Pradhan Mantri Mudra Loan Scheme : {SBI E Mudra Loan}

Pradhan Mantri Mudra Loan Scheme

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The Pradhan Mantri Mudra Yojana [SBI E Mudra Loan] was launched in 2015 by the Central Government to meet the needs of small and medium entrepreneurs and encourage them to become self-employed. Through this scheme, an individual or student who wants to start their own startup or small business can avail a business loan of up to 10 lakhs under Pradhan Mantri Mudra Yojana.

Pradhanmantri Mudra Loan Yojana 2022

Types of Pradhan Mantri Mudra Loans

Three types of Mudra loans are provided by the government keeping in mind the needs of small, medium and marginal traders.

Shishu Loan : Under this, Bank in the form of Shishu Loan {Loan} Rs. Provides up to 50,000/-.
Kishore Loan : Under Kishore Loan, Rs. 50,000/- above and Rs. Loans up to 5 lakhs are provided by the bank.
Tarun Loan: Under Tarun Loan Rs. 5 lakhs and above Rs. Loans up to 20 lakhs are given.
Eligibility Criteria for Pradhan Mantri Mudra Loan Scheme | Eligibility for Pradhan Mantri Loan Yojana 2022
Small traders, organizations or farms who want to start or grow any type of business can apply under e-Mudra loan. Along with this, students who want to start their own startup can apply under Mudra Loan Scheme.

In addition, the applicant is required to fulfill the following criteria to apply for the e-Mudra loan scheme.

Applicant must be a permanent resident of India
Applicant’s age should be between 8 years to 65 years
Having an account in a state bank is mandatory
Linking Aadhaar with bank account is mandatory
The applicant should not be a defaulter of the bank.

Interest rates of E-Mudra Loan Scheme

The interest rates under Mudra Loan Scheme may vary according to the operations of different banks. Generally, banks charge an interest rate of 12% per annum in the Mudra loan scheme, but if the applicant receives a capital subsidy from the government based on the riskiness of his business, this subsidy can be combined with the Mudra loan. One big thing about this is that there is usually no subsidy from the government in Mudra Yojana.

How to Apply for SBI e-Mudra Loan | How to Apply for Pradhan Mantri Loan Yojana 2022

There is no set procedure to apply for SBI e-Mudra Loan. First of all, you should collect information regarding the process and interest rate of getting a loan in the banks around you. Apart from this, you can also get information related to documents required for loan application.

Following is the process of availing loan under Mudra Loan Yojana and application process under Mudra Yojana.

Under the e-Mudra scheme, all bank account holders of State Bank of India have to follow each of the following steps, which are as follows –

First type “SBI e-Mudra” in Google.

Then the home page of the official website of SBI will open.
For SBI E Mudra Loan 2022 online application first you have to come to Direct Application Form.
Now you have to enter your mobile number and your bank account number of State Bank of India here.
After this you have to enter the loan amount.
After the loan amount, a new page will open in front of you where you have to enter some information.
After that you have to accept all the terms and conditions of the loan.

E-Mudra OfficialClick Here
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