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Pradhan Mantri Mudra Yojana Loan Kaise Milta hai मुद्रा योजना के तहत लोन कैसे प्राप्त करें

How To Apply for Bank Loan Under Pradhan Mantri Mudra Yojana in Hindi– मुद्रा योजना के तहत लोन कैसे प्राप्त करें

Pradhan Mantri Mudra Yojana ka details mai meaning "MICRO UNITS DEVELOPMENT REFINACE AGENCY" hota hai. Yeh benificial yojana ki starting 8 April 2015 ko ki gayi thi. MUDRA YOJANA ko Pradhan Mantri Mudra Yojana ke naam se bhi jana jaata hai aur Mudra Yojana ki official website - http://www.mudra.org.in/

India ke small aur medium size ke business ki financial needs ko pura karne ke liye Indian Government ne Pradhan Mantri Mudra Yojana (PMMY) ki shuruat ki hai.
Yadi koi bhi apna Business start karna chahta hai yaa phir current business ko aage badhana chahta hai, to wo nornally BANK LOAN ke liye apply kar sakta hai. Lekin BANK LOAN ki process kafi badi hai aur guarantee lene wale ki need padti hai es karan mostly log BANK LOAN nahi le paate hai aur apna business properly grow nahi kar pate hai.
Isi bat ko dekhate huye Bharat Sarkar ne SMALL BUSINESSES ko badhane ke lye Mudra Scheme  (Micro Units Development Refinance Agency) ko launch kiya hai.


BENEFITS OF MUDRA SCHEME - मुद्रा योजना के लाभ

  • Mudra Yojana ke andar Without Gurantee ke aapko Loan pradan kiya jaayega.
  • Mudra Yojana ke dwara Loan pradan karne mai koi bhi Processing Fees charge nahi ki jayegi.
  • Mudra Loan ki Repayment Period ko 5 Years tak badhaya jaa sakta hai.
  • Working Capital Loan ko Mudra Card ke dwara pradan kiya ja sakega.

WHO ARE ELIGIBLE TO AVAIL LOAN UNDER MUDRA SCHEME? - योग्यता  

Mudra Loan mai apply karne ke liye koi bhi bhartiya nagrik yaa firm jo kisi bhi area mai apna business shuru karna chahta hai yaa phir apne current business ko aur jyada extend karna chahta hai aur wo 10 lakh tak ka BANK LOAN lena chahta hai wo Pradhan Mantri Mudra Yojana ke through LOAN ke liye apply kar sakta hai.
Note:- Agriculture ke liye aap Mudra Yojana ka benifit nahi le sakte hai.

TYPES OF LOAN UNDER MUDRA SCHEME – मुद्रा लोन के प्रकार

Mudra Scheme ke andar Mudra Loan ko Business ki jarurat ko ddyan mai rakhte huye three parts mai divide kiya gaya hai.
  • Shishu Loan  शिशु ऋण :-  ke dwara aap Rs. 50,000/ – tak ka loan le sakte hai.
  • Kishor Loan  किशोर ऋण:- ke dwara aap  Rs. 50,000 / – se upar aur 5 lakh tak ka loan le sakte hai.
  • Tarun Loan  तरुण ऋण:- ke dwara aap 5 lakh se upar aur 10 lakh tak ka loan le sakte hai.
Note:- MUDRA YOJANA ke dwara 60% ka Loan SHISHU LOAN ke roop mai diya jayega.

INTEREST RATES OF MUDRA BANK LOAN – ब्याज दर 

Mudra Loan ke andar koi fix Interest Rate nahi hai. Interest Rate different Businesses aur different Banks ke anusar alag alga ho sakti hai. Normally Mudra Yojana ki Interest Rate 12% par year hoti hai.
 Mudra Loan mai koi Subsidy sarkar ke taraf se nahi dee jayegi. Yadi Applicants kisi other Yojana ke dwara kisi bhi prakar ki Subsidy ke liye apply karta hai jisme Sarkar Capital Subsidy pradan karti hai to us Subsidy ko Mudra Loan se link kiya jaa sakta hai.

HOW TO APPLY FOR MUDRA LOAN – मुद्रा लोन प्राप्त करने की प्रक्रिया

STEP 1: Collect Information and Choose Suitable Bank in Hindi जानकारी जुटाना और सही  बैंक का चुनाव करना 

Mudra Yojana ke dwara Loan lene ke liye koi certain process nahi hai iske liye aapko apne nearest BANK se contact karke puri information collect kar lege. For example aapko kaun kaun se documents ki jarurat padegi aur aapko kitna INTEREST RATE pay karna hoga.

STEP 2 : Prepare the Documents and Submit the Application Form डाक्यूमेंट्स तैयार करना और एप्लीकेशन सबमिट करना 

Bank Loan pradan karne ke liye mostly aapki Financial Needs ke adhar par aapse differnet types ke documents ki demand kar sakte hai.
  1. Bank aapse last two year ki Balance Sheet, Income Tax Returns aur aapke business ki information ki demand kar sakte hai. Banks yeh sare docuemnts ke dwara yeh pata karne ki kosis karte hai ki aapke Business mai kitna Risk hai to aapko kitna Interest Rate mai wo aapko loan de taki aap unka paisa return kar sake aur unka paisa bhi secure rahe.
  2. Bank aapse Business Plan, Project Report, Future Income Estimation ki demand kar sakte hai aur un documents ke through yeh janane ki kosis karege ki aapko diye gaye Loan ka use kis prakar se aur kis kam mai karege aur us Loan se aapke Business mai kya benifit hoga aur aapka Business kitna grow karega.

CHECKLIST FOR MUDRA LOAN (DOCUMENTS REQUIRED)

Normally aapko Mudra Loan ke liye application form ke sath kuch documents bhi attach karne hoge jo es prakar hai. Loan Amount, Business Nature, Bank Rules etc. ke regarding aapke documents ki counting kam ya jyada ho sakti hai.
For example yadi aap Shishu Loan 50, 000 tak ke liye apply karne ke liye soch rahe hai to ho sakta hai aapko Balance Sheet aur Income Tax Returns etc dene ki jarurt naa pade.
  1. Proof of identity – Self certified copy of Voter’s ID card / Driving License / PAN Card / Aadhar Card/Passport.
  2. Proof of Residence – Recent telephone bill, electricity bill, property tax receipt (not older than 2 months), Voter’s ID card, Aadhar Card & Passport of Proprietor/Partners.
  3. Proof of SC/ST/OBC/Minority.
  4. Proof of Identity/Address of the Business Enterprise – Copies of relevant licenses/registration certificates/other documents pertaining to the ownership, identity and address of business unit.
  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

DOWNLOAD MUDRA LOAN APPLICATION FORM

Mudra Loan ke liye aap Application Form related Bank se le sakte hai yaa phir online Bank ki website se download kar sakte hai. App diye gaye neeche link ke through bhi Mudra Loan Application Form Download kar sakte hai.

DOWNLOAD MUDRA LOAN APPLICATION FORM

STEP 3. LOAN PROCESSING लोन प्रोसेसिंग 

Application Form aur Proper Documents submit karne ke bad Bank aapke documents ki checking karega aur jab bank puri tarah se satisfy ho jayega yaa phir kuch aur documents ka demand bhi bank kar sakta hai. Yeh sari process ko complete karne mai kuch dino ka time lag sakta hai. Loan Processing puri hone ke bad aapko Disbursement Amount Cheque provide kiya jayega jise applicant apne Bank mai laga sakta hai.
Bank ke dwara Loan diye jaane ke bad bank yeh chahta hai ki aapko jo Loan diya gaya hai to jis business ke liye diya gaya hai aap usi business mai spend kare aur yadi apne project ke liye aap kuch raw material yaa phir koi machinary purchase karte hai to aap uska payment Cheque ke through he kare.

REJECTION OF LOAN APPLICATION

Yadi Applicants ke documents aur unka business Bank ko sahi nahi lagta hai to application reject bhi kiya jaa sakta hai. Isliye better yahi hai ki Application form submit karne se pahle aap Bank se proper discussion kar le aur apne Project ke document proper tarike se bana le taki koi problem na ho.

MUDRA CARD

Mudra Card
Mudra Loan lene wale sabhi applicants ko Mudra Card jaari kiye jayege jo ek Debit Card ki tarah he work karega. Mudra Card se Business man apni total Mudra Loan ka 10% amount kharch (spend) kar sakta hai.

LIST OF INSTITUTIONS AND BANKS OFFERING MUDRA LOAN

Mudra Yojana ka labh aap kin kin Banks se le sakte hai:
  • 27 Public Banks
  • 17 Private Banks
  • 31 Regional Rural Banks
  • 4 co-operative banks
  • 36 microfinance institutions
  • 25 non-banking financial institutions
Mudra Loan pradan karne wale Banks aur Institutions ke naam aap neeche diye gaye link ke throgh bhi jaan sakte hai.
List of Institutions and Banks Offering Mudra Loan

MUDRA SCHEME HELPLINE 

Mudra Loan lete time yadi aapko koi bhi problem aa rahi hai to aap Website, Email yaa Toll Free number se bhi contact kar sakte hai.
Mudra Yojana Website – http://www.mudra.org.in/
Mail – help@mudra.org.in.
National Helpline Numbers For Pradhan Mantri Mudra Yojana – Call – 1800 180 1111    call – 1800 11 0001
Article Source:- How to Apply Pradhan Mantri Mudra Yojana Loan in Hindi

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