Tuesday, 10 December 2019

what is the process of Mudra loan with full Information

Full Process of Mudra loan

     Mudra Yojana is the government's plan to provide easy credit to small entrepreneurs (SMEs). Its full name is Micro Units Development and Refinancing Agency. Under the Mudra Loan Scheme, small traders and industries are given financial assistance in the form of working capital. It is also known as Pradhan Mantri Mudra Yojana (PMMY). 
Small entrepreneurs used to have difficulty in getting loans for starting a business or for expanding business. Mudra loan scheme has been started to solve this problem. Under Mudra scheme, you can take a loan to start a new business / industry or to expand your old business. Under Mudra Loan Scheme, you can take a loan of up to 10 lakh rupees. These loans can be taken from any commercial bank. You can get service like term loan, overdraft facility or cash credit under PMMY. The Mudra scheme has also given a boost to employment in the country. The thinking of the Modi government at the Center is that in the Mudra scheme, if a person takes a loan to do business, then he gives direct employment to at least three-four more people. This can also help a lot in reducing unemployment in the country.
Image result for mudra loan kya hai hindi

      What is a micro unit? 

              Micro units are actually called very small units. An organization, company or startup can do anything in it. They do not get easy loans from banks for small businesses. Three types of loans are given under the Mudra scheme. In PMMY, you will get a loan of up to 10 lakh rupees. Small loans are given under the Mudra scheme. 

Who can apply for a loan in Mudra scheme?

              These entities seeking loan for small business can apply:
  1.  Proprietorship firm
  2.  Partnership firm
  3.  Micro and Small manufacturing unit
  4.  Service sector unit
  5.  Shopkeeper fruit-vegetable seller
  6.  Truck / car driver
  7. Hotel owner
  8.  Repair shop
  9.  Machine operator
  10.  Small industry food processing unit rural and urban area Other industries.
  11. Artisan
  12. All persons associated with agriculture (livestock, poultry, fisheries, etc.)
Loans up to a maximum of Rs 10 lakh are given under Mudra Yojana.

What is the basic qualification for Mudra loan?
  1.  Applicant should be a citizen of India. 
  2. To take loan for non-agricultural business. 
  3. Not a corporate institution. 
  4. Money should be taken for business needs. 
  5. Be it small businessman or shopkeeper.

There are 3 types under Mudra loan scheme: -

  1. Child Loan, 
  2. Teenage Loan        and
  3. Young Loan

Child Loan:-

               People who want to start their own business or want to increase their running business. For example, if they need up to 50,000 thousand, then they fall into the category of Shishu Lone And they can apply for Shishu Loan.

Teenage Loan:-

            Individuals who need from 50,000 to 5 lakh for their business. So that person comes in the category of Kishore loan, he can apply for Kishore loan.

Young loan:-
              The person who needs 5 lakh to 10 lakh for his business. So that person comes in the category of Tarun loan, they can apply for Tarun loan.
mudra loan kya hai hindi

Mudra Loan In Hindi document

Important documents for PMMY scheme (Mudra Loan In Hindi)
  1. Aadhaar Card
  2. Voter Identity Card
  3. Ration Card
  4. Electricity Bill or Water Bill
  5. PAN Card or Driver's License
  6. Bank Passbook Details
  7. Caste Certificate
  8. Business Certificate
  9. Passport Size Photo
  10. Passport or Property Tax Slip

Online Mudra Loan (PMMY) Application

It is quite easy to apply for Mudra scheme online. To apply for a Mudra loan online, follow the steps below:

  1. Open Mudra Loan Portal:-



First of all, you have to go to the link Mudra Loan Portal to login or Ragister. Mudra Mitra is a Mudra loan portal launched under PMMY.
www.mudramitra.in/Login
 And then complete You Application form for Mudra Loan.

2. Offline Mudra Loan (PMMY) Application:-

       For taking Mudra loan (PMMY), you can apply to any authorized government or private bank branch. After applying, the bank takes some important documents from you and the bank then takes information about your business from you and approves or fails your loan application.

 Mudra Yojana Card






How to get a Mudra Card
मुद्रा योजना (PMMY)कार्ड
        Under the Mudra Yojana (PMMY), when your loan is passed, you have to open the account of the bank from which you get the loan and on opening the account you get the Mudra Yojana card. A currency card is a RuPay debit card. Using this card you can withdraw cash from ATM and can also make online payment. Keep in mind that this is a debit card, but because it draws money from your loan account, you have to pay interest on the loan amount.

Progress Of The Mission:-

     Under the Mudra scheme, priority is given to women and SC / ST applicants in loan disbursement. So far, loans worth Rs 1,05,272 crore have been distributed under the Mudra scheme.
     According to the Pradhan Mantri Mudra Yojana (PMMY) website, in the financial year 2018-2019, 59870318 (5 crore 98 lakh +) Mudra Yojana loans were passed and an amount of Rs 311811.38 crore was disbursed through the loan.
      According to the central government, since the commencement of the Mudra Loan Scheme, till now the bank has distributed loans worth six crore rupees to 12 crore entrepreneurs. According to government information, out of the 12 crore beneficiaries of PMMY, 28 per cent or 3.25 crore are doing business for the first time.
         So far 9 crore women have got loans under the Mudra scheme, which total ..

Conclusion:-

       For more information about the special-PMMY, you can visit this website: https://www.mudra.org.in/
OR
For FAQ, visit to https://www.mudra.org.in/FAQ
Thanks for reading!!!
Keep it on!!!
Jai Hind
Posted by:

No comments:

Post a Comment

Subscribe to: Post Comments (Atom)