4. Which of the following statements regarding Pradhan Mantri Mudra Yojana (PMMY) is/are correct?
- It provides collateral-free loans up to ?10 lakh to small entrepreneurs engaged in non-farm activities.
- The scheme offers a direct capital subsidy to all borrowers.
- Loans are categorised into Shishu, Kishore, and Tarun based on loan amount and business stage.
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