudra loans mein credit appraisal aur monitoring theek se nahi ki thi. Isliye banks aksar naye loan ke waqt zyada saavdhaan rehte hain. Aap jitna saaf record aur plan dikhayenge, utna asaan hoga.

8. Mudra loan dobara kaise lein: step by step

Second mudra loan ke liye ye 9 steps follow kijiye:

Step 1: Pichla loan poora chukayiye. Sabse pehle ye dekhiye ki saari kishten chuki hain ya nahi, aur koi baki to nahi.

Step 2: Closure saboot lijiye. Branch se "no dues certificate" ya closure letter maangiye.

Step 3: Apna credit report dekhiye. CIBIL ya kisi aur credit bureau se free ya paid report lekar dekhiye. Koi galti ho toh theek karwayein.

Step 4: Mudra loan dobara lene ka plan tay karein. Kitna chahiye aur kyun? Naya machine, doosri shop, ya working capital. Ye bhi socho ki aap kis shreni mein aate hain: Kishore, Tarun ya Tarun Plus.

Step 5: Naya project report banayein. Pichle saal ka performance aur agle 3-5 saal ka projection.

Step 6: Mudra loan dobara dene wale lenders se baat karein. Apne pehle lender ke saath, aur kisi doosre lender ke saath. Likhit mein poochiye: "Mere pehle Mudra loan ke baad main kitna naya loan le sakta hoon? Rate, tenure, processing fee aur guarantee ka premium kya hoga?"

Step 7: Documents jama karein. Upar ki list ke hisaab se.

Step 8: Apply karein. Bank branch mein ya Udyamimitra portal par. Application number sambhal kar rakhein. Status kaise dekhna hai, ye mudra loan status guide mein hai.

Step 9: Follow up karein. Agar bank bina wajah ke taalta hai, toh mudra loan complaint guide mein diya gaya ladder follow kijiye.

9. Loan badhane (enhancement) ya naya loan: kya behtar hai

Mudra loan dobara lene ke do tareeke hain: purane loan ki limit badhwana, ya poora naya loan lena. Ye dono ke apne fayde aur nuksan hain.

Pehlu	Limit badhwana (enhancement)	Naya loan
Kab sahi	Working capital ki zaroorat badhi ho, aur pehla loan chal raha ho	Pehla loan poora chukne ke baad
Process	Aksar usi bank mein, kam kaagaz	Poori nayi application
Fayda	Bank aapko jaanta hai, kaam jaldi ho sakta hai	Aap kisi bhi lender ko chun sakte hain
Dhyan rakhne wali baat	Bank ki policy aur existing loan ki condition par depend	Naye sire se credit check

Ye table aam samajh ke liye hai. Kaunsa tareeka aapke liye sahi hai, ye bank ki policy par depend karta hai. Dono ka likhit mein quote maang lijiye aur compare kijiye.

10. Mudra card ya working capital limit ka renewal

Agar aapka Mudra loan working capital ke roop mein tha, toh dobara loan ka matlab limit ka renewal bhi ho sakta hai. Bank of Maharashtra ke page ke mutabiq overdraft aur working capital limit saal mein ek baar renew hoti hai. Renewal ke waqt bank aapke pichle saal ke transactions aur repayment ko dekhta hai.

Renewal ke liye ye karein:

1. Renewal ki date phone mein likhiye.
2. Pichle saal ka bank statement aur bikri ka hisaab taiyar rakhiye.
3. Agar limit ko poora kabhi khaali nahi kiya, toh bank ko lag sakta hai ki aap uspar nirbhar hain. Isliye saal mein kuch time limit ko neeche laaiye.
4. Renewal ke saath limit badhwane ki request bhi de sakte hain, agar aapka business badha hai.

Mudra card ke baare mein detail Mudra card kya hai wali guide mein hai.

11. Ek kaalpanik udaharan: Neha ki bakery aur uska mudra loan dobara

Ye kahani kaalpanik hai. Naam aur jagah sirf samjhane ke liye li gayi hain.

Neha, Pune mein ek chhoti bakery chalati hai. 4 saal pehle usne ₹7 lakh ka Tarun category ka Mudra loan liya tha, ek oven, ek display counter aur working capital ke liye. Usne har kisht samay par bhari. Aakhri EMI ke din uski aankhon mein aansu aa gaye. Ye dukaan uski pehchaan ban chuki thi.

Ab bakery mein customers badh gaye. Usko ek doosre area mein ek aur shop kholni thi, saath mein ek naya oven aur ek delivery bike. Kul zaroorat lagbhag ₹15 lakh ki thi.

Usne mudra loan dobara lene ke baare mein bank se poocha. Manager ne kaha, "Tarun Plus ke baare mein poocho." Neha ne nahi jaana ki ye kya hai. Usne ghar jaakar dhoondha. Usne dekha ki Tarun Plus unke liye hai jinhone Tarun loan chuka diya hai. Wo bilkul wahi thi.

Usne dobara mudra loan ke liye ye kaam kiye. Branch se no dues certificate liya. Apna credit report dekha, sab theek tha. Ek naya project report banwaya jisme purani bakery ka pichle saal ka performance aur nayi shop ki projection thi. ₹15 lakh ka 10% par 5 saal ka loan EMI lagbhag ₹31,871 aati hai. Uski mahine ki net bachat ₹60,000 ke aaspaas thi, jo EMI ka 1.5 guna se zyada thi.

Usne bank ko ye bhi bataya ki wo CGFMU/CGTMSE ke premium ka kharcha samajhti hai. Bank officer ko plan pasand aaya. Process mein kuch hafte lage, par loan sanction hua.

Neha ne ek baat seekhi: mudra loan dobara tabhi aasan hota hai jab aapne pehla loan samay par chukaya ho aur kaagaz saaf rakhe ho. Wo kehti hai, "Maine pehla closure letter kahin gum nahi hone diya. Wahi sabse kaam aaya."

12. Mudra loan dobara lene mein 5 kaalpanik rejection cases aur unka hal

Ye saare cases kaalpanik hain. Naam aur sthaan sirf samjhane ke liye hain.

Case 1: Vikram, Nashik. "Pehla loan late chukaya."
Vikram ki pehle loan ki kai kishten late gayi thi. Doosre bank ne dobara loan dene se mana kar diya. Hal: usne pichle loan ki puri payment history aur ek naya, saaf plan dikhaya, aur ek chhote loan se shuruaat ki.

Case 2: Rekha, Ranchi. "Closure letter nahi."
Rekha ne pehla loan chuka diya tha par closure letter kahin kho gaya tha. Hal: usne branch se duplicate no-dues certificate liya.

Case 3: Faizal, Kochi. "Tarun Plus samjha, par Shishu tha."
Faizal ka pehla loan Shishu ₹40,000 ka tha. Usne seedha Tarun Plus ₹20 lakh maanga. Bank ne bataya ki Tarun Plus ke liye pehle Tarun loan chukana zaroori hai. Hal: usne Kishore shreni ka ek naya loan liya aur seedhi par chadhne ka plan banaya.

Case 4: Seema, Surat. "Business badha nahi."
Seema ne ₹3 lakh ka dobara loan maanga par uski bikri pichle saal se kam thi. Bank ne poocha ki paisa kyun chahiye. Hal: usne bataya ki ye working capital ke liye hai, aur ek chhota aur sahi amount maanga.

Case 5: Pankaj, Nagpur. "Agent ne dobara loan pakka karwane ke paise liye."
Pankaj ko ek agent ne bola ki wo dobara Tarun Plus pakka karwa dega. Usne ₹8,000 diye. Agent gayab ho gaya. Hal: usne 1930 par call kiya, cybercrime.gov.in par shikayat darj ki aur seedha bank branch mein jaakar apply kiya.

Second mudra loan mein zyadatar rejections kaagaz, record aur galat shreni ke chunav se hote hain, nahi ki scheme ke mana karne se.

13. Mudra loan dobara lene par fraud

Jab log dobara bada loan lene ki soch mein hote hain, tab fraud karne wale sabse zyada active hote hain. In nishaanon par dhyan dijiye:

• Koi aapse "Tarun Plus approval fee" ya "processing fee" advance mein maange.
• Koi bole ki "₹20 lakh ka Mudra loan guaranteed, pehle ₹X bhejiye."
• WhatsApp par "Mudra loan approval letter" aaye aur kisi mobile number par paisa bhejne ko kahe.

PIB Fact Check ne pehle aise fake letters ko flag kiya tha, jinme ₹5 lakh ke loan ke liye ₹350 aur ₹10 lakh ke liye ₹6,550 maange gaye the. Sanction se pehle kisi ko paisa dene ki zaroorat nahi hoti. Agar aap thagi ka shikaar ho jayein, toh 1930 par call karein aur cybercrime.gov.in par shikayat darj karein. Poori guide: mudra loan fraud se kaise bachein.

14. Mudra loan dobara ke 6 myths

Myth 1: Mudra loan sirf ek baar milta hai.
Sach: Aisi koi seedhi rok scheme mein nahi dikhti. Mudra loan dobara lene par faisla us lender ke haath mein hota hai jahan aap apply karte hain.

Myth 2: Tarun Plus sabko milta hai.
Sach: Indian Bank aur PIB ke mutabiq Tarun Plus un entrepreneurs ke liye hai jinhone Tarun category ka loan successfully chuka diya hai.

Myth 3: ₹20 lakh ka loan bina collateral milta hai, toh koi guarantee nahi chahiye.
Sach: Indian Bank ke mutabiq collateral Nil hai, par CGTMSE/CGFMU cover mandatory hai aur uska premium borrower bharta hai.

Myth 4: Pehla loan late bhi chukaya toh koi dikkat nahi.
Sach: Credit history ka asar dobara loan par padta hai. Finshots ke mutabiq default se CIBIL score affect hota hai.

Myth 5: Dobara loan ke liye kaagaz nahi chahiye.
Sach: Naya project report, bank statement aur financials lag sakte hain. Paisabazaar ke mutabiq Kishore aur Tarun mein ye maange jaate hain.

Myth 6: Agent se dobara loan jaldi mil jata hai.
Sach: Mudra loan ke liye kisi agent ko paisa dene ki zaroorat nahi hoti. Aisi maang fraud ka sanket hai.

15. Mudra loan dobara ke FAQs

1. Kya mudra loan dobara mil sakta hai?
Haan, mumkin hai. Dobara loan ke liye nayi application deni hoti hai aur lender faisla leta hai. Pehla loan samay par chukana sabse zaroori hai.

2. Pehla Mudra loan chukane ke baad dobara loan kaise lein?
Pehle closure saboot lijiye, credit report dekhiye, naya project report banayiye, aur do-teen lenders se baat karke apply kariye.

3. Tarun Plus mudra loan kya hai?
Tarun Plus ₹10 lakh se ₹20 lakh ki shreni hai jo un entrepreneurs ke liye hai jinhone Tarun category ka loan successfully chuka diya hai. PIB ke mutabiq ye limit 24 October 2024 se laagu hai.

4. Tarun Plus ki eligibility kya hai?
Indian Bank ke mutabiq pehle ka Tarun loan (₹5 lakh se ₹10 lakh) successfully chukaya hua hona chahiye.

5. Kya Shishu loan chukane ke baad seedha Tarun Plus mil sakta hai?
Aam taur par nahi. Tarun Plus ki eligibility Tarun loan chuka chuke borrowers ke liye hai. Pehle aapko Kishore ya Tarun shreni ka loan lena hoga.

6. Mudra loan 20 lakh ka interest rate kitna hota hai?
Indian Bank ke page par Tarun Plus ka rate 10.00% "at present" likha hai. Rate badalte rehte hain aur lender-wise alag hote hain. Aaj ka rate apne lender se poochiye.

7. Mudra loan 20 lakh ke liye collateral lagta hai?
Indian Bank ke mutabiq collateral Nil hai, sirf primary security. Par CGTMSE ya CGFMU cover mandatory hai aur uska premium borrower bharta hai.

8. Mudra loan 20 lakh ka tenure kitna hota hai?
Indian Bank ke page ke mutabiq term loan maximum 60 mahine ka hota hai, aur working capital har saal renew hoti hai.

9. Mudra loan dobara lene ke liye kaunse documents lagte hain?
Pehchaan aur address proof, 6 mahine ka bank statement, project report, asset-liability statement, aur loan amount ke hisaab se financials. Saath mein pichle loan ka closure saboot rakhiye.

10. Mudra loan dobara ke naam par fraud kaise pehchanein?
Agar koi advance fee ya processing fee maange, toh wo fraud hai. Turant 1930 par call karein aur cybercrime.gov.in par shikayat karein.

Sources

• PIB: Pradhan Mantri MUDRA Yojana document (October 2024), jisme Tarun Plus, CGFMU aur limit increase (24 October 2024) ka zikr hai
• Business Standard: Centre doubles Mudra loan ceiling to Rs 20 lakh under new category (October 2024)
• Indian Bank: PMMY Mudra Tarun Plus page (eligibility, rate, collateral, CGTMSE/CGFMU, tenure)
• Bank of Maharashtra: Pradhan Mantri Mudra Yojana page (rate formula, processing fees, overdraft renewal)
• Paisabazaar: Mudra loan documents
• Finshots: Are MUDRA loans failing banks and the government? (CIBIL effect)
• Business Standard (July 2019): RBI blames banks for Mudra loan defaults
• IIFL: MSME loan without GST registration
• PIB Fact Check: fake Mudra loan approval letters

Disclaimer

Ye guide sirf jaankari ke liye hai. Ye financial, legal ya banking advice nahi hai. Tarun Plus ki eligibility, interest rate, fees aur tenure har lender ke hisaab se badal sakte hain. EMI table sirf samajhne ke liye hai. Apne lender se likhit mein confirm karein. Is post ki kahaniyan aur cases kaalpanik hain. MUDRA ya kisi sarkari sanstha se iska koi sambandh nahi hai.

Last updated: 4 October 2026