Pradhan Mantri Mudra Yojana (PMMY) chhote aur micro business ko loan dilaane ke liye 2015 mein shuru hui sarkari scheme hai. Dhyaan rakhein: Mudra koi alag bank nahi jo seedha loan de — loan banks, NBFCs aur micro-finance institutions (MFI) is scheme ke tahat dete hain, aur faisla wahi karte hain.
Mudra loan ki categories
| Category | Loan amount | Kiske liye |
|---|---|---|
| Shishu | ₹50,000 tak | Bilkul naya ya bahut chhota kaam |
| Kishore | ₹50,000 se ₹5 lakh | Kaam shuru ho chuka, badhana hai |
| Tarun | ₹5 lakh se ₹10 lakh | Jama hua business, expansion ke liye |
| Tarun Plus | ₹10 lakh se ₹20 lakh | Sirf unke liye jinhone Tarun loan lekar time par chuka diya (Budget 2024-25 mein jodi gayi) |
Kaun le sakta hai
Non-farm income wale micro enterprises — jaise dukandaar, vyapari, chhote manufacturers, service dene wale (beauty parlour, repair shop, tailor), food business, transport wale — aur agriculture se judi kuch activities (jaise dairy, poultry, madhumakkhi palan). Har lender apni shartein aur jaanch karta hai.
Mudra loan kis kaam ke liye
- Machine ya equipment kharidna
- Stock aur raw material
- Dukaan ya unit ka expansion
- Working capital
- Commercial gaadi (kuch cases mein)
Kahan aur kaise apply karein
- Apne bank, NBFC ya MFI se sampark karein — kai banks online application bhi lete hain.
- Business plan taiyaar rakhein — kaam kya hai, kitna paisa chahiye aur kis par lagega.
- Documents — pehchaan (Aadhaar, PAN), address proof, business proof (Udyam registration, licence), bank statements aur kharide jaane wale saamaan ke quotations.
- Lender jaanch ke baad faisla karta hai.
Udyam registration free hai aur isse aapka business MSME ke roop mein pehchana jaata hai — apply karne se pehle karwa lein.
Dhyaan rakhein
- Scheme ke naam par koi "registration fee" ya "agent fee" maange to saavdhaan rahein — padhein loan fraud se kaise bachein.
- Interest rate scheme tay nahi karti; yeh lender aur aapki profile par depend karti hai.
- Time par kisht chukane se aage bade loans (jaise Tarun Plus) ka raasta khulta hai.
Mudra ke alawa
Agar amount zyada chahiye ya aapka business Mudra ki category se bahar hai, to normal business loan dekhein — MSME loan, business loan eligibility aur business loan kaise le.
Yeh guide general jaankari hai, financial advice nahi. Interest rate, fees, eligibility aur doosri shartein har lender tay karta hai aur badal sakti hain; examples ke numbers sirf samjhane ke liye hain. Oxon Fintech loan dilaane wala platform hai, lender nahi — loan hamare lending partners sanction aur disburse karte hain.