अभी कॉल करें, Apply now

Mudra Loan– Step by step

1. *Loan category decide karo*
- *Shishu*: ₹50,000 tak – naya business start karne ke liye
- *Kishore*: ₹50,000 se ₹5 lakh tak – business ko thoda grow karne ke liye
- *Tarun*: ₹5 lakh se ₹10 lakh tak – established business expansion ke liye

2. *Eligibility check karo*
- Indian citizen ho
- Business non-farm ho: dukaan, service, manufacturing, trading, food stall, beauty parlour, e-rickshaw, etc.
- Koi defaulter nahi hona chahiye kisi bank ka
- Age: 18-65 saal mostly

3. *Documents ready rakho*
- *ID Proof*: Aadhaar, PAN, Voter ID
- *Address Proof*: Aadhaar, utility bill, rent agreement
- *Business Proof*: Registration, license, quotation, ya simple business plan agar naya hai
- *Photo*: 2 passport size
- *Bank statement*: 6-12 mahine ka
- *Quotation*: Machinery/goods kharidne ki, agar loan uske liye hai

4. *Bank choose karke apply karo*
Ye banks Mudra loan dete hain:
- Public sector banks: SBI, PNB, Bank of Baroda, etc.
- Private banks: HDFC, ICICI, Axis
- RRBs, Co-operative banks, MFIs, NBFCs
- Online: http://udyamimitra.in ya http://jansamarth.in portal

Form branch me mil jayega ya online download kar sakte ho. Udyamimitra portal pe “Apply Now” karke bhi bhar sakte ho.

5. *Process kya hota hai*
- Form + documents submit karo
- Bank tumhara business plan aur repayment capacity check karega
- Verification ke liye ghar/shop visit ho sakta hai
- Approve hone par Mudra Card ya loan amount account me aa jayega
- Time: Shishu loan 7-10 din, Kishore/Tarun 2-4 hafte lag sakte hain

Important points
- *Collateral*: ₹10 lakh tak koi security/guarantor nahi chahiye. Ye CGFMU ke under cover hota hai.
- *Interest*: 9% se 12% ke aas paas, bank to bank alag. Women ko kuch bank discount dete hain.
- *Processing fee*: Shishu me zero. Kishore/Tarun me 0.5% tak ho sakti hai.
- *Repayment*: 3-5 saal tak, EMI monthly.

Tip for approval
Bank ko clear business plan dikhao: kitna paisa chahiye, kisme lagega, kamai kaise hogi, EMI kaise doge. 1-2 page ka simple plan bhi chalega.