Pradhan Mantri Mudra Loan Yojana 2023; To get rid of the problem of unemployment in the country, the Central Government keeps on making many efforts from time to time, through one such scheme, the Prime Minister Mudra Loan Scheme (PM Mudra Loan) is launched by the government to provide loans to SMEs and MSMEs in the country. Yojana) has been started.
Through this scheme, a loan of Rs 10 lakh will be provided by the government to small enterprises, non-corporate, non-agriculture small enterprises, this benefit is given to the beneficiaries according to their category under PMMY, which helps entrepreneurs to start their own industry. Will get In such a situation, if you also want to get the benefit of Pradhan Mantri Mudra Loan Yojana, then you can complete the application process on its official website.
|योजना का नाम||प्रधानमंत्री मुद्रा लोन योजना|
|शुरू की गई||केंद्र सरकार द्वारा|
|आरम्भ तिथि||8 अप्रैल, 2015|
|योजना के लाभार्थी||देश के नागरिक|
|उद्देश्य||व्यवसाय शुरू करने के लिए ऋण प्रदान करना|
|ऋण राशि||50 हजार से 10 लाख रूपये तक|
Through this article, we will tell you what is PM Mudra Loan Yojana? What benefits will be given to the beneficiaries of the scheme, PM Mudra loan eligibility, objective scheme will provide all the information related to the application process, for this you must read it completely.
PM Mudra Loan Yojana is a scheme launched by the Central Government on April 8, 2015, PM MUDRA (Micro Units Development and Refinance Agency) Loan Yojana It is a scheme launched by the Government of India, under which the government provides small and micro loans to the beneficiary. For the establishment of the industry, the benefit of loan is provided according to the category and requirement,
under this scheme, the loan given to the citizens is divided into three categories, which include Shishu, Kishor and Tarun loan. There is no need to submit more documents or guarantees or security to avail this loan. The youth of the country who are above 18 years of age and want to start their own business, under the PM Mudra Loan Scheme, such beneficiaries can apply for a loan of up to Rs 10 lakh, which they can pay for 3 to 5 years.
Under the PM Mudra Loan Scheme launched by the Central Government, the young small businessmen of the country who want to start their business or want to further expand their established business will get loans from various banks included under PMMY.
This loan is given by the bank in easy terms from 50 thousand to 10 lakh rupees according to the category of the person and their requirement. Due to which people will be able to complete the start of their industry without any financial problem. Mudra cards are provided to citizens for taking loan under PM Mudra loan scheme, through this card citizens can get loan from the bank in easy terms.
A budget of Rs 3 lakh crore has been prepared by the central government for better operation of PM Mudra loan scheme, under which a total loan amount of Rs 1 crore 75 lakh has been provided to the beneficiaries so far. Let us tell you that its period has been extended for 5 years to repay the loan under the scheme.
What is PM Mudra Card?
Under Pradhan Mantri Mudra Loan Yojana, citizens are given a special facility for setting up their industry, for this they are provided with Mudra card to get loan. By using this currency card, citizens will be able to get loan easily without any problem, for this, a password will also be provided to citizens to use the card, through this card, now citizens will be able to withdraw money according to their needs, which will At the time of need, the beneficiary does not have to face any financial problem for the transaction and he will be able to expand his business easily by getting the loan.
Objective of Prime Minister Mudra Loan Scheme
The main objective of the government to start the PM Mudra Loan scheme is to provide financial assistance to citizens in the form of loans to start their own business. Due to which such citizens of the country who are unemployed and want to start their own small business but due to poor economic condition, they are unable to establish it, they will also be able to start their employment by getting loans under the scheme in easy terms. ,
This loan amount will be provided to the beneficiary at a low interest rate. With this, many youths of the country who are troubled by the problem of unemployment will be encouraged to set up their own industry, along with this they will be able to open employment opportunities for other citizens as well and the unemployment rate in the country will be reduced.
Benefits of PM Mudra Loan Scheme
The information about the benefits available to the beneficiaries under the PM Mudra Loan Scheme is as follows. Pradhan Mantri Mudra Loan Yojana 2023
Citizens of the country who want to start their own small business or business will be provided loan under the scheme.
Citizens will be able to get a loan of Rs 50 thousand to Rs 10 lakh to start their business.
Under the scheme mainly traders, shopkeepers and MSMEs, people working in manufacturing and trade can be taken.
Mudra card will be provided by the central government to citizens citizens to get loans.
Prime Minister Mudra Loan Women of the country who want to start their own industries will also be encouraged to start the industry.
Very low or zero processing fee is charged on loans sanctioned to women entrepreneurs for starting the industry. Pradhan Mantri Mudra Loan Yojana 2023
The loan amount can also be used as term loan and overdraft service under this scheme.
Women entrepreneurs are currently provided loans under NBFCs and MFIs at 25 basis points lower interest rates.
Non-form enterprise, ie small or micro firm Mudra loan can be obtained under the PM Mudra loan scheme. Pradhan Mantri Mudra Loan Yojana 2023
Through this scheme, more and more youth will be able to get better benefits by establishing their employment, along with this, they will be able to open employment opportunities for other citizens as well.
Women will also be able to take loan under PMMY
Under the PM Mudra loan scheme, women in the country who want to start their own industry will also be able to get loans under the scheme. For this, under PMMY, collateral free business loan is provided to the applicant women entrepreneur at low interest rates, this loan is given to the women entrepreneur for a period of 5 years, in which she can apply for a loan of up to Rs 10 lakh. . Banks, NBFCs and Micro Finance Institutions will provide this facility to women entrepreneurs, for which very low or zero processing fees are charged on the loan amount sanctioned for starting an industry for women.
Also Check: Pradhan Mantri Awas Yojana 2023
Businesses to be started under the scheme
Loan facility is provided to the citizens for different businesses under the PM Mudra loan scheme, all such businesses which will be given loan to the citizens under the scheme, their information is as follows.
- small scale manufacturing enterprise
- fruit and vegetable seller
- agricultural activities
- Bee keeping
- agro industry aggregation
- i.e. fishing
- livestock farming
- sorting out
- dairy, fisheries
- Agriculture Clinic and Agribusiness Center
- food and agriculture processing etc.
Types of PM Mudra Loan Scheme
Let us tell you that under the PM Mudra loan scheme, loans are divided to the beneficiaries on the basis of category and their requirement, this loan is divided into three types, whose information is as follows.
Shishu Loan – Citizens who want to start their business under this category by the Central Government can apply for a loan of up to Rs.50,000 according to this category. This benefit is for those entrepreneurs who are at the primary level and need less money to start their business, loans up to Rs 50,000 are given to all such entrepreneurs at an annual interest rate of 10 to 12 percent, which is The payment can be made by the applicant within a period of 5 years.
Kishor Loan – Under this category, citizens who have already started their business but are not yet established can apply for loan and they need additional funds to establish it. All such citizens can apply for loans ranging from Rs 50 thousand to Rs 5 lakh under this category. The interest rates on loans taken for this category have been fixed separately.
Tarun Loan – Under this category, citizens whose business has been established and want to expand it, can apply for loans ranging from Rs.5 lakh to Rs.10 lakh according to this category. Pradhan Mantri Mudra Loan Yojana 2023
PMMY State Toll Free Numbers
State-wise helpline numbers have also been issued to solve any problem under the PM Mudra loan scheme, in which applicants will be able to contact the toll free number of their state, which is as follows.
|Name of the State/U.T.||Toll Free No.|
|अंडमान और निकोबार||18003454545|
|जम्मू और कश्मीर||18001807087|
|दमन और दीव||18002338944|
|दादर और नगर हवेली||18002338944|
Beneficiaries of Pradhan Mantri Mudra Loan Scheme
The citizens who will be able to apply for loan under the PM Mudra Loan Scheme, their information is as follows.
- service sector companies
- micro industry
- micro manufacturing form
- owner of trucks
- shoal proprietor
- food business
Eligibility for applying in PM Mudra Loan Scheme
For applying in PM Mudra Loan Scheme, the applicant has to fulfill its prescribed eligibility, the information about all such eligibility is as follows.
Under the scheme, such persons who want to set up their own enterprise or have started their own business will be eligible to apply.
Citizens of 18 years of age or above will be eligible to apply for the scheme.
Applicants should not be a defaulter in any bank, if this happens then they will not be considered eligible for the application.
Mudra (Shishu) – Under this only loans up to Rs.50,000 can be applied for.
Mudra (Kishor) – An application can be made under this category for a range above Rs 50,000 up to Rs 5,00,000. Pradhan Mantri Mudra Loan Yojana 2023
Mudra (Tarun) – Loans ranging from Rs.5,00,000 to Rs.10,00,000 can be applied under this category.
Documents required for application in PMMY
For the application in the scheme, it is necessary for the applicant to have some important documents, through which he will be able to complete the process of application in the scheme, the information about all such documents is as follows.
- Aadhaar Card of the applicant
- Identity Card (PAN Card, Voter ID Card)
- Address proof
- Birth certificate
- passport size photograph
- business related certificate
- Income Tax Return and Self Tax Return
- certificate of establishment
- Balance sheet details of last three years
- List of banks included in PM Mudra Yojana
- State Bank Of India
- Andhra Pradesh Bank
- Allahabad Bank
- Corporation Bank
- Punjab And Sind Bank
- Syndicate Bank
- Bank of Maharashtra
- Dena Bank
- Punjab National Bank
- Union Bank of India
- Karnataka Bank
- IDBI Bank
- j&k bank
- ICICI Bank
- Bank of India
- Tamil Nadu Mercateile Bank
- Axis Bank
- Indian Bank
- Canara Bank
- UCO Bank
- Federal Bank
- HDFC bank
- Oriental Bank Of Commerce
- Kotak Mahindra Bank
- Saraswat Bank
- Bank Of Baroda
- Indian Overseas Bank
- Central Bank of India
- Also Read: How to do PM Kisan e-KYC?
How to apply Pradhan Mantri Mudra Loan Yojana online?
To get the benefit of Pradhan Mantri Mudra Loan Jana, the applicant has to complete the process of application in the scheme, you will be able to know the process of application in the scheme by reading the steps mentioned here. Pradhan Mantri Mudra Loan Yojana 2023
How to check PM Mudra Yojana annual report
Applicants can follow the steps mentioned here to check the annual report in PM Mudra loan scheme.
First of all applicants visit its official website.
Now on the home page, click on the Annual Report in the section of Financials.
Now you will have the option to view the Annual Report for different years.
Here you click on the annual report of any financial year you want to see as per your requirement.
Apart from this, the Annual Report PDF will be downloaded in your device.
In this way you will be able to check Annual Report in this PDF.
PM Mudra Loan Scheme Login Process
To login to PM Mudra loan scheme, first of all visit its official website.
After this, the list of tenders will open in the next page.
In this list, you will be able to get information related to the tender by clicking on the given options.
In this way you will be able to see the information related to the tender.
See PMMY state wise performance like this
To see the state wise performance under the portal, the applicant should follow the steps mentioned here.
For this, first of all applicants visit its official website.
Now on the home page you have to click on the option of State Wise Performance.
After this the State Wise Performance PDF file will be downloaded in your mobile or laptop.
In this list, you will be able to check your state wise performance.
Check PMMY contact details like this
To check the contact details under the scheme, the applicant must first visit its official website.
Now on the home page you have to click on Contact us option.
Now in the new page you will see the list of contact details related to PMMY scheme.
Here you can click on the download option in any one of the given options as required.
After this the contact PDF list will open in your device.
In this way you will be able to contact the officers from the contact details in the list.
offline application process in the scheme Pradhan Mantri Mudra Loan Yojana 2023
If the applicant wishes, he can complete the process of application in the scheme by obtaining the application form from the branch of the bank through offline also, for this he should follow the steps mentioned here. Pradhan Mantri Mudra Loan Yojana 2023
Applicants should first visit their nearest bank branch for offline application in PM Mudra Yojana.
Now in the bank branch you have to approach the bank official to take the loan.
After this you will get the application form.
After receiving the application form, fill all the information asked in it correctly.
After filling all the information asked in the form, you will have to attach all the documents asked in the form. Pradhan Mantri Mudra Loan Yojana 2023
Now check the form one last time and submit it to your nearest bank branch.
In this way the process of offline application will be completed in your scheme.
Questions / Answers related to Pradhan Mantri Mudra Loan Scheme 2023
What is PM Mudra Loan Scheme?
PM Mudra Loan Yojana is a special scheme launched by the Central Government under which the government provides loans to the entrepreneurs, SMEs and MSMEs of the country for setting up or expanding their industry.
What is its official website for applying in PM Mudra Yojana?
Its official website for application in PM Mudra Yojana is mudra.org.in. Pradhan Mantri Mudra Loan Yojana 2023
How much loan amount can the applicant get under PM Mudra loan?
Under PM Mudra loan, the applicant will be able to get loan amount from Rs 50 thousand to Rs 10 lakh as per their category and requirement.
How much interest rate has been fixed for loan in PM Mudra Yojana?
For loans under PM Mudra Yojana, the interest rate has been fixed separately for Shishu, Kishor and Tarun loans. Pradhan Mantri Mudra Loan Yojana 2023
What are the eligibility criteria that the applicant has to fulfill for applying in the scheme?
Applicants who want to set up an enterprise or have started their business and who are above 18 years of age and are not a defaulter in the bank will be eligible to apply for the scheme.
We have provided all the information related to Pradhan Mantri Mudra Loan Yojana 2023 through our article and we hope that this information will be very useful for you, for this if you like our article or have any question related to it, then you You can ask your question in the below comment box, we will try our best to answer your questions, also you can stay connected with our site for more information related to similar schemes.