When the Modi govt had launched the scheme, everyone were happy and they will get colletral free loan for business starting business & expension. People thought that the govt will launch MUDRA Bank for MUDRA lona but the govt had authoruzed to SIDDBI to design policy for MUDRA Loan and authorized all Nationalize bank and financial institutes to issue MUDRA Loan. We designed the mudrabank.
com so that we would provide you correct information about the process and procedure.
After the launced of Mudrabank.com we had started to receive several complaints that banks were not accepting request for MUDRA Loan & surprising the complaints against banks were increasing day by day. We were receiving complaints like banks not accepting loan request, delaying application, not providing loan form, demanding money, our quota had fullfilled, our branch had not authorized for mudra loan etc.
It was really serious matter because banks were not following the policy & it was damaging center’s image. We aware that bank had rights to deny loan application but before denying they had to follow some process first.
On our request center govt. & bank had issued some guidelines on it but the flow of complaints had not stopped. People were commenting about center govt. & we were sending all comments to Ministry of Finance for action. We followed the same process till one month & when we were never gotten any possitive changes & response from there. We planned to design one loan application form so that you can apply mudra loan online and we can send the same form to concern bank officials so that they could sned it to concern branch for action.
Now thousands of people have applied mudra loan online and we are forwarding the same to concern bank officials to take prompt action. After launc, we received several possitive comments because banks were responding with TAT.
Friends, we request you that please do not pay anyting for MUDRA loan or less interest rates & visit once your bank brnach before applying mudra loan online.
Pradhan Mantri Kaushal Vikas Yojana is a unique initiative by the Government of India that aims to offer 24 lakh Indian youth meaningful, industry relevant, skill based training. Under this scheme, the trainees will be offered a financial reward and a government certification on successful completion of training and assessment, which will help them in securing a job for a better future.
After completion of Pradhan Mantri Kaushal Vikas Yojana (PMKVY) candidate can start its own business & apply for MUDRA Loan via financial institutions. Banks/ FI always prefer to provide loan to skilled or trained person.
Under PMKVY you can apply at any branch for Mudra loan. Under MUDRA scheme banks will provide you collateral free loan under Shishu, Tarun and Kishor scheme.
Tags:- Pradhan Mantri Kaushal Vikas Yojana & Mudra Bank Loan, PMKVY & MUDRA Bank, Mudra Loan and PMKVY. PMKVY & Mudra Scheme.
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15 comments - What do you think? Posted by
May 13, 2016 at 12:17 pm
Hope you all are doing well, day by day we are getting lots of mail and query online for Mudra loan. We are happy to see that people are taking too much interest in Pradhan Mantri Jan Dhan Yojana (PMJDY) & planning to start his/her own business. We all are here to support and guide on finance related issues. We took initiative to guide through www.murabank.
Friend, we started online form facility so that person who are facing issue by bank branches, can fill form online. We always suggest that you should visit your nearest bank branch first to understand the scheme. If bank employee or staff will not cooperate with you or not provide or deny about Mudra loan than you can apply online through our portal. We will send your request cum complaint to senior official to take prompt action.
I hope you understand that the MUDRA lona is a kind of facility for you not rights. Bank will check your repay capacity before disburse the MUDRA or any other kind of loan. We also request you “Please do not pay any money for MUDRA loan” & report if someone is demanding money for it. You can write about it to us or CVO of that bank.
आशा हैं की आप सभी कुशल मंगल होंगे| दिनों दिन हमारे पोर्टल पर लोगो के सुझाव व प्रशन लगता बढ़ रहे हैं इसे देखकर हमें प्रसन्नता और दाइत्व दोनों का बोध होता हैं| हमने वेबसाइट बनाते समय यह कभी नहीं सोचा था की इस प्रकार हमें लोगो को प्यार मिलेगा| वेबसाइट बनाने और लोगो के प्रश्नों का उत्तर देते हुए हमें यह पता लगा की कई बैंक शाखाये लोगो को मुद्रा योजना और किस प्रकार मुद्रा लोन के लिए आवेदन किया जाता हैं उसके लिए भ्रमित कर रही हैं| आश्चर्य तो तब हुआ जब बैंक की शाखाओ ने लोगो को सीधे सीधे मना करना शुरू कर दिया की हमारे यंहा मुद्रा लोन नहीं दिया जाता हैं और हमारी लोन की निर्धारित सीमा पूरी हो गयी हैं |
यह सब पढने के पश्चात हमें लगा की हमें सूचना देने से बढ़कर इस उद्देश्य में हिस्सेदारी सुनिश्चित करनी होगी | इसके लिए हम लोगो ने एक ऑनलाइन प्राथना पत्र बनाया ताकि जिन लोगो को बैंक शाखा इस विषय में परेशान कर रही हैं हम उन लोगो आवेदन शिकायत के साथ सम्बंधित बैंक के अधिकारियो व इससे सम्बंधित सरकारी अधिकारियो को भेजे ताकि उन्हें भी पता लगे की घोषणा व क्रिन्यान्वय में जमीन आसमान का अंतर हैं|
आप सभी से अनुरोध हैं की ऑनलाइन सुविधा का लाभ लेने से पहले आप सम्बंधित बैंक में जरूर जाए और बैंक के कर्मचारियों से मिले और उनसे बात करे| सच मानिये समाज में सभी लोग एक जैसे नहीं हैं | लेकिन अगर फिर भी आपको बैंक से कोई सूचना नहीं मिलती हैं तो आप बैंक किस शिकायत पुस्तिका में इसके बारे में लिख सकते हैं और ऑनलाइन आवेदन कर सकते हैं|
आशा करता हूँ की आप इन सभी बातो को आत्मसात करेंगे और ऑनलाइन आवेदन करने से पहले बैंक शाखा में जरूर जायेंगे|
Any Indian Citizen who has a business plan for a non-farm sector income generating activity such as manufacturing, processing, trading or service sector and whose credit need is less than 10 lakh can approach either a Bank, MFI, or NBFC for availing of MUDRA loans under Pradhan Mantri Mudra Yojana (PMMY).
The usual terms and conditions of the lending agency may have to be followed for availing of loans under PMMY. The lending rates are as per the RBI guidelines issued in this regard from time to time.
There is lots of confusion in the market that which industries are cover under MUDRA Yojana. We are getting lots of query continuously about it.
MUDRA covers almost all industries & sectors specially in rural areas. MUDRA designs specially for weaker section who have good entrepreneur skill & need working capital to start business.
MUDRA operates a special scheme for women entrepreneurs under Mahila Uddyami Scheme.
List of industries which are eligible for MUDRA Bank loan.
Non – Corporate Small Business Segment (NCSBS) comprising of millions of proprietorship / partnership firms running as small manufacturing units.
Service sector units :- Such as saloons, beauty parlours, gymnasium, boutiques, tailoring shops, dry cleaning, cycle and motorcycle repair shop, DTP and Photocopying Facilities, Medicine Shops, Courier Agents, etc.
Fruits / vegetable vendors
Truck operators :- purchase of transport vehicles for goods and personal transport such as auto rickshaw, small goods transport vehicle, 3 wheelers, e-rickshaw, passenger cars, taxis, etc.
Small industries:- handloom, powerloom, chikan work, zari and zardozi work, traditional embroidery and hand work, traditional dyeing and printing, apparel design, knitting, cotton ginning, computerized embroidery, stitching and other textile non garment products such as bags, vehicle accessories, furnishing accessories, etc.
Food processors :- papad making, achaar making, jam / jelly making, agricultural produce preservation at rural level, sweet shops, small service food stalls and day to day catering / canteen services, cold chain vehicles, cold storages, ice making units, ice cream making units, biscuit, bread and bun making, etc.
Lots of others in rural and urban areas.
Tags:- MUDRA Loan for Industries, MUDRA loan for Shop, MUDRA scheme for distributors, MUDRA Scheme for retailers, MUDRA loan for services sector.
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117 comments - What do you think? Posted by
October 11, 2015 at 1:41 pm
Modi Government has launched the MUDRA Scheme for weaker sections & small entrepreneurs but after the launch there is not clarity on Interest Rate.
Now we are providing interest Rate details according to MUDRA Scheme.
MUDRA SHISHU Yojana
Under Mudra Shishu Yojana banks are providing loan upto 50,000/-. It is basic scheme and banks are charging very nominal interest rate which is around 10% to 12%. We also found that the Nationalize banks are charging less interest rate than private banks etc.
MUDRA KISHOR Yojana
Under Mudra Kishor Yojana bank are providing loan upto 5,00, 000/- rupee. It is middle scheme & comes in category of unsecured loan & its Interest rate rate is high from14% to 17% depends on bank to bank. We suggest you to differentiate interest rate between Nationalize bank and Private bank before apply MUDRA Loan.
MUDRA TARUN Yojana
Mudra Tarun Yojana is the last scheme of government of India. Under MUDRA Tarun Scheme applicant can apply loan between 5,00,001 to 10,00,000/-. It is also an unsecured Loan and its rate of interest rate is high and starts from 16% and very bank to bank. In every case the interest rate between Nationalise bank and Private banks are different. Please check interest rate before apply loan.
As per our experience banks are not taking interest to approve MUDRA loan because of in-secure loan. Bank has right to dis-approve your loan request but they will process your loan application before deny.
If you are still facing any issue or bank employees are harassing you or demanding bribe. Please contact with CVO of concern Bank or local authority or mail us at info (at) mudrabank.com.
List of institution which are authorised to disburse loan Under MUDRA Scheme.
Public Sector Banks
1 State Bank of India
2 State Bank of Bikaner & Jaipur
3 State Bank of Travancore
4 Bank of Baroda
5 Bank of India
6 Bank of Maharastra
7 Canara Bank
8 Corporation Bank
9 Dena Bank
10 IDBI Bank Ltd.
11 Indian Bank
12 Oriental Bank of Commerce
13 Punjab National Bank
14 Syndicate Bank
15 UCO Bank
16 Union Bank of India
17 Vijaya Bank
18 Allahabad Bank
19 Andhra Bank
20 Bhartiya Mahila Bank
21 Central Bank of India
22 Indian Overseas Bank
23 Punjab & Sind Bank
24 State Bank of Hyderabad.
25 State Bank of Mysore
26 State Bank of Patiala
27 United Bank of India
Private Sector Banks
1 Axis Bank Ltd.
2 Catholic Syrian Bank Ltd.
3 City Union Bank Ltd.
4 DCB Bank Ltd.
5 Federal Bank Ltd.
6 HDFC Bank Ltd.
7 ICICI Bank Ltd.
8 Indus Ind Bank Ltd.
9 Jammu & Kashmir Bank Ltd.
10 Karnataka Bank Ltd.
11 Karur Vysya Bank Ltd.
12 Kotak Mahindra Bank Ltd.
13 Nainital Bank Ltd.
14 South Indian Bank
15 Tamilnad Mercantile Bank Ltd.
16 The Ratnakar Bank Ltd.
17 Yes Bank Ltd.
Regional Rural Banks(RRBs)
1 Andhra Pragathi Grameena Bank
2 Chaitanya Godavari Grameena Bank
3 Deccan Grameena Bank
4 Saptagiri Grameena Bank
5 Bihar Gramin Bank
6 Madhya Bihar Gramin Bank
7 Uttar Bihar Gramin Bank
8 Baroda Gujarat Gramin Bank
9 Dena Gujarat Gramin Bank
10 Saurashtra Gramin Bank
11 Kaveri Grameena Bank
12 Karnataka Vikas Grameena Bank
13 Pragathi Krishna Gramin Bank
14 Kerala Gramin Bank.
15 Maharashtra Gramin Bank
16 Meghalaya Rural Bank
17 Puduvai Bharathiar Grama Bank
18 Malwa Gramin Bank
19 Punjab Gramin Bank
20 Sutlej Gramin Bank
21 Marudhara Gramin Bank
22 Pallavan Grama Bank.
23 Pandyan Grama Bank
24 Tripura Gramin Bank
25 Baroda Uttar Pradesh Gramin Bank
26 Prathama Gramin Bank
27 Sarva UP Gramin Bank
28 Narmada Jhabua Gramin Bank
29 Sarva Haryana Gramin Bank
30 Kaveri Grameena Bank
31 Baroda Rajasthan Kshetriya Gramin Bank
1 Gujarat State Co-op Bank Ltd
2 Mehsana Urban Co-op Bank
3 Rajkot Nagarik Sahhakari Bank
4 Kalupur Commercial Co-op Bank
Check You Are Eligible for MUDRA Loan or Not. If Bank are not accepting your request. You can apply online via online Mudra Loan Application form. We will Send Your Request to Concern Bank Authority.
Please check below MUDRA Loan Application Form & Do not pay anything for MUDRA Loan.
If someone is demanding bribe or something for mudra loan. You can register your complaint @ JANPAKSH
कृपया आपसे अनुरोध हैं की आप जांच ले कि आप मुद्रा ऋण के लिए उपयुक्त हैं या नहीं| यदि बैंक और वित्तीय संस्थाये आपके मुद्रा ऋण निवेदन को स्वीकार नहीं कर रहा हैं तो आप इस वेबसाइट के द्वारा मुद्रा ऋण के लिए आवेदन कर सकते हैं| हम आपके अनुरोध को बैंक के उच्चाधिकारियों को पहुचा देंगे| यह सभी सुविधा निशुल्क हैं और इसके लिए किसी भी प्रकार का पैसो का लेन ना करे|
अगर कोई व्यक्ति आपसे मुद्रा ऋण करवाने के लिए पैसे मांगता हैं तो आप बैंक उच्चाधिकारियों को भी सूचित कर सकते हैं|
मुद्रा बैंक के लोन का ऑनलाइन आवेदन पत्र नीचे दिया गया हैं| कृपया अच्छी तरह देखभाल कर ही ऑनलाइन ऋण आवेदन पत्र भरे |