Bharat mein karodon micro, small aur medium enterprises (MSME) hain — kirana dukaanein, workshops, chhote kaarkhane, service dene wale business. MSME loans inhi ke liye hain.
MSME kaun hai
1 April 2025 se laagu limits ke hisaab se (investment aur turnover dono):
| Category | Plant/machinery mein investment | Saalana turnover |
|---|---|---|
| Micro | ₹2.5 crore tak | ₹10 crore tak |
| Small | ₹25 crore tak | ₹100 crore tak |
| Medium | ₹125 crore tak | ₹500 crore tak |
Udyam registration (free, online) se aapka business officially MSME maana jaata hai.
MSME loan ke types
- Term loan — machine, expansion ya nayi unit jaisi ek baar ki zaroorat ke liye, tay EMI mein.
- Working capital — stock, raw material aur udhaari ke liye; aksar credit line ya overdraft. Dekhein working capital loan.
- Bina girvi loan — turnover aur banking ke basis par. Dekhein unsecured business loan.
Madadgaar sarkari schemes
- Mudra (PMMY) — micro enterprises ke liye: Shishu (₹50,000 tak), Kishore (₹50,000–₹5 lakh), Tarun (₹5–10 lakh) aur Tarun Plus (₹10–20 lakh, sirf Tarun loan chuka chuke udyamiyon ke liye). Padhein Mudra loan kya hai.
- CGTMSE — member lenders micro aur small enterprises ko bina collateral loan de sakte hain; 1 April 2025 se cover ₹10 crore tak.
Yeh schemes banks, NBFCs aur MFIs ke zariye chalti hain; application par faisla lender karta hai.
Lenders kya dekhte hain
Business ka vintage, turnover, bank statements, GST/ITR, chal rahe karz aur owner ka credit record. Puri jaankari: eligibility aur documents.