Mudra loan success story: If you want to start a small business of your own, then you will get help from the government in this.
Mudra Loan: If you want to start a small business of your own, then you will get help from the government in this. Under the Mudra scheme of the Modi government, a loan of up to Rs 10 lakh will be easily available to start a business. State Bank of India (SBI) is funding working capital and term loans of small businesses under the Mudra scheme. Many people are making good income every month by taking advantage of this scheme.
Monthly 20 thousand net income doing MBA graduate:
SBI has shared the success story of successful businessmen through Mudra loan. According to the information available on SBI’s website, Gopu Sirisha of Vijayawada set up a paper cups manufacturing unit by taking a term loan of Rs 5 lakh from SBI’s SME Center branch. Sirisha is an MBA graduate but remained a housewife due to family problems. He decided to start his own business to support the family.
Sirisha set up a paper cup manufacturing unit by taking a term loan of Rs 5 lakh from the bank and a cash credit limit of Rs 1.50 lakh. Business was successful. Later her husband also left his private job and joined his business. According to the details available on the SBI website, the estimated turnover of Sirisha in 2017-18 was Rs 33.12 lakh. Net profit is 20 thousand rupees every month after deducting all kinds of liabilities and expenses.
Mudra Loan: Funds are available without collateral security:
Prime Minister Narendra Modi launched the Pradhan Mantri Mudra Yojana (PMMY) on 8 April 2015. Its objective is to provide easy loans up to Rs 10 lakh for non-corporate, non-form small/micro enterprises. Mudra loans can be taken from commercial banks, RRBs, small finance banks, cooperative banks, MFIs and NBFCs. There are three types of loan products ‘Shishu’, ‘Kishor’ and ‘Tarun’.
Loan is available up to Rs 50,000 in Shishu category, Rs 50,001 to Rs 5 lakh in Kishor and Rs 5,00,001 to Rs 10 lakh in Tarun category. According to SBI, the working capital/term loan has to be done in 3-5 years. It also includes a moratorium of up to 6 months. There is no processing fee/upfront fee for Shishu and Kishor loans for MSE units. At the same time, for Tarun category loans, the processing fee is 0.50 percent of the loan amount (effective tax also).
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