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    <title>Pradhan Mantri Mudra Yojana (PMMY) — completes 10 glorious Years of empowering Small and Micro Entrepreneurs</title>
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    <description>PMMY provides staged, collateral free loans for non corporate, non farm micro and small entrepreneurs through banks, NBFCs, MFIs and other institutions, with categories Shishu, Kishor, Tarun and the new Tarun Plus reflecting growth stages. Interest rates follow central bank guidance, and the Credit Guarantee Fund for Micro Units (CGFMU) now covers enhanced loans including Tarun Plus to reduce lender risk and enable follow on financing for previously repaid borrowers, while targeted subventions and inclusion objectives prioritise women and marginalised communities.</description>
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