:root{
  --mudra-red:#b33a2f;
  --mudra-blue:#2e78a7;
  --mudra-yellow:#f2d56b;
  --ink:#111;
}

body{ background:#f6f6f6; }

/* ===== Top Strip ===== */
.top-strip{
  background:#fff;
  border-bottom:1px solid #e9e9e9;
  font-size:13px;
}
.top-strip .muted{ color:#666; }

.pill-btn{
  border:2px solid #d4483d;
  color:#d4483d;
  padding:10px 18px;
  border-radius:999px;
  font-weight:800;
  background:#fff;
  display:inline-flex;
  align-items:center;
  gap:10px;
  text-decoration:none;
  white-space:nowrap;
}
.pill-btn:hover{
  background:#fff1f0;
  color:#b02f25;
}

/* ===== Nav ===== */
.mudra-nav{
  background:var(--mudra-red);
  padding:0;
}
.mudra-nav .nav-link{
  color:#111 !important;
  font-weight:800;
  letter-spacing:.2px;
  padding:16px 14px !important;
  font-size:13px;
  text-transform:uppercase;
}
.mudra-nav .nav-link:hover{ color:#fff !important; }

/* ===== Hero ===== */
.hero-wrap{
  background:var(--mudra-blue);
  position:relative;
  overflow:hidden;
}
.hero-wrap .carousel-item{
  min-height:360px;
  background:var(--mudra-blue);
}
.hero-img{
  width:100%;
  height:360px;
  object-fit:cover;
  object-position:center;
  display:block;
  opacity:.98;
}

.floating-badge{
  position:absolute;
  top:18px;
  left:18px;
  z-index:5;
  width:96px;
  height:96px;
  border-radius:50%;
  background:linear-gradient(145deg,#ff6b5f,#b33a2f);
  box-shadow:0 14px 28px rgba(0,0,0,.18);
  display:grid;
  place-items:center;
  color:#fff;
  font-weight:900;
  text-align:center;
  font-size:12px;
  line-height:1.05;
  border:4px solid rgba(255,255,255,.65);
}

.carousel-indicators [data-bs-target]{
  width:10px; height:10px;
  border-radius:999px;
  background:#000;
  opacity:.45;
}
.carousel-indicators .active{
  opacity:1;
}

/* ===== News Ticker ===== */
.news-strip{
  background:var(--mudra-red);
  color:#fff;
  padding:10px 0;
  border-top:1px solid rgba(255,255,255,.15);
}

.ticker-row{
  display:flex;
  align-items:center;
  gap:14px;
}

.latest-label{
  font-weight:900;
  font-size:16px;
  white-space:nowrap;
}

.ticker-viewport{
  flex:1;
  overflow:hidden;
  position:relative;
  border-left:1px solid rgba(255,255,255,.25);
  padding-left:14px;
}

.ticker-track{
  display:inline-flex;
  align-items:center;
  gap:26px;
  white-space:nowrap;
  will-change:transform;
  transform:translateX(0);
}

.ticker-item{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-weight:700;
  font-size:14px;
  opacity:.95;
}
.ticker-item::before{
  content:"NEW";
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:36px;
  height:18px;
  font-size:11px;
  font-weight:900;
  background:#f6d26b;
  color:#000;
  border-radius:999px;
}

.ticker-controls{
  display:flex;
  gap:6px;
}
.tbtn{
  width:34px;
  height:28px;
  border:0;
  background:#f6d26b;
  color:#000;
  font-weight:900;
  border-radius:4px;
  cursor:pointer;
}
.tbtn:hover{ filter:brightness(.95); }

/* ===== Cards ===== */
.cards-section{
  background:#f2f2f2;
}
.mudra-card{
  background:var(--mudra-yellow);
  border-radius:10px;
  padding:36px 24px;
  min-height:260px;
  box-shadow:0 10px 26px rgba(0,0,0,.08);
  text-align:center;
  position:relative;
  overflow:hidden;
}
.mudra-card::after{
  content:"";
  position:absolute;
  inset:-30px;
  background:radial-gradient(circle at 20% 20%, rgba(255,255,255,.35), transparent 45%);
  pointer-events:none;
}

.icon-circle{
  width:62px;
  height:62px;
  border-radius:50%;
  background:rgba(255,255,255,.45);
  margin:0 auto 12px auto;
  display:grid;
  place-items:center;
  font-size:26px;
}

.card-title{
  font-weight:900;
  letter-spacing:.4px;
  margin-bottom:12px;
}

.card-text{
  max-width:520px;
  margin:0 auto;
  color:#222;
  font-size:14px;
  line-height:1.7;
}

/* Responsive */
@media (max-width: 768px){
  .hero-img{ height:260px; }
  .hero-wrap .carousel-item{ min-height:260px; }

  .ticker-row{ flex-wrap:wrap; }
  .ticker-controls{ margin-left:auto; }
}

/* =======================
   HEADER (Logo left | Right top info | Right login)
======================= */
.mudra-header{
  background:#fff;
  border-bottom:1px solid #e9e9e9;
  padding:10px 0;
}

.header-grid{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
}

/* Left logo */
.brand-col{
  display:flex;
  align-items:center;
  min-width:240px;
}
.brand-logo{
  height:56px;
  width:auto;
  display:block;
}

/* Right side */
.right-col{
  display:flex;
  flex-direction:column;
  align-items:flex-end;
  gap:10px;
  flex:1;
}

.top-info{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  justify-content:flex-end;
  gap:22px;
  font-size:18px;
  color:#6e6e6e;
  font-weight:600;
}

.a-btn{
  color:#333;
  font-weight:700;
}

/* login row */
.login-row{
  display:flex;
  justify-content:flex-end;
  width:100%;
}

/* login pill */
.pill-btn{
  border:3px solid #d4483d;
  color:#d4483d;
  padding:12px 24px;
  border-radius:999px;
  font-weight:900;
  background:#fff;
  display:inline-flex;
  align-items:center;
  gap:12px;
  text-decoration:none;
  white-space:nowrap;
  letter-spacing:.3px;
}
.pill-btn:hover{
  background:#fff1f0;
  color:#b02f25;
}

/* Mobile responsive */
@media (max-width: 992px){
  .header-grid{
    flex-direction:column;
    align-items:flex-start;
  }
  .right-col{
    align-items:flex-start;
    width:100%;
  }
  .top-info{
    justify-content:flex-start;
    font-size:15px;
    gap:14px;
  }
  .login-row{
    justify-content:flex-start;
  }
}

/* =========================
   PMMY SUMMARY + ACHIEVEMENTS
========================= */

.pmmysummary-section{
  background:#f5f5f5;
  padding:60px 0 70px;
}

.pmmysummary-top{
  text-align:center;
  max-width:1100px;
  margin:0 auto 60px auto;
}

.pmmysummary-title{
  font-weight:500;
  font-size:40px;
  color:#333;
  margin-bottom:18px;
}

.pmmysummary-text{
  font-size:18px;
  line-height:1.9;
  color:#3c3c3c;
  margin:0 auto;
}

.pmmysummary-link{
  color:#2a74c9;
  text-decoration:none;
}
.pmmysummary-link:hover{ text-decoration:underline; }

.pmmysummary-achievements{
  text-align:center;
}

.pmmysummary-subtitle{
  font-weight:500;
  font-size:38px;
  color:#333;
  margin-bottom:22px;
}

/* Card container */
.ach-card{
  max-width:1220px;
  margin:0 auto;
  padding:0;
}

/* Each row (yellow with dashed red border) */
.ach-row{
  background:#f1cf57;
  border:2px dashed #c6453f;
  display:grid;
  grid-template-columns: 1.4fr 60px 1fr;
  align-items:center;
  padding:18px 22px;
  margin:14px 0;
}

.ach-left{
  text-align:left;
  font-weight:700;
  font-size:20px;
  color:#1a1a1a;
}

.ach-mid{
  text-align:center;
  font-weight:900;
  font-size:22px;
  color:#1a1a1a;
}

.ach-right{
  text-align:left;
  font-weight:900;
  font-size:22px;
  color:#b13a35;
}

/* updated text */
.ach-updated{
  margin-top:10px;
  font-size:16px;
  color:#666;
}

/* Nav buttons */
.ach-nav{
  display:flex;
  justify-content:center;
  gap:22px;
  margin-top:18px;
}

.ach-btn{
  width:54px;
  height:54px;
  border:0;
  background:#f1c400;
  font-size:34px;
  font-weight:900;
  line-height:1;
  cursor:pointer;
  display:grid;
  place-items:center;
  border-radius:0;
  color:#111;
}
.ach-btn:hover{ filter:brightness(.95); }

/* Responsive */
@media (max-width: 992px){
  .pmmysummary-title{ font-size:30px; }
  .pmmysummary-subtitle{ font-size:28px; }
  .pmmysummary-text{ font-size:16px; }

  .ach-row{
    grid-template-columns: 1fr 30px 1fr;
    padding:14px 14px;
  }
  .ach-left{ font-size:16px; }
  .ach-mid{ font-size:18px; }
  .ach-right{ font-size:18px; }
}

/* =========================
   LINKS + PRODUCTS SECTION
========================= */
.mudra-panels{ background:#fff; }

/* top dark background */
.mudra-panels-top{
  padding:60px 0 50px;
  background:
    linear-gradient(rgba(0,0,0,.55), rgba(0,0,0,.55)),
    url("./bg-3.jpg"); /* optional bg image */
  background-size:cover;
  background-position:center;
}

/* panel card */
.panel-card{
  background:#fff;
  border:1px solid rgba(0,0,0,.08);
  box-shadow:0 14px 26px rgba(0,0,0,.18);
  height:100%;
  display:flex;
  flex-direction:column;
}

.panel-head{
  background:#b33a2f;
  color:#fff;
  font-weight:900;
  text-align:center;
  padding:16px 10px;
  letter-spacing:.4px;
  text-transform:uppercase;
}

.panel-body{
  padding:10px 0;
  flex:1;
}

.panel-link{
  padding:12px 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  text-decoration:none;
  color:#2a2a2a;
  font-weight:600;
  border-top:1px solid rgba(0,0,0,.04);
}
.panel-link:first-child{ border-top:0; }

.panel-link:hover{
  background:#f4f4f4;
}

.panel-link.active{
  background:#e9e9e9;
}

.panel-link .chev{
  color:#b33a2f;
  font-weight:900;
}

/* footer view all */
.panel-foot{
  background:#b33a2f;
  color:#fff;
  text-decoration:none;
  padding:14px 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.4px;
}
.panel-foot:hover{ filter:brightness(.95); }
.panel-foot .arrow{ font-size:20px; }

/* bottom section */
.mudra-panels-bottom{
  padding:60px 0;
  background:#ffffff;
}

/* loan cards */
.loan-card{
  text-decoration:none;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:14px;
  min-height:170px;
  border:1px solid rgba(0,0,0,.1);
  box-shadow:0 12px 24px rgba(0,0,0,.08);
  position:relative;
  overflow:hidden;
  padding:26px 18px;
  text-align:center;
}

.loan-card::before{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(90deg, rgba(180,60,50,.70), rgba(245,179,40,.75));
  z-index:0;
}

.loan-card .loan-content,
.loan-card .loan-icon{
  position:relative;
  z-index:1;
}

.loan-icon{
  width:64px;
  height:64px;
  border-radius:50%;
  background:#fff;
  display:grid;
  place-items:center;
  font-size:32px;
  font-weight:900;
  color:#b33a2f;
  box-shadow:0 10px 20px rgba(0,0,0,.12);
  margin-top:-50px;   /* icon overlapping top */
}

.loan-title{
  color:#fff;
  font-size:36px;
  font-weight:900;
  line-height:1;
  margin-top:6px;
}

.loan-sub{
  color:#fff;
  font-size:14px;
  font-weight:700;
  margin-top:8px;
}

/* hover */
.loan-card:hover{
  transform:translateY(-2px);
  transition:.2s ease;
}

/* optional different tint per card (still same feel) */
.loan-kishore::before{ background:linear-gradient(90deg, rgba(170,60,50,.75), rgba(245,179,40,.75)); }
.loan-tarun::before{ background:linear-gradient(90deg, rgba(160,55,50,.78), rgba(240,170,40,.78)); }
.loan-tarunplus::before{ background:linear-gradient(90deg, rgba(150,50,50,.78), rgba(235,160,45,.78)); }

/* responsive */
@media (max-width: 992px){
  .loan-title{ font-size:30px; }
  .loan-icon{ margin-top:-35px; }
}


/* =========================
   NOTICE BAR
========================= */
.mudra-notice{
  background:#c5534d;
  padding:26px 0;
  color:#fff;
  position:relative;
}
.mudra-notice::before{
  content:"";
  position:absolute;
  inset:0;
  background:url("./notice-bg.png");
  background-size:cover;
  background-position:center;
  opacity:.10;
  pointer-events:none;
}

.notice-grid{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:24px;
  position:relative;
  z-index:1;
}

.notice-text{ flex:1; }

.notice-p{
  margin:0 0 10px 0;
  font-size:14px;
  line-height:1.6;
  max-width:960px;
}

.notice-note{
  margin:0;
  font-size:16px;
  line-height:1.5;
  color:#1f1f1f;           /* dark text like screenshot */
  font-weight:700;
  font-style:italic;
}

.notice-cta{
  min-width:260px;
  display:flex;
  justify-content:flex-end;
}

.notice-btn{
  border:2px solid rgba(255,255,255,.85);
  color:#fff;
  text-decoration:none;
  padding:12px 18px;
  border-radius:999px;
  font-weight:900;
  white-space:nowrap;
  display:inline-flex;
  align-items:center;
  gap:10px;
}
.notice-btn:hover{ background:rgba(255,255,255,.12); }
.notice-btn .dd{ font-size:12px; opacity:.9; }

/* =========================
   RELATED LINKS
========================= */
.related-links{
  background:#fff;
  padding:26px 0 18px;
  border-bottom:1px solid #eee;
}
.related-title{
  font-weight:800;
  color:#333;
  margin-bottom:12px;
  font-size:18px;
}

.related-logos{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:34px;
  padding:6px 0 0;
}
.rlogo img{
  height:40px;
  width:auto;
  display:block;
  filter:grayscale(0%);
  opacity:.95;
}

/* =========================
   FOOTER
========================= */
.mudra-footer{
  background:#24272c;
  color:#e8e8e8;
  padding:34px 0 18px;
}

.footer-top{
  padding-bottom:18px;
  border-bottom:1px solid rgba(255,255,255,.08);
}

.footer-block{ height:100%; }

.footer-heading{
  color:#f0c84d; /* yellow heading */
  font-weight:900;
  text-transform:uppercase;
  margin-bottom:14px;
  letter-spacing:.4px;
}

.purpose-row{
  display:flex;
  gap:16px;
  align-items:flex-start;
}
.purpose-icon{
  width:70px;
  height:70px;
  object-fit:contain;
}
.purpose-text{
  margin:0;
  color:#d8d8d8;
  line-height:1.55;
}

.quick-menu{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px 28px;
}
.q-link{
  color:#e8e8e8;
  text-decoration:none;
  font-weight:700;
  opacity:.95;
}
.q-link:hover{ color:#fff; text-decoration:underline; }

.cin-text{
  color:#f0c84d;
  font-weight:900;
  margin-bottom:10px;
}

.office-text{
  color:#e2e2e2;
  line-height:1.6;
  font-weight:600;
}

/* Bottom */
.footer-bottom{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
  padding-top:16px;
  flex-wrap:wrap;
}

.footer-copy{
  color:#dcdcdc;
  line-height:1.6;
  font-weight:600;
}

.footer-link-red{
  color:#e2554c;
  text-decoration:none;
  font-weight:900;
}
.footer-link-red:hover{ text-decoration:underline; }

.footer-link{
  color:#dcdcdc;
  text-decoration:none;
}
.footer-link:hover{ text-decoration:underline; }

.footer-social{
  display:flex;
  align-items:center;
  gap:14px;
}
.soc{
  width:34px;
  height:34px;
  border-radius:4px;
  display:grid;
  place-items:center;
  background:#2f333a;
  color:#7fb2ff; /* bluish like icons */
  text-decoration:none;
  font-weight:900;
  font-size:18px;
}
.soc:hover{ filter:brightness(1.1); }

.visitor{
  color:#dcdcdc;
  font-weight:700;
}

/* Responsive */
@media (max-width: 992px){
  .notice-grid{ flex-direction:column; }
  .notice-cta{ justify-content:flex-start; }
  .quick-menu{ grid-template-columns:1fr; }
  .related-logos{ gap:18px; }
  .rlogo img{ height:34px; }
}