Pradhan Mantri Mudra Yojana: Chote Vyapar ke Liye Aasaan Rasta
Pradhan Mantri Mudra Yojana (PMMY) ek Bharatiya Sarkar dwara shuru ki gayi yojana hai, jiske tahat Bharat ke chote vyapar aur udyamio ko arthik madad pradaan ki jati hai. Is yojana ke antargat, loan prapt karne ke liye koi collateral security ki zaroorat nahi hoti aur loan ke approval process ko saral banaya gaya hai.
Shishu:
Shuruat karne wale vyapariyon ke liye kam loan amount tak ki suvidha
Yeh category shuruat karne wale vyapariyon ke liye hai.
Loan amount 50,000 rupaye tak ho sakta hai.
Ismein collateral security ki zaroorat nahi hoti hai.
Kishore:
Madhyamik star ke vyapariyon ke liye madad
Is category mein madhyamik star ke vyapariyon ke liye loan pradaan kiya jata hai.
Loan amount 5 lakh rupaye tak ho sakta hai.
Collateral security ki zaroorat nahi hoti hai.
Tarun:
Uchch star ke vyapariyon ke liye bada loan
Uchch star ke vyapariyon ke liye yeh category hai.
Loan amount 5 lakh se 10 lakh rupaye tak ho sakta hai.
Collateral security ki zaroorat nahi hoti hai.
Loan prapt karne ke liye, vyapari ko kuchh documents aur formalities puri karni hoti hain. Mudra Yojana ke authorized lenders, jaise ki bank branches, non-banking financial companies (NBFCs), aur microfinance institutions (MFIs), is yojana ko implement karte hain.
Yeh yojana poore desh mein upyogi hai aur har state mein iska samarthan kiya jata hai. PMMY ke tahat 2021 tak takriban 30 crore se jyada loans sanctioned ho chuke hain, jismein mahilaon aur SC/ST samuday ke entrepreneurs ka bhi vishesh dhyan rakha jata hai.
Pradhan Mantri Mudra Yojana ek mahatvapurna kadam hai, jiski madad se Bharat ke small-scale entrepreneurs ko rozgar aur arthik samriddhi ki disha mein aage badhane mein madad milti hai. Yeh yojana desh ki arthik pragati ko badhane aur rozgar ka vistar karne ka pramukh madhyam hai.
Is yojana ke tahat apna khud ka business shuru karna ya existing business ko badhana chahne wale logon ko avasar prapt hote hain aur desh ki arthik pragati mein mahatvapurna yogdaan dete hain.
Loan Prapti ki Prakriya:
Pradhan Mantri Mudra Yojana ke antargat loan prapt karne ke liye, nimnlikhit prakriya ko poora karna hota hai:
Bank Chuniye:
Loan prapt karne ke liye, aapko PMMY ke authorized banks mein jaana hota hai. Aap kisi bhi nationalized bank, private bank, ya phir regional rural bank mein apply kar sakte hain.
Application Form Bharein:
Aapko bank dwara pradaan kiye jaane wale Mudra loan application form ko bharna hoga. Is form mein aapko apne vyapar ke baare mein jaankari deni hogi, jaise ki business ka naam, prakar, aur vittiya varshik pratibaddhata.
Aavashyak Dastavez Jama Karein:
Loan ke liye aapko kuchh dastavez jama karna hota hai, jaise ki:
Vyapar ke liye pramukh ID pramanpatra jaise ki Aadhaar Card, Voter ID, ya PAN Card.
Vyapar ka pata pramanit karne ke liye Address Proof jaise ki Electric bill, Telephone bill, ya Lease agreement.
Vyapar ke transactions ko pramanit karne ke liye Income Proof jaise ki audited financial statements, ITR, ya bank statement.
Anya dastavez, jaise ki business plan, yadi maang kiya gaya hai.
Loan Ka Prakhar Nirdharan Karein:
Loan amount aur bharai ki tayari ke liye, aapko bank ke saath sampark karna hota hai. Loan amount aapke vyapar aur aapki vittiya sthiti par nirbhar karega. Aap bank ke niyamit adhikari se iske bare mein baat kar sakte hain.
Loan Ki Muddat aur Bhugtan Karyakram:
Loan ki muddat aur bhugtan karyakram bank aur aapke vyapar ke prakar par nirbhar karega.
Aapko loan ki muddat aur bhugtan karyakram ke baare mein bank se sampark karke jaankari prapt karni chahiye.
Pradhan Mantri Mudra Yojana ke tahat loan prapt karne ke liye aapko yeh prakriya poora karni hogi. Yadi aapki prakriya sahi tarike se puri hoti hai aur aapki vyapar ki prakriti aur potensiyal loan ke maang ke anusaar hoti hai, toh aapko loan ki manjoori prapt hogi.
Mudra Yojana ke dwara diye jaane wale loans ko vyapar ke vistar, machinery ka khareedna, inventory management, aur business ki badhti hui zarooraton ke liye istemal kiya ja sakta hai.
Pradhan Mantri Mudra Yojana ek sashaktikaran upaay hai jo chote vyapar aur udyamio ko arthik sahayata pradaan karta hai. Yeh yojana Bharat ke arthik vikas aur rozgar ka pramukh aadhar hai, aur desh ke
chote vyapar aur udyamio ko aage badhane ka madhyam hai.
Mudra Yojana ke madhyam se pradan kiye ja rahe loans ki prakriya saral hai aur ismein collateral security ki avashyakta nahi hoti hai, jo traditional banking services mein samanya hoti hai. Isse chote vyapar aur udyamio ko financial institutions se aasani se loan prapt karne ka mauka milta hai.
Yeh yojana mahilaon, SC/ST samuday ke entrepreneurs aur alpsankhyak samudayo ke liye bhi vishesh suvidha pradaan karti hai. Isse unhe arthik swatantrata aur samriddhi ka samarthan milta hai, jisse samajik aur aarthik samriddhi ka samriddhikaran hota hai.
Pradhan Mantri Mudra Yojana ne Bharat ki arthik pragati mein mahatvapurna yogdaan diya hai. Yeh yojana small-scale entrepreneurs ko rozgar ka avsar pradaan karke unki aarthik sthiti ko sudharna ka ek pramukh madhyam hai. Is yojana ne unhe sahas aur pragati ke liye prerit kiya hai aur unki sapno ko sakar karne mein madad ki hai.
Is tarike se, Pradhan Mantri Mudra Yojana Bharat ke chote vyapar aur udyamio ke liye ek samarthan pradhan karta hai, jiske tahat ve apna vyapar badha sakte hain aur arthik unnati ka safar tay kar sakte hain. Yeh yojana desh ke arthik vikas mein ek mahatvapurna kadam hai aur chote vyapar aur udyamio ko aage badhane ka avsar pradaan karti hai.
THANK YOU
