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Mudra Loan EMI Calculator
  • Loan Amount:

    10000
    1000000
    500000
  • Rate of Interest(%):

    5%
    15%
    8
  • Loan Terms:

    12
    60
    36
  • Equated Monthly Installment (EMI) will be

    ₹49,209

प्रधानमंत्री मुद्रा योजना

प्रधानमंत्री मुद्रा योजना या पीएमएमवाई भारत सरकार की सूक्ष्म और लघु उद्यमियों को वहन योग्य शर्तों पर ऋण देने की प्रमुख योजना है.


मुद्रा ऋणों को, उद्यमों को औपचारिक वित्तीय प्रणाली में लाने के लिए या “फंड दी अनफंडेड” के लिए बनाया गया है. पीएमएमवाई योजना के अंतर्गत विनिर्माण, व्यापार एवं सेवाओं के माध्यम से आय सृजन में लगे गैर-कृषि, सूक्ष्म या लघु उद्यमों के लिए ऋण प्राप्त होते उपलब्ध है. कृषि संबंधी गतिविधियों में शामिल उद्यम भी मुद्रा ऋण के लिए आवेदन कर सकते हैं.


बैंक ऑफ़ बड़ौदा में प्रधानमंत्री मुद्रा योजना के अंतर्गत मुद्रा ऋण (शिशु, किशोर और तरुण) प्रदान किया है. आज ही मुद्रा ऋण के लिए आवेदन करें और अपने व्यवसाय को बढ़ाएं.

  • Benefits
  • Features
  • Eligibility
  • Interest rates & charges
  • Documentation
  • Terms & Conditions

There are three types of Mudra loans depending on the loan amount:

  • Shishu: Loans sanctioned under the PMMY scheme up to Rs. 50,000
  • Kishore: Loans sanctioned under the PMMY scheme from Rs. 50,001 up to Rs.5 Lakhs
  • Tarun: Loans sanctioned under the PMMY scheme Rs. 5,00,001 up to Rs. 10 Lakhs
  • While there is no minimum loan amount under the Mudra loan scheme, the maximum loan amount that can be taken under the PMMY is Rs. 10 Lakhs.
  • Borrowers don’t need to pay processing charges or offer collateral if they avail a Mudra loan.
  • As per the PMMY scheme, the Mudra loan can not only be offered to enterprises in the non-farm sector but also can include those engaged in allied agricultural activities, such as horticulture and fisheries.
  • The interest rate on Mudra loans is determined by the marginal cost of lending rate or MCLR, which is calculated according to the RBI guidelines.
  • All non-farm enterprises
  • Under micro enterprises and small enterprises segment
  • Engaged in income generating activities
  • Engaged in manufacturing, trading and services
  • Whose credit needs are up to Rs. 10 lakhs
  • Now allied agriculture activities have also been included under PMMY scheme w.e.f. 01/04/2016.

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Not available
Maximum Limit

Rs. 10 lakhs (for all categories)


Repayment Period

Maximum 60 months


Margin

Loan up to Rs. 3 lakhs

10%

Loan above Rs. 3 lakhs

15%


Bureau Score validation

Minimum bureau score cut off as per Bank’s guidelines or other banks


Age

Minimum: Borrower - 21 years, Co-applicant- 18 years

Maximum: Age of the applicant/co-applicant/guarantor + repayment period should not exceed 70 years


Security

Hypothecation of vehicle financed


Insurance

Comprehensive Insurance of the vehicle with Bank’s clause


Pre-closure charges

Nil


Credit Shield

Loan up to Rs. 3 lakhs

Not mandatory

Loan above Rs. 3 lakhs

Mandatory to obtain term life insurance or group credit life insurance. Validity of such insurance to be minimum sanctioned period with minimum sum assured equal to sanctioned amount. Borrower may obtain this insurance cover from any IRDA approved life insurance company (including our tie-up partners) and the same to be assigned in Bank's favour.


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