PMEGP vs Mudra Loan | 30 Second Mein Samjho
| Sawaal | Jawaab |
| PMEGP kya hai? | Subsidy scheme – government free paisa deti hai |
| Mudra kya hai? | Simple loan scheme – poora paisa wapas karna hai |
| PMEGP mein kitni subsidy? | 15% se 35% tak – free money |
| Mudra mein kitni subsidy? | Zero – koi free paisa nahi |
| Kaunsa jaldi milta hai? | Mudra (2-4 weeks) – PMEGP slow hai (2-4 months) |
| Kaunsa naye business ke liye? | PMEGP (sirf naye ke liye) – Mudra (naye aur existing dono) |
Sabse important baat: Agar aap SC/ST/OBC/Woman category mein ho aur rural area mein business laga rahe ho, toh PMEGP mein 35% subsidy milti hai. Matlab ₹10 lakh ke project pe ₹3.5 lakh free. Mudra mein zero.
👉 PMEGP apply kaise karein – step by step guide
Yeh Guide Kis Ke Liye Hai?
Agar aap confuse ho ki:
- PMEGP loan loon ya Mudra loan?
- Subsidy lena better hai ya fast approval?
- Mera business kaunsa scheme eligible hai?
- Kitna time lagega dono mein?
- Kis category mein kitna subsidy milega?
Toh yeh guide aapke liye hai.
Is guide mein hum cover karenge:
| Topic | Aapko Kya Milega |
| PMEGP kya hai (brief) | Scheme ka recap |
| Mudra kya hai (brief) | Scheme ka recap |
| Side by side comparison | 10+ parameters mein fark |
| Subsidy deep dive | Kitna free paisa milega |
| Kaunsa kab choose karein | Decision guide with scenarios |
| Real calculation example | ₹8 lakh project – dono schemes mein kitna bachta hai |
| Business type eligibility | Kaun sa business kis scheme mein aata hai |
| Application process difference | Time, effort, documents |
Chaliye shuru karte hain.
👉 Pehle apna project report banayein – ₹399 mein, 10 minutes mein
Part 1: PMEGP Kya Hai? (Simpe Language me Samho)
PMEGP ka full form hai Pradhan Mantri Employment Generation Programme.
Simple mein: Government aapko bank loan ke saath free paisa (subsidy) deti hai.
Key points:
| Feature | Detail |
| Maximum loan | Manufacturing: ₹50 lakh, Service: ₹20 lakh |
| Subsidy | 15% to 35% – free money, wapas nahi karna |
| Own contribution | 5% (special category) ya 10% (general) |
| Processing time | 2-4 months |
| Eligibility | Sirf naye businesses (existing not allowed) |
| Where to apply | kviconline.gov.in |
Example: ₹10 lakh ke project pe SC/ST/Woman category, rural area mein 35% subsidy = ₹3.5 lakh free. Aapko sirf ₹6 lakh pe EMI deni hai.
👉 Complete PMEGP guide – step by step application process
Part 2: Mudra Kya Hai? (Brief Recap)
Mudra ka full form hai Micro Units Development and Refinance Agency.
Simple mein: Bank aapko loan deti hai. Koi free paisa nahi. Poora loan wapas karna hai.
Key points:
| Feature | Detail |
| Maximum loan | Shishu: ₹50,000, Kishore: ₹5 lakh, Tarun: ₹10 lakh, Tarun Plus: ₹20 lakh |
| Subsidy | Zero (koi free paisa nahi) |
| Own contribution | 0% to 5% (CGTMSE cover se 0% bhi chal jaata hai) |
| Processing time | 2-4 weeks (fast) |
| Eligibility | Naye aur existing businesses dono |
| Where to apply | Any bank branch (SBI, PNB, BOB, etc.) |
Example: ₹10 lakh ke project pe Mudra loan liya toh poora ₹10 lakh wapas karna hai. Koi subsidy nahi.
👉 Complete Mudra loan guide – documents, eligibility, application
Part 3: Side by Side Comparison – PMEGP vs Mudra
Yeh table dekho. Fark clearly dikh jayega.
| Parameter | PMEGP Loan | Mudra Loan |
| Full form | Pradhan Mantri Employment Generation Programme | Micro Units Development and Refinance Agency |
| Maximum loan (manufacturing) | ₹50 lakh | ₹20 lakh (Tarun Plus) |
| Maximum loan (service) | ₹20 lakh | ₹20 lakh (Tarun Plus) |
| Subsidy | 15% to 35% – free money | Zero – koi subsidy nahi |
| Own contribution required | 5% (special category) or 10% (general) | 0% to 5% (CGTMSE cover) |
| Interest rate | 8.5% to 12% | 8.5% to 13% (similar) |
| Collateral required | ₹10 lakh tak nahi (CGFMU) | ₹10 lakh tak nahi (CGTMSE) |
| Processing time | 2-4 months (slow) | 2-4 weeks (fast) |
ELIGIBILITY
| Naya business | ✅ Yes | ✅ Yes |
| Existing business | ❌ No | ✅ Yes |
| Age limit | 18+ (no upper limit) | 18-65 years |
| Education required | 8th pass for larger projects | No education requirement |
BUSINESS TYPE
| Manufacturing | ✅ Yes (₹50L max) | ✅ Yes (₹20L max) |
| Service | ✅ Yes (₹20L max) | ✅ Yes (₹20L max) |
| Trading (kirana, medical store) | ❌ Not eligible | ✅ Yes |
AGRICULTURE
| Dairy, poultry, fishery | ✅ Yes (allied activities) | ✅ Yes |
| Pure farming | ❌ Not eligible | ✅ Yes (KCC) |
APPLICATION
| Where to apply | kviconline.gov.in (KVIC portal) | Any bank branch (SBI, PNB, BOB, etc.) |
| Documents needed | Detailed (10-12 documents) | Simple (6-8 documents) |
| Project report required | Yes – detailed DPR mandatory | Yes – required for Kishore/Tarun |
| EDP training | Compulsory (5-10 days) | Not required |
| Field visit | Yes (KVIC/DIC officer) | Sometimes (bank manager) |
PROCESS
| Steps | 8-10 steps | 4-5 steps |
| Agencies involved | KVIC, KVIB, DIC, Bank | Only bank |
| Approval authority | KVIC + Bank | Only bank |
| DISBURSEMENT | ||
| Phase 1 | Machinery (80-90%) | Full amount (often single disbursement) |
| Phase 2 | Working capital | – |
| Subsidy lock | 3 years TDR | No subsidy |
BEST FOR
| Naya business, large amount | ✅ Best | ✅ Good |
| Existing business expansion | ❌ Not eligible | ✅ Best |
| Trading business (kirana, medical) | ❌ Not eligible | ✅ Best |
| SC/ST/Women category | ✅ Best (high subsidy) | ✅ Good |
| Fast approval chahiye | ❌ Not best | ✅ Best |
| Subsidy chahiye | ✅ Best | ❌ Not available |
Part 4: Subsidy Deep Dive – Kitna Free Paise Ka Fark Hai?
Yeh PMEGP ka sabse bada advantage hai. Mudra mein zero subsidy.
Category-wise Subsidy Table (PMEGP)
| Aapki Category | Urban Area (City) | Rural Area (Gaon) |
| General (Open Category) | 15% | 25% |
| SC / ST / OBC | 25% | 35% |
| Women | 25% | 35% |
| Minority | 25% | 35% |
| Ex-servicemen | 25% | 35% |
| Differently abled | 25% | 35% |
Real Example – ₹10 Lakh Project
| Detail | General + Urban | SC/ST/Women + Rural |
| Total project cost | ₹10,00,000 | ₹10,00,000 |
| PMEGP subsidy | ₹1,50,000 free | ₹3,50,000 free |
| PMEGP own contribution | ₹1,00,000 (10%) | ₹50,000 (5%) |
| PMEGP bank loan | ₹7,50,000 | ₹6,00,000 |
| Mudra loan (no subsidy) | ₹10,00,000 | ₹10,00,000 |
| Fark (PMEGP better by) | ₹2,50,000 less loan | ₹4,00,000 less loan + ₹50,000 less own contribution |
Mudra se PMEGP kitna better hai?
- General + Urban category: ₹2.5 lakh kam loan dena hai + ₹1.5 lakh free subsidy
- SC/ST/Women + Rural category: ₹4 lakh kam loan dena hai + ₹3.5 lakh free subsidy + ₹50,000 kam own contribution
Itna bada fark hai. PMEGP worth it hai.
Part 5: Kaunsa Kab Choose Karein? (Decision Guide)
Scenario 1: Aap SC/ST/Woman/Minority Category Mein Ho
| Agar aap… | Toh choose karo… | Kyun? |
| Naya business start kar rahe ho | PMEGP | 25-35% subsidy milegi |
| Rural area mein business laga rahe ho | PMEGP | 35% subsidy (maximum) |
| Time hai (2-4 months wait kar sakte ho) | PMEGP | Free money ke liye wait worth it |
| Jaldi loan chahiye (2-4 weeks mein) | Mudra | Fast hai, lekin koi subsidy nahi |
Scenario 2: Aap General Category Mein Ho
| Agar aap… | Toh choose karo… | Kyun? |
| Naya business, ₹10 lakh+ loan chahiye | PMEGP | 15-25% subsidy milti hai |
| Rural area mein business | PMEGP | 25% subsidy |
| Urban area, small loan (<₹5 lakh) | Mudra | Fast approval, subsidy itni khaas nahi |
| Existing business expand karna hai | Mudra | PMEGP existing ke liye eligible nahi |
Scenario 3: Aapka Business Trading Hai (Kirana, Medical Store, Cloth Shop)
| Agar aap… | Toh choose karo… | Kyun? |
| Kirana/medical store/cloth shop | Mudra | PMEGP trading businesses ke liye eligible nahi |
| Wholesale business | Mudra | Same reason |
Scenario 4: Aap Existing Business Expand Kar Rahe Ho
| Agar aap… | Toh choose karo… | Kyun? |
| Existing business expand karna hai | Mudra | PMEGP sirf naye businesses ke liye hai |
| Purana business band karke naya start kar rahe ho | PMEGP | Eligible hai, lekin alag unit hona chahiye |
Scenario 5: Aapko Jaldi Loan Chahiye (2-4 Weeks Mein)
| Agar aap… | Toh choose karo… | Kyun? |
| Jaldi paisa chahiye | Mudra | 2-4 weeks mein ho jata hai |
| Time hai, subsidy chahiye | PMEGP | 2-4 months lagega, lekin free money milega |
Scenario 6: Aapka Business Manufacturing Hai
| Agar aap… | Toh choose karo… | Kyun? |
| Naya manufacturing unit, ₹10L+ | PMEGP | 15-35% subsidy, ₹50L max |
| Existing manufacturing expand | Mudra | PMEGP not eligible |
| Small manufacturing (<₹5L) | Mudra | Fast approval |
Part 6: Real Calculation Example – ₹8 Lakh Papad Unit
Sunita ji ka example lete hain. Woh rural area mein rehti hain, women category mein aati hain. Unhe ₹8 lakh ka papad manufacturing unit start karna hai.
Option 1: PMEGP Loan
| Component | Amount |
| Total project cost | ₹8,00,000 |
| Subsidy (35% – rural + woman) | ₹2,80,000 – FREE (wapas nahi karna) |
| Own contribution (5%) | ₹40,000 |
| Bank loan | ₹4,80,000 – sirf ispe EMI |
| Monthly EMI (5 years, 11%) | ~₹10,440 |
Option 2: Mudra Loan (Tarun Category)
| Component | Amount |
| Total project cost | ₹8,00,000 |
| Subsidy | ₹0 – koi free paisa nahi |
| Own contribution (0% CGTMSE cover) | ₹0 |
| Bank loan | ₹8,00,000 – poore pe EMI |
| Monthly EMI (5 years, 11%) | ~₹17,400 |
Comparison – Sunita Ji Ke Liye Kaunsa Better Hai?
| Parameter | PMEGP | Mudra | Winner |
| Free subsidy | ₹2,80,000 | ₹0 | PMEGP |
| Own contribution | ₹40,000 | ₹0 | Mudra (but ₹40,000 is small) |
| Bank loan amount | ₹4,80,000 | ₹8,00,000 | PMEGP |
| Monthly EMI | ₹10,440 | ₹17,400 | PMEGP |
| Total EMI in 5 years | ₹6,26,400 | ₹10,44,000 | PMEGP |
| Total saving | – | – | PMEGP saves ₹4,17,600 |
| Processing time | 2-4 months | 2-4 weeks | Mudra |
Conclusion: Sunita ji ke liye PMEGP is better despite longer wait time. She will save over ₹4 lakh in 5 years.
Part 7: Business Type Eligibility – Kaun Sa Business Kis Scheme Mein Aata Hai?
Manufacturing Businesses
| Business Example | PMEGP Eligible? | Mudra Eligible? | Best Scheme |
| Papad/pickle making | ✅ Yes | ✅ Yes | PMEGP (subsity) |
| Agarbatti making | ✅ Yes | ✅ Yes | PMEGP |
| Flour mill | ✅ Yes | ✅ Yes | PMEGP |
| Furniture making | ✅ Yes | ✅ Yes | PMEGP |
| Candle making | ✅ Yes | ✅ Yes | PMEGP |
| Readymade garment | ✅ Yes | ✅ Yes | PMEGP |
Service Businesses
| Business Example | PMEGP Eligible? | Mudra Eligible? | Best Scheme |
| Beauty parlour | ✅ Yes | ✅ Yes | PMEGP (if new) |
| Tailoring shop | ✅ Yes | ✅ Yes | PMEGP (if new) |
| Mobile repair | ✅ Yes | ✅ Yes | PMEGP (if new) |
| Coaching centre | ✅ Yes | ✅ Yes | PMEGP (if new) |
| Laundry service | ✅ Yes | ✅ Yes | PMEGP (if new) |
| Gym/fitness centre | ✅ Yes | ✅ Yes | PMEGP (if new) |
Trading Businesses (NOT Eligible for PMEGP)
| Business Example | PMEGP Eligible? | Mudra Eligible? | Best Scheme |
| Kirana store | ❌ No | ✅ Yes | Mudra |
| Medical store | ❌ No | ✅ Yes | Mudra |
| Cloth shop | ❌ No | ✅ Yes | Mudra |
| Hardware shop | ❌ No | ✅ Yes | Mudra |
| Stationery shop | ❌ No | ✅ Yes | Mudra |
| Electronic shop | ❌ No | ✅ Yes | Mudra |
Agriculture Allied Businesses
| Business Example | PMEGP Eligible? | Mudra Eligible? | Best Scheme |
| Dairy farm | ✅ Yes (allied) | ✅ Yes | PMEGP (if new) |
| Poultry farm | ✅ Yes (allied) | ✅ Yes | PMEGP (if new) |
| Fishery | ✅ Yes (allied) | ✅ Yes | PMEGP (if new) |
| Mushroom farming | ✅ Yes (allied) | ✅ Yes | PMEGP (if new) |
| Pure crop farming | ❌ No | ✅ Yes (KCC) | Mudra/KCC |
Part 8: Application Process Difference – Time, Steps, Effort
PMEGP Application Process (8-10 Steps)
| Step | Time |
| 1. DPR (project report) banayein | 30 minutes (MudraReady se) |
| 2. KVIC portal par register karein | 10 minutes |
| 3. Online form bharein | 1 hour |
| 4. Documents upload karein | 30 minutes |
| 5. KVIC/DIC scrutiny | 2-4 weeks |
| 6. EDP training complete karein | 5-10 days |
| 7. Bank file forward | 1-2 weeks |
| 8. Bank processing | 2-4 weeks |
| 9. Loan sanction | 1 week |
| 10. Disbursement | 1-2 weeks |
| Total time | 2-4 months |
Agencies involved: KVIC, KVIB, DIC, Bank (4 agencies)
Total steps: 8-10
Mudra Application Process (4-5 Steps)
| Step | Time |
| 1. Project report banayein (for Kishore/Tarun) | 30 minutes |
| 2. Bank branch visit karein | 2-4 hours |
| 3. Form fill karein | 30 minutes |
| 4. Documents submit karein | 30 minutes |
| 5. Bank processing aur disbursement | 2-4 weeks |
| Total time | 2-4 weeks |
Agencies involved: Only bank (1 agency)
Total steps: 4-5
👉 PMEGP step by step application guide – detailed process
Part 9: Documents Difference – Kya Extra Chahiye PMEGP Mein?
PMEGP Documents (10-12 Documents)
| Document | Mudra Mein Bhi Chahiye? |
| Aadhaar card | ✅ Yes |
| PAN card | ✅ Yes |
| 2 passport photos | ✅ Yes |
| Educational certificate (8th pass) | ❌ No (not required in Mudra) |
| Caste certificate (for subsidy) | ❌ No (no subsidy in Mudra) |
| Domicile certificate | ❌ No |
| Project report (DPR) | ✅ Yes (for Kishore/Tarun) |
| Business address proof | ✅ Yes |
| Quotations for machinery | ✅ Yes (recommended) |
| EDP training certificate | ❌ No (Mudra mein nahi chahiye) |
| Bank passbook (6 months) | ✅ Yes |
| Udyam Registration | ✅ Yes (recommended for both) |
Extra documents in PMEGP: 4-5 extra (education certificate, caste certificate, domicile, EDP certificate)
Frequently Asked Questions (FAQ)
Q1. PMEGP aur Mudra mein sabse bada fark kya hai?
Subsidy ka fark hai. PMEGP mein 15% se 35% tak free paisa milta hai. Mudra mein koi subsidy nahi. Doosra fark: PMEGP sirf naye businesses ke liye hai, Mudra existing businesses ke liye bhi. Teesra fark: PMEGP mein 2-4 months lagte hain, Mudra mein 2-4 weeks.
Q2. Kaunsa better hai – PMEGP ya Mudra?
Depends on aapki situation. Agar aap naya business start kar rahe ho aur time hai, toh PMEGP better hai kyunki subsidy milti hai. Agar aapko jaldi loan chahiye ya existing business expand kar rahe ho, toh Mudra better hai.
Q3. Kya PMEGP aur Mudra dono le sakte hain?
Nahi. Ek business ke liye ek hi scheme le sakte hain. Agar PMEGP le rahe ho toh same business ke liye Mudra nahi le sakte. Agar pehle Mudra liya hai aur chuka diya hai, toh naye business ke liye PMEGP apply kar sakte ho.
Q4. Kya kirana store ke liye PMEGP milta hai?
Nahi. PMEGP pure trading businesses (kirana, medical store, cloth shop) ke liye eligible nahi hai. Kirana store ke liye Mudra loan best option hai.
Q5. PMEGP mein kitni subsidy milti hai?
General category urban mein 15%, general category rural mein 25%. Special category (SC/ST/OBC/Women/Minority) urban mein 25%, special category rural mein 35%. Subsidy manufacturing mein ₹50L tak, service mein ₹20L tak.
Q6. Mudra loan mein kitni subsidy milti hai?
Zero. Mudra loan mein koi subsidy nahi hai. Poora loan wapas karna hota hai.
Q7. Kaunsa jaldi milta hai – PMEGP ya Mudra?
Mudra jaldi milta hai – 2-4 weeks mein. PMEGP slow hai – 2-4 months lagte hain. Kyunki PMEGP mein KVIC, DIC, aur bank teen agencies involve hain.
Q8. Kya existing business PMEGP ke liye apply kar sakta hai?
Nahi. PMEGP sirf naye businesses ke liye hai. Agar aapka business already chal raha hai, toh aap PMEGP apply nahi kar sakte. Existing business expansion ke liye Mudra loan lo.
Q9. SC/ST/Woman category ke liye kaunsa better hai?
PMEGP. Kyunki special category mein 25-35% subsidy milti hai. Mudra mein koi subsidy nahi. Example: ₹10 lakh ke project pe PMEGP mein ₹3.5 lakh free, Mudra mein zero.
Q10. PMEGP loan reject ho gaya toh Mudra apply kar sakte hain?
Haan. Agar PMEGP reject ho gaya (say due to subsidy unavailability ya category issues), toh Mudra loan apply kar sakte ho. Dono schemes alag alag hain.
Q11. PMEGP ke liye project report kahan se banayein?
MudraReady se banayein – ₹399 mein, 30 minutes mein. CA se banwayein toh ₹3,000-8,000 lagte hain aur 5-10 din lagte hain. MudraReady ka format bank-verified hai.
Q12. Mudra loan ke liye project report kahan se banayein?
MudraReady se bana sakte ho – ₹399 mein, 30 minutes mein. Same format dono schemes ke liye kaam karta hai (bas PMEGP mein subsidy calculation add karna hota hai).
👉 [Make project report for both schemes – 10 minutes, ₹399 only]
Part 11: Conclusion – Aapke Liye Kaunsa Sahi Hai?
Aapne poora comparison padh liya.
Quick summary table:
| Aapki Situation | Choose This | Kyun? |
| Naya business, SC/ST/Woman category, rural area | PMEGP | 35% subsidy – maximum free paisa |
| Naya business, general category, rural area | PMEGP | 25% subsidy – good free paisa |
| Naya business, general category, urban area, large loan | PMEGP | 15% subsidy – worth it for large loans |
| Naya business, small loan (<₹3L), urban area | Mudra | Fast approval, subsidy amount not huge |
| Existing business expansion | Mudra | PMEGP not eligible |
| Trading business (kirana, medical store) | Mudra | PMEGP not eligible |
| Fast approval chahiye (2-4 weeks) | Mudra | PMEGP takes 2-4 months |
| Subsidy chahiye (free paisa) | PMEGP | Mudra mein zero subsidy |
Mera personal recommendation:
| If you are… | Recommendation |
| SC/ST/Woman/Minority | Go for PMEGP. 25-35% subsidy is life-changing. The extra wait is worth it. |
| General category, rural area | Go for PMEGP. 25% subsidy is still excellent. |
| General category, urban area, loan > ₹7L | PMEGP. 15% subsidy on ₹7L+ is ₹1L+ free. |
| General category, urban area, loan < ₹3L | Mudra. Fast approval, subsidy amount not worth the wait. |
| Trading business | Mudra. No choice. |
| Existing business | Mudra. No choice. |
👉 Pehle project report banayein – ₹399 mein, 10 minutes mein. Phir scheme decide karein.
Related Guides
- PMEGP vs Mudra Loan – Kaunsa Behtar Hai? Detailed Comparison
- Mudra Loan Documents List 2026
- Mudra Loan Project Report Kaise Banaye — Complete Guide 2026
- Udyam Registration Kaise Karein – Free Guide – Udyam free mein karo
- DSCR Calculation – Complete Guide with Examples – DSCR samjho
- kirana Store Loan Guide – Mudra & MSME – Trading business ke liye
