Wednesday, 4 November 2015

Pradhan Mantri Mudra Yojana 2016 How to Apply Toll Free Number Details

Pradhan Mantri Mudra Yojana:

Mr. Narendra Modi (Prime Minister of India) has launched the promised MUDRA (Micro Units Development and Refinance Agency Ltd)
Bank on 8 April, 2015 with a corpus of Rs 20,000 Crore and a credit guarantee corpus of Rs 3,000 Crore. Main goal of this portal is to connect the individuals to bank, especially those living in rural and interior parts of India.

This yojana helps those who never had access to insurance, credit, loans and other financial instruments to help them establish and grow their micro businesses. The launch was the fulfillment of an announcement made earlier by the Finance Minister Arun Jaitley in his FY 15-16 Budget speech.

Purpose of MUDRA Bank:
For credit Most of the peoples in India depend on local money lenders. They take high interest on loan with unbearable conditions, which make these poor unsuspecting people fall in a debt-trap for generations. The borrowers become vulnerable to the lender’s strong-arm tactics and other forms of humiliation when businesses fail.

According to Pradhan Mantri Mudra Yojana (Pmmy) you can take LOAN easily form the any resister bank for the start the Non –Corporate Small Business. The first phase to takes LOAN through the PMMY application starts form 25th September 2015 to 2nd October 2015. For the more detail about the LOAN process you connect to nearly BANK.

Primary functions of MUDRA Bank
  • Frame policy guidelines for micro/small enterprise MFIs
  • Registration of MFIs
  • Regulation of MFIs
  • Promoting and regulating responsible finance in favour of client welfare, remove indebtedness and provide proper protection principles and recovery methods
  • Accreditation and rating of MFIs
  • Promoting right technology solutions for problems faced by MFIs and borrowers.
  • Framing a robust architecture for Last Mile Credit Delivery to MSMEs under the umbrella of Pradhan Mantri Mudra Yojana.

Who can apply?
  • All “Non farm enterprises” 
  • under “Micro Enterprises” and “Small Enterprises” segment
  • engaged in “income generating activities”
  • engaged in “manufacturing, trading and services“ and
  • whose “credit needs are up to Rs.10.00 lacs”

Facilities available:
Any type of Fund Based or Non Fund Based credit facility available here.
There is no Minimum cradit amount and the Maximum Amount is Rs.10.00 lacs.

Categorization of Loans:
Category
Stipulated Credit limits
SHISHU
Loans sanctioned under the scheme up to Rs.50000
KISHORE
Loans sanctioned under the scheme from  Rs.50001 to Rs.5.00 lacs
TARUN
Loans sanctioned under the scheme from Rs.5,00,001 to Rs.10.00 lacs

Rate of Interest for Loan: 
Limits
Micro Enterprises
Small Enterprises
Up to Rs.50000/-
Base Rate
Base Rate+0.50%
Above Rs.50000/- to Rs.2.00 lacs
Base Rate+0.50%
Base Rate+1.00%
Above Rs.2.00 lacs to Rs.10.00 lacs
Base Rate+1.00%
Base Rate+1.25%

Note: 
You may check Official Link







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