SBI e Mudra Loan Apply Online: A Complete Guide for Small Business Owners
November 10, 2025
Are you a small-scale business owner in need of financing? This SBI E-Mudra Loan might be the best solution for you. The loan, which is offered from SBI, the State Bank of India (SBI), is part of the Pradhan Mantri Mudra Yajana (PMMY), designed to assist small and micro companies. The most appealing aspect? The best part is that you can SBI e Mudra Loan Apply Online which makes the process quick, simple and stress-free.
In this article we’ll guide you through all you must learn about the SBI e-Mudra Loan online procedure, its benefits and eligibility requirements, the required documents, and more.
What is SBI e-Mudra Loan?
The SBI Mudra e-Mudra Loan is an electronic variant of Mudra Loan offered through SBI as part of the Pradhan Mantri Mudra Yojana (PMMY). The loan assists small-scale firms that operate in the trade, manufacturing and service sectors with financial support that ranges from up to Rs 10 lakh.
The electronic-Mudra loan is designed specifically for small and micro-sized businesses who might not be able to access traditional sources of financing. With the option to apply for the SBI eMudra Loan online the application procedure has become easier and faster, with no formalities involved.
SBI e-Mudra Loan Features
| Feature | Details |
|---|---|
| Loan Amount | As high as Rs10 lakh depending on the business type (Shishu, Kishore, or Tarun). |
| Collateral | No collateral is required for loans of up to Rs10 lakh. |
| Interest Rate | Competitive interest rates that are linked to the MCLR (Marginal Cost of Funds). |
| Repayment Tenure | up as five Years in the case of Shishu or Kishore loans Flexible conditions to Tarun loans. |
| Loan Categories | Shishu (up to Rs50,000), Kishore (Rs50,000 to Rs5 lakh), Tarun (Rs5 lakh to Rs10 lakh). |
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How to Apply for SBI e Mudra Loan Online?
The SBI e-Mudra Loan application online procedure is simple and easy to use. Follow these instructions to submit your application for a loan:
Step-by-Step Process to Apply for SBI e-Mudra Loan
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Access the SBI Official Website
Visit the official SBI website and then navigate into the Mudra Loan section. Click”Apply Online” and click on the “Apply Online” button to apply for the online loan. -
Select the category of loan.
Choose the loan type which best fits your company stage:-
Shishu is for companies that are just beginning (up up to Rs50,000).
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Kishore Kishore: For firms that are already established, but require additional capital (Rs50,000 to 5 lakh).
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Tarun for expanding businesses that require substantial financing (Rs5 lakh to 10 lakhs).
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Fill in Your Information
Fill in the details of your private as well as business information including your name, the type of business you run the amount of loan required and the goal of the loan. -
Upload documents
Submit the required documents, such as:-
Aadhaar card and PAN card (for KYC).
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Business Documentation (GST registration Shop establishment certificate (GST registration, shop establishment certificate, etc. ).
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bank statements for the past one year (for loans of more than Rs50,000).
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EKYC verification
Verify this eKYC procedure using an Aadhaar ID card as well as OTP verification. -
Upload the Form
After you’ve filled in all the details and uploaded the required documents you need to review before submitting your form. -
Approval and disbursement
Following you have submitted an application SBI is going to verify your information. In the event that your application gets accepted the loan amount will be deposited directly into your account at the bank.
Eligibility Criteria for SBI e-Mudra Loan
Before submitting an application to the SBI electronic-Mudra loan Make sure you meet the eligibility criteria:
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Indian Citizenship It is the only way to get Indian citizens are qualified.
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Age The applicant must be the age of 18.
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Business type The loan is accessible to small and micro-sized companies that deal in trading, manufacturing and services, as well as allied agriculture-related activities.
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An existing bank account You must have an SBI current or savings accounts (existing customers may make an application directly).
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KYC Compliance KYC Compliance: To be eligible for this, you need to have current Aadhaar along with PAN cards.
Documents Required for SBI e-Mudra Loan Apply Online
For the application for SBI E-Mudra loan Make sure you have these documents
| Document | Required For |
|---|---|
| Aadhaar Card | To verify identity (eKYC). |
| PAN Card | To identify tax payers. |
| Business Proof | GST registration, shop establishment certificate, etc. |
| Bank Account Details | You will need your SBI account information to be used for the disbursement of the loan. |
| Income Proof | For loans of more than Rs50,000 Statements from banks from the last 6 month or financial statement. |
Why Apply for SBI e-Mudra Loan?
Here are a few of the main reasons the SBI E-Mudra Loan is a fantastic option for small-scale business owners:
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There is no collateral You don’t have to present any collateral when you apply for loans that exceed Rs10 lakh.
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Fast and Simple process It is the SBI online loan application on the internet process is entirely digital which makes it fast and easy with minimal documentation.
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Repayment Flexible The period of repayment can be extended to five years.
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affordable interest rates: SBI offers competitive interest rates that are linked to the MCLR that keeps interest costs minimal.
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Government backing as part of PMMY loan, it is supported by the federal government and this means lower interest rates and a greater likelihood of approval.
Conclusion: SBI e-Mudra Loan Apply Online
The SBI eMudra Loan Apply Online procedure is a great opportunity for small-scale entrepreneurs and business owners. With a simple application that doesn’t require collateral and a simple online application procedure it’s a simple method to receive the financial assistance you require to expand your company. If you’re just beginning or are looking to expand and expand, the SBI eMudra Loan can help you meet your objectives.