I get why you’re feeling frustrated. The Mudra scheme is meant to be collateral-free for loans up to ₹10 lakh—that’s the official deal. So, banks shouldn’t be asking for property or anything as collateral for that amount.

Sometimes, certain branches get a bit too cautious and make their own rules based on how they feel about risk. It might be a good idea to ask them to show you the specific policy in writing. Or, honestly, you could just try another SBI branch. It really can depend on who you’re chatting with.

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