PM Mudra Loan Yojana 2023: Prime Minister Mudra Loan Yojana (PM Mudra Loan Yojana) was started in the year 2015 by Shri Narendra Modi. Through this scheme, a loan of up to Rs 10 lakh is provided by the government. Under this scheme, loan is also provided by the government for the purchase of commercial vehicles.
New PM Mudra Loan Yojana 2023
Through this Pradhan Mantri Mudra Loan Yojana (PM Mudra Loan Yojana), loans can be taken to buy tractors, auto rickshaws, taxis, trolleys, goods transport vehicles, three wheelers, e-rickshaws etc. Under this scheme, loans up to Rs 10 lakh are being provided. country people to start their own small business. business. If a person wants to do his business then he can also take loan under this scheme.
PM Mudra Loan Scheme
PM Mudra Loan Yojana is special for women because in this scheme women applicants are provided Mudra loan on priority basis. Pradhan Mantri Mudra Yojana is a business loan scheme. Under this government loan scheme, MSMME businessmen get business loans up to Rs 10 lakh in three categories without any mortgage.
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Mudra loans up to 10 lakhs from 27 public sector banks, 17 private banks, 31 regional rural banks, 4 cooperative banks, 36 micro finance institutions and 25 non-banking financial companies under the Pradhan Mantri Mudra Loan Yojana for women (PM Mudra Loan Yojana) Loan) are available.
How to Apply (PM Mudra Loan Scheme – Form)
There are many banks that provide Mudra loan; All you have to do is follow the steps given below:
To download the form, visit mudra.org.in or visit the nearest commercial or private bank.
Submit the loan application form to the nearest bank branch with correct details like your name, address, contact number and Aadhaar details.
Submit other documents like identity proof, address proof, company address proof, balance sheet, IT returns and other machinery details along with the application form.
Complete other formalities and procedures by the bank.
The documents will be verified by the bank.
Once verified, the loan will be credited to the applicant’s account.
Mudra Loan Type
The Mudra Loan Yojana (PM Mudra Loan Yojana), run by the Ministry of Small, Micro and Medium Enterprises (MSME) of the Central Government, aims to start more and more industries in the country and promote old industries. Therefore three classes have been classified.
Shishu Loan Yojana – In this Pradhan Mantri Mudra Loan Yojana (PM Mudra Loan Yojana), a business loan of up to 50 thousand is provided to the female beneficiary.
Kishore Loan Scheme – Under the Kishore Loan Scheme, business loans ranging from 50 thousand to 5 lakh are provided to women businessmen.
Tarun Loan Scheme – Under Tarun Loan Scheme, business loans ranging from 5 lakh to 10 lakh are provided to women businessmen.
Loan will be available without guarantee (PM Mudra Loan Yojana 2023)
To promote self-employment in the country, the Narendra Modi government started the PM Mudra Loan Yojana in the year 2015. Under this scheme, banks give loans to small traders from street vendors without any collateral. Any person in the age group of 18 to 65 years who wants to start his own business can take loan under this scheme.
Along with this, if someone wants to further his existing business, then he can also get a loan through this PM Mudra Loan Yojana. Applicant can choose more than one bank. One has to fill and submit the loan application form along with the documents to the bank. If the application is found to be in order, the bank or financial institution will pass the Mudra loan and the applicant will be provided with a Mudra card (debit card).
PM Mudra Loan Scheme
You can spend it on your own terms. Working capital funds are payable on demand whereas the repayment tenure of fixed loans is 3 to 5 years. Moratorium period of up to 6 months falls under the period of 3 to 5 years. However, no subsidy is given under PM Mudra Loan Yojana.
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