Pradhan Mantri Mudra Yojana, What is Mudra Loan? How to Apply for Bank Loan, Offerings, Eligibility, Loan Procedure, Interest Rates.
Most individuals, especially those living in rural and interior parts of India, have recently been excluded from the benefits of the formal banking system. They never had access to insurance, credit, loans, and other financial instruments to help them establish and grow their micro-businesses. So, the individuals turn to local money lenders for credit. The loan comes at high interest and often with unbearable conditions, which make these poor unsuspecting people fall into a debt trap for generations. When businesses fail, the borrowers become vulnerable to the lender’s strong-arm tactics and other forms of humiliation. As per NSSO Survey of 2013, there are close to 5.77 crore small-scale business units, mostly sole proprietorships, which undertake trading, manufacturing, retail, and other small-scale activities. Compare this with the organized sector and larger companies that employ 1.25 crore individuals. Clearly, the potential to harness and nurture these micro-businesses is vast and the government recognizes this. Today, this segment is unregulated and without financial support or cover from the organized financial banking system. The Hon’ble Prime Minister launched the Pradhan Mantri Mudra Yojana on 8th April 2015. The scheme is aimed at “funding the unfunded”. It is intended to attain development in an inclusive and sustainable manner by supporting and promoting partner institutions and creating an ecosystem of growth for the micro enterprise's sector. The MUDRA Bank provides policy guidelines for micro enterprise financing businesses. It aims at responsible financing practices to ward off over-indebtedness and re-finance to Banks/NBFCs/MFIs. It also provides for formulation/facilitation of Credit Guarantee Scheme for providing guarantees to PMMY loans. A common notion about this sector is that extending financial support to this sector may not be sound practice on account of fears of default. This is not correct. At the time of the inauguration of the scheme in April this year, our Hon'ble Prime Minister had mentioned about women’s self-help groups.
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𝐒𝐭𝐚𝐫𝐭 𝐚 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐢𝐧 𝐌𝐢𝐝𝐝𝐥𝐞 𝐄𝐚𝐬𝐭
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𝐒𝐭𝐚𝐫𝐭 𝐚 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐢𝐧 𝐀𝐬𝐢𝐚
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𝐌𝐨𝐬𝐭 𝐃𝐞𝐦𝐚𝐧𝐝𝐚𝐛𝐥𝐞 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐈𝐝𝐞𝐚𝐬 𝐟𝐨𝐫 𝐒𝐭𝐚𝐫𝐭𝐮𝐩𝐬
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𝐒𝐭𝐚𝐫𝐭 𝐚 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐢𝐧 𝐏𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐂𝐨𝐮𝐧𝐭𝐫𝐢𝐞𝐬 𝐟𝐨𝐫 𝐃𝐨𝐢𝐧𝐠 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬
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𝐁𝐞𝐬𝐭 𝐈𝐧𝐝𝐮𝐬𝐭𝐫𝐲 𝐟𝐨𝐫 𝐃𝐨𝐢𝐧𝐠 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬
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𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐈𝐝𝐞𝐚𝐬 𝐰𝐢𝐭𝐡 𝐋𝐨𝐰, 𝐌𝐞𝐝𝐢𝐮𝐦 & 𝐇𝐢𝐠𝐡 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭
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