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Mudra yojana

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lokendar singh

This document provides an overview of the MUDRA Loan Bank scheme in India. The key points are: 1. MUDRA Loan Bank was launched in 2015 by Prime Minister Modi to provide financial support to small businesses and entrepreneurs. 2. There are three types of MUDRA loans - Shishu for startups up to Rs. 50,000, Kishore for established small businesses up to Rs. 5 lacs, and Tarun for expanding businesses up to Rs. 10 lacs. 3. Eligibility includes being an Indian citizen with a micro or small business. Loans can be applied for through participating banks. 4. The goals of the program are to support the micro

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MUDRAYOJANA Prepared by Yugandhar & Lokendar Presenter: Lokendar Singh Sir Yugandhar
FLOW OF PRESENTATION SR. NO . PARTICULARS 1 Introduction 2 What is MUDRA Loan Bank ? 3 Categories of loan 4 How to apply for loan ? 5 Who are eligible for loan under MUDRA Loan Yojna? 6 What are the benefits of MUDRA Loan Yojna?
Introduction The current policy of Prime Minister Narendra Modi is quite focussed on developing the indian economy. Jan Dhan Yojna was born out of this objective of PM and under this yojna ,PM Narendra Modi had launched the micro unit development and refinance agency or MUDRA BANK on 8th april,2015. Formally launched in 2015 union budget of India, the mudra scheme or Pradhan Mantri Mudra Yojna was aimed to providing financial support to the small scale entrepreneur located in remote area ,or outside the area of banking.
Opening Ceremony
What is a Mudra Yojana? MUDRA stands for Micro Units Development and Refinance Agency Ltd. Idea: Organization set up and initiated by Prime Minister Narendra Modi. Goal: Fulfilling all the Funding needs of Non Corporate Small Business. Loan Under The Pradhan Mantri Mudra Yojna (PMMY) Scheme: Financing and refinancing options for micro finance institutions and small business sectors. Aim: Help Entrepreneurs, start-ups restricted by a sufficient budget for running business.
Categories 3 Types of Mudra Loans available, they are 1. Shishu Scheme 2. Kishore Scheme 3. Tarun Scheme
Shishu Scheme This category is for the Start ups. All those businesses that have been just started and looking for Loan will fall in this category. Maximum loan amount: to Rs. 50,000 No loan processing charges Interest Rate: 1% per month Maximum Loan Repayment Tenure: up to 5 years
Kishore Scheme This one is for those who have started their business but it has be established yet. Minimum Loan Amount: Over Rs. 50,000 Maximum Loan Amount: up to Rs. 5 lacs.
Tarun Scheme For entrepreneurs with established micro business units but would want for funding or investment for expansion of the business. Minimum Loan Amount: Rs. 5 lacs Maximum Loan Amount: up to Rs. 10 lacs
How to Apply Mudra Loan? Firstly, approach any of those bank that are listed by the scheme. Then provide complete business detail. Catezorisation of your business into mention three categories. Then filling up the Mudra form for loan, along with current account opening in the bank.
Mudra yojana
Eligibility to Attain MUDRA Loan Loan applicant must be an indian citizen, unlike other banks mudra bank offers loan for indian citizen. Loan can be available only for micro or small scales businesses from rural area. Proper proof for IDENTITY,RESIDENCE along with two set of Proprietor/Partner/Director photos. Loan amount should be quoted under the maximum limit of RS 10,00,000.
What does MUDRA Bank Yojna Aim for ? Stabilizing Indians Micro finance sector via inclusive participation and regulation. Aiding Agencies and microfinance institution by extending credit support. Maintaing a registered record of MFIs and agencies for first time ever in history. Offering structure guideline to borrowers to prevent business failure. Introduction and Implementation of technological support. Development of standard protocols.
Interest rate of MUDRA Loan If loan availed under MUDRA SHISHU up to 50,000 then normal rates around 10%-12% interest are charged. If loan availed under MUDRA KISHORE up to 5,00,000 which comes under unsecured loan so interest rates would be in between 14%-17%. If loan availed under MUDRA TARUN with the margin of 5L to 10L , interested willbe at high end start from 16% and varies from bank to bank.
Impact on Indian economy Increased entrepreneurial success will immediately boost GDP of demographic region where the business located. Increased business success will mean increased employment and increased demand for good and service. Increased demand in return stimulates the manufacturing segment of the economy and supply of goods More spending powers in hand of general populace.
Sector will be covered by MUDRA Yojna S.No SERVICES 1 Land transport 2 Textile product 3 Food product 4 Social, Personal & Community Service
MUDRA loan VS PERSONAL loan MUDRA LOAN PERSONAL LOAN Only for business purpose. Universal types of loan. Governance by government. Availed by both public and private banks. Interest rate 10%-16%. Interest rate 11%-22%. Credit inform of MUDRA cards. Credited to personal account.
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Mudra yojana

  • 1. MUDRAYOJANA Prepared by Yugandhar & Lokendar Presenter: Lokendar Singh Sir Yugandhar
  • 2. FLOW OF PRESENTATION SR. NO . PARTICULARS 1 Introduction 2 What is MUDRA Loan Bank ? 3 Categories of loan 4 How to apply for loan ? 5 Who are eligible for loan under MUDRA Loan Yojna? 6 What are the benefits of MUDRA Loan Yojna?
  • 3. Introduction The current policy of Prime Minister Narendra Modi is quite focussed on developing the indian economy. Jan Dhan Yojna was born out of this objective of PM and under this yojna ,PM Narendra Modi had launched the micro unit development and refinance agency or MUDRA BANK on 8th april,2015. Formally launched in 2015 union budget of India, the mudra scheme or Pradhan Mantri Mudra Yojna was aimed to providing financial support to the small scale entrepreneur located in remote area ,or outside the area of banking.
  • 5. What is a Mudra Yojana? MUDRA stands for Micro Units Development and Refinance Agency Ltd. Idea: Organization set up and initiated by Prime Minister Narendra Modi. Goal: Fulfilling all the Funding needs of Non Corporate Small Business. Loan Under The Pradhan Mantri Mudra Yojna (PMMY) Scheme: Financing and refinancing options for micro finance institutions and small business sectors. Aim: Help Entrepreneurs, start-ups restricted by a sufficient budget for running business.
  • 6. Categories 3 Types of Mudra Loans available, they are 1. Shishu Scheme 2. Kishore Scheme 3. Tarun Scheme
  • 7. Shishu Scheme This category is for the Start ups. All those businesses that have been just started and looking for Loan will fall in this category. Maximum loan amount: to Rs. 50,000 No loan processing charges Interest Rate: 1% per month Maximum Loan Repayment Tenure: up to 5 years
  • 8. Kishore Scheme This one is for those who have started their business but it has be established yet. Minimum Loan Amount: Over Rs. 50,000 Maximum Loan Amount: up to Rs. 5 lacs.
  • 9. Tarun Scheme For entrepreneurs with established micro business units but would want for funding or investment for expansion of the business. Minimum Loan Amount: Rs. 5 lacs Maximum Loan Amount: up to Rs. 10 lacs
  • 10. How to Apply Mudra Loan? Firstly, approach any of those bank that are listed by the scheme. Then provide complete business detail. Catezorisation of your business into mention three categories. Then filling up the Mudra form for loan, along with current account opening in the bank.
  • 12. Eligibility to Attain MUDRA Loan Loan applicant must be an indian citizen, unlike other banks mudra bank offers loan for indian citizen. Loan can be available only for micro or small scales businesses from rural area. Proper proof for IDENTITY,RESIDENCE along with two set of Proprietor/Partner/Director photos. Loan amount should be quoted under the maximum limit of RS 10,00,000.
  • 13. What does MUDRA Bank Yojna Aim for ? Stabilizing Indians Micro finance sector via inclusive participation and regulation. Aiding Agencies and microfinance institution by extending credit support. Maintaing a registered record of MFIs and agencies for first time ever in history. Offering structure guideline to borrowers to prevent business failure. Introduction and Implementation of technological support. Development of standard protocols.
  • 14. Interest rate of MUDRA Loan If loan availed under MUDRA SHISHU up to 50,000 then normal rates around 10%-12% interest are charged. If loan availed under MUDRA KISHORE up to 5,00,000 which comes under unsecured loan so interest rates would be in between 14%-17%. If loan availed under MUDRA TARUN with the margin of 5L to 10L , interested willbe at high end start from 16% and varies from bank to bank.
  • 15. Impact on Indian economy Increased entrepreneurial success will immediately boost GDP of demographic region where the business located. Increased business success will mean increased employment and increased demand for good and service. Increased demand in return stimulates the manufacturing segment of the economy and supply of goods More spending powers in hand of general populace.
  • 16. Sector will be covered by MUDRA Yojna S.No SERVICES 1 Land transport 2 Textile product 3 Food product 4 Social, Personal & Community Service
  • 17. MUDRA loan VS PERSONAL loan MUDRA LOAN PERSONAL LOAN Only for business purpose. Universal types of loan. Governance by government. Availed by both public and private banks. Interest rate 10%-16%. Interest rate 11%-22%. Credit inform of MUDRA cards. Credited to personal account.