Business

how to start new business no crisis of money with government Mudra scheme

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There will be no shortage of money in starting your business, take advantage of the government scheme like this

Highlights

  • There are some such government schemes for you that will not allow you to face any shortage of money.
  • Pradhan Mantri Mudra Yojana is for those people who want to start a new business.
  • Shishu Loan, Kishor Loan and Tarun Loan are given under Mudra Yojana

It is said that when you give time to your job, the company benefits, whereas when you give time to your business, you benefit. It is everyone’s dream to have their own business. But it is not enough for anyone to be able to arrange money for this business. Due to the risk, common employed people spend their whole life in doing jobs.

But if you have the courage to do something different, then there are some such government schemes for you that will not let you face any shortage of money at any step. The central government is currently working on the great mission of self-reliant India. In such a situation, if you want to start your own business, then the Central Government will help you in this.

Take advantage of Pradhan Mantri Mudra Yojana

The Pradhan Mantri Mudra Yojana (PMMY) of the Modi government is for those people of the country who want to start a new business or want to advance their existing business. Sometimes banks do not give loans to businessmen. In such a situation, you can take a loan under the Pradhan Mantri Mudra Yojana. A person who has a cottage industry in his name or who has partnership documents can take advantage of this loan.

Three types of loans in Mudra Yojana

Three types of loans are given under the Pradhan Mantri Mudra Yojana. The government has divided it into Shishu Loan, Kishor Loan and Tarun Loan Scheme.

  1. shishu loan schemeUnder the Shishu loan scheme, a loan of up to Rs 50,000 can be taken to open a shop etc.
  2. Kishore Loan SchemeThe loan amount in this scheme has been fixed from Rs 50,000 to Rs 5 lakh.
  3. Tarun Loan SchemeIf you want to start a small scale industry, then a loan of Rs 5 lakh to Rs 10 lakh can be taken under Tarun Loan Scheme.

Who can take loan?

PMMY is only for small businessmen and businessmen. If you want to start a big business then you will not get loan under this scheme. Loan can be taken under this scheme for starting small manufacturing unit, service sector business, shop, fruit / vegetable shop, truck service, food unit, repair shop, machine, small scale industry, artisan, food processing unit.

From where will I get the loan?

Under the Pradhan Mantri Mudra Yojana, loan can be taken from any government bank, rural bank, cooperative bank, private bank or foreign banks. RBI has authorized 27 public sector banks, 17 private banks, 31 rural banks, 4 co-operative banks, 36 micro finance institutions and 25 non-banking financial companies (NBFCs) to disburse Mudra loans. For more information about the Pradhan Mantri Mudra Yojana, complete details are available on the official website mudra.org.in.

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