PM Mudra Scheme Ke Tahat Loan Ke Liye Apply Kaise Kare

Koi bhi business ko start karne me mainly do chijon ki jarurat padti hai.

1.Business Idea

2.Seed Capital

Generally people ko business idea mil jata hai, lekin capital / money ki kami ki vajah se apne business idea par work nahi kar pate hai.

Yadi ve loan ki soche to unhe bank ki boring process follow karna padta hai, jo loan pas karane se pahle itne paper formalities karavate hai ki loan ki chah rakhane vala person dubara loan lena hi bhul jata hai.

Jab loan mil jata hai to maximum interest rate par monthly loan chukane ki chinta bani rahti hai. Vah loan ke chakkar me hi piss kar rah jata hai. Ab vo business kare kab?

• LIC Se Online Loan Kaise Le & Payment Kare?

Isi sab baton ko dekhate hue Indian Government ne 8 April 2015 ko Pradhan Mantri Mudra Scheme ki shuruaat ki. Jiske tahat koi bhi new and small business man loan le sakte hai.

Is scheme ke liye Indian Govt. ne Micro Units Development and Refinance Agency Ltd Company ko found kiya.

Jisse aap direct loan nahi le sakte hai, balki aapko nearest bank me jana hoga. Ye company us bank ko refund kar deti hai.

Mudra Loan Ke Liye Apply Kaise Kare

PM Mudra Loan Yojana Ke Benefit

Is scheme se loan lene ka sabse bada benefit hai ki loan lene ki easy process, jisse aap easily new business setup ke liye le sakte hai. Iske alava iske kai benefit hai –

1.No Guarantee – is scheme ki sabse badi khasiyat hai ki aap bina kisi Guarantee ke loan le sakte hai. Bas aapke essential paper jaise (id & address proof) sahi hone chahiye.

2.No Processing Charge – Processing charge na lagane ka matalab hai ki aapko loan ke pure paise milane vale hai. Yani dusre financial institution se loan ki tulana me cheap padega.

3.Flexible Repayment of Loan – LIC loan ki tarah is scheme me aapko loan chukane ki freedom milti hai. Vaise loan chukane ka time 5 year hai, but aap 7 year me loan chukka sakte hai.

4.Mudra Card – is scheme ke tahat Mudra Card milta hai, jo Debit Card / ATM Card ki tarah work karta hai. Aap Mudra Card se Loan ka 10% amount withdraw kar sakte hai. Isse business ke liye working capital ki need fulfill ki ja sakti hai.

• Dhani App Kya hai & Kaise 3 Minute Me Loan Le Sakte Hai ?

Type of Mudra Loan

Is scheme me sabhi bade – chhote business man ko dhyan me rakhkar tin tarah ke loan ki peshkash ki jati hai-

1.Shishu Loan – Yah Loan chhote kism ke business men ke liye hai. Is loan me maximum Rs 50,000 aur minimum Rs 30,000 milta hai.

2.Kishor Loan – Is tarah ke loan me Rs 50,000 -5,00,000 tak money milta hai, jo middle class business man ke liye suitable hai.

3.Tarun Loan – Is loan ke tahat Rs 5,00,000-10,00,000 money milta hai. Jo big business ke liye hai. 

Mudra Loan Par Interest Rate Kya Hai

Mudra Loan Scheme ke liye Govt. ne koi interest fix nahi kiya hai. Kisi bhi laon ke liye interest rate decide karane ki responsibility bank ko de di gai hai. Jise bank aapke business ke risk, profit possibility ke base par decide karega. Vaise generally interest rate 11-12% hai.

Kaun Kaun Bank & Financial Institution Mudra Loan Provide Karta Hai

Filhal is scheme ke tahat ye institutions loan dete hai

1.27 Public Bank

2.17 Private Bank

3.31 Rural Bank

4.4 Co-operative Bank

5.36 Micro Finance Institutions

6.25 Non Banking Finance Institutions

Details me yaha jane

Shortlist of Lending Institutions 

Mudra Loan Scheme Se Loan Kaun Pa Sakte Hai ?

Koi bhi Indian, jo farming, gardening, food processing, Tech etc jaise business start karana chahta hai, is loan ko lene  ke liye eligible hai.

Mudra Loan Scheme Se Loan Kaise Le ?

1.Sahi Bank Ka Chunav Kare

Mudra Loan Scheme ke tahat loan ke liye kisi bhi bade bank me apply kar sakte hai. Par in banks me interest rate different ho sakte hai. Isliye aap apne nearest banks me is bare me achchi tarah se janakari le aur sahi bank ka chunav kare.

2.Essential Document Ready Kare

Is loan ke liye koi guarantee nahi dena padta hai, but khud ke aur business ke jaruri document bank ke samane prastut karana jaruri hai.

Aapko in document ki jarurat padegi.

1. Idenitity Proof – Voter ID Card/ Driving License / Pan Card / Aadhar Card/ Passport

2.Address Proof – Recent telephone bill, Aadhar Card, Ration Card, Electricity bill.

3.ST/SC/OBC/ Minority Proof

4.Identity/ Address Proof of Business Enterprise – License/ Registration Certificate of Business Enterprise.

5.Applicant should not be defaulter in any Bank/Financial institution.

6.Statement of accounts (for the last six months), from the existing banker, if any.

7.Last two years balance sheets of the units along with income tax/sales tax return etc. (Applicable for all cases from Rs.2 Lacs and above).

8.Projected balance sheets for one year in case of working capital limits and for the period of the loan in case of term loan (Applicable for all cases from Rs.2 Lacs and above).

9.Sales achieved during the current financial year up to the date of submission of application.

10.Project report (for the proposed project) containing details of technical & economic viability.

11.Partnership Deed (in case of partnership firm)etc

12.Asset & Liability statement (In absence of third party guarantee,) from the borrower including Partners may be sought to know the net-worth.

13.Photos (two copies) of Proprietor/ Partners

3.Mudra Loan Application Form

Aap Mudra Loan ke liye bank se jaruri form le sakte hai ya ise yaha download kar sakte hai. Ise fill up kare aur jaruri document ke sath bank me submit kar de.

Download Form Here 

4.Loan Processing

Aapke dvara Loan ke liye submit kiye document ko bank achchi tarah se verify karegi, aapke business plan, business future, profit, risk factor etc par sochegi. Uske bad sahi pane par aapke loan ko approve kar degi.

Uske bad aapke liye Mudra Card issue kar diya jayega.

Mudra Card

Jaisa maine aapko pahle bataya hai ki Loan approval hone ke bad Mudra Card jata hai , jo vakai me Rupay Debit Card hota hai. Is card se aap apne loan ka 10%  amount withdraw kar sakte hai.

Mudra Loan Scheme Helpline

Website – Mudra.org.in

Email – Help@mudra.org.in

Helpline No- 1800 180 1111 , 1800  0001

In the Last

Yadi aapke pas ek thos business idea hai to ab nahi ruke. Govt. bhi aapke sath hai. Aap is scheme se jaruru capital juta sakte hai aur apne business ko setup kar sakte hai.

Isse behatar mauka nahi milega, jaldi kare.

Yadi aap is post ko helpful pate hai to Facebook, Twitter aur Whatsapp par share kare.