Can I get a Mudra Loan with a low credit score?

Yes. Under the Pradhan Mantri MUDRA Yojana, lenders may consider factors beyond credit score, such as business viability, cash flow, and repayment capacity. While approval is possible, the eligible loan amount or terms may vary.

Is a top-up available on an existing Mudra Loan?

Some lenders may offer additional funding (top-up) to existing Mudra borrowers who maintain a good repayment track record and demonstrate further business funding needs. Eligibility depends on lender policy and loan performance.

How do I decide the right Mudra Loan tenure?

Loan tenure is typically aligned with your business cash flow and repayment ability. Most Mudra business loans offer flexible repayment periods, commonly ranging from 6 months up to 5 years, depending on loan type and lender terms.

How quickly is a Mudra Loan disbursed?

After application submission, document verification, and approval by the lender, disbursal can be completed quickly — often within a few hours to a few working days, depending on loan size and documentation readiness.

Can I estimate my EMI before applying?

Yes. Many Mudra lenders provide online EMI calculators that allow you to estimate monthly instalments based on loan amount, tenure, and interest rate — helping you plan repayments confidently.

Can Mudra Loans be used for medical or personal emergencies?

No. Mudra Loans are strictly meant for business and income-generating activities such as manufacturing, services, trading, or allied enterprises. They cannot be used for personal or medical expenses.

Who is eligible to apply for a Mudra Loan?

Indian citizens aged 18–65 years engaged in non-farm micro or small business activities — including shopkeepers, artisans, service providers, traders, manufacturers, and entrepreneurs — can apply through eligible lenders.

Do I need collateral for a Mudra Loan?

No. Mudra Loans are collateral-free and backed by government credit support through Micro Units Development and Refinance Agency Limited, making them accessible to small and first-time entrepreneurs.

Terms & Conditions – Sampatti Solutions

Please read these Terms and Conditions carefully before using Our Service.

Interpretation

Words with capitalized initials have meanings defined under the conditions below. These definitions apply equally whether used in singular or plural form.

Definitions

For the purposes of these Terms and Conditions:

Affiliate means any entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of shares or voting rights.

Country refers to: India.

Company (referred to as “the Company”, “We”, “Us”, or “Our”) refers to Sampatti Solutions.

Device means any device capable of accessing the Service, including a computer, mobile phone, or tablet.

Service refers to the Website.

Terms and Conditions (“Terms”) mean this agreement governing Your use of the Service.

Third-party Social Media Service means any services or content provided by third parties that may be displayed or made available through the Service.

Website refers to Sampatti Solutions, accessible at https://sampattisolutions.in/

You means the individual or legal entity accessing or using the Service.

Acknowledgment

These Terms and Conditions govern Your use of the Service and form a binding agreement between You and the Company.

By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, You must not use the Service.

You confirm that You are at least 18 years old. The Company does not permit individuals under 18 to use the Service.

Your use of the Service is also subject to Our Privacy Policy, which explains how We collect and use Your personal information. Please review it carefully before using the Service.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company.

We are not responsible for the content, privacy policies, or practices of any third-party websites. You acknowledge that the Company is not liable for any damage or loss arising from Your use of such external sites.

We recommend reviewing the terms and privacy policies of any third-party websites You visit.

Termination

We may suspend or terminate Your access to the Service immediately, without prior notice, if You breach these Terms.

Upon termination, Your right to use the Service will cease immediately.

Limitation of Liability

To the maximum extent permitted by law, the Company and its suppliers shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits, data, business interruption, or privacy loss arising from:

Use or inability to use the Service
Third-party software or services
Errors, interruptions, or inaccuracies

If liability is established, it shall be limited to the amount paid by You for the Service, or ₹8,000 if no payment was made.

Some jurisdictions do not allow certain liability limitations, so parts of this section may not apply to You.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind.

The Company disclaims all warranties, whether express or implied, including merchantability, fitness for a particular purpose, non-infringement, and accuracy or reliability.

We do not guarantee that the Service will meet Your requirements, be uninterrupted or error-free, be compatible with all systems, or be free from harmful components.

Where legal exclusions are not permitted, liability is limited to the maximum extent allowed by law.

Governing Law

These Terms shall be governed by the laws of India, without regard to conflict-of-law principles.

Your use of the Service may also be subject to applicable local, state, national, or international laws.

Dispute Resolution

If You have any concern or dispute regarding the Service, You agree to first attempt to resolve it informally by contacting the Company.

Severability and Waiver

Severability
If any provision of these Terms is found invalid or unenforceable, it will be modified to achieve its intent, and the remaining provisions will remain in effect.

Waiver
Failure to enforce any right or provision under these Terms does not constitute a waiver of that right.

Changes to These Terms

We may update or modify these Terms at any time. If changes are material, We will provide reasonable notice before they take effect.

By continuing to use the Service after updates become effective, You agree to the revised Terms.

If You do not agree with the updated Terms, You should stop using the Service.

Contact Us

If You have any questions about these Terms and Conditions, You may contact us by visiting https://sampattisolutions.in/