Info Tree handles this scheme end-to-end — eligibility, paperwork, filing, and follow-up until the money reaches your account.
Talk to a consultant →Overview
This guide is tailored for applicants in Silvassa. PMMY, launched in 2015, provides collateral-free credit to non-corporate, non-farm micro and small enterprises through scheduled commercial banks, RRBs, small finance banks, MFIs and NBFCs. It is one of the most widely used MSME schemes in India.
Why it matters
- Local support in Silvassa: Infotree's consultants understand the local business ecosystem and help Silvassa-based founders, MSMEs and entrepreneurs apply with confidence.
Key features
- Shishu: loans up to ₹50,000
- Kishore: loans from ₹50,001 to ₹5 lakh
- Tarun: loans from ₹5 lakh to ₹10 lakh
- Tarun Plus: loans up to ₹20 lakh for eligible borrowers who have successfully repaid earlier Tarun loans
- No collateral required; credit guarantee via CGFMU
Eligibility
- Any Indian citizen running or planning a non-corporate, non-farm micro-enterprise
- Manufacturing, trading, services, food processing, transport and allied activities
- Farm activities linked to agriculture are also included
Benefits
- Collateral-free credit up to ₹20 lakh
- Wide network: loans available through nearly all banks and NBFCs
- Credit guarantee coverage under CGFMU
- Faster processing for Shishu loans — often within days
Required documents
- ✓KYC: Aadhaar, PAN, address proof
- ✓Business proof: registration, GST, Udyam where applicable
- ✓Bank statements (6–12 months)
- ✓ITR for Kishore and Tarun categories
- ✓Quotations and purpose statement
Application process
- 1Choose categoryShishu, Kishore, Tarun or Tarun Plus based on the loan amount needed.
- 2Choose a lenderScheduled banks, RRBs, small finance banks, MFIs or NBFCs.
- 3ApplySubmit application via Jan Samarth portal or directly at the branch.
- 4AppraisalLender appraises the application; Shishu loans are typically faster.
- 5DisbursementLoan disbursed to your account, CGFMU cover activated.
Common pitfalls
- !Applying under the wrong category for your loan size
- !Weak purpose statement
- !Overstating needs without clear cashflow justification
FAQs
Conclusion
For businesses and entrepreneurs in Silvassa, Infotree Services Private Limited can guide your PMMY / Mudra application from eligibility to disbursement.
Ready to apply for PMMY / Mudra?
We prepare every document, file every form, and stay with you through sanction and disbursement.
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