মুদ্রা লোন, Mudra Loan Details, Eligibility, Application Process, Mudra Loan Online Apply
Online application link-
www.mudra.org.in/Home/PMMYBan...
Mudra loan, also known as the Pradhan Mantri Mudra Yojana (PMMY), is a government initiative in India aimed at providing financial support to micro and small enterprises. Launched by the Government of India in 2015, the program is administered by the Micro Units Development and Refinance Agency (MUDRA) under the supervision of the Ministry of Finance.
Here are some important details about Mudra loans:
1. Objective: The primary objective of the Mudra loan scheme is to promote entrepreneurship and provide financial assistance to non-corporate, non-farm small/micro enterprises. It focuses on funding the unfunded.
2. Loan Categories: Mudra loans are categorized into three types, based on the stage of business and funding requirements:
a. Shishu: Loans up to ₹50,000 for businesses in the initial or startup stage.
b. Kishor: Loans ranging from ₹50,001 to ₹5,00,000 for businesses that have already started but need additional funds for expansion.
c. Tarun: Loans ranging from ₹5,00,001 to ₹10,00,000 for established businesses requiring further growth and diversification.
3. Eligibility Criteria: Individuals, small business owners, and enterprises engaged in non-farm income-generating activities such as trading, manufacturing, and services are eligible for Mudra loans.
4. Application Process: Applicants can apply for Mudra loans through various financial institutions, including scheduled commercial banks, regional rural banks, co-operative banks, small finance banks, and microfinance institutions. The application process typically involves submitting necessary documents, such as identity proof, address proof, business plan, and income-related documents.
5. Interest Rates: The interest rates for Mudra loans vary depending on the lending institution and the borrower's profile. The interest rates are typically competitive, and the rates are often linked to the base rate or the Marginal Cost of Funds-Based Lending Rate (MCLR).
6. Repayment Tenure: The repayment tenure for Mudra loans can extend up to 5 years, depending on the borrower's requirements and the type of loan availed.
7. Collateral: Mudra loans are collateral-free, which means borrowers do not need to provide any specific security or collateral to obtain the loan. However, some lending institutions may require suitable guarantees or third-party guarantees depending on the loan amount and the borrower's creditworthiness.
It's important to note that Mudra loans are subject to the policies and guidelines of the lending institutions offering them. Therefore, it is recommended to check with the respective financial institution or visit the official Mudra website for the most up-to-date information and specific details regarding the loan application process and eligibility criteria.
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