Post-Harvest Infrastructure & LoansCentralMode: Online DBT Portal
Pradhan Mantri MUDRA Yojana (PMMY): Collateral-Free Loans up to ₹10 Lakhs
मुद्रा योजना (डेयरी, मुर्गी पालन व एग्री व्यवसाय बिना गारंटी ₹10 लाख ऋण)
Nodal Authority: Ministry of Finance & SIDBI
PMMY enables enterprising farmers to finance high-income allied ventures—such as commercial dairy units, goat rearing, apiaries, and flour mills—without pledging land deeds.
Max Subsidy Cap
Collateral-free credit limit up to ₹10,00,000
Small/Marginal Share
No collateral or third-party guarantee required
Funding Pattern
100% Central : 0% State
Toll-Free Helpline
1800-180-1111
Subsidy Slabs by Farmer Category
| Farmer Social Category | Government Subsidy Share |
|---|---|
| Small & Marginal Farmers (< 2 Hectares) | No collateral or third-party guarantee required |
| Women Farmers | Special concession on interest rates under Mudra Mahila scheme |
| Scheduled Caste (SC) & Scheduled Tribe (ST) | Dedicated targets under Mudra micro-credit desks |
| General / Large Farmers (> 2 Hectares) | Loans up to ₹10,00,000 for allied agricultural enterprises |
Mandatory Eligibility Requirements
- Farmers engaging in non-farm or agri-allied activities (Dairy farming, Poultry, Bee-keeping, Fisheries, Agri-clinics, Custom hiring).
- Good credit history (CIBIL score > 650 preferred) with no willful bank defaults.
Step-by-Step Application Process
- 1Apply online on Udyamimitra portal or approach local public/private bank branch.
- 2Submit loan proposal under Shishu, Kishore, or Tarun category.
- 3Bank verifies business feasibility and sanctions term loan / cash credit within 10 to 14 days.
Required Documents Checklist
Identity & Address Proof (Aadhaar, Voter ID, PAN card)
Quotation for purchase of cattle, machinery, or processing gear
Proof of business premises / farm landholding proof
Direct Application Link
Udyamimitra PMMY Portal & Commercial Banks
Submit your application directly through the authorized government portal:
Open Official PortalFarmer Helpline: 1800-180-1111
Top Farmer Benefits
- Zero collateral requirement; guaranteed by Credit Guarantee Fund for Micro Units (CGFMU).
- Provides Mudra Debit Card for seamless ATM cash withdrawals and input purchases.
Other Post-Harvest Infrastructure & Loans Schemes
Check Your Complete State Entitlements
Enter your landholding acreage to match all eligible state and central agricultural subsidies.
Open Subsidy MatcherFAQ
Frequently asked questions
Collateral-free business and working capital loans up to ₹10 Lakhs across Shishu (up to ₹50k), Kishore (₹50k to ₹5L), and Tarun (₹5L to ₹10L). Specifically, small & marginal farmers receive No collateral or third-party guarantee required, while women and SC/ST farmers receive Special concession on interest rates under Mudra Mahila scheme. The maximum assistance is capped at Collateral-free credit limit up to ₹10,00,000.
Applicants must submit: Identity & Address Proof (Aadhaar, Voter ID, PAN card), Quotation for purchase of cattle, machinery, or processing gear, Proof of business premises / farm landholding proof. All documents must be clearly scanned and linked to your active Aadhaar-seeded bank account.
You can apply directly through Udyamimitra PMMY Portal & Commercial Banks (https://www.udyamimitra.in) or visit your local Common Service Center (CSC / VLE). Follow the step-by-step procedure: (1) Register with Aadhaar, (2) Upload land records and quotations, (3) Receive pre-sanction, and (4) Complete geotagged verification.
Key qualifying conditions include: Farmers engaging in non-farm or agri-allied activities (Dairy farming, Poultry, Bee-keeping, Fisheries, Agri-clinics, Custom hiring).; Good credit history (CIBIL score > 650 preferred) with no willful bank defaults..