Hello friends, how are you doing today loan scheme with low-interest rate for you to start a new business website loan from ₹ 50,000 to 10 lakhs is provided under Pradhan Mantri Mudra Loan Scheme, take advantage of this scheme and in this post its complete information is given and Information on how you can benefit is also provided.
You will get the information about which documents are required to get a Mundra loan and how to apply online from this website.
Pradhan Mantri Mudra Yojana : પ્રધાનમંત્રી મુદ્રા યોજના (પીએમએમવાય) બિન કૉર્પોરેટ, બિન કૃષિ, લઘુ/સુક્ષ્મ ઉદ્યમો માટે 10 લાખ સુધીની લોનની સુવિધા આપે છે. ભારતના યુવાધનને તથા કાર્યરત નાના ઉદ્યોગોને પ્રોત્સાહન આપવાના હેતુથી શરૂ કરાયેલી મુદ્રા બેંકનું પૂરું નામ છે, માઈક્રો યુનિટ્સ ડેવલપમેન્ટ એન્ડ રીફાઈનાન્સ એજન્સી (Mudra). જે પ્રધાન મંત્રી મુદ્રા યોજના અંતર્ગત શરૂ કરવામાં આવી છે
અત્યારે આ યોજના અંતર્ગત જમીન, પરિવહન, સામુદાયિક, સામાજિક તથા વ્યક્તિગત સેવાઓ, ખાદ્ય ઉત્પાદન, ટેક્સટાઈલ જેવાં ક્ષેત્રોને જ સમાવવામાં આવ્યાં છે, આગળ જતાં હજુ આમાં બીજાં અનેક નવાં ક્ષેત્રોને સાંકળવામાં આવશે, જેના કારણે નવા ઉદ્યોગોને ખૂબ જ ઊજળી તકો છે. નાના વેપારીઓ, વ્યવસાયકારીઓ આ યોજનાનો લાભ લઈને સફળતાનાં શિખરો સર કરશે.
મુદ્રા યોજના થકી વર્ષ ૨૦૧૫-૧૬ માં ૩.૩૨ કરોડ ગરીબ લોકોને લાભ મળ્યો છે. ચાલુ વર્ષમાં અમે આ યોજના માટેનું બજેટ ડબલ કરવાના છીએ. મુદ્રા યોજનાનો લાભ લેનારા લોકોમાં સૌથી વધુ મહિલાઓ, દલિતો અને અલ્પસંખ્યક સમાજના લોકો છે.
Eligibility Criteria: Pradhan Mantri Mudra Yojana
Micro Units Development and Refinance Agency (MUDRA) have adopted the eligibility norms in respect of various categories of Banks for the partner lending institutions for the purpose of availing refinance to micro units in manufacturing, trading, and service sector in rural and urban areas.
I. SCHEDULED COMMERCIAL BANKS
A. Public Sector Banks
Should have earned profit during the last 2 years failing which minimum external rating of long-term instruments not below A-(minus) from accredited credit rating agencies.
- Level of Net NPAs not exceeding 15%.
- CRAR as stipulated by RBI from time to time.
- Net worth above Rs.250 crore.
B. Private Sector Banks
Should have earned profit during the last 2 years failing which minimum external rating of long term instruments not below A-(minus) from accredited credit rating agencies.
- Level of Net NPAs not exceeding 10%.
- CRAR as stipulated by RBI from time to time.
- Net worth above Rs.250 crore.
C. Regional Rural Banks
- Should have earned a net profit for preceding two years.
- Level of Net NPAs equal to or less than 6%.
- CRAR as stipulated by RBI from time to time.
- Net Owned Fund above Rs.50 crore.
D. Small Finance Banks
Should have been granted a final license by the Reserve Bank of India (RBI) for carrying on Small Finance Bank business and have commenced operations of the Small Finance Bank.
SFB/previous entity prior to conversion into SFB (taken together) should have earned profits during the last 2 financial years
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Should have a sizeable outstanding portfolio (> `500 crore) comprising advances to micro/small enterprises in respect of income generation in manufacturing, services, trading, or activities allied to agriculture /other activities approved/to be approved under PMMY loans from time to time.
Should have strong fundamentals based on the last audited balance sheet.
CRAR as stipulated by RBI from time to time.
Net worth greater than or equal to 100 crores.
Gross NPA less than or equal to 5%.
II. MICRO FINANCE INSTITUTIONS
Should be a registered legal entity lending to micro units meeting the loan size criteria of MUDRA (which presently loan size of Rs.1 lakh or as stipulated by RBI from time to time) for at least 3 years or the promoters /management should have an experience of at-least 10 years.
Should have received minimum capacity assessment rating as indicated below :
Mfr-4 (equivalent to CRISIL) for TN, Kerala, Karnataka and Puducherry
MFIs in other remaining states.
Should target own account enterprises within micro units category i.e. business run by the owner.
Three years profitable track record, Recovery performance not less than 90%, Portfolio at Risk > 90 days below 5% (relaxable up to 7% on a case-to-case basis) for MFIs.
Should be a member of credit bureaus as per RBI policy.
Has a minimum term loan/refinance requirement of Rs.0.50 crore.
Targets the poor, especially women, and is secular.
Has audited financial statements (in the case of an NGO with microfinance as a program, the NGO should have separate audited financial statements for the MFI program) and
For NBFCs or any other MFI set up for/by taking over the existing MF operations of another entity, the track record of the earlier entity can be considered for existence, past ratings, etc., guidelines relating to the value of FDRs to be placed as security, etc. subject to continuity of promoters/senior management/transfer of major (> 60%) part of the MF operations of the earlier entity.
III. NON-BANKING FINANCE COMPANIES (NBFCs) Pradhan Mantri Mudra Yojana
A. Larger NBFCs i.e. Assets size > Rs.500 crore
The NBFC should be registered with RBI as an Asset Finance Company (AFC) or Loan Company. In respect of NBFC-Loan Company, a CA certificate that if the loan is given for income-generating activities, 60% of the income comes from productive assets should be furnished. Two Tier NBFCs extending loan/resource support to MFIs (both NBFC-MFIs and non-NBFC MFIs complying with RBI norms for NBFCMFIs or priority sector status) for lending to ultimate borrowers would also be considered
NBFC should have been in business for 5 years and should have earned Net Profit for the last 3 years. In the case of the NBFCs financing second-hand vehicles, the NBFC needs to have experience of 3 years in the activity and also have recorded profit during the period.
- Minimum Net Owned Fund of Rs.20 crore and Minimum Asset size of Rs.500 crore.
- CRAR-Minimum 15%.
- Minimum Gross NPA & Net NPA would be based on the rating of the agency.
- External rating range of BBB+ and above.
B. SMALLER NBFCs i.e. Asset size less than Rs.500 crore Pradhan Mantri Mudra Yojana
The NBFC should be registered with RBI as an Asset Finance Company (AFC) or Loan Company. In respect of NBFC-Loan Company, a CA certificate that if the loan is given for income-generating activities, 60% of the income comes from productive assets should be furnished. Two Tier NBFCs extending loan/resource support to MFIs (both NBFC-MFIs and non-NBFC MFIs complying with RBI norms for NBFC-MFIs or priority sector status) for lending to ultimate borrowers would also be considered
Should have been in business for 5 years and earned a Net profit for the last 3 years. In the case of the NBFCs financing second-hand vehicles, the NBFC needs to have experience of 3 years in the activity and also have recorded profit during the period. Preference may be given to NBFCs enjoying well-conducted credit facilities from Scheduled Commercial Banks.
- Minimum Net Owned Fund of Rs.15 crore and Minimum Asset size of Rs.25 crore.
- The NBFC normally has done lending business of at least Rs.20 crore during the immediately preceding financial year.
- CRAR-Minimum 15%.
- Minimum Gross NPA & Net NPA would be based on the rating of the agency.
- External rating range of BB- and above.
Fiscal Incentives: Pradhan Mantri Mudra Yojana
To signify the stage of growth/development and funding needs of the beneficiary micro unit/entrepreneur and also provide a reference point for the next phase of graduation/growth to look forward to, MUDRA offers incentives through these interventions:
- Shishu: covering loans upto 50,000/-
- Kishor : covering loans above 50,000/- and upto 5 lakh
- Tarun : covering loans above 5 lakh and upto 10 lakh
Generally, loans upto 10 lakh issued by banks under Micro Small Enterprises is given without collaterals. Pradhan Mantri Mudra Yojana
Important Links: Pradhan Mantri Mudra Yojana
- Read In Gujarati
- Read In Hindi
- For More Information Click Here
Mudra Loan Form Kit [PDF] Pradhan Mantri Mudra Yojana
- Common Loan Application Form For Kishor And Tarun [PDF File]
- Application Form For Shishu [JPG File]
- Check List For Shishu Application[JPG File]
Banker’s Kit: Pradhan Mantri Mudra Yojana
Application form for Claiming Refinance [Docx File] Pradhan Mantri Mudra Yojana
Data Submission for Claiming Refinance [Docx File] Pradhan Mantri Mudra Yojana
Objective Of The Scheme: Pradhan Mantri Mudra Yojana
Mudra loan is extended for a variety of purposes which provide income generation and employment creation. The loans are extended mainly for :
- Business loan for Vendors, Traders, Shopkeepers and other Service Sector activities
- Working capital loan through MUDRA Cards
- Equipment Finance for Micro Units
- Transport Vehicle loans
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