PM Mudra Loan kaise apply karen ke liye online ya bank ke through form bhar kar, required documents submit karke, loan categories choose karke application karein.
Table of Contents
Introduction
PM Mudra Loan ko apply karne ke liye aapko kuch steps follow karne padenge. Yeh loan un logo ke liye hai jo apna chhota business shuru karna chahte hain ya apne business ko expand karna chahte hain. PM Mudra Loan ko 3 categories mein divide kiya gaya hai: Shishu, Kishore, aur Tarun. Aap in categories ke through apna loan amount choose kar sakte hain.
Step-by-Step Process:
1. Mudra Loan Ke Liye Eligibility Criteria
PM Mudra Loan ke liye apply karne se pehle aapko kuch basic eligibility criteria ko samajhna zaroori hai:
- Aapka business micro, small, ya medium hona chahiye.
- Aapko ek clear business plan aur financial documents ki zaroorat hogi.
- Aapka business registered hona chahiye ya aap apne business ko officially start karne wale hon.
- Aapko apne financial condition ko support karne ke liye income proof dena hoga (jaise ki bank statement, income tax return, etc.)
2. Mudra Loan Ke Liye Apply Karna
Aap PM Mudra Loan ke liye do tareekon se apply kar sakte hain:
- Online Application
- Offline (Bank ke through)
Online Application:
- Mudra Yojana ki official website par jaa kar aap online application form bhar sakte hain.
- Website: www.mudra.org.in
- Yahan aapko apne business ke baare mein basic details deni hoti hain, jaise business ka naam, type, address, aur aap kitna loan chahte hain.
Bank Ke Through:
- Aap apne nearest bank ya financial institution jaa kar bhi Mudra Loan ke liye apply kar sakte hain. Government banks, private banks, aur NBFCs (Non-Banking Financial Companies) Mudra loan offer karte hain.
- Bank mein jaa kar apna application form bharne ke baad, aapko documents submit karne honge.
3. Documents Required for Mudra Loan
PM Mudra loan ke liye aapko kuch important documents ki zaroorat hoti hai, jo aapko apne application ke saath submit karne honge:
- Identity Proof (Aadhaar card, PAN card, Passport, Voter ID, etc.)
- Address Proof (Electricity bill, ration card, voter ID, bank statement, etc.)
- Business Proof (Trade license, GST registration, shop act, etc.)
- Income Proof (Bank statement, Income Tax Return, etc.)
- Business Plan (Agar aap naye business ke liye loan le rahe hain to business plan aur project report zaroori hota hai)
4. Loan Categories (Shishu, Kishore, Tarun)
PM Mudra loan ko 3 categories mein divide kiya gaya hai:
- Shishu Loan (Up to ₹50,000):
- Ye loan un logo ke liye hota hai jo apna naya business shuru karna chahte hain.
- Ye loan unko diya jata hai jo bilkul naye business ke liye capital chahte hain.
- Kishore Loan (₹50,001 to ₹5,00,000):
- Ye loan un businesses ko diya jata hai jo apna business expand karna chahte hain.
- Agar aapke paas existing business hai aur aapko growth ke liye paise chahiye to aap yeh category choose kar sakte hain.
- Tarun Loan (₹5,00,001 to ₹10,00,000):
- Ye loan un logo ke liye hai jo apne established business ko aur bada karna chahte hain.
- Ye loan unko diya jata hai jo apne business ko scale up karna chahte hain.
5. Loan Approval Process
- Application submit karne ke baad, aapke documents aur details ko verify kiya jata hai.
- Bank ya financial institution aapka credit score, business plan, aur financial condition ko dekh kar loan approval ka decision leta hai.
- Loan approval hone ke baad, aapko confirmation milega, aur aapka loan amount aapke bank account mein transfer kar diya jayega.
6. Repayment Terms
- PM Mudra loan ki repayment tenure 3 saal se lekar 5 saal tak ho sakti hai, jo aapke loan amount aur agreement par depend karta hai.
- Loan ko monthly EMI (Equated Monthly Installments) ke through repay kiya jata hai.
7. Interest Rates
- PM Mudra Loan ka interest rate aapke loan amount aur bank ke terms par depend karta hai.
- General interest rate 8-12% ke beech ho sakta hai.
Conclusion
PM Mudra Loan ek aise lohon ke liye ek achha option hai jo apna business shuru karna chahte hain ya apne chhote business ko badhana chahte hain. Apply karte waqt sabhi documents sahi aur complete hone chahiye, taki loan process smooth rahe. Agar aapko loan apply karne mein koi help chahiye ho to, main aur detail mein bhi aapko guide kar sakta hoon!
PM Mudra Loan Repayment: Step-by-Step Guide
FAQs About PM Mudra Loan Kaise Apply Karen:
PM Mudra Loan kya hai?
PM Mudra Loan, Pradhan Mantri Mudra Yojana (PMMY) ke tehat diya jata hai. Ye loan un logo ke liye hai jo apna chhota business shuru karna chahte hain ya apne business ko expand karna chahte hain. PM Mudra Loan ko 3 categories mein divide kiya gaya hai: Shishu, Kishore, aur Tarun.
Mudra Loan ke liye eligibility criteria kya hai?
PM Mudra Loan ke liye eligibility criteria mein aapka business micro, small, ya medium hona chahiye. Aapko ek business plan aur financial documents dene honge. Business registered hona zaroori hai, aur income proof dena hoga (jaise bank statement, income tax return, etc.).
Mudra Loan kitne types ka hota hai?
PM Mudra Loan ko 3 types mein divide kiya gaya hai:
Shishu Loan (Up to ₹50,000)
Kishore Loan (₹50,001 to ₹5,00,000)
Tarun Loan (₹5,00,001 to ₹10,00,000)
Mudra Loan kaise apply karen?
Aap Mudra Loan ko online apply kar sakte hain Mudra Yojana ki official website (www.mudra.org.in) par, ya phir nearest bank (government/private bank, ya NBFC) mein jaa kar bhi apply kar sakte hain.
Mudra Loan ke liye kya documents required hain?
PM Mudra Loan ke liye aapko kuch important documents ki zaroorat hoti hai:
Identity Proof (Aadhaar card, PAN card, etc.)
Address Proof (Electricity bill, ration card, etc.)
Business Proof (Trade license, GST registration, etc.)
Income Proof (Bank statement, IT return)
Business Plan (Agar aap naya business shuru kar rahe hain to)
Mudra Loan ko repay karne ka kya process hai?
PM Mudra Loan ki repayment monthly EMI (Equated Monthly Installments) ke through ki jati hai. Loan tenure 3 se 5 saal ke beech ho sakta hai, jo loan amount aur agreement par depend karta hai.
Mudra Loan ke interest rates kya hote hain?
PM Mudra Loan ka interest rate aapke loan amount aur bank ke terms par depend karta hai. Generally, interest rate 8% se lekar 12% tak ho sakta hai.
Mudra Loan ko kis bank se liya ja sakta hai?
PM Mudra Loan aap government banks, private banks, aur NBFCs (Non-Banking Financial Companies) se le sakte hain. Aapko apne nearest bank mein jaa kar application process start karna hoga.
Kya Mudra Loan business ke liye hi liya ja sakta hai?
Haan, PM Mudra Loan ko sirf business purposes ke liye hi liya ja sakta hai. Ye loan aapke business ko shuru karne, expand karne, ya scale up karne ke liye diya jata hai.
Kya Mudra Loan mein government subsidy milti hai?
PM Mudra Loan mein government subsidy directly nahi milti. Lekin, PM Mudra Loan ek subsidized interest rate par diya jata hai, jo aapko market ke comparison mein sasti rate par milta hai.
Loan ka approval process kitna time leta hai?
Loan approval ka process generally 1-3 weeks ke andar ho jata hai, lekin yeh time bank aur aapke application ke complexity par depend karta hai.
Kya Mudra Loan ko prepayment ya foreclosure kiya ja sakta hai?
Haan, PM Mudra Loan ko prepay ya foreclose kiya ja sakta hai, lekin is par bank ke terms and conditions apply karte hain. Kuch banks prepayment par penalty bhi laga sakte hain.
Mudra Loan ke liye kis age group ke log apply kar sakte hain?
PM Mudra Loan ke liye aapko kam se kam 18 saal ka hona zaroori hai. Iske alawa, aapki upper age limit bank ke terms aur loan repayment terms ke hisaab se decide hoti hai, lekin aam taur par 65 saal tak ke log apply kar sakte hain.
Kya Mudra Loan ko self-employed individuals bhi le sakte hain?
Haan, Mudra Loan ko self-employed individuals bhi le sakte hain, jaise ki small traders, shopkeepers, manufacturers, aur service providers. Agar aapka business chhota hai aur aapko capital ki zaroorat hai, to aap Mudra Loan ke liye apply kar sakte hain.
Agar loan rejection ho jaye to kya karna chahiye?
Agar aapka Mudra Loan reject ho jata hai, to aap apne application ko dubara se review kar sakte hain. Aapko bank se rejection ka reason poochna chahiye aur agar koi document missing ya incorrect tha, to usse theek karke dobara apply kar sakte hain. Aap dusre bank ya financial institution se bhi apply karne ka vichar kar sakte hain.
By: Cibilfree
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