PM Mudra Yojana: The special thing about the loan available under PM Mudra Yojana is that three out of four people taking loans under this are women.
The Central Government has started the Pradhan Mantri Mudra Yojana to start small enterprises. Under this, people are given a small amount of loan to start their enterprise (business). This scheme was started in April 2015.
What is the purpose of Mudra Yojana (PMMY)? , The Central Government’s Mudra Yojana (PM Mudra Yojana) has two objectives. First, easy loan for self-employment. Second, to create employment through small enterprises.
If you are also facing the problem of capital to start your business, then you can make your dream come true with the PMMY of the Central Government.
The thinking of the government is that on getting easy loans, people will be motivated for self-employment on a large scale. This will also create a large number of employment opportunities. Before the Mudra Yojana (PM Mudra Yojana), a lot of formalities had to be completed in taking a loan from the bank for the small enterprise. A guarantee had to be given to take the loan. Because of this, many people wanted to start an enterprise, but were hesitant to take a loan from the bank.
Focus on women The full name of Pradhan Mantri Mudra Yojana (PMMY) is Micro Units Development Refinance Agency. The special thing about Mudra Yojana (PMMY) is that out of four people who have taken loans under it, three are women.
According to the website created for PMMY, till March 23, 2018, loans worth Rs 228144 crore have been approved under the Mudra scheme. The government has disbursed loans worth Rs 220596 crore till March 23 this year under the Mudra scheme.
What are the benefits of Pradhan Mantri Mudra Yojana (PMMY)? Under the Mudra Yojana (PM Mudra Yojana), loans are available without guarantee. Apart from this, no processing charge is also charged for the loan. The loan repayment period under Mudra Yojana (PMMY) can be extended up to 5 years. The borrower gets a Mudra card, with the help of which the expenditure on business needs can be done.
Who can take loan under Mudra Yojana (PMMY)? Any person who wants to start his own business can take loan under PMMY. If you want to carry forward the existing business and need money for it, then you can apply for a loan of up to Rs 10 lakh under the Pradhan Mantri Mudra Yojana.
There are three types of loans in Mudra (PMMY):
Shishu Loan: Loans up to Rs 50,000 are given under Shishu Loan.
Kishor Loan: Loans ranging from 50,000 to 5 lakh rupees are given under Kishore Loan.
Tarun Loan: Loans ranging from Rs 5 lakh to Rs 10 lakh are given under Tarun Loan.
What are the interest rates on Mudra Loan (PMMY)? , There is no fixed interest rate under the Pradhan Mantri Mudra Yojana. Different banks may charge different interest rates for Mudra loans. The interest rate also depends on the nature of the business of the borrower and the risk involved. Generally the minimum interest rate is 12%.
How can you take PMMY loan? , For loan under Mudra Yojana (PM Mudra Yojana), you will have to apply in a government or bank branch. If you want to start your own business, then you will have to provide many other documents including house ownership or rental documents, work related information, Aadhar, PAN number.
The branch manager of the bank takes information from you about the work. On that basis PM Mudra Yojana approves loan to you. Depending on the nature of the work, the bank manager may ask you to prepare a project report.
For more information about PMMY you can visit this website: http://www.mudra.org.in/
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