how to prepare business plan for mudra loan

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Public Sector Banks
Private Sector Banks
State operated cooperative banks
Rural banks from regional sector
Micro Finance Institution (MFI)
Non-Banking Finance Company (NBFC)
Small Finance Banks (SFBs)
Other financial intermediary approved by Mudra Ltd. as member financial institutions

Interest rate

Upfront fee/processing charges.

Shishu: Covering loans upto Rs.50,000/-.
Kishore: Covering loans above Rs.50,000/- and upto Rs. 5 lakhs.
Tarun: Covering loans above Rs. 5 lakhs and upto Rs. 10 lakhs.

Eligible borrowers

Individuals
Proprietary concern.
Partnership Firm.
Private Ltd. Company.
Public Company.
Any other legal forms.
Address Proof
Passport size photograph
Applicant Signature
Proof of Identity / Address of Business Enterprises

After Successful Registration

For shishu loan.

Proof of Identity – Self- attested copy of Voter’s ID Card / Driving Licence / PAN Card / Aadhaar Card / Passport / Photo IDs issued by Govt. authority etc.
Proof of Residence: Recent telephone bill / electricity bill / property tax receipt (not older than 2 months) / Voter’s ID Card / Aadhar Card / Passport of Individual / Proprietor / Partners Bank passbook or latest account statement duly attested by Bank Officials / Domicile Certificate / Certificate issued by Govt. Authority / Local Panchayat / Municipality etc.
Applicant’s recent coloured Photograph (2 copies) not older than 6 months.
Quotation of Machinery / other items to be purchased.
Name of supplier / details of machinery / price of machinery and / or items to be purchased.
Proof of Identity / Address of the Business Enterprise – Copies of relevant Licences / Registration Certificates / Other Documents pertaining to the ownership, identity of address of business unit, if any.

For Kishore and Tarun Loan

Proof of Identity - Self attested copy of Voter’s ID card / Driving License / PAN Card / Aadhar Card/Passport.
Proof of Residence - Recent telephone bill, electricity bill, property tax receipt (not older than 2 months), Voter’s ID card, Aadhar Card & Passport of Proprietor/Partners/Directors.
Proof of Identity/Address of the Business Enterprise -Copies of relevant licenses/registration certificates/other documents pertaining to the ownership, identity and address of business unit.
Applicant should not be defaulter in any Bank/Financial institution.
Statement of accounts (for the last six months), from the existing banker, if any.
Last two years balance sheets of the units along with income tax/sales tax return etc. (Applicable for all cases from Rs.2 Lacs and above).
Projected balance sheets for one year in case of working capital limits and for the period of the loan in case of term loan (Applicable for all cases from Rs.2 Lacs and above).
Sales achieved during the current financial year up to the date of submission of application.
Project report (for the proposed project) containing details of technical & economic viability.
Memorandum and Articles of Association of the company/Partnership Deed of Partners etc.
In absence of third party guarantee, Asset & Liability statement from the borrower including Directors & Partners may be sought to know the net-worth.

Is Khadi Activity Eligible Under PMMY Loans?

Yes. MUDRA loans are applicable for any activity which results in income generation. As Khadi is one of the eligible activities under Textile sector and in case MUDRA loans are taken for income generation, the same can be covered.

Are MUDRA Loans Available For Purchase Of CNG Tempo/Taxi?

MUDRA loans would be available for purchase of CNG Tempo/Taxi, in case the applicant intends to use the vehicle for commercial purposes.

I Have A Savings Bank Account With the Bank, Would Loan Under MUDRA Be Available Based On The SB Account?

Yes. The applicant can approach the branch and apply for the loan in the format being provided by the said lending institution. The terms and conditions of the loan will be governed by the policies of the lending institution, based on the broad guidelines of RBI. The loan amount will be decided by the requirement of the proposed income generating activity and the repayment terms will be decided by the anticipated cash flow from the activity.

Under PMMY-Shishu Loans, What Is The Turn Around Time For Processing The Loan Proposal?

As per Banking Codes and Standard Board of India (BCSBI), set up by RBI, loan applications should be disposed off for credit limit up to Rs.5 lakh within 2 weeks.

Is It Required To Submit Income Tax Returns For The Preceding 2 Years For Availing Loan Of Rs. 10 Lakh Under PMMY?

Generally, IT returns are not insisted for small value loans. However, the requirement of documents will be advised by the concerned lending institutions based on their internal guidelines and policies.

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Preparing project Report for loan from Banks- MSME loan/Mudra loan

Whether you want to start a new business or a project or you want to expand your existing business, finance is the bloodline of any business. When you have a great idea but do not have any money to execute it, you could look for loan from banks & financial institutions.

Government has also come up with several schemes of loan & finances for various businesses especially the MSMEs. One could read about the benefits available to a MSME here

While there are many requirements to get a loan from bank and these requirements vary from bank to bank & according to the amount & type of loan you are looking for. In this article, we are going to discuss about how could a project report be prepared for the purpose of loan.

Project report for bank loan A project report for bank loan is a document which details out about a business or project for which finance is being sought. It contains the details about the financial, economic, managerial, technical aspects of the project or business in question.

Illustrative inclusions in the project report

a. Summary of the business/project: This talks about what the business or the project is, about the requirement of finance etc.

b. Scope & prospects of the business: Describe about the scope of the project, it’s current status & the prospects of future. It is about the technical & financial feasibility of the project.

c. Details about the promoters & other significant executives: Details out the profile, educational qualification, experience of the promoters & key personnel.

d. Resources required: Infra, machinery, knowhow etc.: Describe about the Infrastructure & technical requirements of the project, along with the cost & capacity.

e. Details about the target & prospective customers: State the consumer profile of the project in question, about the prospects of scaling up & target customers.

f. Investment required: Specify the details about the investment required along with the specifications. This is essentially the cost of the project.

g. Sources of finance: How the required funds are being sourced. Details about the owned & external funds.

h. Project financial statement: It includes the financial statements such as Balance sheet, Profit & loss account

i. Financial Projections: Quantitative projection on Income, expenses, sources of funds & application of funds

j. Ratio analysis: Computation & analysis of financial statements through key ratio & their implications is required.

k. Funds flow Statement: Details about the funds- from where it is sourced and the application of funds are included.

l. Breakeven analysis: Analysis of the breakeven point of the project, it’s feasibility in terms of cost & benefits

m. Conclusion: Conclusion about the project, about its strengths, weakness, opportunities & threats

Who makes the project report?

Project report is a crucial document which requires expertise in terms of qualification & experience of the person preparing it. Thus, it is prepared by professionals such as CAs, Ex-bankers & other finance professionals.

Check out the worksheet which could be used to prepare a project report –

Download Project Report Format in Excel

Disclaimer: The above post is only for the purpose of academic discussion and should not be construed as any legal opinion in any matter whatsoever.

(The author is a CA in practice at Delhi and can be contacted at: E-mail: [email protected], Mobile: +91-9811741451)

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how to prepare business plan for mudra loan

16 Comments

I’m going to start seat cover stitching and selling business. I applied for 10 lakhs mudra loan and I need a project report with dscr.

i want project report on machine manufacturing for loan..please send report especially in govt organisation like PIPDIC and also I want the PDF FORMAT pls kindly send the details

Pl mail me at [email protected]

I want the project reports for manufacturing of Substation connectors and String hardwares

Sir, Please provide a Project Report (For small Units) 5- 10 lacs Bank Loan in excel format.

i want project report on machine manufacturering for loan..please send report

mail me at [email protected] so that we can discuss.

Please send project report on pu foam mattress

dpr for extension of school building for bank loan purpose in xls format

want to prepare project report for bank loan

I Need Container Truck(20 and 40ft Trailer) Business Loan Project Report

Pl mail me at [email protected] so that we can connect & discuss

i want project report for mudra loan.pls send charges.and can a sanction by bank from you?

Will need further details from you to quote the charges. Pl mail me at [email protected] so that we can connect & discuss

DEAR SIR I WANT SMAIL LONE PROJECT FORMET IN EXCLE

Can you please share the excel file with formulas

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Project report for Mudra Loan

Page Contents

1 How to make Project Report For Mudra Loan?
2 What is Project Report for mudra loan?
3 How much loan require & Why?
4 What is Mudra loan project report?
5 Project report is mandatory for mudra loan?
6 What is the cost of Project report?

How to make Project Report For Mudra Loan?

If you are planning to start a business and require mudra loan from Mudra Bank, you need a perfect project report. We will help you to prepare your documents before applying for Mudra loan. Mudra loan is a collateral-free loan and the bank wants to ensure that the applicant can repay the loan or not.

Few banks are providing online emudra loans via its own website instantly like State bank of India etc. SBI has launched a emudra website for Mudra loan. Via that website, you can easily apply for mudra bank loan. It is really easy and prompt but you will get here only SHISHU loan which is up to 50,000.

For another kind of Mudra bank loan you have to prepare lots of documents like KYC, Project report, Quotation, GST Number, Registration number, etc.

KYC is Know Your Customer policy and bank always demand your KYC before starting the process. In KYC you require your PAN Card, Aadhaar Card, Voter I Card etc.

What is Project Report for mudra loan ?

The major part of Mudra loan or other business loan is “Project Report”. A Project report will help to understand the nature of your business, process, procurement, job opportunities, profitability & ROI. It will clear that how much you are prepared or sincere for your startups.

The project report should be clear, meaningful and understandable because it will represent you in your absence. Its report should be in detail with facts and statics with growth. Incomplete project reports or mysterious data may be a cause of rejection and rejection will reduce your CIBIL score.

A project report for Mudra loan contains lots of things like your personal, educational and professional details. Bank may ask about the experience of that field and several other questions related to field, experience to check eligibility.

How much loan require & Why?

Bank will check your investment part deeply and ask why you require that much amount? How are you calculate it? That time if you have a project report, you can tell them the entire investment part & cost of machinery or resource. Your preparation will help you to become the most eligible candidate and the bank will clear your application for mudra loan.

During the application of a mudra bank loan, you should check your documents properly & deeply, you’re all personal, educational, address details should be match word by word because bank’s executives will check all details deeply and if they will get any issue in documents, they will hold your application and ask for updated documents.

The final and crucial part of the project report is costing & quotation because when you will prepare the project report you should have the cost of required machinery & other resources. You should have three quotations of each machinery & other resources (Amount may differ of each quotation) to make it more professional and authentic. I suggest you submit a genuine quotation of each vendor with a GST number because the bank may visit the vendor location to check authenticity.

We suggest you submit authentic and genuine documents for a mudra bank loan because if the bank will find any discrepancy in your documents they may reject your application & it will hit your CIBIL score and you know that all banks always check cibil score to disburse any kind of loan.

If you are confused and need professionals for your project report. You can contact us we will help you. You can contact us at mudrakibaat (at) gmail.com. We will provide you a professional report at nominal charges. Our team will talk to you get all the information to prepare mudra loan project report on your behalf.

What is Mudra loan project report?

Project report is mandatory for mudra loan, what is the cost of project report, related posts, canara bank mudra loan.

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MUDRA Loan Project Report – How To Prepare

Table of contents, mudra loan scheme, components of mudra loan project report, other details about mudra loan scheme, mudra loan project report model rules, different types of mudra loans to prepare a project report, documents required for mudra loan.

Introduction to project report for Mudra Loan

The Government of India has sanctioned 5.83 crore loans worth Rs 3.23 lakh crore through Micro Units Development and Refinance Agency or MUDRA, a public financial institution. MUDRA was initiated under the guidance of Pradhan Mantri Mudra Yojana (PMMY) in 2015 to support in terms of credit to small businesses in the non-corporate sector. A wholly-owned subsidiary of the Small Industries Development Bank of India, also known as SIDBI, MUDRA is a non-banking financial company (NBFC) that not only helps those planning for their entrepreneurial journey for starting a new business but also lends capital for the expansion of existing businesses.

A step by step guide to preparation of MUDRA Loan project report

Our financial lending system is considered to be widespread in the world. However, the main population is unable to gain assistance when they require it. A solution in this segment is very crucial presently. A formal financial system was created by the Government in the year 2015, called Pradhan Mantri Mudra Yojana (PMMY) for providing affordable credit to all companies. Many set-ups even today strive without sufficient financial resources and tend to collapse away over some point in time.

The MUDRA loan scheme is a well-known one that lends financial support of about Rs. 50,000 to non-corporate companies. Firms involved in manufacturing, allied agricultural activities, services, retail, and so on can avail of MUDRA loans to capitalize on their various requirements. Micro units and businessmen who apply for MUDRA loans can get a loan amount up to Rs. 10 Lakhs with comparatively lower interest rates, which differ from one bank to another. Submitting a project plan for a MUDRA loan including the necessary documents at the time of application is significant for your loan approval.

MUDRA helps refinance the financiers or financial organizations helping small businesses such as co-operative societies, small banks, trusts, commercial banks, and rural banks. If you are looking to start a micro, small, or medium unit, you can approach MUDRA loans from banks at reasonable rates of interest. To do so, you must have an idea about the MUDRA loan project report model which will intern support the business financially.

To acquire a MUDRA loan, the borrower must submit a project report to the public sector undertaking from whom the loan is availed. Important details associated with your business such as company background, procurement of raw materials, nature of activities, manpower, profit, ROI should be mentioned carefully in the project report for the MUDRA loan.

The report must be to-the-point, precise, understandable, and include all necessary detailing about the start-up or business. This is because it helps the lender to have the first impression of your idea. Masking facts or giving false details or any other kind of misrepresentation can not only cause rejection of your loan but also impact your CIBIL score. If you are applying for a loan under the PMMY, it is recommended that you create a proper project report explicating your personal and professional information to make yourself an attractive candidate for MUDRA loans.

While preparing the project report, to get a MUDRA loan you have to make sure to add the key elements. These elements are essential for the MUDRA loan project report, which include:

• Aim/Objective : In this, you have to describe the aim of your company or the vision on which it was established and lasts to work till date.

• Expertise Area: Describe the essential skills that your employees have in your organization or the desired ones.

• Budget or Financial structure : Clear investment expenses of the project in hand or the existing company’s complete financial information.

• Equipment details : Present the list of tools, machines, machinery, plants, parts, etc. required for the company or for the unit setup that is required for the business.

• Commercial details: Your future plans about the company which will be commenced to commercialize a start-up or to run an existing one.

• Profile of the Firm : Details about the foundation of the company, achievements, or key milestones, to date can be included under this firm.

• Order Details: If you have received export orders from any domestic or international systems you can mention the corresponding details in this section.

• Employee Info : Detailed information or data about the number of employees in your organization along with the projects on which they are working.

• Logistics : Information about transportation costs, even though it is commercial or private.

• Advertising and Marketing : Promotional strategies used towards marketing the product of your company etc.

Apart from these, information of products or services obtained, manufacturing processes undertook, third party information, land used for business or commercial area utilized should also be included. This should be concluded with a significant conclusion of the project plan for the MUDRA loan.

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You can easily get sponsored by following the MUDRA loan project report model rules and begin your entrepreneurial journey. However, if you requiring some additional funds or do not qualify for a MUDRA loan under PMMY, then try to opt for a business loan of up to Rs. 30 Lakhs that could be available on Finserv MARKETS without any security or collateral. You can opt for a repayment tenure of your choice that could be about 1-5 years.

The entire application process can be done online which makes it hassle-free and easy as you can feasibly apply for a Bajaj Finserv Business loan available on Finserv MARKETS without waiting in long queues in the bank. Moreover, you can have a free Financial Health Check Report (FHCR) to assist you in maintaining track of your business goals and even get tailored insurance plans to secure you against unanticipated risks in the long run.

Bank offers loans for this scheme called Mudra Loan Scheme. The specific details are listed below.

The loan is sanctioned to non-farming segments after 8th April 2015.
The limit of this loan is about Rs. 10 lacs.
Mudra Loans are also provided for service, manufacturing, and trading operations.
There is no collateral security required.
The loan does not need any guarantee and thus it is easily accessible to the people.

There are different types of Mudra Loans which are mentioned below:

Shishu Loans till Rs. 50,000
Kishore Loans between Rs. 50,000 – Rs. 5 lacs
Tarun Loans from Rs. 5 lacs and Rs. 10 lacs

The documentation needed for applying to a Mudra Loan is summarized below.

Shishu Category (up to Rs. 50,000)

Proof of identity – Self-attested copies of Voter’s ID card, PAN Card, Driving License, Aadhaar Card, Passport, Photo Ids issued by Government authority, etc.
Residence Address Proof – Copies of latest telephone bill, Aadhaar Card, property tax bill, electricity bill, Voter’s ID card, Passport of Individual, Proprietor, Partners, Certificate issued by Government Authority, Municipality, Local Panchayat, etc. These should be on the applicants’ names.
Applicant’s recent passport photograph (2 copies) not older than 6 months.
Proof of SC/ST/OBC/Minority, if required.
Address Proof of the Business Enterprise where you have set up your business.
Statement of Account from the present Banker for the past last six months if any.
Quotation of Equipment / other items to be procured.

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Kishore (Rs. 50,000 up to Rs. 5 lacs) and Tarun Category (Rs. 5 lacs up to Rs.10 lacs)

Proof of identity – Self-certified copy of Voter’s ID card, Passport, PAN Card, Driving License Aadhaar Card, any photo Ids allotted by the government.
Proof of Residence – Recent telephone bill, a property tax receipt (not older than 2 months), electricity bill, Voter’s ID card, Passport of Individual/ Proprietor/Partners, Aadhaar Card, Certificate issued by Local Panchayat / Govt. Authority/Municipality etc.
Proof of SC/ST/OBC/Minority, if needed.
Proof of Identity / Address of the Business Enterprise – Copies of relevant Licenses/lease or Rent agreement/ Registration Certificates / Other Documents about the ownership, identity of the address of business unit / Udyog Aadhaar Memorandum.
Statement of Account from the present Banker for the past six months, if any.
Last two years unaudited balance sheets of the prevailing units including income tax /sales tax returns etc. (Applicable for loans of Rs. 2 lacs and more).
Estimated balance sheets of your start-ups or existing business units of a year in case of working capital limits (Applicable for loans of Rs. 2 lacs and more).
Sales attained during the ongoing financial year till the date of submission of the application (in case of prevailing units).
Proforma Invoices/Quotations for the assets that should be obtained and estimation for the civil works, if any to be undertaken. Factors like technical feasibility and economic viability could be discussed with the borrower if needed.
Asset and Liability document of the borrower including Directors and Partners.
Memorandum and Articles of association of the organization/Partnership Deed, etc. wherever needed.
Two passport size photos of applicant/Proprietor/ Partners/ Directors not older than 6 months.

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How to Get Pradhan Mantri Mudra Loan for Your Business

"Mudra loans under Pradhan Mantri Mudra Yojana can be availed from a nearby branch office of a bank or NBFC. Read this article to know the scheme in detail."

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Published : 13 December 2022

Updated : 6 February 2024

If you are running a small business then money is very important to run this business smoothly. To fulfil your business financial needs sometimes you need to take out a loan. The government is also serious about this problem of businesses and launched an initiative named Pradhan Mantri Mudra Yojana. Scheme. Under this scheme, the government provides loans to Small and Medium Enterprises, New businesses, and Startups. In this article, we will guide you about this scheme, scheme features, eligibility, application process, and more about it.

What is a Mudra Loan?

Pradhan Mantri Mudra Yojana is a supporting resource to help small businesses and new businesses with funding needs. This plan is run by Micro Units Development and Refinance Agency Limited and this organization works under SIDBI. This plan gives loans up to 10 lakh rupees to businesses that are not corporate, not farming, and MSMEs. In 2015, Pradhan Mantri Shri Narendra Modi started this plan to help business people and money access in the country.

Benefits of PM Mudra Loan

You do not need to provide any collateral asset and guarantor to take a loan.
The Processing fees and interest rates are very low from other financial schemes.
When you apply for this scheme then your loan repayment comes with flexible tenure options.
This scheme is very useful to support small and micro enterprises with financial help.
This scheme contributes to entrepreneurship and financial inclusion.

How many types of Mudra Loan are there?

Pradhan Mantri Mudra Loan is distributed into three kinds of different categories and these are decided according to business growth and financial needs of the businesses. These three categories are below.

1. Shishu Loan:

Under the Pradhan Mantri Mudra Loan, the Shishu scheme provides loans up to Rs 50,000 to those facing difficulty in launching their business in the starting phase. With this financial support, these businesses can stand up and move to the next step of growth.

2. Kishore Loan:

In the Kishore scheme, businesses can take loans from Rs. 50,000 to Rs. 5 Lakh. This loan is ideal for existing companies who wish to borrow more money to expand.

3. Tarun Loan:

This loan category allows companies to borrow funds between Rs 5 lakh and Rs 10 lakh based on their needs. This category is suitable for companies that are currently established and have a strong reputation in the industry but wish to expand. More investment may be required to build it.

Interest Rate of PM Mudra Loan

Pradhan Mantri Mudra loan is supported by the government of India and it is provided by multiple Banks, NBFCs, and other financial bodies. In this loan scheme interest rates are different from all financial organizations. Banks and NBFCs can decide the interest rates of this loan scheme according to their policy and it also depends on other factors like the amount of loan, repayment period, business creditworthiness, etc. Below are the details of common interest rates of three types of mudra loan schemes.

1. Shishu Loan Interest Rate:

This loan is a starting option for financing for entrepreneurs who want to start their own businesses. The interest rate under this loan varies between 8% to 12% p.a. Some Banks and NBFCs cut the process fees and other costs from the loan form.

2. Kishore loan interest rate

Under the Kishore Loan Scheme financial institutes keep the ranges of interest rates between 10% to 14% annually. Some Banks and NBFCs reduce the process fees and other charges from the loan application.

3. Tarun Loan Interest Rate:

Under the Tarun Loan Scheme businesses can take big loan amounts up to 10 lakh rupees. The interest rate is between this loan category between 12% to 16% annually.

Eligibility for Mudra Loan

The eligibility criteria to get (PMMY) loan are given below.

1. Applicants who are applying for the PMMY loan their age should be above 18 years and have citizenship in India.

2. If the Borrowers are engaged in activities like non-corporate, non-agricultural SMEs in manufacturing, trading, and services-related sectors they are eligible to apply.

3. Your financial profile should be clear with a good CIBIL score.

4. Before applying for a loan you should have good knowledge to operate your business with proper future planning.

5. All necessary documents for loan application are there and valid.

Eligibility criteria for Shishu, Kishore, and Tarun Loan

1. eligibility for shishu loan:.

To get profit from this loan businessmen must have a good business strategy and a project report, as well as the ability to repay the loan.

2. Eligibility for Kishore Loan:

To take this loan you should provide a business plan and project report. If your business comes under the GST slab then you need to provide GST details. Bank account Details and Statements of 12 months of A/c are also important for eligibility.

3. Eligibility for Tarun Loan:

People who want to apply for this loan have a big business in the market. You need to provide a business report and a proper plan. You should provide a 12-month Bank A/c Statement. ITR details of 2 years are also required for this choice.

Documents for Mudra Loan

If you are ready to apply then you need to prepare some documents. Below are the details of some basic required documents. 1. Identity Proof: Aadhar (UIDAI), PAN Details, Passport, Driving license

2. Present Address Proof: Aadhar (UIDAI), Voter EID, Passport, Electricity and Water Bill, Rent Agreement.

3. Business Activity Proof: GST Details, MSME ID, Company Registration Certificate, Trade License

4. Requirement of a business plan or project report.

5. Copy of 12 months bank statement

6. A copy of the ITR of the last two years is required

How to Apply for Pradhan Mantri Mudra Loan?

Go to the bank or apply online on the Mudra website

Choose Shishu, Kishor, or Tarun loan type

Submit the loan form and documents and keep the receipt

The bank will check your documents

The bank will say yes or no to a loan based on your details

If the bank says yes, you will get money in the account

Pradhan Mantri Mudra Yojana Loan is a plan to support new businesses and previous businesses. Govt. provides financial support to companies. Under this funding scheme owners of a business can get many good benefits like low interest rates, collateral-free, easy repayment, and smooth form filling. If you also have your business and need money then you should get a loan from Pradhan Mantri Mudra Yojana.

1. Who is eligible for a Mudra loan?

Ans - Any person who is running a small or micro-enterprise business, a non-corporate firm, and a non-agriculture industry is eligible to apply under the Mudra Scheme.

2. What is the interest of Rs 50000 on the Mudra Loan?

Ans - The interest rate determined on a loan of Rs 50000 under the Pradhan Mantri Mudra Yojana depends on many factors like the personal and business profile of the applicant, But generally the interest rate of a Mudra loan is 8% to 16% per annum.

Q.3 What is a 10 lakh loan in PM Modi?

Ans - Under the Pradhan Mantri Yojana, Rs 10 lakh means the amount that is provided as a loan to businesses with large potential. Loans up to Rs 10 lakh are given to businesses that come under the Tarun Loan category.

4. Who is not eligible for a Mudra Loan?

Ans - Businessmen belonging to corporate business, farmers, etc. category are not eligible for Mudra Loan but apart from this if the financial profile of any person is present as a defaulter or the complete documents related to the application process are not available then such applicants are also not eligible for Mudra Loan.

5. Can I get a Mudra Loan for personal use?

Ans - No, Mudra loan cannot be taken for personal use because this scheme has been started by the government to provide financial assistance to such businesses that are facing financial crisis.

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Pradhan Mantri Mudra Yojana (PMMY) - Mudra Loan

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The Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of India launched in April 2015 for facilitating funding to the non-corporate i.e. small and micro enterprises in non-farm sector. The loan is extended for a variety of purposes which provides income generation and employment creation in manufacturing, trading and service enterprises including allied agricultural activities.

Categorization of Mudra Loans

Based on amount of the loan, following are the three categories:

Shishu : Loans sanctioned under the scheme up to Rs.50,000

Kishore : Loans sanctioned under the scheme from Rs.50,001 to Rs.5,00,000

Tarun : Loans sanctioned under the scheme from Rs.5,00,001 to Rs.10,00,000

The maximum loan amount that can be availed of under PMMY is Rs.10,00,000

This categorization signifies the stage of growth / development and funding needs of the beneficiary micro unit/ entrepreneur and also provide a reference point for the next phase of graduation / growth.

Nature of credit facility

The facility is collateral free i.e. borrowers need not provide any security or collateral for availing Mudra loan
The loan amount can be availed of in nature of fund based facility like term loan, overdraft, cash credit or non-fund based facility like letter of credit, bank guarantee, etc.

Eligibility

All small and micro enterprises in non-farm sector

Engaged in income generating activities
Engaged in manufacturing, trading and services including allied agricultural activities
Whose credit needs are up to Rs.10,00,000

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Project Report Bank

Project Report for Mudra Loan

Whether you want to start a new business or a project or you want to expand your existing business, finance is the blood of any business. When you have a great idea, but no money to execute it, you can look for loans from banks and financial institutions.

There are many requirements to get a loan from a bank and these requirements vary from bank to bank and according to the amount and type of loan you are looking for. In this article, we are going to discuss how the project report can be prepared for the purpose of loan.

Mudra loans, like any other commercial loan, require submission of project report for lending under Tarun or Kishore category. Loans under the Shishu scheme are the most readily available loans for small businesses and borrowers are generally not required to present project reports with applications.

A project report is a document that provides a description of the business. It provides a detailed cost benefit analysis of the proposed expenditure for which a business loan is sought. It provides the audience of the report with a detailed idea of the project cost, scale of activities (proposed and existing), existing debt (if any), revenue estimates, and more.

The project report should be complete and with valid data so that it can be easily accepted and approved for approval of loans under PMMY.

Our experts can prepare a excellent project report for Mudra loan, click here for more details and message us on what’s no. 9993234091.

How to create a Mudra Loan Project Report?

Table of Contents

1 How to create a Mudra Loan Project Report?
2 Why do i need a project report for a Mudra loan? What is the role of project report in Mudra loan approval?
3 What are the benefits of the project report for Mudra loan?
4 Can the project report prepared by https://projectreportbank.com/ be used for MUDRA loan?
5 Which business projects are covered under Mudra loan?
6 Frequently asked questions on Mudra Loan Project Report
7 Is it easy to get Mudra Loan Project Report Download?
8 Can I get Mudra Loan Project Report sample pdf?
9 Where can I get the Mudra Loan Project Report format in the doc?
10 How to get the loan form of Mudra Loan?
11 Where can I get the Mudra Loan form?
12 Is a guarantor needed for Mudra Loan?
13 Can I get Mudra Loan if I am not in India?
14 Can I get Mudra Loan for a small scale Business?
15 Do I need to pay any processing fees for the Mudra loan?
16 I am 18 years old, Can I apply for Mudra Loan?
17 Can I open a grocery store from Mudra Loan?
18 Is there any format for Mudra Loan Project Report?
19 From where can I avail Mudra Loan?
20 Who all can avail of Mudra Loan?
21 What is the interest rate for Mudra Loan?
22 Is the rate of interest for Mudra Loan low?
23 How do I write a project report to avail loan?
24 How can I write a business project report?
25 How to create a project report on MSME Loan?
26 What are the components of the Mudra Loan Project report?
27 What is Mudra Loan Project Report Model?

A project report for a bank loan is a document that gives details about a business or project for which finance is being sought. It contains details about the economic, financial, managerial, technical aspects or business of the project.

a. Business / Project Summary: It talks about what the business or project is, about the need for finance, etc.

b. Business Prospects and Prospects: Explain the scope of the project, the current situation and future prospects. It is about the financial and technical feasibility of the project.

c. Details about promoters and other important officers: Profile, educational qualification, details of promoters and key personnel experience.

d. Required Resources: Machinery, Infra, knowhow etc.: Explain the cost and capacity as well as the infrastructure and technical requirements of the project.

e. Details about targets and prospective customers: Explain the project’s consumer profile about the possibilities of scaling and targeting customers.

f. Investment Requirement: Specify details about required investment along with specifications. This is essentially the cost of the project.

g. Sources of Finance: How essential funds are being sourced. Details about ownership and external funds.

h. Project financial statement: It includes financial statements such as balance sheet, profit and loss account.

i. Financial Estimates: Quantitative projection on income, sources of funds, expenditure, and application of funds.

j. Ratio analysis: Financial statements need to be calculated and analyzed through key ratios and their implications.

k. Fund Flow Statement: Details about funds from where it is sourced and the application of funds.

l. Brief analysis: analysis of the broken point of the project, this is feasibility in terms of cost and benefit

m. Conclusion: Findings about the project, its weaknesses, strengths, opportunities and threats.

The above is not an exhaustive list of project reports required by the lenders. Many lenders may have specific requirements related to the project report and may also be sought with the help of a professional in preparing the project report.

The main requirement in this regard is that the project report should be complete and factual otherwise it may lead to rejection of the loan application. This in turn will harm the credit score of the applicant. Therefore, project reports should be made with the utmost care and in accordance with the necessary lender guidelines.

Lenders will examine the project report with a fine comb and therefore all the details provided by the applicants can be verified by experts.

Why do i need a project report for a Mudra loan? What is the role of project report in Mudra loan approval?

Thus, a project report for bank lending is required to avail funds and loans from financial institutions and banks.

Every businessman is always ready to expand his business for which he needs money. The funding will come from banks or NBFCs or private equity funding. Now, in order to obtain funds from banks as well as other financial institutions, every entrepreneur needs to prepare a detailed business plan which is also known as bank loan or project report for feasibility report or feasibility report.

When an entrepreneur imagines a business idea, he thinks a lot about its feasibility. However, if he does not write the same and makes a detailed calculation of the costs and benefits involved, he cannot guess whether it is feasible and the idea is eventually dropped. Therefore, it is always appropriate to prepare a detailed business plan or project report to understand whether it is practical or not.

Failure to present a clear cut project report can result in rejection by the bank and then you will have to reapply or reconsider the information entitled in the report. So, if you have any doubt or any question regarding the preparation of the project report of the bank loan, then contact us through the Whats app or email.

What are the benefits of the project report for Mudra loan?

Mudra loan is mainly for the people setting up small businesses and hence the government has ensured that there is not much delay in disbursement of Mudra loan. Once the project report is submitted for the Mudra Bank loan, there is hardly a small phase for approval and disbursement of the loan.

What is the project report for Mudra loan?

The major part of a Mudra Loan or other business loan is the “Project Report”. A project report will help you understand the nature of your business, procurement, process, job opportunities, profitability and ROI. This will clarify how ready or honest you are for your startup.

The project report should be clear, meaningful and understandable as it will represent you in your absence. Its report should be in detail with facts and figures along with development. Incomplete project reports or mysterious data may cause rejection and rejection will lower your CIBIL score.

A project report for Mudra loan includes many things like your personal, educational and professional details. The bank can ask about the experience of that field and many other questions related to the field, experience to check eligibility.

Is project report mandatory for Mudra loan?

No, there is no requirement of project report for Shishu loan but Tarun and Kishore project report is mandatory to understand the business process.

What if my Mudra Loan project report gets rejected?

If in any way the project report submitted for a bank loan is rejected by the bank, the business firm applying for the loan can prepare the report of any other project and apply the project report to any other bank or financial institution. It is important to note that this may not be the only reason for the rejection of a loan.

Is there a specific format for making a project plan report for Mudra loan?

No, there is no fixed or bank approved format for project planning for Mudra Bank loan. However, some information, such as market size and technical aspects, can be added to the Mudra loan project plan.

Who prepares the project report?

Project reports can be prepared by business entrepreneurs or they can hire the services of our website www.projectreportbank.com for the PMMY Project Report .

Does the bank verify the information given by me in Mudra Loan application?

Of course! Before issuing a loan to a business, the bank verifies the financial statements and other information presented in the project report. Therefore, it is advised that banks prepare a clean project report for the loan with all the necessary details regarding the financial projects of the business. However, the data provided in the financial projections are based only on a base decision basis and cannot be verified, however, bankers need to examine the feasibility of the assumptions made.

Need to sign Mudra Project Report for Bank loan / seal by CA?

No, CA is not required to be signed or stamped for submission of Mudra Loan Project Report in the bank, it is a plan or future data submitted by an entrepreneur to the bank or institution where the loan is applied for.

Can the project report prepared by https://projectreportbank.com/ be used for MUDRA loan?

Yes, Project Report for Mudra Loan is prepared by our expert. You can use our Mudra Loan Project Report to apply.

Why is a professionally created project report required?

A project report is a foundation document for analyzing the future performance of an entity and is a very important document to form an opinion about the future of the company or business entity.

To avail working capital loans, term loans and other loans from banks or financial institutions.
For make a presentation to get the equity participation of the investor.
To structure / restructure the firm’s bank lending / financial and business strategies.
For buy, to start or to start a new business.
To properly dispose of an existing business.
Also, for assess the value of the project or business.

Which business projects are covered under Mudra loan?

Mudra loans are extended for various purposes resulting in employment generation and income generation. Loans are mainly extended to:

Business loans for traders, sellers, shopkeepers and other service sector activities
Working capital loan through MUDRA card
Equipment Finance for Micro Units
Transport Vehicle Loans – For Business Use Only
Loans for agricultural-related non-agricultural income generating activities, e.g. Beekeeping, Fisheries. Poultry, etc.
Tractors, tillers as well as two wheelers are used for commercial purposes only.

Following is a list of activities that can be covered under MUDRA loan:

1) Transport Vehicle

Purchase of transport vehicles for transportation of goods and passengers such as auto rickshaws, small freight transport vehicles, e-rickshaws, 3 wheelers, taxis, etc. Tractor trolleys, tractors, and power tillers that are only necessary for industrial purposes are also liable for PMMY assistance. Two-wheelers that are running for industrial purposes are not cover in PMMY.

2) Community, social and personal service activities

Salons, gymnasiums, beauty parlors, boutiques, dry cleaning, sewing shops, bicycle and motorcycle repair shops, DTP and photocopying, medical shops, facilities, courier agents, etc.

3) Food Products Sector

Activities such as pickling, papad making, jam / jelly making, agricultural produce protection at the village level, sweets shops, small serving food stalls and daily catering / canteen services, cold storage, cold chain vehicles, ice making units, biscuits, ice cream units, bread and bun making , etc.

4) Textile Product Area / Activity

Handloom, khadi activity, powerloom, brocade and zardozi work, traditional embroidery and hand work, traditional dyeing and printing, weaving, garment design, computerized embroidery, cotton weaving, sewing and other textile non-garment products such as vehicles Accessories, bags, furnishing of goods, etc.

5) Business loans for merchants and shopkeepers

Financial assistance for lending to individuals for their shops / business and business activities / service enterprises and non-farm income generating activities, which are activities with a size of beneficiary loan up to 10 lakhs per enterprise / borrower.

6) Equipment Finance Scheme for Micro Units

With a beneficiary loan size of up to 10 lakhs, micro enterprises can be start by purchasing machinery and equipments.

7) Activities allied to agriculture

‘Activities allied to agriculture’, e.g. Beekeeping, Poultry, Fisheries, Livestock farming, Sorting, Grading, Aggregation Agro industries, Agri-clinics, Fisheries, and Agribusiness centers, Food and agro-processing, etc. (excluding land improvement, crop loans, such as canals, wells, and irrigation) and supporting services that foster livelihoods or generate income would be covered under the PMMY.

Frequently asked questions on Mudra Loan Project Report

Is it easy to get mudra loan project report download.

If you want to avail the Mudra Loan in agisting of time you need to prepare a project report. If you want to get Mudra loan then you need to prepare a project report. If you do not know how to prepare it, you can use our services. We will make the project report available to you for download in a very short time.

Can I get Mudra Loan Project Report sample pdf?

It is not that difficult to get the Mudra Loan Sample PDF. Our website gives you instant access to the project reports of MUDRA loans. You can send us request on WhatsApp to get sample project report

Where can I get the Mudra Loan Project Report format in the doc?

If you are looking forward to avail a Mudra loan, you can take the help of our experts in preparing the project report. You can request us on WhatsApp to make the project report available in doc format.

How to get the loan form of Mudra Loan?

You can download it online free of cost or get one from the branches of all the banks.

Where can I get the Mudra Loan form?

Mudra loan form is available in all the bank branches in India. PM has allowed all the banks to provide you facility of Mudra Loan so you can get the loan form from any Indian bank.

Is a guarantor needed for Mudra Loan?

No, I do not need a guarantor for Mudra Loan. You don’t even require an upper age limit to acquiring this loan.

Can I get Mudra Loan if I am not in India?

You can still get a Mudra Loan. Contact the nearest branch of the bank and get it done.

Can I get Mudra Loan for a small scale Business?

Yes, you can get a mudra loan for a small scale industry in India but it is usually less than 10 lack rupees.

Do I need to pay any processing fees for the Mudra loan?

You need not pay any processing fees when you apply for a Mudra loan online.

I am 18 years old, Can I apply for Mudra Loan?

If you are 18 years you can avail Mudra Loan. Anyone below 18 years of age cannot get it. Using this money you can become an entrepreneur.

Can I open a grocery store from Mudra Loan?

With a Mudra loan, you can avail yourself of money of amount 10 lakhs. So you can instantly start a grocery store with a Mudra loan in your village or city.

Is there any format for Mudra Loan Project Report?

As there is no exact format for the Mudra Loan project report. But you need to include everything related to your planned business plan to avail Mudra Loan. You can thus check out the procedure to avail of Mudra Loan on our website.

From where can I avail Mudra Loan?

Mudra Loans are given by all the eligible financial bodies in India as directed by the Reserve Bank Of India be it a public or a private bank. For example, all the nationalized, cooperative and rural banks can give you Mudra Loan.

Who all can avail of Mudra Loan?

Mudra loans can be availed by all individuals and startup companies like small scale and medium scale. The business owners, manufacturers, artisans, vegetable and fruit sellers etc can also avail of the Mudra Loan.

What is the interest rate for Mudra Loan?

The interest rate of Mudra Loan is expected to be lower than the interest rate of other loans.

Is the rate of interest for Mudra Loan low?

The rate of interest of Mudra Loan is low in comparison to other types of bank loans.

How do I write a project report to avail loan?

The sequence to write the project report for a loan is below. Business background Client profile The short and long term objectives Analysis of market Assessment of market Financial and operational plan

How can I write a business project report?

Using the keys to an effective business report below, you can write a business project report. Handover the project report on time. The report is expected to be there on time and delay defeats the purpose of the report. Providing complete but incorrect information is bad and the loan may not approve. You must not try to cover up the negative news as the details should be made transparent. Stay proud of your team and its achievements.

How to create a project report on MSME Loan?

The first step is to describe the objective and then think about the purpose of the project report. Next, you must try to understand the target audience and create a formal project report for the stakeholders. Format the report carefully. Present the data and facts effectively. The report structure should be effective. The project report should be easily readable.

What are the components of the Mudra Loan Project report?

Following are the components of the project report Mudra Loan. Objective Area of Expertise Budget Details of tools Commercial details Profile of Company Order details Employee information Logistics Advertising Marketing

What is Mudra Loan Project Report Model?

MUDRA is financial help that is given by banks to support and protect small scale businesses and encourage entrepreneurs in the country, To avail Mudra loan, you need to create a project report that provides all the details about your business. It is called the Mudra loan project report model. This helps you to get finance from banks very quickly and you can easily start your new startup in India. The most important information relating to your business like company background, profit, number of employees, return of interest etc should be included in the project report for Mudra Loan. Hiding facts and providing false information or misrepresenting data can lead to reducing your credit score. It is thus advised to include personal and professional details that are genuine to get attractive Mudra Loans.

Official Website of Loan Scheme :- https://www.mudra.org.in/

Also, Read our article on :-

Bank of India Mudra Loan Scheme
Mudra Loan Scheme Purpose, Features, and Offerings
Bank of Baroda Mudra Loan Scheme

Project Report Format for Bank Loan

If you need a bank loan to start your dream business, a project report is a necessary document. Struggling to make one? Don’t know the format for the project report? Don’t worry, you are at the right place!

In this blog, we will discuss about: 1) What is a project report? 2) Why do you need it? 3) How can you prepare a convincing project report?

1) What is a project report?

A project report is a mandatory document that outlines different aspects of the business or startup project. It should contain the project’s details, feasibility, and financial requirements. Here comes the next question, why does someone need this?

2) Why do you need it?

There are several reasons which show project reports as a must. Some of them are listed below:

Project reports will help the bank assess your project’s success rate and can thereby make sure that you can repay the loan.
It will help the bank understand the project’s risks and rewards.
Submitting a decent project report shows the lender that you have done enough homework and is serious about the project. The project report also provides information about your qualifications and experience.

3) How can you prepare a convincing project report?

The format of a project report varies from loan to loan. However, a strong and convincing project report should contain the following:

Executive summary : An executive summary is a short summary containing the business’s overall status. It should be concise and should provide an overview of the entire project.
Project description : It should explain the project’s nature, purpose, scope etc.
Details of promoters : The details of the promoter’s skills, qualifications and experience should be mentioned.
Details of Employees : Like the promoters, the details of the employee’s skills, qualifications and experience should also be mentioned.
Production plan : This includes the details such as plant and machinery, raw material used and steps in the manufacturing process.
Market analysis : It conducts research about the market to understand the demand for your product and services.
Marketing plan : This provides the details about the marketing and sales strategies of your product/service.
Project cost estimation : It’s the estimated expense that arises at the time of building the project.
Balance sheet : All accounts will be visible on the balance sheet so that the lender can see where the money was spent.
Profit and loss account : It shows whether the company is making a profit or a loss.
Cash flow statement : It allows the lender to understand whether you have the ability to repay the loan.
Loan repayment plan : This section should provide a well-defined plan for repayment of the loan.
Break-Even point evaluations : It shows the point at which the project revenue equals its expenses.
Conclusion : Lastly, Conclude the report by summarizing the key strengths of the project. Make it short and compelling.

Still, having trouble creating one? Let us help you. Our expert team at Finline helps you craft a compelling project report in less than 10 minutes. That too in your language. Our reports are accepted by all public and private sector banks working in India. Click to create your report.

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Related posts, fostering entrepreneurial spirit: navigating through the 2024-25 interim budget with finline, the future of ai in project reporting: a comprehensive guide, business expansion blueprint: project report for msme loan, from farm to finance: project reports in agriculture, from idea to report: the journey of a new business project.

Biden's new student-loan forgiveness plan has already received over 24,000 comments. There are 2 weeks left to give the administration input.

There are two weeks left for the public to comment on Biden's new student-debt relief plan.
Once the public comment period ends, the administration will move toward final implementation.
Still, legal challenges and the election pose threats to the debt cancellation.

The American people have just two weeks left to give President Joe Biden's administration input on its new student-loan forgiveness plan .

On April 17, the Education Department published its draft rules for a broader version of debt relief to the Federal Register. First unveiled in early April, the new plan is expected to benefit over 30 million borrowers through a range of provisions, including canceling unpaid interest for borrowers and providing debt relief to those who have made at least 20 years of payments.

This new plan is intended to replace Biden's first attempt at relief that the Supreme Court struck down last summer. In contrast to the first plan, this one requires the administration to undergo a process known as negotiated rulemaking, which entails a series of negotiations with stakeholders and an opportunity for the public to comment on the plans before final implementation.

Watch: Why student loans aren't canceled, and what Biden's going to do about it

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Tata Capital > Blog > Loan for Business > How to Apply for Mudra Loan

How to apply for mudra loan.

The Pradhan Mantri MUDRA (Micro Units Development and Refinance Agency) Yojana, also known as the PMMY, was launched by the Government of India on 8 April 2015. This scheme aims to make loans more accessible to small businesses and entrepreneurs, staying true to its slogan- ‘Funding the Unfunded.’

Under this, businesses can get a loan of up to Rs 10 Lakh. If you’re curious about this loan and don’t know how to apply for the loan, look no further.

Here, we discuss everything you need to know about Mudra loan: how to apply, the documents required, its various schemes, and, most importantly, how to easily track the status of your loan.

Mudra Loan: How to Apply?

There are two ways that loan seekers can apply for a loan under the PPMY: online apply and offline. We discuss both these modes of Mudra loan application here.

PM Mudra Yojana Loan: Apply Online

You can apply for the Mudra loan without stepping out of the comfort of your home. For Mudra loan yojana online apply, follow the steps below:

Step 1: Download the loan application form by visiting the official website of the eligible financial institution that offers Mudra loans as per RBI guidelines.

Step 2: Complete the downloaded application form with all required details. Be sure to enter correct information. Attach all relevant documents as well. We’ll discuss the list of required documents further in the article.

Step 3: Submit the duly filled application form online on the website of the financial institution from where you downloaded the application form. Once submitted, you will receive a reference ID or number.

Step 4: The financial institution’s representative will contact you to take the process forward. Be sure to keep your reference ID at hand during the formalities.

Step 5: Once your application form and attached documents are processed and verified by the financial institution, the loan amount will be disbursed directly into your account.

PM Mudra Yojana Loan: Apply Offline

If you want to apply for the Mudra loan offline, here are the steps to follow:

Step 1: Visit the PMMY-authorised financial institution’s nearest branch.

Step 2: Complete the application form and attach all necessary documents before submitting it to the financial institution. We’ll be discussing the list of documents required further in the article.

Step 3: Complete all other formalities directed by the financial institution.

Step 4: Once the application form and the documents are processed and verified by the financial institution, the loan amount will be disbursed directly into your account.

And that’s it. Applying for your Mudra loan is easy and straightforward, and it is even more convenient if you decide to apply online.

Documents Required for Mudra Loan

Along with the application form, you will need to submit certain documents. Here’s a concise list to help you prepare beforehand and ensure the entire application process is smooth.

1. KYC documents such as Passport, Voter ID card, Driving License, Aadhaar card, Utility Bills (water or electricity), and PAN card

2. Documents in case the applicant belongs to SC/ST/any other special category

3. Proof of current address

4. Proof of income

5. Bank statement for the last six months

6. Business establishment certificate

7. Proof of continuity of business

8. Any other documents required by the financial institution

PM Mudra Yojana Loan Schemes

Under the PPMY scheme, loan seekers can apply for collateral-free business and working capital loans of up to Rs 10 Lakh with a repayment tenure of up to five years. Individuals, self-employed professionals, MSMEs, and other business entities are eligible for this loan.

Further, financial institutions charge nominal processing and foreclosure charges on these loans.

The Mudra Yojana loans are classified into three loan schemes. These are as follows:

1. Shishu Loan Scheme:

Applicants can apply for a loan amount of up to Rs 50,000. These are ideal for start-ups and new businesses.

2. Kishore Loan Scheme:

Applicants can apply for a loan amount between Rs 50,001 and Rs 5,00,000. This is ideal for meeting expenses such as purchasing equipment, machinery, and raw materials and for expenses arising from business expansion.

3. Tarun Loan Scheme:

Applicants can apply for a loan amount between Rs 5,00,001 and Rs 10,00,000. This is ideal for established businesses and enterprises.

Applicants can choose to apply for a Mudra Yojana loan under any of the above three schemes depending on the loan amount required and repayment capacity.

Who Offers PM Mudra Yojana Loans?

Public, private and regional rural financial institutions are eligible to provide Mudra loans. This is to ensure that these loans are easily accessible to all. Here is a list of financial institutions that offer Mudra loans:

1. Non-Banking Financial Companies (NBFCs)

2. Public and private financial institutions

3. Regional Rural Banks (RRBs)

4. Small Finance Banks (SFBs)

5. Micro Finance Institutions (MFIs)

The financial institution must meet the following criteria to be able to offer loans under the PMMY scheme:

1. It must have generated profits in the last two years.

2. In case it is a public, private or regional rural financial institution, its net performing assets must be greater than 15%, 10%, and 6%, respectively.

3. The net worth must be above Rs 250 Crore in case it’s a private or public financial institution. In the case of a rural bank, the net worth must be above Rs 50 Crore.

How Can you Check your Loan’s Status?

The method to check your Mudra loan application status differs with financial institution. Several financial institutions allow applicants to check the status online, without requiring to visit their branch. It’s best to visit your chosen financial institution’s website for the same.

Alternatively, you can also verify your Mudra loan status through SBI e-Mudra by dialling 1800-11-2211 (toll-free). Be sure to keep your reference ID or number at hand for a smooth process.

Final Thoughts

Businesses looking to raise funds can follow the steps above for PM Mudra loan’s online application and offline application process. Further, once you submit the application, you can check the status of your loan through the ways mentioned above.

However, if you’re looking for alternate financing or require loans greater than 10 Lakhs, consider applying for a business loan with Tata Capital. With attractive interest rates, easy eligibility criteria, minimal documentation, and quick approvals, you can give your business the wings it deserves in no time. What’s more, you can apply for your Tata Capital business loan right from the comfort of your home!

To learn more, visit the Tata Capital website or download the Tata Capital App now!

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IMAGES

Mudra Loan
How to apply for a Mudra Loan? Types, Application Process & more
What is a Mudra Loan? How to apply for Mudra Loan? Eligibility & more
How to prepare project report for Mudra loan
How to Set Up an Own Business through Mudra Loan? [Step by step Guide]
How to Apply MSME Mudra Loan for New Business in 2022

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How To Get Mudra Loan For Your Business 🤔 #shorts #mudraloanscheme #loanforbusiness #trendingshorts

COMMENTS

Project Report for Mudra Loan: A Comprehensive Guide
How to Prepare a Project Report for a Mudra Loan Executive Summary : Start your project report with an executive summary that provides an overview of your business idea, investment requirements ...
Pradhan Mantri Mudra Yojana
Details. Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of India. The scheme facilitates micro credit/Loan up to Rs. 10 lakhs to income generating micro enterprises engaged in the non farm sector in manufacturing, trading or service sectors including activities allied to agriculture such as poultry, dairy, beekeeping, etc.
Preparing project Report for loan from Banks- MSME loan/Mudra loan
Project report for bank loan. A project report for bank loan is a document which details out about a business or project for which finance is being sought. It contains the details about the financial, economic, managerial, technical aspects of the project or business in question. Illustrative inclusions in the project report.
Project report for Mudra Loan
The major part of Mudra loan or other business loan is "Project Report". A Project report will help to understand the nature of your business, process, procurement, job opportunities, profitability & ROI. It will clear that how much you are prepared or sincere for your startups. The project report should be clear, meaningful and ...
Mudra Yojana explained: Financial support for entrepreneurs
Benefits of Mudra Yojana. This government scheme offers a multitude of benefits: Access to finance for businesses that lack collateral. Competitive interest rates to ensure affordability. Flexible ...
Mudra loan for New Business
If you are applying for a Mudra Shishu loan, you need to prepare and submit a future earning potential plan for your business. You can also choose your preferred lender. 2. Kishore Loans . Under Pradhan Mantri loan scheme for new business, Mudra Kishore loans are the next offering.
Mudra Loan for Startups
The maximum loan amount for a MUDRA Startup Loan is up to ₹10 lakhs. However, the loan amount may vary depending on the scheme, lender, and the borrower's eligibility criteria, such as credit score, business plan, and financial history. Checking with the specific lender for accurate and up-to-date information is recommended.
Project Report For Mudra Loan
To get a Mudra loan the first and foremost requirement is to submit a Project Report to the Bank. The Project Report should include all business-related financial, economic, managerial, and technical aspects of the project or business. The report should be easy to understand and in a neat format. Applicants can create the project report on ...
Project Report for Mudra Loan
Project Report for Mudra Loan. Mudra loan offers bank loans at affordable interest rates for setting up of Micro, Small and Medium Enterprises (MSMEs). To avail Mudra loan, applicants need to submit a project report to Public Sector Undertaking (PSU) banks. The project report contains all business-related information with company background and ...
MUDRA Loan Project Report
Bank offers loans for this scheme called Mudra Loan Scheme. The specific details are listed below. The loan is sanctioned to non-farming segments after 8th April 2015. The limit of this loan is about Rs. 10 lacs. Mudra Loans are also provided for service, manufacturing, and trading operations.
How to Get Pradhan Mantri Mudra Loan for Your Business
Ans - The interest rate determined on a loan of Rs 50000 under the Pradhan Mantri Mudra Yojana depends on many factors like the personal and business profile of the applicant, But generally the interest rate of a Mudra loan is 8% to 16% per annum.
Grow your Shop Business with Mudra Loan: A Complete Guide
Now simply enter your business details here and select Mudra Loan from dropdown menu and click next. On the 2 nd page provide owner details like Name, education, work experience, and the number of employees you plan to hire. Next, give the breakup of assets you'll buy from the loan amount, like Shop furniture, computers, etc; and in the ...
What is PM Mudra Loan and How To Apply For It? Details Here
How To Apply For a PM Mudra Loan. To apply for a MUDRA loan, you can follow these general steps: Contact A MUDRA-Empaneled Lender: Approach a financial institution that is empaneled with MUDRA for providing MUDRA loans. These institutions include public sector banks, private banks, regional rural banks, cooperative banks, microfinance institutions, and NBFCs (Non-Banking Financial Companies).
Mudra Loan: Affordable Small Business Funding under PMMY
Loan eligibility. Before you apply for the PM Mudra loan, check for the required eligibility criteria: 1. You must be an Indian citizen with a small business or partnership firm. 2. You must be at least 18 years old and at most 65 years old. 3. The business segment must be trading, manufacturing or service related. 4.
How To Write A Successful Business Plan For A Loan
This section is the most important for most businesses, as it can make or break a lender's confidence and willingness to extend credit. Always include the following documents in the financial ...
Download Project Report Format In Excel For Mudra Loan
If you have started a new business or expending an existing business, you need to prepare project report to get financing from a bank or any other financial ... Pradhan Mantri Mudra Yojna requires a project report for granting loans. You can prepare report for Mudra loan using this MS Excel file and banks will accept the report. Posted on: Dec ...
MUDRA loan Scheme
It is important to note that there is no processing fee or collateral requirement for obtaining a MUDRA loan. In the above list, a Business plan also known as a project report is a crucial document when applying for a bank loan. The bank uses this document to analyze the overall feasibility, risks, financial viability, and potential of a project.
Pradhan Mantri Mudra Yojana (PMMY)
The Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of India launched in April 2015 for facilitating funding to the non-corporate i.e. small and micro enterprises in non-farm sector. The loan is extended for a variety of purposes which provides income generation and employment creation in manufacturing, trading and service ...
PDF SALIENT FEATURES 12. Availability of the loan 1. B
Term Loan:- To be repaid in suitable installments with suitable moratorium period as per cash flow of the business. OD & CC Limit: Repayable on demand. Renewal and Annual Review as per internal guidelines of the Bank. 12. Availability of the loan Mudra loan under PMMY is available at all bank branches across the country.
Project Report for Mudra Loan Information Business Plan
A project report for a bank loan is a document that gives details about a business or project for which finance is being sought. It contains details about the economic, financial, managerial, technical aspects or business of the project. a. Business / Project Summary: It talks about what the business or project is, about the need for finance, etc.
Project Report Format for Bank Loan
The format of a project report varies from loan to loan. However, a strong and convincing project report should contain the following: Executive summary: An executive summary is a short summary containing the business's overall status. It should be concise and should provide an overview of the entire project. Project description: It should ...
I Asked a Financial Planner Who Should Consider Debt ...
Plus, as 401(k)s are tied to your job, if you leave your job, you'll be required to pay back the loan in full right away. Ammar offers the following example: You borrowed the entire $50,000 and ...
List of Documents Required for Mudra Loan under PMMY
Documents Required for Applying MUDRA Loan. Duly filled Mudra application form (PDF format) with passport-sized photographs. Applicant's KYC documents: Passport, Voter's ID card, Driving License, PAN card, Adhaar Card, Utility Bills (Water/Electricity Bills), Birth certificate, Class X certificate. Income Proof: Last 12 months' bank ...
Comment on Student Loan Relief: 2 Weeks to Give Input on Biden's Plan
The American people have just two weeks left to give President Joe Biden's administration input on its new student-loan forgiveness plan.. On April 17, the Education Department published its draft ...
How to Apply for Mudra Loan
If you want to apply for the Mudra loan offline, here are the steps to follow: Step 1: Visit the PMMY-authorised financial institution's nearest branch. Step 2: Complete the application form and attach all necessary documents before submitting it to the financial institution.
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Michael Crowley, who covers the State Department and U.S. foreign policy for The Times, explains why those involved in this plan believe they have so little time left to get it done. On today's ...
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Preparing project Report for loan from Banks- MSME loan/Mudra loan

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Project report for Mudra Loan

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What is Project Report for mudra loan ?

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What is Mudra loan project report?

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How to Get Pradhan Mantri Mudra Loan for Your Business

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What is a Mudra Loan?

Benefits of PM Mudra Loan

How many types of Mudra Loan are there?

1. Shishu Loan:

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Interest Rate of PM Mudra Loan

1. Shishu Loan Interest Rate:

2. Kishore loan interest rate

3. Tarun Loan Interest Rate:

Eligibility for Mudra Loan

Eligibility criteria for Shishu, Kishore, and Tarun Loan

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Documents for Mudra Loan

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