Mudra Loan Kya Hai? 5 लाख रुपये का Instant लोन कैसे पाए?5 min read

Pradhanmatri Mudra Yojana

Hello friends, as soon as the bank loan comes to the mind of a middle class person in our country, he gets a little scared. Because we all know about the loan system of Indian banks and their annual interest rate. But if we look at the government scheme in all the ways and after a little investigation, then we will find many such ways by which we can take loan without paying interest. One such method Pradhanmantri is new which is known as Mudra loan.

If you are thinking that, don’t we have any alternative and best way for this? Ha! In our many such ways in which we can apply for the loan, we will get the loan from work in interest. One of the popular method is Mudra Loan and here we are going to know about Mudra loan yojana in detail.

Mudra Loan Kya Hai?

Many such schemes come in the Indian government or any private sectors, about which common people can get a lot of useful information. But ever since the Internet has started using logos, since then every scheme has become common.

Mudra whose full form is “Micro Units Development and Refinance Agency”

If we start a startup, then no one is ready to give us any funding, nor does any bank want to give loan. In such a situation, many fail because of small business funding.

Because of which the situation is such that very few Startups in India are able to go ahead. Every year such updates are sent to the Indian government that 500 or 1000 Startups were closed due to non-availability of Bank loan. We all know that if business increases in the country, then Productivity will increase and along with it people will get employment.

Along with this, increasing business also benefits the government in the form of tax, so the government had to find a solution to this problem of such people, and soon by launching the Indian Government Mudra Loan Yojana, a new way was opened for the small business owner. .

Under Mudra loan Yojana, any person can take an instant loan of up to Rs 10 lakh to grow a business or start a business, and for this he will not have to go around the bank, nor walk in front of investors for funding. Will have to

Mudra Yojana Se Kya fayda Hai?

So far, loans worth more than Rs 228146 crore have been disbursed under this scheme. To promote business, the biggest benefit of applying Mudra loan online is that,

In this, we get a loan without any guarantee, like if we apply for a loan from the bank, then they need many documents as a guarantee, whereas there is nothing like this in this scheme.
With this, we have to pay a few rupees as processing charge for the loan to be approved and if we get a loan from Mudra Yojana, then we will not be charged a single rupee as processing charge.
The purpose of this scheme is to empower women and its main focus is on women only, out of all the loans disbursed so far, there are 3 women out of every 4 people.

Mudra Loan Yojana का लाभ कौन ले सकता है?

As I mentioned above that this scheme is for such a person who is doing a small or medium business or wants to start his own business. Any such person can take a loan without security up to Rs 10 lakh under this scheme.

This plan is divided into three main parts,

Shishu Loan: This is the most basic Mudra loan scheme and in this we can get loan up to Rs.50,000 under Pradhan Mantri Loan Yojana.
Kishor Loan: In this we can get loan from Rs 50,000 to Rs 5,00000.
Tarun Loan: If we apply for this scheme then we can get a loan ranging from Rs 5,00,000 to Rs 10,00,000.

हम कैसे ले सकते है लोन?

There are some schemes which look very good to us, but if we take them without understanding, then many times we also come in loss.

Till now whatever we have learned about Mudra loan Yojana is all true and if we apply for it then we will get loan in a better way than bank loan. But this scheme has its own conditions, about which it is very important for all of us to know.

If we want to apply for Mudra loan scheme, then we have to apply for it at any bank branch and we should have some such documents for this application.

If you are applying to start your own business, then the Onwership certificate of the House in which your business will start or if it is a Rent House, its Rent Agreement will be required.
PAN Card and Aadhaar Card will be required.
Whatever business you are starting, you will need complete information about it as well as a project report.
Business Registration Certificate will be required.

These are the main documents that you should have, along with this you may need many more documents and certificates, one more thing with this.

There is no Fixed interest rate in Mudra loan Yojana and it varies according to the bank, if the Economic Times is to be believed then its Normal Interest will be 12%.

If we are satisfied with all these conditions, then we can apply for Mudra loan Yojana from these four types of banks.

  • Scheduled commercial banks
  • Reginal Rural Banks
  • Scheduled Urban Co-operative banks
  • Micro Financial Institutions Viz. Trust etc.

First of all, we have to go to website and download this form for whatever type of loan we want to apply for. Like Kishor Loan Scheme Form.

After downloading the form, we have to go to the bank branch with all the documents and from there we can apply for it.

Friends, Mudra Loan Scheme is better if you want a loan without wasting time, and according to the news update, the time to repay its loan is also going to increase by 5 more years. But whenever you apply for it, first understand all its conditions well and then apply, if you have any question, then you must comment.

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