Kya announce hua
Union Budget 2025-26 mein Finance Minister ne Udyam portal par registered micro enterprises ke liye ₹5 lakh limit wale customised credit card announce kiye, pehle saal mein 10 lakh card dene ka target. Maksad hai sabse chhote businesses ko roz ke kharch ke liye jaldi credit dena.
Kaun-se bank de rahe hain
Banks ne iske tahat card shuru kiye hain. Jaise, SBI Udyam-registered micro enterprises ke liye ₹50,000 se ₹5 lakh limit wala Micro Credit Card batata hai, aur IDFC FIRST Bank ₹5 lakh tak ka RuPay Micro Enterprise Credit Card deta hai. Limit, fees aur shartein har bank mein alag hain, aur kuch bank yeh card sirf apne existing customers ko dete hain, isliye bank ka apna page zaroor dekhein.
Kise mil sakta hai
- Valid Udyam registration wala micro enterprise (sarkar ke Udyam portal par registration free hai)
- Bank account aur aisa business record jo bank ko manzoor ho
- Final limit bank ke assessment par depend karti hai
Sahi istemaal
- Ise business ke kharch ke liye use karein: maal, saamaan, chhoti repair, bills.
- Interest-free period mein poora due amount chukaayein. Credit card ke baaki par interest term loan se kahin zyada hota hai.
- Personal aur business kharch alag rakhein; isse hisaab aur agla loan application, dono saaf rehte hain.
Card ya loan?
Card chhoti, baar-baar ki zarooraton ke liye theek hai. Ek baar ki badi zaroorat (machine, nayi dukaan, bada order) ke liye fixed EMI wala business loan aam taur par sasta padta hai. Working capital loan ke baare mein bhi padhein.
Oxon Fintech koi sarkari agency nahi hai aur is yojana ki applications nahi leta. Official portal ya bank branch par hi apply karein, aur yojana ka loan pass karaane ke naam par paise maangne walon se savdhaan rahein. Yojana ke rules badalte rehte hain; apply karne se pehle official site dekhein.