top*advantages of pradhan mantri mudra yojana

Advantages of Pradhan Mantri mudra yojana, 

benefits of mp mudra loan scheme. 

You must have heard about the Pradhan Mantri Mudra Bank Yojana, 
Pradhan Mantri Mudra Yojana is an important scheme launched by the Central Government in April 2015,

 

Through this article you will get accurate information about the following facts like-

1. What is Mudra Bank Scheme?
2. What is the type of loan and how much amount is available under Mudra Bank Scheme?
3. How to apply for Pradhan Mantri Mudra Loan?
4. What are the documents required for Mudra loan application?
5. What is the purpose of Mudra Bank Scheme?
6. Why Pradhan Mantri Mudra Bank Scheme is required /
7. What are the salient features of Pradhan Mantri Mudra Bank Scheme?
8. Information related to exemption on interest in Pradhan Mantri Mudra Yojana due to COVID-19

 And other facts related to it-

Now let's understand all these important facts one by one easily,

First of all, what is the Mudra Bank Scheme -

The Mudra Bank Scheme is an important scheme launched in April 2015 under the rule of Prime Minister Narendra Modi, the full name of the scheme is full form of mudra yojana - micro unite development re-finance agency, it has a term re finance agency. , This means that the amount that the common citizens get under Mudra loan is refined to all commercial banks by SIDBI - called Small Industrial Development Bank of India.

Now let's talk about the amount of Mudra loan available or how many categories of Mudra loan are available.

Friends Mudra Loan Scheme is mainly classified into three parts, this classification is based on the amount of loan,

This classification is as follows -

CATEGORY OF PM MUDRA LOAN

1. Shishu Mudra Loan
2. Kishore Mudra Loan and
3. Tarun Mudra Loan

Now let's talk about - What is Shishu Mudra Loan?

Shishu Mudra Loan is a classification of Mudra Bank Scheme, in which loans are available for a maximum amount of ₹ 50000.

 The second category is Kishore Mudra Loan. In this, loan amount ranging from minimum 50000 to maximum ₹ 500000 is kept under Kishore Mudra Loan.

 Similarly, amount ranging from ₹ 500000 to maximum ₹ 1000000 is counted in Tarun Mudra Loan,

 Thus the maximum amount of Mudra loan has been fixed up to ₹ 1000000.

 Now let's talk about what works are available under the Pradhan Mantri Mudra Yojana-

Under this scheme, loans are available under this scheme to all categories of entrepreneurs, whether it is from service sector or production sector.

 It is worth noting here that loans for agricultural work are not available to farmers under the Pradhan Mantri Mudra Yojana, as the government has already continued to operate the Kisan Credit Card Scheme separately for the agricultural sector. , That is, loans under this scheme can be availed for works other than agricultural work, whether it is for the start of a small shop or for expanding the already established industry.

 What are the documents required to get a Pradhan Mantri Mudra Loan

The following documents are required to apply under Pradhan Mantri Mudra Loan, whose list is given below.

List of important document for Mudra loan in Hindi.

1. Identification documents like Aadhaar card, driving license, voter ID card etc.
2. Documents required for address - Aadhar card, Voter ID card, Driving license
3. Two recent passport size photos
4.  Quotation relating to the amount of purchase of equipment for the category for which you are applying
5. Documents related to the place where the business is to be started

(For example - if you want to start a shop and if the shop is operated on rent, then in this case a rent agreement is required as well as a photograph of that place.

 How and where to apply for PM Mudra loan / How to apply for PM Mudra loan in Hindi

Prime Minister Mudra loan can be applied in two ways

Offline application

Online Application

 To apply offline under this scheme, one has to apply to the nearest branch of National Bank along with the documents mentioned above.

Apply online for Mudra loan / apply online for Mudra loan

To apply for a Mudra loan online, one has to sign in on the Mudra Loan portal, this process is very easy and in this article you will also get a link using which you can apply online,

 

To apply for Mudra loan online, first of all one has to login on Mudra Loan portal, after that make your profile, it is a very easy process, in which information related to applicant's name, address, caste, category and business Have to register,

 After creating the profile, you will get the interface related to applying for Mudra loan online, here you have to click on the application for loan portion, here you will have three categories of Mudra loan like

• Apply for Shishu Mudra loan upto 50000 
• apply for Kishore Mudra loan upto 5 lakh 
• apply for Tarun Mudra loan upto 10 lakh

Options will be available,

Here you can choose the option according to your category and your requirement.

Download Prime Minister Mudra Loan application form / PM-MUDRA LOAN - APPLICATION FORM PDF DOWNLOAD

What is the purpose of PM Mudra loan / objective of PM Mudra loan

the objective of the Pradhan Mantri Mudra Loan Scheme is very clear and that is to promote self-employment in the country, all the measures have been adopted under this scheme so that the youth, educated persons and other people who wish to do self employment To provide financial assistance to make self-reliant those who have the skills to conduct employment, etc., who aspire to become first generation entrepreneurs, as well as current small entrepreneurs who are expanding their business activities Wish to do,

The main objective of this scheme is to empower all of them financially for the smooth running of their businesses.

Simultaneously, the scheme has been implemented with the objective of strengthening India's economic condition by ending unemployment through self-employment.

Mudra Bank will benefit about 60 million small businessmen in the country,

Small manufacturing units and shopkeepers will get loan from this,

 Along with this, those who operate vegetables, salons, tea shops, people doing all similar small businesses will also get loans under this scheme.

In the Pradhan Mantri Mudra Yojana schemes have been made according to every sector

Features of PM Mudra Yojana / main feature of PM Mudra loan scheme

The salient features of Pradhan Mantri Mudra Bank Scheme are as follows -

• Under this scheme, small entrepreneurs can be given loans ranging from ₹ 50000 to ₹ 1000000 at a low interest rate.
•  The central government will spend 20000 crore rupees on this scheme, as well as a credit guarantee of three thousand crores has been kept for this.
• Mudra Bank will refinance small finance institutions so that they can give loans to small entrepreneurs under Pradhan Mantri Mudra Yojana.
• Mudra Bank will help about 60 million small business units across the country. They have to face many problems in getting loans from the bank. Under this scheme, provisions have been made to remove the difficulties faced by small entrepreneurs in taking loans. .

Another major feature of the Pradhan Mantri Mudra Bank Scheme is the Mudra Card. It will be similar to a debit card in that it will allow access to the working capital through any ATM and card machines, also called working capital .

SIDBI (Small Industrial Development Bank of India) has issued a circular, which will apply to all nationalized banks and non-banking finance companies, as well as micro finance institutes, in view of the transition of Kovid-19 epidemic on Shishu Mudra Loans. This circular of SIDBI, which has provided loans under Pradhan Mantri Mudra Yojana to various individuals, is due to the difficulties in repaying the bank's EMI due to the fall in the income of the loaned person under the Mudra Bank Scheme due to the epidemic-19 There is a relief news for the friends, this circular of friends SIDBI mainly provides relief to the people who are getting Shishu Mudra loan, under this circular provisions have been made to reduce the interest rate on Shishu Mudra loan for a total of 12 months .