Mudra Card is a novel credit instrument that allows borrowers to obtain credit in a convenient and flexible manner. It will offer the borrower with a working capital arrangement in the form of a CC or OD. Because the Mudra Card is a RuPay debit card, it may be used to withdraw cash from an ATM or a Business Correspondent, as well as make purchases at a POS machine. There is also the option of repaying the amount as and when additional cash becomes available, lowering the interest cost.