Home केंद्र सरकार की योजनाएं Pradhan Mantri Mudra Loan Yojana 2020 – Required Documents, Objectives

Pradhan Mantri Mudra Loan Yojana 2020 – Required Documents, Objectives

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प्रधानमंत्री मुद्रा लोन योजना का शुभारम्भ हमारे देश के प्रधानमंत्री श्री नरेंद्र मोदी के द्वारा वर्ष 2015. लघु व्यवसाय शुरू करने के लिए 10 लाख तक का ऋण दिया जाएगा |

प्रधानमंत्री मुद्रा ऋण योजना 2020 – आवश्यक दस्तावेज, उद्देश्य: भारत में कई लोग हैं जो अपना खुद का व्यवसाय शुरू करना चाहते हैं, लेकिन पैसे की कमी के कारण वे अपना खुद का व्यवसाय शुरू करने में असमर्थ हैं। ऐसे लोगों के लिए, केंद्र सरकार ने प्रधानमंत्री मुद्रा ऋण योजना 2020 लागू की है। इस योजना के तहत, केंद्र सरकार द्वारा व्यवसाय शुरू करने के लिए एक छोटा ऋण प्रदान किया जाता है। आप इस पोस्ट में प्रधानमंत्री मुद्रा ऋण योजना 2020 के बारे में अधिक जानकारी प्राप्त कर सकते हैं।

Pradhan Mantri Mudra Loan Yojana 2020 – Required Documents, Objectives: There are many people in India who want to start their own business but due to lack of money they are unable to start their own business. For such people, the Central Government has implemented the Pradhan Mantri Mudra Loan Yojana 2020. Under this scheme, a small loan is provided by the central government to start a business. You can get more information about Pradhan Mantri Mudra Loan Yojana 2020 in this post.

Pradhan Mantri Mudra Loan Yojana 2020 (प्रधानमंत्री मुद्रा ऋण योजना 2020)

 प्रधानमंत्री मुद्रा ऋण योजना 2020 के तहत जो लोग लोन लेना चाहते है उनको लोन लेने के लिए कोई प्रोसेसिंग का भी कोई चार्ज भी नहींप्रधानमंत्री मुद्रा ऋण योजना 2020 |

प्रधानमंत्री मुद्रा ऋण योजना 2020 पीएम मुद्रा लोन योजना के तहत, मुद्रा का मतलब है माइक्रो-यूनिट्स डेवलपमेंट एंड रिफाइनेंस एजेंसी (MUDRA) जो एक लोन स्कीम है। यह योजना अप्रैल 2015 में प्रधान मंत्री नरेंद्र मोदी द्वारा लागू की गई थी। पीएमएम ऋण योजना के तहत, गैर-कृषि और गैर-कॉर्पोरेट सूक्ष्म और लघु उद्यमों को 10 लाख रुपये तक के ऋण दिए जाते हैं। इस योजना के माध्यम से, लाभार्थी किसी भी वाणिज्यिक बैंकों, छोटे वित्त बैंकों, आरआरबी, सहकारी बैंकों, एमएफआई और एनबीएफसी से संपर्क करके मुद्रा ऋण प्राप्त कर सकते हैं।

Under the PM Mudra Loan Scheme, Mudra means Micro-Units Development and Refinance Agency (MUDRA) which is a loan scheme. This scheme was implemented by Prime Minister Narendra Modi in April 2015. Under the PMM Loan scheme, loans up to Rs 10 lakh are given to non-agricultural and non-corporate micro and small enterprises. Through this scheme, beneficiaries can obtain Mudra loans by contacting any commercial banks, small finance banks, RRBs, cooperative banks, MFIs, and NBFCs.

Mudra Loan Scheme 2020 – प्रधानमंत्री मुद्रा योजना

  1. इस शिशु मुद्रा लोन के तहत 50000 रूपये तक का क़र्ज़ दिया जाता है  (शिशु मुद्रा लोन)
  2. इस किशोर मुद्रा लोन के तहत 50000 रूपये से लेकर 5   लाख रूपये तक का कर्ज दिया जाता है |(किशोर मुद्रा लोन)
  3. इस तरुण मुद्रा लोन के तहत 5 लाख रूपये से लेकर 10 लाख रूपये तक का कर्ज दिया जाता है |(तरुण मुद्रा लोन)

Objectives of the PM Mudra Loan Scheme 2020

  • The main objective of the PM Mudra Loan Scheme is to provide easy loans for self-employment to people desirous of doing business.
  • Along with this, employment opportunities have to be increased through small enterprises.
  • Due to the easy loans, people will be motivated for self-employment and will also become employment opportunities.

Benefits of the PMML Yojana

  • This loan does not require any guarantee and does not have to fulfill many formalities.
  • Apart from this, there is no processing charge on taking a loan under this scheme.
  • Under this scheme, the repayment period can be extended up to 5 years.
  • A Mudra card is also given under Pradhan Mantri Mudra Loan through which business expenses can be incurred.

Categories under Pradhan Mantri Mudra Loan Scheme 2020

To apply in this scheme, three types of people have been kept, on the basis of which the loan amount will be determined.

Shishu Loan:-This loan is given to those people who want to start their business or whose business is in the initial stage. Under this, a loan of up to 50,000 rupees can be obtained by making an application.

Kishore Loan:-This loan is given to such people who have started their business but need more money. Under this, a loan of Rs 50,000 to Rs 5 lakh can be obtained by the beneficiary.

Tarun Loan:-This loan given under the Pradhan Mantri Mudra Loan Scheme is given to those people whose business is established but they want to expand their business further. The amount of loan given under it varies from Rs 5 lakh to Rs 10 lakh.

How to apply for the Pradhan Mantri Mudra Loan Yojana 2020?

Candidates can apply online for the PMMLY through the official site. For this purpose, the applicant requires to download the application form from the authorized web portal and fill the form. After filling the all mandatory details applicants require to submit the PMML Application Form at the nearest private or public bank. Here we provide some steps which are required to fulfill for downloading the PM Mudra Loan Application Form:-

  • Visit the official site mudra.org.in
  • Then scroll down and then select the loan from Shishu, Kishore, and Tarun.
  • After then click on the related Application Form for which you want to apply.
  • Fill all the mandatory details which are required to fill.
  • Submit the application form to the private or public bank along with the required documents.

Required Documents Under the different categories

Under Shishu Loan:-

  • Machinery quotations and other items to be purchased.
  • Description of machinery to be purchased.
  • Borrowers will also have to provide machinery supplier details.

Under Kishore Loan:-

  • Existing banker’s statement of last 6 months, if any.
  • The balance sheet for the last 2 years.
  • Income / Sales Tax Return.
  • Estimated balance sheet for 1 year or loan period.
  • Memorandum and Articles of Association, if any.
  • Sales prior to filing loan application and in the current FY.
  • Borrowers will also have to submit a report on the economic and technical feasibility of the business.

Under Tarun Loan:-

  • Apart from the above, the borrower must also provide:
  • Certificate of SC, ST, OBC, etc.
  • Address proof
  • Identity proof.

Under the Mudra loan, special attention has been paid to the development of women as it is necessary to have at least 3 women out of the four people to apply in this scheme. The repayment period of the loan under this scheme is 3 to 5 years. Is of In this, a minimum interest is also levied on the loan amount, which can be up to 12%.

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Vijendra Choudhary is the Author & Co-Founder of the Arealnews.com. He has also completed his BCA & MCA in Computer Engineering from RTU Rajasthan. He is passionate about Blogging & Digital Marketing. He has 6+ years of Experience in Digital Marketing.

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