evidence: MUDRA Loan Yojana or Prandhan Mantri MUDRA Yojana is a government scheme for offering loans of up to Rs 10 lakh to micro enterprises through commercial banks, small finance banks, MFIs, RRBs and NBFCs. [...] Mudra loans are collateral-free loans of up to Rs 10 lakh offered to micro and small enterprises. The loan is covered under Credit Guarantee Fund for Micro Units (CGFMU) operated by National Credit Guarantee Trustee Company Limited (NCGTC) to improve credit access for the MSEs. Mudra loan borrowers can also avail MUDRA Card, a RuPay debit card, to manage the working capital portion of their loan. They can use the MUDRA Card for drawing cash from ATM or for making purchases through Point of Sale (POS) machines. [...] MUDRA offers a loan of up to Rs 10 lakhs without collateral security. The collateral is covered under Credit Guarantee Fund for Micro Units (CGFMU) operated by National Credit Guarantee Trustee Company Limited (NCGTC).