The government is giving loans up to Rs 10 lakh to run its own business… Pradhan Mantri Mudra Yojana

The government is giving loans up to Rs 10 lakh to run its own business… Pradhan Mantri Mudra Yojana

What people don't know, what is Prasad Mudra Yojana? Let's discuss that topic today. This is an auspicious act on April 1, 2010 by an improper publicist of the scheme. The scheme has no problem in any person's business or the answer is that it can be carried forward, people can apply in mudra loan. So let's go

What are the benefits of Mudra Yojana:

The common man can apply for a loan for a mudra scheme without any guarantee or collateral.
There is no processing fee for this loan.
The repayment period in this scheme is extended to 5 years.
Planned by women will have to pay 0.5% less interest.
This Working Capital Loan can be given through Mudra Card.
Loan facilities for manufacturing, business areorphora activities

Who can apply for this type of loan?
  • Anyone who wants to start a firm, (non-agricultural) new business or take up their own business can apply for a loan of up to Rs 10 lakh.

  • Infant Loan - Loan up to Rs. 50,000 / -
  • Juvenile loan - Rs. 50,000 / - to Rs
  • Youth loan - from Rs. 3 lakhs to Rs. 10 lakhs

Loans for vehicle transaction activities: Loans for buying auto rickshaws, small freight vehicles, wheelers, passengers.
Loans for collective, social and personal service activity: such as salon, beauty
Loans for salons, beauty parlors, gym boutiques, tailor shop, dry cleaning, bicycle and motorcycle repair shop, shop for Xerox, drug store, courier agents services etc.

Loans for Food Products Activities: Home industries such as making papad, pickles, jams or jellies, conservation of agricultural products at village level, sweet shops, small food stalls and canteen services, ice and ice cream making units, biscuit, bread making units etc.

  1. Self certified copy of Election Card / Aadhaar Card / Driving License / Passport.
  2. Light Bill / Phone Bill / Property Tax Receipt (not older than 2 months) / Voter ID Card, Aadhar Card and Passport of Owner / Partners.
  3. Proof of SC / ST / OBC minority.
  4. Proof of identity / address of the business enterprise - relevant license / registration certificates / documents of ownership of the business, identity and other documents related to the address.

There should be no bank account / no defaulter in the financial institution.
Current banker, if any, statement of accounts (last six months)
Partnership deed (in case of partnership firm) etc.

A statement of assets and liability (in the absence of a party guarantee) may be made to partners, including borrowers, for information on net-worth.

Owner / Partner Photos (two copies)
Balance sheet of the last two years of the unit with income tax / sales tax returns etc. (Over Rs. 2 lakhs and applicable for all cases)

Estimated balance sheets for one year for loan term in case of working capital limit and term loan (Rs. 2 lakhs and above all applicable)

Sales received in the current financial year from the date of submission of application.
Project report detailing technical and economic environment (for proposed plan).

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