With the rapid progress of Multimodal Large Language Models (MLLMs), unified MLLMs that jointly perform image understanding and generation have advanced significantly. However, despite the inherent reasoning capabilities of unified MLLMs for self-reflection and self-refinement, their use in text-to-image generation remains largely underexplored. Meanwhile, existing multimodal reasoning-based image generation methods mostly rely on prompt augmentation or holistic image-text alignment judgments, without fine-grained reflection and refinement of detailed prompt attributes, leading to limited fine-grained control. To address this limitation, we propose FiRe, a Fine-grained Multimodal Reasoning method for enhanced image generation by MLLM. In specific, FiRe performs a fine-grained multi-step reasoning by first decomposing the prompt into key visual requirements and then self-judging their satisfaction in the generated image, followed by localized refinement according to self-generated precise feedback. In addition, to further strengthen the MLLM's multimodal reasoning ability, we introduce FiRe-GRPO, a reinforcement learning method tailored to FiRe. Since standard Group Relative Policy Optimization (GRPO) suffers from sparse, outcome-based rewards in multi-step reasoning, we formulate our reasoning process as a step-level decision-making problem, design step-specific rewards, and compute step-level advantages for granular credit assignment within GRPO. Extensive experiments demonstrate that FiRe consistently outperforms competitive text-to-image baselines, including existing reasoning-based methods, with particularly substantial gains on compositional text-to-image benchmarks.