PMMY
MUDRA Yojana
Up to ₹10 Lakh
For non-farm micro/small enterprises. Three tiers: Shishu (up to ₹50K), Kishore (₹50K–5L), Tarun (₹5L–10L). No collateral for Shishu/Kishore.
Bank Linkage & Loan Support
We remove every barrier between you and a bank loan — guiding you from first enquiry to final disbursement.
How It Works
Your 6-Step Path to a Bank Loan
Our team handles the complexity. You focus on your plans. Here's what the journey looks like from start to finish.
01
Register with KMK
Visit our office or contact us via WhatsApp. A counselor will explain all available programs and assess your needs.
02
Join or Form an SHG
If not already a member, you will be connected to an existing SHG or helped to form a new one in your area.
03
Build Your Savings Record
Maintain regular contributions for a minimum of 6 months. This forms the basis for your bank credit appraisal.
04
Document Preparation
Our team helps gather and verify all required documents: Aadhaar, bank passbook, photographs, income proof, and application forms.
05
Bank Application & Follow-up
We submit your application to the appropriate bank under the relevant scheme and follow up until sanction.
06
Loan Disbursement & Repayment Planning
On disbursement, we help you set up a sustainable repayment schedule aligned with your income cycle.
Am I Eligible?
Basic Eligibility Criteria
Most women qualify for at least one scheme. If you're unsure, contact us — our counselors assess your situation for free.
- Age 18–60 years, resident of Bihar
- Aadhaar card and bank account holder
- Active SHG member for at least 6 months
- Regular savings record in the group
- Intended use: income-generating activity
- No active default with any bank or MFI
Documents Needed
Documents We Help You Prepare
1
Aadhaar Card (original + photocopy)
2
Bank Account Passbook
3
2 Passport-sized Photographs
4
Voter ID / Ration Card (address proof)
5
SHG Passbook with savings records
6
Income Proof / Land Documents (if applicable)
7
Business Proof / Trade License (where needed)
8
Completed Application Form (we provide this)
Supported Schemes
Government Loan Schemes We Facilitate
We are experienced in facilitating loans under these flagship central and state government programs for women.
SHG-BLP
SHG Bank Linkage
₹1L–₹15L per group
NABARD-promoted scheme linking SHGs to bank credit. Credit equivalent to 4–8 times group savings corpus. KMK helps groups achieve bank-readiness.
Street Vendor Loan
PM SVANidhi
₹10K–₹50K
Working capital loan for street vendors. Three progressive stages. Enhanced limit on timely repayment. Cash-back incentive on digital payments.
SC/ST/Women
Stand-Up India
₹10L–₹1 Crore
For setting up greenfield enterprises. At least one SC/ST and one woman beneficiary per bank branch. Loans for manufacturing, services, or trading sector.
State Scheme
NRLM – DAY
Variable
Deendayal Antyodaya Yojana provides subsidized credit and training to SHGs under National Rural Livelihoods Mission. KMK is an empaneled partner.
Women Enterprise
Udyogini Scheme
Up to ₹3 Lakh
For women entrepreneurs in agri/allied and non-farm sectors. Subsidy of 20–30% available for SC/ST women. Age 18–55 years.
Our Banking Network
Partner Banks & Financial Institutions
State Bank of India
Bank of India
Bihar Gramin Bank
Uttar Bihar Gramin Bank
Bank of Baroda
Central Bank of India
NABARD
SIDBI
Punjab National Bank
Axis Bank MFI
Common Questions
Loan & Bank Support FAQ
For most bank-linked loan programs (especially NABARD SHG-BLP and government subsidized schemes), SHG membership is a prerequisite. However, individual MUDRA loans and Stand-Up India loans can sometimes be processed without SHG membership. Contact us to assess your specific case.
For new SHG members, the minimum timeline is 6 months of savings before bank linkage. Once your group is linked, individual loan processing takes 4–8 weeks depending on the bank. Our team actively follows up to keep timelines on track.
Rejection is not the end. Our team reviews the reasons, addresses documentation gaps, and reapplies — sometimes to a different bank or under a different scheme better suited to your profile. We do not charge any fee for this process.
KMK does not charge any fee for loan facilitation, document preparation, or counseling services. Our services are funded through NGO grants and partner programs. The only costs involved are those standard bank charges or stamp duties required by the bank.
Yes. Kisan Credit Cards, allied agri-business loans, and livestock/poultry loans are available through our banking partners. We also facilitate loans for agri-processing businesses under MUDRA and NABARD schemes.
Start Your Loan Journey Today
Our counselors are available Mon - Sat, 9am - 5pm. Reach us by phone, WhatsApp, or walk-in.