Why Mudra Loan Gets Rejected: 7 Real Reasons & How to Fix Them | MSMEGyan<\/title>\n\n<style>\n \n body {\n font-family: Georgia, serif;\n max-width: 100%;\n margin: 0;\n padding: 0 4px;\n color: #2d2d2d;\n line-height: 1.8;\n}\n\n@media (max-width: 768px) {\n body {\n padding: 0 14px;\n }\n}\n h1 { font-size: 2rem; color: #1a1a1a; margin-bottom: 0.5rem; }\n h2 { font-size: 1.45rem; color: #1a1a1a; margin-top: 2.5rem; border-left: 4px solid #c8841a; padding-left: 12px; }\n h3 { font-size: 1.1rem; color: #444; margin-top: 1.2rem; }\n .meta { color: #777; font-size: 0.85rem; margin-bottom: 1.5rem; }\n .intro-box { background: #fdf6ec; border: 1px solid #e8c97a; border-radius: 8px; padding: 18px 22px; margin: 1.5rem 0; }\n .intro-box p { margin: 0; font-size: 1rem; }\n .toc { background: #f5f5f5; border-radius: 8px; padding: 18px 22px; margin: 1.5rem 0; }\n .toc h3 { margin-top: 0; color: #333; }\n .toc ol { margin: 0.5rem 0 0; padding-left: 20px; }\n .toc li { margin-bottom: 6px; }\n .toc a { color: #c8841a; text-decoration: none; }\n .reason-block { background: #fff; border: 1px solid #e4e4e4; border-radius: 10px; padding: 22px 26px; margin: 2rem 0; box-shadow: 0 2px 8px rgba(0,0,0,0.04); }\n .reason-number { display: inline-block; background: #c8841a; color: #fff; border-radius: 50%; width: 32px; height: 32px; line-height: 32px; text-align: center; font-weight: bold; font-size: 0.9rem; margin-right: 10px; vertical-align: middle; }\n .fix-box { background: #edf7f0; border-left: 4px solid #2e8b57; border-radius: 0 8px 8px 0; padding: 14px 18px; margin-top: 16px; }\n .fix-box strong { color: #2e8b57; }\n .warning-box { background: #fff8e6; border-left: 4px solid #c8841a; border-radius: 0 8px 8px 0; padding: 14px 18px; margin-top: 12px; }\n .image-placeholder { background: #f0f0f0; border: 2px dashed #ccc; border-radius: 8px; padding: 30px; text-align: center; margin: 1.2rem 0; color: #888; font-size: 0.85rem; }\n .image-placeholder strong { display: block; color: #555; margin-bottom: 6px; }\n .summary-table { width: 100%; 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}\n .checklist { list-style: none; padding: 0; }\n .checklist li::before { content: \"\u2705 \"; }\n .checklist li { margin-bottom: 6px; }\n .stat-bar { display: flex; gap: 16px; flex-wrap: wrap; margin: 1.5rem 0; }\n .stat-card { background: #1a1a2e; color: #fff; border-radius: 8px; padding: 16px 20px; flex: 1; min-width: 140px; text-align: center; }\n .stat-card .num { font-size: 1.6rem; font-weight: bold; color: #f0c040; }\n .stat-card .label { font-size: 0.8rem; color: #ccc; margin-top: 4px; }\n .translator-note { background: #e8f4fd; border: 1px solid #a8d4f0; border-radius: 8px; padding: 14px 18px; margin: 2rem 0; font-size: 0.85rem; color: #1a5276; display: none; }\n figure.wp-block-image {\n margin: 1.2rem auto;\n text-align: center;\n display: block;\n}\n\nfigure.wp-block-image img {\n display: block;\n margin: 0 auto;\n max-width: 100%;\n height: auto;\n border-radius: 8px;\n}\n\nfigure.wp-block-image figcaption {\n text-align: center;\n font-size: 0.82rem;\n color: #888;\n margin-top: 8px;\n font-style: italic;\n}\n<\/style>\n<\/head>\n<body>\n\n<figure class=\"wp-block-image size-full\">\n <img fetchpriority=\"high\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/why-mudra-loan-rejected-india.png\" \n alt=\"Small business owner confused about Mudra loan rejection in India\" \n title=\"Why Mudra Loan Gets Rejected in India\"\n width=\"1200\" \n height=\"630\"\n loading=\"eager\"\n decoding=\"async\"\n \/>\n<\/figure>\n\n\n<p class=\"meta\">\n \ud83d\udcc5 Published: May 2025 | \u2705 Verified from: mudra.org.in, pib.gov.in | \u23f1 Reading time: 9 minutes<br>\n \ud83c\udf10 Available in: <a href=\"#\">\u0939\u093f\u0902\u0926\u0940<\/a> | <a href=\"#\">\u09ac\u09be\u0982\u09b2\u09be<\/a> | <a href=\"#\">\u092e\u0930\u093e\u0920\u0940<\/a> | <a href=\"#\">\u0a97\u0ac1\u0a9c\u0ab0\u0abe\u0aa4\u0ac0<\/a> | <a href=\"#\">\u0ba4\u0bae\u0bbf\u0bb4\u0bcd<\/a> | <a href=\"#\">\u0c24\u0c46\u0c32\u0c41\u0c17\u0c41<\/a> | <a href=\"#\">\u0b13\u0b21\u0b3c\u0b3f\u0b06<\/a>\n<\/p>\n\n\n<div class=\"intro-box\">\n <p>You heard about the government’s Pradhan Mantri Mudra Yojana (PMMY). You walked into the bank with confidence. And then \u2014 rejection. If this happened to you, you are not alone. Thousands of Mudra loan applications are rejected every month across India. The good news: most rejections are fixable. This guide tells you exactly why \u2014 and what to do about it.<\/p>\n<\/div>\n\n\n<div class=\"stat-bar\">\n <div class=\"stat-card\">\n <div class=\"num\">\u20b920L<\/div>\n <div class=\"label\">Maximum Mudra loan (Tarun Plus)<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"num\">6 Cr+<\/div>\n <div class=\"label\">Mudra loans sanctioned in 2023\u201324<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"num\">45%<\/div>\n <div class=\"label\">Business loan applications rejected in India<\/div>\n <\/div>\n<\/div>\n<p style=\"font-size:0.78rem; color:#999;\">Sources: mudra.org.in | pib.gov.in | FlexiLoans MSME Report 2025<\/p>\n\n\n<div class=\"toc\">\n <h3>\ud83d\udccb What You Will Learn<\/h3>\n <ol>\n <li><a href=\"#reason1\">Low or no CIBIL score<\/a><\/li>\n <li><a href=\"#reason2\">Mismatched or incomplete documents<\/a><\/li>\n <li><a href=\"#reason3\">Business activity not eligible under PMMY<\/a><\/li>\n <li><a href=\"#reason4\">No proof of business operations<\/a><\/li>\n <li><a href=\"#reason5\">Existing loan default on record<\/a><\/li>\n <li><a href=\"#reason6\">Weak or missing business plan<\/a><\/li>\n <li><a href=\"#reason7\">Wrong category or unjustified loan amount<\/a><\/li>\n <\/ol>\n<\/div>\n\n\n<p>The Pradhan Mantri Mudra Yojana (PMMY) was launched on 8 April 2015 to provide collateral-free loans to small and micro businesses across India. The scheme offers four categories \u2014 Shishu (up to \u20b950,000), Kishore (up to \u20b95 lakh), Tarun (up to \u20b910 lakh), and Tarun Plus (up to \u20b920 lakh for repeat Tarun borrowers). Loans are not given by MUDRA directly \u2014 they are disbursed through banks, Regional Rural Banks (RRBs), Non-Banking Financial Companies (NBFCs), and Micro Finance Institutions (MFIs).<\/p>\n\n<p>This is the critical point many applicants miss: <strong>even though Mudra loans are government-backed, the lending decision is made entirely by the bank<\/strong>. The bank evaluates your creditworthiness, documents, business viability, and repayment capacity \u2014 just like any other loan. Being a government scheme does not guarantee approval.<\/p>\n\n<p>Below are the 7 most common and verified reasons why Mudra loans get rejected \u2014 and what you can do to fix each one.<\/p>\n\n\n<div class=\"reason-block\" id=\"reason1\">\n <h2><span class=\"reason-number\">1<\/span> Low or No CIBIL Score<\/h2>\n<figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/cibil-score-mudra-loan.png\" \n alt=\"CIBIL score ranges for Mudra loan eligibility in India\" \n title=\"CIBIL Score Impact on Mudra Loan Approval\"\n width=\"800\" \n height=\"400\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>A CIBIL score above 700 significantly improves your Mudra loan approval chances. Source: General banking practice across India.<\/figcaption>\n<\/figure>\n\n <p>Your CIBIL score is the first thing a bank checks when you apply for any loan \u2014 including a Mudra loan. CIBIL is a three-digit number ranging from 300 to 900 that reflects your credit behaviour: how consistently you repay loans, credit card bills, and EMIs.<\/p>\n\n <p>Although the official PMMY guidelines do not specify a minimum CIBIL score, the practical reality is different. Based on general banking practices across India:<\/p>\n\n <ul>\n <li><strong>Above 700:<\/strong> Good chances of approval<\/li>\n <li><strong>650\u2013699:<\/strong> Possible, but the bank will scrutinise other factors closely<\/li>\n <li><strong>Below 650:<\/strong> Most banks will reject the application<\/li>\n <li><strong>Below 600:<\/strong> Approval is nearly impossible<\/li>\n <\/ul>\n\n <p>Even a defaulted mobile EMI, a bounced cheque, or a missed credit card payment reduces your CIBIL score. The bank sees this as a pattern of financial indiscipline \u2014 and for an unsecured loan like Mudra, they cannot afford the risk.<\/p>\n\n <p>If you have no credit history at all \u2014 meaning you have never taken a loan or used a credit card \u2014 this also creates a problem. Banks have no data to assess your repayment behaviour.<\/p>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Check your CIBIL score for free at <a href=\"https:\/\/www.cibil.com\" target=\"_blank\" rel=\"nofollow noopener\">cibil.com<\/a> once a year.<\/li>\n <li>If your score is low due to past defaults, clear those dues first and wait 3\u20136 months before reapplying \u2014 your score improves after dues are settled.<\/li>\n <li>If you have no credit history, start small: take a low-limit credit card from your bank, use it for small purchases, and repay the full amount every month for 6 months. This builds your score.<\/li>\n <li>For Shishu loans (up to \u20b950,000), some banks and MFIs are more flexible on CIBIL. Apply at your home-branch bank where your salary or business account is maintained \u2014 they know your transaction history.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason2\">\n <h2><span class=\"reason-number\">2<\/span> Mismatched or Incomplete Documents<\/h2>\n\n <figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/mudra-loan-documents-checklist.png\" \n alt=\"Documents required for Mudra loan application in India\" \n title=\"Mudra Loan Documents Checklist \u2014 Aadhaar, PAN, Bank Passbook\"\n width=\"800\" \n height=\"450\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>Key documents required for Mudra loan application \u2014 Aadhaar, PAN card, bank passbook, and business proof.<\/figcaption>\n<\/figure>\n <p>Incomplete or mismatched documents are the single most common cause of Mudra loan rejection across India. Banks run strict Know Your Customer (KYC) checks. Even a small mismatch \u2014 like a different address on your Aadhaar card versus your shop’s rental agreement \u2014 can result in automatic rejection.<\/p>\n\n <p>Common document mismatches that cause rejection:<\/p>\n\n <ul>\n <li>Address on Aadhaar does not match address on rental agreement or utility bill<\/li>\n <li>Name on PAN card differs slightly from name on Aadhaar (e.g., middle name missing)<\/li>\n <li>Business address proof is outdated or in someone else’s name<\/li>\n <li>Bank statements submitted are not for the past 6 months as required<\/li>\n <li>Passport-size photographs are old or not of the required size<\/li>\n <li>For Kishore and Tarun loans: business plan or project report is missing<\/li>\n <\/ul>\n\n <div class=\"warning-box\">\n <strong>\u26a0\ufe0f Important:<\/strong> MUDRA does not engage any agents or middlemen. If anyone is charging you a fee to help with your Mudra loan application, it is a scam. Report it immediately. Applications are completely free at <a href=\"https:\/\/udyamimitra.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamimitra.in<\/a>.\n <\/div>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Update your Aadhaar address to match your current business or residential address at <a href=\"https:\/\/uidai.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">uidai.gov.in<\/a> before applying.<\/li>\n <li>Ensure your name is spelled identically on all documents. If there is a mismatch, file a correction with the relevant authority first.<\/li>\n <li>Collect bank statements for the last 6 months from your bank before applying \u2014 do not rely on downloaded PDFs that some banks reject.<\/li>\n <li>For Kishore and Tarun loans, a basic business plan is required \u2014 we cover this in Reason 6 below.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason3\">\n <h2><span class=\"reason-number\">3<\/span> Your Business Activity Is Not Eligible Under PMMY<\/h2>\n\n <p>Mudra loans are designed for <strong>non-farm, non-corporate income-generating activities<\/strong>. This means certain business types simply do not qualify \u2014 no matter how strong your application is. Many applicants are unaware of this restriction and face rejection without understanding why.<\/p>\n\n <p><strong>Activities that are NOT eligible for Mudra loans:<\/strong><\/p>\n <ul>\n <li>Crop loans and direct agricultural activities (farming, cultivation)<\/li>\n <li>Land improvement activities \u2014 canals, irrigation, wells<\/li>\n <li>Pure trading activities with no value addition (in some bank interpretations)<\/li>\n <li>Activities already funded under other specific government schemes<\/li>\n <\/ul>\n\n <p><strong>Activities that ARE eligible (illustrative list):<\/strong><\/p>\n <ul>\n <li>Shops, trading, and retail businesses<\/li>\n <li>Manufacturing units \u2014 food processing, textiles, handicrafts<\/li>\n <li>Service businesses \u2014 salons, tailoring, repair shops, DTP centres, courier services<\/li>\n <li>Transport vehicles \u2014 auto-rickshaws, taxis, e-rickshaws, small goods vehicles (commercial use only)<\/li>\n <li>Allied agricultural activities \u2014 poultry, dairy, beekeeping, fishery, agro-processing<\/li>\n <\/ul>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Before applying, confirm your business type is eligible at <a href=\"https:\/\/mudra.org.in\" target=\"_blank\" rel=\"nofollow noopener\">mudra.org.in<\/a>.<\/li>\n <li>If you are a farmer also running an allied activity (e.g., poultry or dairy alongside farming), the allied activity portion is eligible \u2014 apply specifically for that.<\/li>\n <li>If your primary activity is crop farming, Mudra is not the right scheme. Check the <a href=\"https:\/\/pmegp.kvic.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">PMEGP scheme<\/a> or Kisan Credit Card scheme instead.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason4\">\n <h2><span class=\"reason-number\">4<\/span> No Proof of Business Operations<\/h2>\n\n <figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/udyam-registration-mudra-loan.png\" \n alt=\"Udyam Registration certificate for Mudra loan eligibility India\" \n title=\"Udyam Registration Certificate \u2014 Required for Mudra Loan Application\"\n width=\"800\" \n height=\"450\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>Udyam Registration is free, takes under 30 minutes, and is the single most important document for any government MSME loan application.<\/figcaption>\n<\/figure>\n\n <p>One of the most underestimated reasons for rejection: the bank is not convinced that your business actually exists and is currently operating. For an unsecured loan with no collateral, the bank needs evidence that there is a real income-generating business behind the application.<\/p>\n\n <p>If you walk in with only your Aadhaar and PAN card and say “I want to start a business,” most banks will reject your Kishore or Tarun application. The bank needs to see:<\/p>\n <ul>\n <li>Udyam Registration certificate (increasingly required by most banks)<\/li>\n <li>GST registration (for businesses above the GST threshold)<\/li>\n <li>Shop and Establishment Act licence<\/li>\n <li>A current account with business transactions<\/li>\n <li>At least 6 months of business transaction history in your bank account<\/li>\n <\/ul>\n\n <div class=\"warning-box\">\n <strong>\u26a0\ufe0f Note on Shishu loans:<\/strong> For Shishu loans (up to \u20b950,000) aimed at starting a new business, the documentation requirement is simpler. Some banks will accept a clear business plan and KYC documents for new startups in the Shishu category.\n <\/div>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Get your <strong>Udyam Registration<\/strong> done first \u2014 it is completely free and takes under 30 minutes at <a href=\"https:\/\/udyamregistration.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamregistration.gov.in<\/a>. This is the single most important step before any government loan application. Read our full guide: <a href=\"https:\/\/msmegyan.in\/udyam-registration\/\">Udyam Registration \u2014 Complete Guide<\/a>.<\/li>\n <li>Open a dedicated current account for your business (separate from your personal savings account) and maintain it for at least 3\u20136 months with regular transactions before applying for Kishore or Tarun loans.<\/li>\n <li>Obtain a local business licence (Shop and Establishment Act) from your municipality \u2014 this is simple, low-cost, and accepted by all banks as business proof.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason5\">\n <h2><span class=\"reason-number\">5<\/span> Existing Loan Default on Your Record<\/h2>\n\n <p>This is the most direct rejection trigger. If you have defaulted on any previous loan \u2014 whether it is a personal loan, a home loan EMI, a previous Mudra loan, or even a small two-wheeler loan \u2014 the bank will see it in your CIBIL report and reject your application immediately.<\/p>\n\n <p>The official PMMY eligibility criteria state clearly: <em>the applicant must not have a history of defaulting on loans with any bank or financial institution.<\/em><\/p>\n\n <p>A default means you missed 3 or more consecutive EMI payments, and the loan was classified as a Non-Performing Asset (NPA) by the bank. Even if the default happened years ago, it stays on your CIBIL report for up to 7 years.<\/p>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Check your CIBIL report for any outstanding or defaulted loans. Download your free annual report at cibil.com.<\/li>\n <li>If a default exists, contact the lender and negotiate a settlement or full repayment. Once paid, request a No Objection Certificate (NOC) and ask the bank to update CIBIL.<\/li>\n <li>After settling a default, wait at least 6\u201312 months before reapplying for a Mudra loan. Your score improves gradually after settlement.<\/li>\n <li>If the default is wrongly reported (not your fault), raise a dispute directly with CIBIL \u2014 they are required to investigate and correct within 30 days.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason6\">\n <h2><span class=\"reason-number\">6<\/span> Weak or Missing Business Plan<\/h2>\n\n <p>For Kishore (above \u20b950,000) and Tarun (above \u20b95 lakh) category loans, banks require a basic business plan or project report. This is non-negotiable. Without it, your application will not move forward \u2014 regardless of your credit score or documents.<\/p>\n\n <p>Many applicants submit a vague one-page description like “I want to open a shop and sell goods.” Banks need much more than this. They want to understand:<\/p>\n <ul>\n <li>What exactly your business does and how it generates income<\/li>\n <li>How much money you need and for what specific purpose (machinery, raw materials, working capital)<\/li>\n <li>What your monthly income and expenses will be<\/li>\n <li>How you plan to repay the EMIs<\/li>\n <li>What your existing monthly revenue is (for existing businesses)<\/li>\n <\/ul>\n\n <figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/business-plan-mudra-loan-india.png\" \n alt=\"How to write a business plan for Mudra loan application\" \n title=\"Writing a Business Plan for Mudra Loan \u2014 Step by Step\"\n width=\"800\" \n height=\"450\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>A simple 2\u20133 page business plan with income estimate and repayment projection is sufficient for most Kishore and Tarun Mudra loan applications.<\/figcaption>\n<\/figure>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This \u2014 Simple Business Plan Outline<\/strong>\n <p>Your business plan does not need to be elaborate. For most Mudra loan applications, a 2\u20133 page document covering the following is sufficient:<\/p>\n <ol>\n <li><strong>Business description:<\/strong> What you do, where you operate, how long you have been in business<\/li>\n <li><strong>Purpose of loan:<\/strong> Exactly what you will buy with the money (e.g., “Purchase 1 industrial sewing machine for \u20b985,000”)<\/li>\n <li><strong>Monthly income estimate:<\/strong> How much revenue your business generates or will generate<\/li>\n <li><strong>Repayment plan:<\/strong> Show that your monthly income covers the EMI comfortably<\/li>\n <li><strong>Market information:<\/strong> Brief note on your customers and why there is demand<\/li>\n <\/ol>\n <p>Your nearest District Industries Centre (DIC) office provides free business plan templates. You can also download sample project reports from <a href=\"https:\/\/kviconline.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">kviconline.gov.in<\/a>.<\/p>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason7\">\n <h2><span class=\"reason-number\">7<\/span> Wrong Category or Unjustified Loan Amount<\/h2>\n\n <p>Applying for more than your business can justify is a common mistake \u2014 and a direct cause of rejection. If you are a first-time entrepreneur with no business history and no revenue, applying for a \u20b910 lakh Tarun loan is very unlikely to succeed. The bank sees no evidence that you can repay such an amount.<\/p>\n\n <p>Similarly, many applicants apply at the wrong type of institution. Mudra loans are available through:<\/p>\n <ul>\n <li>Public sector banks: SBI, PNB, Canara Bank, Bank of Baroda, Union Bank<\/li>\n <li>Private banks: HDFC Bank, ICICI Bank, Axis Bank<\/li>\n <li>Regional Rural Banks (RRBs)<\/li>\n <li>NBFCs and MFIs<\/li>\n <\/ul>\n\n <p>For small Shishu loans in rural areas, an MFI or RRB often has faster and more flexible processing than a large private bank. Going to a large private bank for a \u20b950,000 loan is not always the best strategy.<\/p>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li><strong>Start with the right category:<\/strong> New business with no revenue history \u2192 start with Shishu. Growing business with 1+ year history \u2192 apply for Kishore. Established business with strong revenue \u2192 apply for Tarun.<\/li>\n <li><strong>Match the loan amount to your need:<\/strong> Apply for exactly what you need for a specific purpose \u2014 not a round number you guessed. A request for \u20b978,000 for a specific machine (with a quotation) is more credible than a request for “\u20b91 lakh for business.”<\/li>\n <li><strong>Apply at the right institution:<\/strong> For Shishu loans, try MFIs or your local cooperative bank. For Kishore and Tarun, approach your home-branch public sector bank. Apply online at <a href=\"https:\/\/udyamimitra.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamimitra.in<\/a> to compare lender offers simultaneously.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<<div class=\"video-embed\">\n <h3>\ud83c\udfac Watch: How to Apply for Mudra Loan \u2014 Step by Step (Official Guide)<\/h3>\n <iframe \n width=\"100%\" \n height=\"400\" \n src=\"https:\/\/www.youtube.com\/embed\/LwMYQI7Rh0Y\" \n title=\"How to Apply for Mudra Loan \u2014 Pradhan Mantri Mudra Yojana (PMMY) Official Guide\"\n frameborder=\"0\" \n allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" \n allowfullscreen\n loading=\"lazy\"\n ><\/iframe>\n<\/div>\n\n\n<h2>Quick Reference: All 7 Reasons and Their Fixes<\/h2>\n<table class=\"summary-table\">\n <thead>\n <tr>\n <th>#<\/th>\n <th>Reason for Rejection<\/th>\n <th>How to Fix<\/th>\n <th>Time to Fix<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td>1<\/td>\n <td>Low CIBIL score (below 650)<\/td>\n <td>Clear dues, build credit history<\/td>\n <td>3\u201312 months<\/td>\n <\/tr>\n <tr>\n <td>2<\/td>\n <td>Mismatched \/ incomplete documents<\/td>\n <td>Update Aadhaar address, correct name mismatches<\/td>\n <td>1\u20134 weeks<\/td>\n <\/tr>\n <tr>\n <td>3<\/td>\n <td>Ineligible business activity<\/td>\n <td>Check eligible activity list at mudra.org.in<\/td>\n <td>Immediate<\/td>\n <\/tr>\n <tr>\n <td>4<\/td>\n <td>No proof of business operations<\/td>\n <td>Get Udyam Registration (free, 30 min)<\/td>\n <td>Same day<\/td>\n <\/tr>\n <tr>\n <td>5<\/td>\n <td>Existing loan default<\/td>\n <td>Settle dues, get NOC, wait 6\u201312 months<\/td>\n <td>6\u201318 months<\/td>\n <\/tr>\n <tr>\n <td>6<\/td>\n <td>Weak \/ missing business plan<\/td>\n <td>Write 2\u20133 page plan with revenue and repayment projection<\/td>\n <td>1\u20133 days<\/td>\n <\/tr>\n <tr>\n <td>7<\/td>\n <td>Wrong category \/ unjustified amount<\/td>\n <td>Start with right category, match amount to specific need<\/td>\n <td>Immediate<\/td>\n <\/tr>\n <\/tbody>\n<\/table>\n\n\n<h2>Your Pre-Application Checklist \u2014 Before You Walk Into the Bank<\/h2>\n<ul class=\"checklist\">\n <li>CIBIL score is above 650 (check at cibil.com)<\/li>\n <li>Udyam Registration is complete (udyamregistration.gov.in)<\/li>\n <li>Aadhaar address matches your business or home address<\/li>\n <li>PAN card name matches Aadhaar name exactly<\/li>\n <li>Business bank account has at least 3\u20136 months of transactions<\/li>\n <li>Bank statements for last 6 months are printed and ready<\/li>\n <li>Business proof is available (shop licence, Udyam certificate, GST if applicable)<\/li>\n <li>Business plan is written (for Kishore and Tarun loans)<\/li>\n <li>Loan amount is justified with a specific purpose (quotation if buying equipment)<\/li>\n <li>Business activity is on the eligible list at mudra.org.in<\/li>\n<\/ul>\n\n\n<div class=\"cta-box\">\n <h3>Check Your Mudra Loan Eligibility in 60 Seconds<\/h3>\n <p style=\"color:#ddd;\">Use MSMEGyan’s free eligibility calculator to find out which Mudra category you qualify for \u2014 Shishu, Kishore, Tarun, or Tarun Plus.<\/p>\n <a href=\"https:\/\/msmegyan.in\/mudra-loan-eligibility\/\">Check My Eligibility \u2192<\/a>\n<\/div>\n\n\n<h2>Related Guides on MSMEGyan<\/h2>\n<ul>\n <li>\ud83d\udccb <a href=\"https:\/\/msmegyan.in\/udyam-registration\/\">Udyam Registration \u2014 Complete Free Guide 2025<\/a><\/li>\n <li>\ud83c\udfed <a href=\"https:\/\/msmegyan.in\/pmegp\/\">PMEGP Loan \u2014 How to Get 15\u201335% Government Subsidy<\/a><\/li>\n <li>\ud83d\udee1\ufe0f <a href=\"https:\/\/msmegyan.in\/cgtmse\/\">CGTMSE \u2014 Collateral-Free MSME Loans Up to \u20b910 Crore<\/a><\/li>\n <li>\ud83d\udd28 <a href=\"https:\/\/msmegyan.in\/pm-vishwakarma\/\">PM Vishwakarma Yojana \u2014 Eligibility, Loan & Benefits<\/a><\/li>\n<\/ul>\n\n\n<h2>Frequently Asked Questions<\/h2>\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Can I reapply for a Mudra loan after rejection?<\/div>\n <div class=\"faq-a\">Yes. There is no mandatory waiting period after a Mudra loan rejection. However, you should identify and fix the exact reason for rejection before reapplying. Reapplying with the same documents to the same bank immediately is unlikely to produce a different result. Address the issue first \u2014 whether it is your CIBIL score, documents, or business plan \u2014 then reapply. You may also try a different lending institution.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Is there an official minimum CIBIL score for Mudra loans?<\/div>\n <div class=\"faq-a\">No. The official PMMY guidelines do not specify a minimum CIBIL score. However, in practice, most banks follow their own internal credit policies. A score above 700 significantly improves your chances. A score below 650 will likely result in rejection at most banks, though some MFIs and cooperative banks may be more flexible for small Shishu loans.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: How long does it take to get a Mudra loan approved?<\/div>\n <div class=\"faq-a\">For Shishu loans, the official PMMY guidelines indicate a processing time of 7 to 10 working days from the date of receipt of a complete application. For Kishore and Tarun loans, processing may take 2 to 4 weeks depending on the bank’s internal processes and whether additional verification is required.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Do I need a Udyam Registration to apply for a Mudra loan?<\/div>\n <div class=\"faq-a\">Udyam Registration is not officially mandated by PMMY guidelines for all Mudra loan categories. However, most banks now ask for it as standard business proof during KYC, especially for Kishore and Tarun loans. Getting your Udyam Registration done before applying is strongly recommended. It is free and takes under 30 minutes at udyamregistration.gov.in.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Where can I complain if my Mudra loan is wrongfully rejected?<\/div>\n <div class=\"faq-a\">If you believe your Mudra loan was wrongfully rejected, you can: (1) Write to the bank’s Regional Manager or Zonal Manager with your application details. (2) Use the bank’s official grievance portal. (3) File a complaint on the RBI’s Integrated Ombudsman portal at rbi.org.in. You can also contact the MUDRA helpline or visit your nearest District Industries Centre (DIC) for assistance.<\/div>\n<\/div>\n\n\n<h2>Conclusion<\/h2>\n<p>Getting rejected for a Mudra loan is discouraging \u2014 but it is rarely the end of the road. The seven reasons covered in this guide are all fixable. The most common issues \u2014 low CIBIL score, document mismatches, and lack of Udyam Registration \u2014 can be resolved within days or weeks.<\/p>\n\n<p>The single most important step you can take right now, regardless of your situation, is to <strong>get your Udyam Registration done<\/strong>. It is free, takes 30 minutes, and is the foundation of almost every government business loan scheme in India.<\/p>\n\n<p>Once you have fixed the relevant issues, apply online at <a href=\"https:\/\/udyamimitra.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamimitra.in<\/a> \u2014 India’s official government portal for Mudra loans \u2014 where you can compare offers from multiple lenders at once.<\/p>\n\n<div class=\"cta-box\">\n <h3>Ready to Apply? Check Your Eligibility First<\/h3>\n <p style=\"color:#ddd;\">MSMEGyan’s free Mudra loan eligibility checker tells you which category fits your business \u2014 in under 60 seconds.<\/p>\n <a href=\"https:\/\/msmegyan.in\/mudra-loan-eligibility\/\">Check Eligibility Free \u2192<\/a>\n<\/div>\n\n\n<p style=\"font-size:0.8rem; color:#999; border-top:1px solid #eee; padding-top:1rem; margin-top:2rem;\">\n <strong>Disclaimer:<\/strong> This article is for general informational purposes only. Loan approval is at the sole discretion of the lending institution. Scheme details are verified from official sources \u2014 mudra.org.in and pib.gov.in \u2014 as of May 2025. Please verify current guidelines at mudra.org.in before applying. MSMEGyan does not charge any fee for guidance or scheme information.\n<\/p>\n\n\n\n<\/body>\n<\/html>\n\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Why Mudra Loan Gets Rejected: 7 Real Reasons & How to Fix Them | MSMEGyan \ud83d\udcc5 Published: May 2025 | […]<\/p>\n","protected":false},"author":1,"featured_media":1343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[7],"tags":[],"class_list":["post-1340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-misc"],"_links":{"self":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts\/1340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/comments?post=1340"}],"version-history":[{"count":12,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts\/1340\/revisions"}],"predecessor-version":[{"id":1366,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts\/1340\/revisions\/1366"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/media\/1343"}],"wp:attachment":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/media?parent=1340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/categories?post=1340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/tags?post=1340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":1340,"date":"2026-05-09T10:59:00","date_gmt":"2026-05-09T10:59:00","guid":{"rendered":"https:\/\/msmegyan.in\/?p=1340"},"modified":"2026-05-10T07:01:56","modified_gmt":"2026-05-10T07:01:56","slug":"why-mudra-loan-gets-rejected","status":"publish","type":"post","link":"https:\/\/msmegyan.in\/te\/why-mudra-loan-gets-rejected\/","title":{"rendered":"Why Mudra Loan Gets Rejected: 7 Reasons And How to Fix them"},"content":{"rendered":"\n\n\n\n\n\nWhy Mudra Loan Gets Rejected: 7 Real Reasons & How to Fix Them | MSMEGyan<\/title>\n\n<style>\n \n body {\n font-family: Georgia, serif;\n max-width: 100%;\n margin: 0;\n padding: 0 4px;\n color: #2d2d2d;\n line-height: 1.8;\n}\n\n@media (max-width: 768px) {\n body {\n padding: 0 14px;\n }\n}\n h1 { font-size: 2rem; color: #1a1a1a; margin-bottom: 0.5rem; }\n h2 { font-size: 1.45rem; color: #1a1a1a; margin-top: 2.5rem; border-left: 4px solid #c8841a; padding-left: 12px; }\n h3 { font-size: 1.1rem; color: #444; margin-top: 1.2rem; }\n .meta { color: #777; font-size: 0.85rem; margin-bottom: 1.5rem; }\n .intro-box { background: #fdf6ec; border: 1px solid #e8c97a; border-radius: 8px; padding: 18px 22px; margin: 1.5rem 0; }\n .intro-box p { margin: 0; font-size: 1rem; }\n .toc { background: #f5f5f5; border-radius: 8px; padding: 18px 22px; margin: 1.5rem 0; }\n .toc h3 { margin-top: 0; color: #333; }\n .toc ol { margin: 0.5rem 0 0; padding-left: 20px; }\n .toc li { margin-bottom: 6px; }\n .toc a { color: #c8841a; text-decoration: none; }\n .reason-block { background: #fff; border: 1px solid #e4e4e4; border-radius: 10px; padding: 22px 26px; margin: 2rem 0; box-shadow: 0 2px 8px rgba(0,0,0,0.04); }\n .reason-number { display: inline-block; background: #c8841a; color: #fff; border-radius: 50%; width: 32px; height: 32px; line-height: 32px; text-align: center; font-weight: bold; font-size: 0.9rem; margin-right: 10px; vertical-align: middle; }\n .fix-box { background: #edf7f0; border-left: 4px solid #2e8b57; border-radius: 0 8px 8px 0; padding: 14px 18px; 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background: #c8841a; color: #fff; padding: 12px 28px; border-radius: 6px; text-decoration: none; font-weight: bold; margin-top: 10px; }\n .faq-item { border-bottom: 1px solid #eee; padding: 16px 0; }\n .faq-item:last-child { border-bottom: none; }\n .faq-q { font-weight: bold; color: #1a1a1a; margin-bottom: 8px; }\n .faq-a { color: #444; }\n .video-embed { background: #f5f5f5; border-radius: 10px; padding: 20px; text-align: center; margin: 2rem 0; border: 1px solid #ddd; }\n .checklist { list-style: none; padding: 0; }\n .checklist li::before { content: \"\u2705 \"; }\n .checklist li { margin-bottom: 6px; }\n .stat-bar { display: flex; gap: 16px; flex-wrap: wrap; margin: 1.5rem 0; }\n .stat-card { background: #1a1a2e; color: #fff; border-radius: 8px; padding: 16px 20px; flex: 1; min-width: 140px; text-align: center; }\n .stat-card .num { font-size: 1.6rem; font-weight: bold; color: #f0c040; }\n .stat-card .label { font-size: 0.8rem; color: #ccc; margin-top: 4px; }\n .translator-note { background: #e8f4fd; border: 1px solid #a8d4f0; border-radius: 8px; padding: 14px 18px; margin: 2rem 0; font-size: 0.85rem; color: #1a5276; display: none; }\n figure.wp-block-image {\n margin: 1.2rem auto;\n text-align: center;\n display: block;\n}\n\nfigure.wp-block-image img {\n display: block;\n margin: 0 auto;\n max-width: 100%;\n height: auto;\n border-radius: 8px;\n}\n\nfigure.wp-block-image figcaption {\n text-align: center;\n font-size: 0.82rem;\n color: #888;\n margin-top: 8px;\n font-style: italic;\n}\n<\/style>\n<\/head>\n<body>\n\n<figure class=\"wp-block-image size-full\">\n <img fetchpriority=\"high\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/why-mudra-loan-rejected-india.png\" \n alt=\"Small business owner confused about Mudra loan rejection in India\" \n title=\"Why Mudra Loan Gets Rejected in India\"\n width=\"1200\" \n height=\"630\"\n loading=\"eager\"\n decoding=\"async\"\n \/>\n<\/figure>\n\n\n<p class=\"meta\">\n \ud83d\udcc5 Published: May 2025 | \u2705 Verified from: mudra.org.in, pib.gov.in | \u23f1 Reading time: 9 minutes<br>\n \ud83c\udf10 Available in: <a href=\"#\">\u0939\u093f\u0902\u0926\u0940<\/a> | <a href=\"#\">\u09ac\u09be\u0982\u09b2\u09be<\/a> | <a href=\"#\">\u092e\u0930\u093e\u0920\u0940<\/a> | <a href=\"#\">\u0a97\u0ac1\u0a9c\u0ab0\u0abe\u0aa4\u0ac0<\/a> | <a href=\"#\">\u0ba4\u0bae\u0bbf\u0bb4\u0bcd<\/a> | <a href=\"#\">\u0c24\u0c46\u0c32\u0c41\u0c17\u0c41<\/a> | <a href=\"#\">\u0b13\u0b21\u0b3c\u0b3f\u0b06<\/a>\n<\/p>\n\n\n<div class=\"intro-box\">\n <p>You heard about the government’s Pradhan Mantri Mudra Yojana (PMMY). You walked into the bank with confidence. And then \u2014 rejection. If this happened to you, you are not alone. Thousands of Mudra loan applications are rejected every month across India. The good news: most rejections are fixable. This guide tells you exactly why \u2014 and what to do about it.<\/p>\n<\/div>\n\n\n<div class=\"stat-bar\">\n <div class=\"stat-card\">\n <div class=\"num\">\u20b920L<\/div>\n <div class=\"label\">Maximum Mudra loan (Tarun Plus)<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"num\">6 Cr+<\/div>\n <div class=\"label\">Mudra loans sanctioned in 2023\u201324<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"num\">45%<\/div>\n <div class=\"label\">Business loan applications rejected in India<\/div>\n <\/div>\n<\/div>\n<p style=\"font-size:0.78rem; color:#999;\">Sources: mudra.org.in | pib.gov.in | FlexiLoans MSME Report 2025<\/p>\n\n\n<div class=\"toc\">\n <h3>\ud83d\udccb What You Will Learn<\/h3>\n <ol>\n <li><a href=\"#reason1\">Low or no CIBIL score<\/a><\/li>\n <li><a href=\"#reason2\">Mismatched or incomplete documents<\/a><\/li>\n <li><a href=\"#reason3\">Business activity not eligible under PMMY<\/a><\/li>\n <li><a href=\"#reason4\">No proof of business operations<\/a><\/li>\n <li><a href=\"#reason5\">Existing loan default on record<\/a><\/li>\n <li><a href=\"#reason6\">Weak or missing business plan<\/a><\/li>\n <li><a href=\"#reason7\">Wrong category or unjustified loan amount<\/a><\/li>\n <\/ol>\n<\/div>\n\n\n<p>The Pradhan Mantri Mudra Yojana (PMMY) was launched on 8 April 2015 to provide collateral-free loans to small and micro businesses across India. The scheme offers four categories \u2014 Shishu (up to \u20b950,000), Kishore (up to \u20b95 lakh), Tarun (up to \u20b910 lakh), and Tarun Plus (up to \u20b920 lakh for repeat Tarun borrowers). Loans are not given by MUDRA directly \u2014 they are disbursed through banks, Regional Rural Banks (RRBs), Non-Banking Financial Companies (NBFCs), and Micro Finance Institutions (MFIs).<\/p>\n\n<p>This is the critical point many applicants miss: <strong>even though Mudra loans are government-backed, the lending decision is made entirely by the bank<\/strong>. The bank evaluates your creditworthiness, documents, business viability, and repayment capacity \u2014 just like any other loan. Being a government scheme does not guarantee approval.<\/p>\n\n<p>Below are the 7 most common and verified reasons why Mudra loans get rejected \u2014 and what you can do to fix each one.<\/p>\n\n\n<div class=\"reason-block\" id=\"reason1\">\n <h2><span class=\"reason-number\">1<\/span> Low or No CIBIL Score<\/h2>\n<figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/cibil-score-mudra-loan.png\" \n alt=\"CIBIL score ranges for Mudra loan eligibility in India\" \n title=\"CIBIL Score Impact on Mudra Loan Approval\"\n width=\"800\" \n height=\"400\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>A CIBIL score above 700 significantly improves your Mudra loan approval chances. Source: General banking practice across India.<\/figcaption>\n<\/figure>\n\n <p>Your CIBIL score is the first thing a bank checks when you apply for any loan \u2014 including a Mudra loan. CIBIL is a three-digit number ranging from 300 to 900 that reflects your credit behaviour: how consistently you repay loans, credit card bills, and EMIs.<\/p>\n\n <p>Although the official PMMY guidelines do not specify a minimum CIBIL score, the practical reality is different. Based on general banking practices across India:<\/p>\n\n <ul>\n <li><strong>Above 700:<\/strong> Good chances of approval<\/li>\n <li><strong>650\u2013699:<\/strong> Possible, but the bank will scrutinise other factors closely<\/li>\n <li><strong>Below 650:<\/strong> Most banks will reject the application<\/li>\n <li><strong>Below 600:<\/strong> Approval is nearly impossible<\/li>\n <\/ul>\n\n <p>Even a defaulted mobile EMI, a bounced cheque, or a missed credit card payment reduces your CIBIL score. The bank sees this as a pattern of financial indiscipline \u2014 and for an unsecured loan like Mudra, they cannot afford the risk.<\/p>\n\n <p>If you have no credit history at all \u2014 meaning you have never taken a loan or used a credit card \u2014 this also creates a problem. Banks have no data to assess your repayment behaviour.<\/p>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Check your CIBIL score for free at <a href=\"https:\/\/www.cibil.com\" target=\"_blank\" rel=\"nofollow noopener\">cibil.com<\/a> once a year.<\/li>\n <li>If your score is low due to past defaults, clear those dues first and wait 3\u20136 months before reapplying \u2014 your score improves after dues are settled.<\/li>\n <li>If you have no credit history, start small: take a low-limit credit card from your bank, use it for small purchases, and repay the full amount every month for 6 months. This builds your score.<\/li>\n <li>For Shishu loans (up to \u20b950,000), some banks and MFIs are more flexible on CIBIL. Apply at your home-branch bank where your salary or business account is maintained \u2014 they know your transaction history.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason2\">\n <h2><span class=\"reason-number\">2<\/span> Mismatched or Incomplete Documents<\/h2>\n\n <figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/mudra-loan-documents-checklist.png\" \n alt=\"Documents required for Mudra loan application in India\" \n title=\"Mudra Loan Documents Checklist \u2014 Aadhaar, PAN, Bank Passbook\"\n width=\"800\" \n height=\"450\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>Key documents required for Mudra loan application \u2014 Aadhaar, PAN card, bank passbook, and business proof.<\/figcaption>\n<\/figure>\n <p>Incomplete or mismatched documents are the single most common cause of Mudra loan rejection across India. Banks run strict Know Your Customer (KYC) checks. Even a small mismatch \u2014 like a different address on your Aadhaar card versus your shop’s rental agreement \u2014 can result in automatic rejection.<\/p>\n\n <p>Common document mismatches that cause rejection:<\/p>\n\n <ul>\n <li>Address on Aadhaar does not match address on rental agreement or utility bill<\/li>\n <li>Name on PAN card differs slightly from name on Aadhaar (e.g., middle name missing)<\/li>\n <li>Business address proof is outdated or in someone else’s name<\/li>\n <li>Bank statements submitted are not for the past 6 months as required<\/li>\n <li>Passport-size photographs are old or not of the required size<\/li>\n <li>For Kishore and Tarun loans: business plan or project report is missing<\/li>\n <\/ul>\n\n <div class=\"warning-box\">\n <strong>\u26a0\ufe0f Important:<\/strong> MUDRA does not engage any agents or middlemen. If anyone is charging you a fee to help with your Mudra loan application, it is a scam. Report it immediately. Applications are completely free at <a href=\"https:\/\/udyamimitra.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamimitra.in<\/a>.\n <\/div>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Update your Aadhaar address to match your current business or residential address at <a href=\"https:\/\/uidai.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">uidai.gov.in<\/a> before applying.<\/li>\n <li>Ensure your name is spelled identically on all documents. If there is a mismatch, file a correction with the relevant authority first.<\/li>\n <li>Collect bank statements for the last 6 months from your bank before applying \u2014 do not rely on downloaded PDFs that some banks reject.<\/li>\n <li>For Kishore and Tarun loans, a basic business plan is required \u2014 we cover this in Reason 6 below.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason3\">\n <h2><span class=\"reason-number\">3<\/span> Your Business Activity Is Not Eligible Under PMMY<\/h2>\n\n <p>Mudra loans are designed for <strong>non-farm, non-corporate income-generating activities<\/strong>. This means certain business types simply do not qualify \u2014 no matter how strong your application is. Many applicants are unaware of this restriction and face rejection without understanding why.<\/p>\n\n <p><strong>Activities that are NOT eligible for Mudra loans:<\/strong><\/p>\n <ul>\n <li>Crop loans and direct agricultural activities (farming, cultivation)<\/li>\n <li>Land improvement activities \u2014 canals, irrigation, wells<\/li>\n <li>Pure trading activities with no value addition (in some bank interpretations)<\/li>\n <li>Activities already funded under other specific government schemes<\/li>\n <\/ul>\n\n <p><strong>Activities that ARE eligible (illustrative list):<\/strong><\/p>\n <ul>\n <li>Shops, trading, and retail businesses<\/li>\n <li>Manufacturing units \u2014 food processing, textiles, handicrafts<\/li>\n <li>Service businesses \u2014 salons, tailoring, repair shops, DTP centres, courier services<\/li>\n <li>Transport vehicles \u2014 auto-rickshaws, taxis, e-rickshaws, small goods vehicles (commercial use only)<\/li>\n <li>Allied agricultural activities \u2014 poultry, dairy, beekeeping, fishery, agro-processing<\/li>\n <\/ul>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Before applying, confirm your business type is eligible at <a href=\"https:\/\/mudra.org.in\" target=\"_blank\" rel=\"nofollow noopener\">mudra.org.in<\/a>.<\/li>\n <li>If you are a farmer also running an allied activity (e.g., poultry or dairy alongside farming), the allied activity portion is eligible \u2014 apply specifically for that.<\/li>\n <li>If your primary activity is crop farming, Mudra is not the right scheme. Check the <a href=\"https:\/\/pmegp.kvic.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">PMEGP scheme<\/a> or Kisan Credit Card scheme instead.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason4\">\n <h2><span class=\"reason-number\">4<\/span> No Proof of Business Operations<\/h2>\n\n <figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/udyam-registration-mudra-loan.png\" \n alt=\"Udyam Registration certificate for Mudra loan eligibility India\" \n title=\"Udyam Registration Certificate \u2014 Required for Mudra Loan Application\"\n width=\"800\" \n height=\"450\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>Udyam Registration is free, takes under 30 minutes, and is the single most important document for any government MSME loan application.<\/figcaption>\n<\/figure>\n\n <p>One of the most underestimated reasons for rejection: the bank is not convinced that your business actually exists and is currently operating. For an unsecured loan with no collateral, the bank needs evidence that there is a real income-generating business behind the application.<\/p>\n\n <p>If you walk in with only your Aadhaar and PAN card and say “I want to start a business,” most banks will reject your Kishore or Tarun application. The bank needs to see:<\/p>\n <ul>\n <li>Udyam Registration certificate (increasingly required by most banks)<\/li>\n <li>GST registration (for businesses above the GST threshold)<\/li>\n <li>Shop and Establishment Act licence<\/li>\n <li>A current account with business transactions<\/li>\n <li>At least 6 months of business transaction history in your bank account<\/li>\n <\/ul>\n\n <div class=\"warning-box\">\n <strong>\u26a0\ufe0f Note on Shishu loans:<\/strong> For Shishu loans (up to \u20b950,000) aimed at starting a new business, the documentation requirement is simpler. Some banks will accept a clear business plan and KYC documents for new startups in the Shishu category.\n <\/div>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Get your <strong>Udyam Registration<\/strong> done first \u2014 it is completely free and takes under 30 minutes at <a href=\"https:\/\/udyamregistration.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamregistration.gov.in<\/a>. This is the single most important step before any government loan application. Read our full guide: <a href=\"https:\/\/msmegyan.in\/udyam-registration\/\">Udyam Registration \u2014 Complete Guide<\/a>.<\/li>\n <li>Open a dedicated current account for your business (separate from your personal savings account) and maintain it for at least 3\u20136 months with regular transactions before applying for Kishore or Tarun loans.<\/li>\n <li>Obtain a local business licence (Shop and Establishment Act) from your municipality \u2014 this is simple, low-cost, and accepted by all banks as business proof.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason5\">\n <h2><span class=\"reason-number\">5<\/span> Existing Loan Default on Your Record<\/h2>\n\n <p>This is the most direct rejection trigger. If you have defaulted on any previous loan \u2014 whether it is a personal loan, a home loan EMI, a previous Mudra loan, or even a small two-wheeler loan \u2014 the bank will see it in your CIBIL report and reject your application immediately.<\/p>\n\n <p>The official PMMY eligibility criteria state clearly: <em>the applicant must not have a history of defaulting on loans with any bank or financial institution.<\/em><\/p>\n\n <p>A default means you missed 3 or more consecutive EMI payments, and the loan was classified as a Non-Performing Asset (NPA) by the bank. Even if the default happened years ago, it stays on your CIBIL report for up to 7 years.<\/p>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li>Check your CIBIL report for any outstanding or defaulted loans. Download your free annual report at cibil.com.<\/li>\n <li>If a default exists, contact the lender and negotiate a settlement or full repayment. Once paid, request a No Objection Certificate (NOC) and ask the bank to update CIBIL.<\/li>\n <li>After settling a default, wait at least 6\u201312 months before reapplying for a Mudra loan. Your score improves gradually after settlement.<\/li>\n <li>If the default is wrongly reported (not your fault), raise a dispute directly with CIBIL \u2014 they are required to investigate and correct within 30 days.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason6\">\n <h2><span class=\"reason-number\">6<\/span> Weak or Missing Business Plan<\/h2>\n\n <p>For Kishore (above \u20b950,000) and Tarun (above \u20b95 lakh) category loans, banks require a basic business plan or project report. This is non-negotiable. Without it, your application will not move forward \u2014 regardless of your credit score or documents.<\/p>\n\n <p>Many applicants submit a vague one-page description like “I want to open a shop and sell goods.” Banks need much more than this. They want to understand:<\/p>\n <ul>\n <li>What exactly your business does and how it generates income<\/li>\n <li>How much money you need and for what specific purpose (machinery, raw materials, working capital)<\/li>\n <li>What your monthly income and expenses will be<\/li>\n <li>How you plan to repay the EMIs<\/li>\n <li>What your existing monthly revenue is (for existing businesses)<\/li>\n <\/ul>\n\n <figure class=\"wp-block-image size-full\">\n <img loading=\"lazy\" \n src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/05\/business-plan-mudra-loan-india.png\" \n alt=\"How to write a business plan for Mudra loan application\" \n title=\"Writing a Business Plan for Mudra Loan \u2014 Step by Step\"\n width=\"800\" \n height=\"450\"\n loading=\"lazy\"\n decoding=\"async\"\n \/>\n <figcaption>A simple 2\u20133 page business plan with income estimate and repayment projection is sufficient for most Kishore and Tarun Mudra loan applications.<\/figcaption>\n<\/figure>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This \u2014 Simple Business Plan Outline<\/strong>\n <p>Your business plan does not need to be elaborate. For most Mudra loan applications, a 2\u20133 page document covering the following is sufficient:<\/p>\n <ol>\n <li><strong>Business description:<\/strong> What you do, where you operate, how long you have been in business<\/li>\n <li><strong>Purpose of loan:<\/strong> Exactly what you will buy with the money (e.g., “Purchase 1 industrial sewing machine for \u20b985,000”)<\/li>\n <li><strong>Monthly income estimate:<\/strong> How much revenue your business generates or will generate<\/li>\n <li><strong>Repayment plan:<\/strong> Show that your monthly income covers the EMI comfortably<\/li>\n <li><strong>Market information:<\/strong> Brief note on your customers and why there is demand<\/li>\n <\/ol>\n <p>Your nearest District Industries Centre (DIC) office provides free business plan templates. You can also download sample project reports from <a href=\"https:\/\/kviconline.gov.in\" target=\"_blank\" rel=\"nofollow noopener\">kviconline.gov.in<\/a>.<\/p>\n <\/div>\n<\/div>\n\n\n<div class=\"reason-block\" id=\"reason7\">\n <h2><span class=\"reason-number\">7<\/span> Wrong Category or Unjustified Loan Amount<\/h2>\n\n <p>Applying for more than your business can justify is a common mistake \u2014 and a direct cause of rejection. If you are a first-time entrepreneur with no business history and no revenue, applying for a \u20b910 lakh Tarun loan is very unlikely to succeed. The bank sees no evidence that you can repay such an amount.<\/p>\n\n <p>Similarly, many applicants apply at the wrong type of institution. Mudra loans are available through:<\/p>\n <ul>\n <li>Public sector banks: SBI, PNB, Canara Bank, Bank of Baroda, Union Bank<\/li>\n <li>Private banks: HDFC Bank, ICICI Bank, Axis Bank<\/li>\n <li>Regional Rural Banks (RRBs)<\/li>\n <li>NBFCs and MFIs<\/li>\n <\/ul>\n\n <p>For small Shishu loans in rural areas, an MFI or RRB often has faster and more flexible processing than a large private bank. Going to a large private bank for a \u20b950,000 loan is not always the best strategy.<\/p>\n\n <div class=\"fix-box\">\n <strong>\u2705 How to Fix This<\/strong>\n <ul>\n <li><strong>Start with the right category:<\/strong> New business with no revenue history \u2192 start with Shishu. Growing business with 1+ year history \u2192 apply for Kishore. Established business with strong revenue \u2192 apply for Tarun.<\/li>\n <li><strong>Match the loan amount to your need:<\/strong> Apply for exactly what you need for a specific purpose \u2014 not a round number you guessed. A request for \u20b978,000 for a specific machine (with a quotation) is more credible than a request for “\u20b91 lakh for business.”<\/li>\n <li><strong>Apply at the right institution:<\/strong> For Shishu loans, try MFIs or your local cooperative bank. For Kishore and Tarun, approach your home-branch public sector bank. Apply online at <a href=\"https:\/\/udyamimitra.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamimitra.in<\/a> to compare lender offers simultaneously.<\/li>\n <\/ul>\n <\/div>\n<\/div>\n\n\n<<div class=\"video-embed\">\n <h3>\ud83c\udfac Watch: How to Apply for Mudra Loan \u2014 Step by Step (Official Guide)<\/h3>\n <iframe \n width=\"100%\" \n height=\"400\" \n src=\"https:\/\/www.youtube.com\/embed\/LwMYQI7Rh0Y\" \n title=\"How to Apply for Mudra Loan \u2014 Pradhan Mantri Mudra Yojana (PMMY) Official Guide\"\n frameborder=\"0\" \n allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" \n allowfullscreen\n loading=\"lazy\"\n ><\/iframe>\n<\/div>\n\n\n<h2>Quick Reference: All 7 Reasons and Their Fixes<\/h2>\n<table class=\"summary-table\">\n <thead>\n <tr>\n <th>#<\/th>\n <th>Reason for Rejection<\/th>\n <th>How to Fix<\/th>\n <th>Time to Fix<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td>1<\/td>\n <td>Low CIBIL score (below 650)<\/td>\n <td>Clear dues, build credit history<\/td>\n <td>3\u201312 months<\/td>\n <\/tr>\n <tr>\n <td>2<\/td>\n <td>Mismatched \/ incomplete documents<\/td>\n <td>Update Aadhaar address, correct name mismatches<\/td>\n <td>1\u20134 weeks<\/td>\n <\/tr>\n <tr>\n <td>3<\/td>\n <td>Ineligible business activity<\/td>\n <td>Check eligible activity list at mudra.org.in<\/td>\n <td>Immediate<\/td>\n <\/tr>\n <tr>\n <td>4<\/td>\n <td>No proof of business operations<\/td>\n <td>Get Udyam Registration (free, 30 min)<\/td>\n <td>Same day<\/td>\n <\/tr>\n <tr>\n <td>5<\/td>\n <td>Existing loan default<\/td>\n <td>Settle dues, get NOC, wait 6\u201312 months<\/td>\n <td>6\u201318 months<\/td>\n <\/tr>\n <tr>\n <td>6<\/td>\n <td>Weak \/ missing business plan<\/td>\n <td>Write 2\u20133 page plan with revenue and repayment projection<\/td>\n <td>1\u20133 days<\/td>\n <\/tr>\n <tr>\n <td>7<\/td>\n <td>Wrong category \/ unjustified amount<\/td>\n <td>Start with right category, match amount to specific need<\/td>\n <td>Immediate<\/td>\n <\/tr>\n <\/tbody>\n<\/table>\n\n\n<h2>Your Pre-Application Checklist \u2014 Before You Walk Into the Bank<\/h2>\n<ul class=\"checklist\">\n <li>CIBIL score is above 650 (check at cibil.com)<\/li>\n <li>Udyam Registration is complete (udyamregistration.gov.in)<\/li>\n <li>Aadhaar address matches your business or home address<\/li>\n <li>PAN card name matches Aadhaar name exactly<\/li>\n <li>Business bank account has at least 3\u20136 months of transactions<\/li>\n <li>Bank statements for last 6 months are printed and ready<\/li>\n <li>Business proof is available (shop licence, Udyam certificate, GST if applicable)<\/li>\n <li>Business plan is written (for Kishore and Tarun loans)<\/li>\n <li>Loan amount is justified with a specific purpose (quotation if buying equipment)<\/li>\n <li>Business activity is on the eligible list at mudra.org.in<\/li>\n<\/ul>\n\n\n<div class=\"cta-box\">\n <h3>Check Your Mudra Loan Eligibility in 60 Seconds<\/h3>\n <p style=\"color:#ddd;\">Use MSMEGyan’s free eligibility calculator to find out which Mudra category you qualify for \u2014 Shishu, Kishore, Tarun, or Tarun Plus.<\/p>\n <a href=\"https:\/\/msmegyan.in\/mudra-loan-eligibility\/\">Check My Eligibility \u2192<\/a>\n<\/div>\n\n\n<h2>Related Guides on MSMEGyan<\/h2>\n<ul>\n <li>\ud83d\udccb <a href=\"https:\/\/msmegyan.in\/udyam-registration\/\">Udyam Registration \u2014 Complete Free Guide 2025<\/a><\/li>\n <li>\ud83c\udfed <a href=\"https:\/\/msmegyan.in\/pmegp\/\">PMEGP Loan \u2014 How to Get 15\u201335% Government Subsidy<\/a><\/li>\n <li>\ud83d\udee1\ufe0f <a href=\"https:\/\/msmegyan.in\/cgtmse\/\">CGTMSE \u2014 Collateral-Free MSME Loans Up to \u20b910 Crore<\/a><\/li>\n <li>\ud83d\udd28 <a href=\"https:\/\/msmegyan.in\/pm-vishwakarma\/\">PM Vishwakarma Yojana \u2014 Eligibility, Loan & Benefits<\/a><\/li>\n<\/ul>\n\n\n<h2>Frequently Asked Questions<\/h2>\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Can I reapply for a Mudra loan after rejection?<\/div>\n <div class=\"faq-a\">Yes. There is no mandatory waiting period after a Mudra loan rejection. However, you should identify and fix the exact reason for rejection before reapplying. Reapplying with the same documents to the same bank immediately is unlikely to produce a different result. Address the issue first \u2014 whether it is your CIBIL score, documents, or business plan \u2014 then reapply. You may also try a different lending institution.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Is there an official minimum CIBIL score for Mudra loans?<\/div>\n <div class=\"faq-a\">No. The official PMMY guidelines do not specify a minimum CIBIL score. However, in practice, most banks follow their own internal credit policies. A score above 700 significantly improves your chances. A score below 650 will likely result in rejection at most banks, though some MFIs and cooperative banks may be more flexible for small Shishu loans.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: How long does it take to get a Mudra loan approved?<\/div>\n <div class=\"faq-a\">For Shishu loans, the official PMMY guidelines indicate a processing time of 7 to 10 working days from the date of receipt of a complete application. For Kishore and Tarun loans, processing may take 2 to 4 weeks depending on the bank’s internal processes and whether additional verification is required.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Do I need a Udyam Registration to apply for a Mudra loan?<\/div>\n <div class=\"faq-a\">Udyam Registration is not officially mandated by PMMY guidelines for all Mudra loan categories. However, most banks now ask for it as standard business proof during KYC, especially for Kishore and Tarun loans. Getting your Udyam Registration done before applying is strongly recommended. It is free and takes under 30 minutes at udyamregistration.gov.in.<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n <div class=\"faq-q\">Q: Where can I complain if my Mudra loan is wrongfully rejected?<\/div>\n <div class=\"faq-a\">If you believe your Mudra loan was wrongfully rejected, you can: (1) Write to the bank’s Regional Manager or Zonal Manager with your application details. (2) Use the bank’s official grievance portal. (3) File a complaint on the RBI’s Integrated Ombudsman portal at rbi.org.in. You can also contact the MUDRA helpline or visit your nearest District Industries Centre (DIC) for assistance.<\/div>\n<\/div>\n\n\n<h2>Conclusion<\/h2>\n<p>Getting rejected for a Mudra loan is discouraging \u2014 but it is rarely the end of the road. The seven reasons covered in this guide are all fixable. The most common issues \u2014 low CIBIL score, document mismatches, and lack of Udyam Registration \u2014 can be resolved within days or weeks.<\/p>\n\n<p>The single most important step you can take right now, regardless of your situation, is to <strong>get your Udyam Registration done<\/strong>. It is free, takes 30 minutes, and is the foundation of almost every government business loan scheme in India.<\/p>\n\n<p>Once you have fixed the relevant issues, apply online at <a href=\"https:\/\/udyamimitra.in\" target=\"_blank\" rel=\"nofollow noopener\">udyamimitra.in<\/a> \u2014 India’s official government portal for Mudra loans \u2014 where you can compare offers from multiple lenders at once.<\/p>\n\n<div class=\"cta-box\">\n <h3>Ready to Apply? Check Your Eligibility First<\/h3>\n <p style=\"color:#ddd;\">MSMEGyan’s free Mudra loan eligibility checker tells you which category fits your business \u2014 in under 60 seconds.<\/p>\n <a href=\"https:\/\/msmegyan.in\/mudra-loan-eligibility\/\">Check Eligibility Free \u2192<\/a>\n<\/div>\n\n\n<p style=\"font-size:0.8rem; color:#999; border-top:1px solid #eee; padding-top:1rem; margin-top:2rem;\">\n <strong>Disclaimer:<\/strong> This article is for general informational purposes only. Loan approval is at the sole discretion of the lending institution. Scheme details are verified from official sources \u2014 mudra.org.in and pib.gov.in \u2014 as of May 2025. Please verify current guidelines at mudra.org.in before applying. MSMEGyan does not charge any fee for guidance or scheme information.\n<\/p>\n\n\n\n<\/body>\n<\/html>\n\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Why Mudra Loan Gets Rejected: 7 Real Reasons & How to Fix Them | MSMEGyan \ud83d\udcc5 Published: May 2025 | […]<\/p>\n","protected":false},"author":1,"featured_media":1343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[7],"tags":[],"class_list":["post-1340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-misc"],"_links":{"self":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts\/1340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/comments?post=1340"}],"version-history":[{"count":12,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts\/1340\/revisions"}],"predecessor-version":[{"id":1366,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/posts\/1340\/revisions\/1366"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/media\/1343"}],"wp:attachment":[{"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/media?parent=1340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/categories?post=1340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/msmegyan.in\/te\/wp-json\/wp\/v2\/tags?post=1340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}