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Pradhan Mantri Mudra Yojana (PMMY) भारत सरकार की एक प्रमुख योजना है, जो छोटे व्यवसायों को 10 लाख रुपये तक का ऋण प्रदान करती है। यह योजना गैर-कृषि क्षेत्र में विनिर्माण, व्यापार या सेवा क्षेत्र में आय उत्पन्न करने वाले सूक्ष्म उद्यमों के लिए है ।
योजना के लाभ
- शिशु ऋण: 50,000 रुपये तक का ऋण
- किशोर ऋण: 50,000 से 5 लाख रुपये तक का ऋण
- तरुण ऋण: 5 लाख से 10 लाख रुपये तक का ऋण
योग्यता
- व्यक्तिगत
- स्वामित्व व्यवसाय
- साझेदारी फर्म
- निजी लिमिटेड कंपनी
- सार्वजनिक कंपनी Small Business Loan kaise Apply kare 2024
आवेदन प्रक्रिया
- आधिकारिक वेबसाइट पर जाएं और Udyamimitra पोर्टल पर क्लिक करें।
- “Apply Now” पर क्लिक करें।
- आवश्यक दस्तावेज़ अपलोड करें।
- ऋण की राशि और अवधि चुनें।
- आवेदन जमा करें। Small Business Loan kaise Apply kare 2024
आवश्यक दस्तावेज़
- पहचान प्रमाण
- पता प्रमाण
- आवेदक की तस्वीर
- आवेदक के हस्ताक्षर
- व्यवसाय का प्रमाण
यदि आपको और जानकारी चाहिए, तो आप आधिकारिक वेबसाइट पर जा सकते हैं या निकटतम बैंक शाखा से संपर्क कर सकते हैं
Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of India. The scheme facilitates micro credit/Loan up to Rs. 10 lakhs to income generating micro enterprises engaged in the non farm sector in manufacturing, trading or service sectors including activities allied to agriculture such as poultry, dairy, beekeeping, etc. The Scheme provides financial assistance extended by Member Lending Institutions to the non-corporate, non-farm sector income generating activities of micro and small entities. Small Business Loan kaise Apply kare 2024
These micro and small entities comprise of millions of proprietorship / partnership firms running as small manufacturing units, service sector units, shopkeepers, fruits / vegetable vendors, truck operators, food-service units, repair shops, machine operators, small industries, artisans, food processors and others.
The loans under Pradhan Mantri Mudra Yojana can be availed through eligible Member Lending Institutions (MLIs), which include: Small Business Loan kaise Apply kare 2024
- Public Sector Banks
- Private Sector Banks
- State operated cooperative banks
- Rural banks from regional sector
- Micro Finance Institution (MFI)
- Non-Banking Finance Company (NBFC)
- Small Finance Banks (SFBs)
- Other financial intermediary approved by Mudra Ltd. as member financial institutions
Interest rate
The interest rates are declared by Member Lending Institutions from time to time as per Reserve Bank of India guidelines based on which applicable interest rate is determined.
Upfront fee/Processing charges
Banks may consider charging of upfront fee as per their internal guidelines. The upfront fee/processing charges for Shishu loans (Covering loans upto Rs. 50,000/-) are waived by most Banks Small Business Loan kaise Apply kare 2024
Application Process :
The following are the pre-requisites for the enrolment process:
- ID Proof
- Address Proof
- Passport size photograph
- Applicant Signature
- Proof of Identity / Address of Business Enterprises
Step 01: Go to PM MUDRA official website and after that select the Udyamimitra portal
Step 02: Click on Mudra loan “Apply Now”
Step 03: Select one of the following : New entrepreneur/ Existing Entrepreneur/Self-employed professional
Step 04: Then fill in the name of the applicant, email and Mobile number and Generate OTP
After Successful Registration
Step 01: Fill in Personal Details and Professional Details.
Step 02: Select hand-holding agencies if any help is required for preparing project proposals etc., otherwise click “Loan Application Center” and apply.
Step 03: Select the category of loan required – Mudra Shishu / Mudra Kishore/ Mudra Tarun.
Step 04: The applicant then needs to fill in the Business Information like business name, business activity, etc. and select industry type like Manufacturing, Service, Trading or activities allied to agriculture.
Step 05: Fill in other information like owner details, existing Banking/ Credit facilities, proposed credit facilities, future estimates and preferred lender.
Step 06: Attach all required Documents i.e. ID proof, Address proof, Applicant photo, Applicant Signature, Proof of Identity/ Address of Business Enterprise, etc. Small Business Loan kaise Apply kare 2024
Step 07: Once the application is submitted, an Application Number gets generated which needs to
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