Mudra loan ek aisi scheme hai jo Government of India ne 2015 mein launch ki thi. Is scheme ke antargat chhoti aur madhyam aakaar ki vyavasaayik udyam ko bina jamin ke mudra (loan) pradaan ki jaati hai. Is lekh mein hum Mudra loan scheme, uske features, fayde aur eligibility criteria ke baare mein jaanenge.
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Mudra loan kya hai?
Mudra loan ek financial assistance scheme hai jo Government of India ne 2015 mein launch ki thi. Is scheme ka uddeshya chhoti aur madhyam aakaar ki vyavasaayik udyamo ko traditional banking services ke bina financial assistance pradaan karna hai. Is scheme ke antargat pradaan ki jaane wali loan ko Mudra loan kehte hai, aur yeh teen categories mein uplabdh hai:
Shishu: Is category mein naye vyavasaayik udyamo ko Rs. 50,000 tak ka loan pradaan kiya jaata hai.
Kishore: Is category mein unn udyamo ko Rs. 50,000 se Rs. 5 lakh tak ka loan pradaan kiya jaata hai jo apne vikaas ke avsar par hote hai.
Tarun: Is category mein unn udyamo ko Rs. 5 lakh se Rs. 10 lakh tak ka loan pradaan kiya jaata hai jo apne vistar ke liye funds ki avashyakta hai.
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Mudra loan ke features
Mudra loan scheme ke kuch mukhya features hain:
Bina jamin: Mudra loan ke sabse bade faayde mein se ek hai ki yeh kisi bhi tarah ka jamin na hone ke kaaran bhi pradaan kiya jaa sakta hai. Iska arth hai ki chhoti aur madhyam aakaar ki vyavasaayik udyam bina kisi asset ko jama kiye bhi finance prapt kar sakte hai.
Kam interest rate: Mudra loan ke interest rate traditional bank loans ke mukaable bahut kam hote hai. Isse udyamo ko loan ko bina kisi financial burden ke wapas karne mein aasani hoti hai.
Tezi se processing: Mudra loan ke loan processing time bahut kam hota hai, aur udyamo ko loan ka finance prapt hone mein sirf kuch dino ka samay lagta hai.
Flexible repayment tenure: Mudra loan ke liye repayment tenure flexible hoti hai aur 12 mahine se lekar 5 saal tak ho sakti hai, jiska nirnay loan amount aur loan category par nirbhar karta hai.
Koi processing fee nahi: Mudra loan ke liye koi processing fee nahi lagta hai, jiske kaaran yeh chhoti vyavasaayik udyamo ke liye affordable finance option hota hai.
Mudra loan ke fayde
Mudra loan scheme ke kuch fayde hain:
Finance prapti: Chhoti aur madhyam aakaar ki vyavasaayik udyam kisi bhi asset ko jama kiye bina bhi finance prapt kar sakte hai, jo ki sabse bada benefit hai.
Kam interest rate: Mudra loan ke interest rate traditional bank loans ke mukaable kam
Udyam ka vikaas: Mudra loan ke madhyam se udyam apne vikaas aur vistar ke liye funds prapt kar sakte hai, jo udyam ke liye bahut mahatvapoorn hota hai.
Sarkari support: Mudra loan scheme ek sarkari yojna hai, isliye udyamo ko government ki financial support prapt karne ka mauka milta hai.
Employment generation: Chhoti aur madhyam aakaar ki vyavasaayik udyamo ke finance prapt karne se unki vikaas shakti aur rojgaar uplabdhata ka vikas hota hai.
Mudra loan ke eligibility criteria
Mudra loan ke liye kuch eligibility criteria hai:
- Indian citizen hona.
- Udyam ka registration hona.
- Udyam ko Manufacturing, Processing, Trading, and Service sector mein hona.
- Loan amount aur loan category ke anusaar age limit mein hona.
- Udyam ki financial stability aur profitability ka pramanit hona.
Mudra loan scheme ek bahut hi mahatvapoorn financial assistance scheme hai, jo chhoti aur madhyam aakaar ki vyavasaayik udyamo ke vikaas aur vistar ke liye funds pradaan karta hai. Yeh scheme udyamo ko traditional banking services ke bina financial assistance pradaan karne ka mauka deta hai aur udyam ko government ki financial support prapt karne ka mauka deta hai. Is scheme ke antargat pradaan ki jaane wali loan ko Mudra loan kehte hai aur iska processing time bahut kam hota hai. Mudra loan ke liye kuch eligibility criteria hai, jiske anusaar udyam loan ke liye apply kar sakte hai.