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Tuesday, December 20, 2022

Pradhan Mantri Mudra Yojana Eligibility Criteria And Other Information

 પ્રધાનમંત્રી મુદ્રા યોજના | Pradhan Mantri Mudra Yojana Eligibility Criteria And Other Information

Pradhan Mantri Mudra Yojana : પ્રધાનમંત્રી મુદ્રા યોજના (પીએમએમવાય) બિન કૉર્પોરેટ, બિન કૃષિ, લઘુ/સુક્ષ્મ ઉદ્યમો માટે  10 લાખ સુધીની લોનની સુવિધા આપે છે. ભારતના યુવાધનને તથા કાર્યરત નાના ઉદ્યોગોને પ્રોત્સાહન આપવાના હેતુથી શરૂ કરાયેલી મુદ્રા બેંકનું પૂરું નામ છે, માઈક્રો યુનિટ્સ ડેવલપમેન્ટ એન્ડ રીફાઈનાન્સ એજન્સી (Mudra). જે પ્રધાન મંત્રી મુદ્રા યોજના અંતર્ગત શરૂ કરવામાં આવી છે

Pradhan Mantri Mudra Yojana Micro Units Development and Refinance Agency Ltd. [MUDRA] is an NBFC supporting development of micro enterprise sector in the country. MUDRA provides refinance support to Banks / MFIs for lending to micro units having loan requirement upto 10 lakh. MUDRA provides refinance to micro business under the Scheme of Pradhan Mantri MUDRA Yojana. 

The other products are for development support to the sector. The bouquet of offerings of MUDRA is depicted below. The offerings are being targeted across the spectrum of beneficiary segments. Pradhan Mantri Mudra Yojana

અત્યારે આ યોજના અંતર્ગત જમીન, પરિવહન, સામુદાયિક, સામાજિક તથા વ્યક્તિગત સેવાઓ, ખાદ્ય ઉત્પાદન, ટેક્સટાઈલ જેવાં ક્ષેત્રોને જ સમાવવામાં આવ્યાં છે, આગળ જતાં હજુ આમાં બીજાં અનેક નવાં ક્ષેત્રોને સાંકળવામાં આવશે, જેના કારણે નવા ઉદ્યોગોને ખૂબ જ ઊજળી તકો છે. નાના વેપારીઓ, વ્યવસાયકારીઓ આ યોજનાનો લાભ લઈને સફળતાનાં શિખરો સર કરશે.

મુદ્રા યોજના થકી વર્ષ ૨૦૧૫-૧૬ માં ૩.૩૨ કરોડ ગરીબ લોકોને લાભ મળ્યો છે. ચાલુ વર્ષમાં અમે આ યોજના માટેનું બજેટ ડબલ કરવાના છીએ. મુદ્રા યોજનાનો લાભ લેનારા લોકોમાં સૌથી વધુ મહિલાઓ, દલિતો અને અલ્પસંખ્યક સમાજના લોકો છે.

Eligibility Criteria: Pradhan Mantri Mudra Yojana

ELIGIBILITY CRITERIA FOR PARTNER INSTITUTIONS

Micro Units Development and Refinance Agency (MUDRA) has adopted the eligibility norms in respect of various category of Banks for the partner lending institutions for the purpose of availing refinance to micro units in manufacturing, trading and service sector in rural and urban areas.


I. SCHEDULED COMMERCIAL BANKS

A. Public Sector Banks

 Should have earned profit during the last 2 years failing which minimum external rating of long term instruments not below A-(minus) from accredited credit rating agencies.


 Level of Net NPAs not exceeding 15%.


 CRAR as stipulated by RBI from time to time.


 Net worth above Rs.250 crore.


assessment rating as indicated below :


Mfr-4 (equivalent to CRISIL) for TN, Kerala, Karnataka andPuducherry


Mfr-4 (equivalent to CRISIL) for Tier-I and Tier-II MFIs and Mfr-5 for the Tier-III


MFIs in other remaining states.


 Should have suitable systems, processes and procedures such as internal accounting, risk management, internal audit, MIS, cash management etc.


 Should target own account enterprises within micro units category i.e. business run by the owner.


 Meeting the minimum CRAR and other norms stipulated by RBI for MFIs registered as NBFC-MFIs and comply all the prevailing RBI guidelines, including pricing etc.

Three years profitable track record, Recovery performance not less than 90%, Portfolio at Risk > 90 days below 5% (relaxable upto 7% on case to case basis) for MFIs.


Should be a member of credit bureaus as per RBI policy.


 Has a minimum term loan/refinance requirement of Rs.0.50 crore.


 Targets the poor, especially women and is secular.


 Has audited financial statements (in case of NGO with microfinance as a programme, the NGO should have separate audited financial statements for the MFI programme) and


 For NBFCs or any other MFI set up for/by taking over the existing MF operations of another entity, track record of the earlier entity can be considered for existence, past ratings etc., guidelines relating to value of FDRs to be placed as security etc. subject to continuity of promoters/senior management/transfer of major (> 60%) part of the MF operations of the earlier entity.


 MUDRA’s loan to be on lent by MFIs for use by borrowers in; setting up/running nonfarm income generating activities and micro/small enterprises including trading activities/services.

III. NON BANKING FINANCE COMPANIES (NBFCs) Pradhan Mantri Mudra Yojana

A. Larger NBFCs i.e. Assets size > Rs.500 crore

 The NBFC should be registered with RBI as Asset Finance Company (AFC) or Loan Company. In respect of NBFC-Loan Company, a CA certificate that if the loan is given for income generating activities, 60% of the income comes from productive assets should be furnished. Two Tier NBFCs extending loan / resource support to MFIs (both NBFC-MFIs and non-NBFC MFIs complying with RBI norms for NBFCMFIs or priority sector status) for on lending to ultimate borrowers would also be considered


 NBFC should have been in business for 5 years and should have earned Net Profit for last 3 years. In case of the NBFCs financing second hand vehicles, the NBFC needs to have experience of 3 years in the activity and also have recorded profit during the period.


 Minimum Net Owned Fund of Rs.20 crore and Minimum Asset size of Rs.500 crore.


 CRAR-Minimum 15%.


 Minimum Gross NPA & Net NPA would be based on rating of agency.


 External rating range of BBB+ and above.


B. SMALLER NBFCs i.e. Asset size less than Rs.500 crore Pradhan Mantri Mudra Yojana

 The NBFC should be registered with RBI as Asset Finance Company (AFC) or Loan Company. In respect of NBFC-Loan Company, a CA certificate that if the loan is given for income generating activities, 60% of the income comes from productive assets should be furnished. Two Tier NBFCs extending loan / resource support to MFIs (both NBFC-MFIs and non-NBFC MFIs complying with RBI norms for NBFC-MFIs or priority sector status) for on lending to ultimate borrowers would also be considered


 Should have been in business for 5 years and earned Net profit for last 3 years. In case of the NBFCs financing second hand vehicles, the NBFC needs to have experience of 3 years in the activity and also have recorded profit during the period. Preference may be given to NBFCs enjoying well conducted credit facilities from Scheduled Commercial Banks.


 Minimum Net Owned Fund of Rs.15 crore and Minimum Asset size of Rs.25 crore.


The NBFC normally has done lending business of at least Rs.20 crore during the immediately preceding financial year.


 CRAR-Minimum 15%.


 Minimum Gross NPA & Net NPA would be based on rating of agency.


 External rating range of BB- and above.


Fiscal Incentives: Pradhan Mantri Mudra Yojana

To signify 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 to look forward to, MUDRA offers incentives through these interventions:

 Shishu : covering loans upto  50,000/-


 Kishor : covering loans above  50,000/- and upto  5 lakh


 Tarun : covering loans above  5 lakh and upto  10 lakh


Generally, loans upto  10 lakh issued by banks under Micro Small Enterprises is given without collaterals. Pradhan Mantri Mudra Yojana

Objective Of The Scheme: Pradhan Mantri Mudra Yojana

Mudra loan is extended for a variety of purposes which provide income generation and employment creation. The loans are extended mainly for :

Business loan for Vendors, Traders, Shopkeepers and other Service Sector activities


Working capital loan through MUDRA Cards


Equipment Finance for Micro Units


Transport Vehicle loans

Important Links: Pradhan Mantri Mudra Yojana

Read In Gujarati


Read In Hindi


For More Information Click Here


Mudra Loan Form Kit [PDF] Pradhan Mantri Mudra Yojana

Common Loan Application Form For Kishor And Tarun  [PDF File]


Application Form For Shishu [JPG File]


Check List For Shishu Application[JPG File]


Banker’s Kit:  Pradhan Mantri Mudra Yojana

Application form for Claiming Refinance [Docx File] Pradhan Mantri Mudra Yojana


Data Submission for Claiming Refinance [Docx File] Pradhan Mantri Mudra Yojana

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