Mudra Yojana kya hai
PM Mudra Yojana April 2015 mein shuru hui taaki chhote businesses ko formal loan mil sake. Mudra khud loan nahi deti: loan bank, small finance bank, regional rural bank, NBFC aur microfinance institutions dete hain, aur sarkar-samarthit Credit Guarantee Fund for Micro Units (CGFMU) inki guarantee deta hai. Isliye collateral ki zaroorat nahi hoti.
Chaar categories
| Category | Loan amount | Kiske liye |
|---|---|---|
| Shishu | ₹50,000 tak | Naya ya bahut chhota business |
| Kishor | ₹50,000 se zyada, ₹5 lakh tak | Badhta hua business |
| Tarun | ₹5 lakh se zyada, ₹10 lakh tak | Jama hua chhota business |
| Tarun Plus | ₹10 lakh se zyada, ₹20 lakh tak | Sirf woh jinhone Tarun loan lekar poora chuka diya |
Tarun Plus Union Budget 2024-25 mein announce hua aur 24 October 2024 ko notify hua.
Kaun apply kar sakta hai
- Manufacturing, trading ya services ka non-farm, kamaai wala business chalane wale log, proprietorship, partnership aur companies
- Kheti se jude kaam, jaise dairy, poultry aur beekeeping
- Business kisi bank ka defaulter nahi hona chahiye
Personal zarooratein (shaadi, phone, travel) isme nahi aatin. Unke liye personal loan sahi hai.
Interest rate aur charges
Mudra ki koi ek interest rate nahi hai. Har lender RBI ke rules ke andar apni rate tay karta hai, isliye rate lender aur aapki profile ke hisaab se badalti hai. Sign karne se pehle Key Fact Statement (KFS) maangiye, jisme rate, APR aur saare charges likhe hote hain.
Aam taur par maange jaane wale documents
- Owner ka Aadhaar aur PAN
- Business proof: Udyam registration, GST certificate, shop licence wagairah
- Pichhle 6–12 mahine ke bank statements
- Jo machine ya maal khareedna hai uska quotation
- Kishor aur upar ke liye: income tax returns aur simple financial statements, agar hon
Apply kaise karein
- Apne paas ke bank, small finance bank, NBFC ya MFI branch jaayein, ya sarkar ke Udyamimitra portal par online shuru karein.
- Form bharein aur documents lagaayein.
- Lender aapka business aur credit history dekhkar amount aur rate tay karta hai.
Mudra mein koi agent ya middleman nahi hota; loan pass karaane ke naam par paise maangne walon se savdhaan rahein (loan fraud se kaise bachein).
Mudra ya regular business loan?
Mudra pehle loan aur chhoti amount ke liye achhi hai. Zyada amount chahiye ya bank statements ke basis par jaldi faisla chahiye, to bank aur NBFC ka regular business loan behtar ho sakta hai. Aur padhein: Mudra loan kya hai.
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.