ખાસ વાંચો : પ્રધાનમંત્રી મુદ્રા લોન સહાય : મળશે 10 લાખ ની લોન સહાય, આ રીતે કરો લોન માટે અરજી…

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Published on: 2:41 pm, Thu, 24 February 22

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Pradhan Mantri Mudra Yojna, which stands for Micro Units Development & Refinance Agency Ltd., is a financial institution set up by Government of India for development and refinancing of micro-units enterprises. It was announced by the Hon’ble Finance Minister while presenting the Union Budget for FY 2016. The purpose of Pradhan Mantri Mudra Yojna is to provide funding to the non-corporate small business sector through various Last Mile Financial Institutions like Banks, NBFCs and MFIs.

The biggest bottleneck to the growth of entrepreneurship in the Non–Corporate Small Business Sector (NCSBS) is lack of financial support to this sector. More than 90% of this sector does not have access to formal sources of finance. GoI is setting up Pradhan Mantri Mudra Yojna Bank through a statutory enactment for catering to the needs of the NCSBS segment or the informal sector for bringing them in the mainstream.

How to get loan in Mudra scheme?

To cater to the financial needs of small and medium-sized businesses in the country, the Government of India launched Pradhan Mantri Mudra Yojana i.e. PMMY in April 2015.

Its main objective is to promote the contribution of women in Business Word and strengthen the field of business.

Anyone who wants to start a business or wants to grow his existing business can get a business loan of up to 20 lakhs under Micro Units Development Refinance Agency i.e. Mudra Yojana and if you know how to do business in less money – its Thinking about it, you can get the complete information by going to the link.

Loans are provided without any guarantee in the currency scheme.
No processing fees are charged in providing loan.
Repayment period of this loan can be extended up to 5 years.
Working Capital Loan can be provided by Mudra Card.

Who will get the # 2 Mudra Loan (Eligibility of Mudra Loan Scheme)

Any Indian citizen or firm who wants to start any other type of business except farming or wants to pursue their own business, they are traders of Pradhan Mantri Mudra Yojana for Financial Needs up to 20 lakhs. Can apply under 3 Types of Mudra Loans

Under the Mudra Scheme, Mudra Loan is divided into three parts keeping in mind the needs of different businesses: –

  • Shishu Loan: Loans up to Rs 50,000 / – are given under Shishu Loan.
  • Kishor Loan: Loans up to Rs 50,000 and up to Rs 5 lakh are given under Kishor Loan.
  • Tarun Loan: Loans above Rs 5 lakh and up to Rs 20 lakh are given under Tarun loan.
  • Under the Mudra Yojana, at least 60% of the loan will be given in the form of child loans.

4 Interest Rates of Mudra Bank Loan

There is no fixed interest rate under Mudra Loan.

The rate of interest may vary depending on the functioning of different banks and the business risk of the applicant.

Generally, the interest rate of Mudra Loan is around 12% per year. One big thing in this is that no subsidy is given by the government under the Mudra Scheme.

IMPORTANT LINK 

https://www.mudra.org.in/

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