SBI E Mudra Loan Apply Online 2022 | एसबीआई ई-मुद्रा लोन 2022

SBI E Mudra Loan Apply Online 2022 | एसबीआई ई-मुद्रा लोन 2022Under the guidance of Micro Units Development and Refinance Agency (MUDRA), the State Bank of India (SBI) is offering loans to individuals and Micro, Small and Medium (MSME), referred to as Mudra Loans. Under this funding support of up to Rs 10 lakh is provided to individuals, small and medium-sized enterprises. SBI E Mudra Loan is offered at the competitive rate of interest with nil or low processing fees as well as flexible EMI facilities.

The SBI also offers another scheme called the Pradhan Mantri Mudra Yojana (PMMY) which was launched by PM Narendra Modi on April 8, 2015. The PMMY is an unsecured loan that provides funding for business purposes, expansion purposes, company formation or branch upgrading.

SBI E Mudra Loan Apply Online 2022

In order to support deserving borrowers based on the eligibility criteria, MUDRA has registered 27 public sector banks, 17 private sector banks, 27 rural banks, and 25 MFIs as partner institutions. 

एसबीआई ई-मुद्रा लोन 2022

एसबीआई ई-मुद्रा लोन 2022 ऑनलाइन फॉर्म, पीएम ई-मुद्रा योजना ब्याज दर, पात्रता जांच लागू करें: भारतीय स्टेट बैंक (SBI) ने पीएम मुद्रा योजना के तहत एसबीआई ई-मुद्रा (SBI E Mudra Loan) के साथ शुरुआत की. स्टार्टअप्स और SMEs को फाइनेंस की सुविधा देने के लिए इस साल से SBI E Mudra Loan की शुरुआत की गई है. इसलिए यदि आप SBI E Mudra Loan प्राप्त करना चाहते हैं तो आपको sbi.co.in पर जाना होगा और फिर SBI E Mudra Online Application Form 2022 भरना होगा. SBI E Mudra Loan Apply Online नीचे दिए गए चरणों की सहायता से बहुत आसान है. अंत में, नीचे दिए गए सेक्शन को देखें जिसमें एसबीआई ई-मुद्रा लोन पात्रता पर चर्चा की गई है.

एसबीआई ई-मुद्रा लोन 2022 के लिए ऑनलाइन आवेदन करें

जैसा कि हम जानते हैं, भारत सरकार ने लघु उद्योगों और एसएमई की मदद के लिए इस योजना की शुरुआत की थी. इसलिए SBI और भारत सरकार SBI E Mudra Loan 2022 Apply Online या PM Mudra Yojana लेकर आए है. जोकि MSME और अन्य स्टार्टअप को लोन प्राप्त करने की अनुमति देता है. यह योजना आपको अपने मौजूदा या नए व्यवसाय के संचालन या विस्तार के लिए क्रेडिट प्राप्त करने की अनुमति देती है. अगर आप ट्रेड सर्विसेज में बिजनेस कर रहे हैं तो आपको इसका फायदा जरूर उठाना चाहिए.

आपकी सहायता के लिए 50,000 रुपये से 10,00,000/- तक के लोन उपलब्ध हैं. इसके अलावा आप एसबीआई ई-मुद्रा योजना 2022 के लिए एसबीआई बैंक की आधिकारिक वेबसाइट @sbi.co.in के माध्यम से ऑनलाइन आवेदन कर सकते हैं. एसबीआई ई-मुद्रा लोन पात्रता और एसबीआई ई-मुद्रा लोन 2022 ब्याज दर के लाभों के बारे में पूरी जानकारी नीचे देखें. एमएसएमई के लिए एसबीआई ई-मुद्रा लोन के अलग-अलग पात्रता और स्वीकृति राशि के साथ शिशु, किशोर और तरुण 3 प्रकार के होते हैं.

SBI E Mudra Loan: Overview

Interest Rate 9.75% onwards
Loan Amount Up to Rs. 10 lakh
Eligibility Criteria Existing and New Units
Processing Fee & Charges Nil for Shishu and Kishor to MSE Units

For Tarun: 0.50%of the loan amount + taxes

Pre-payment Charges Between 3 – 5 years (moratorium of up to 6 months) depending on the activity/income generation
Margin Up to Rs. 50,000 Nil and From Rs. 50,001 to Rs. 10 lakh is 10%
Residence Status Residing in the same society for the last two years
Collateral Security Nil
Nationality Indian

Characteristics of SBI E Mudra Loan

SBI E Mudra Loan is categorized into three:

  • Shishu- Loan up to Rs 50000 with a minimum interest rate of 1% per month or 12% per year.
  • Kishore: Loan amount of Rs 50,001 to Rs 5 lakhs. The repayment period should not exceed 5 years and the interest rate depends on the applicant’s credit history.
  • Tarun: Loan amount from Rs 5 lakhs to Rs 10 lakhs. Interest rate and repayment schedule same as that of the Kishore plan.

The loans provided under Mudra Program come under the Credit Guarantee Fund for Micro Units and is provided by the National Credit Guarantee Trustee Company (NCGTC). Hence, there is no requirement of any collateral.

Borrowers are provided with RUPAY debit cards named ‘MUDRA cards’ for cash withdrawals and Point of Sale transactions.

Limit Shishu Kishor Tarun
Daily Cash Withdrawal Limits 10,000 15,000 20,000
Daily POS Limit 15,000 25,000 30,000
SBI E Mudra Loan
SBI E Mudra Loan

Eligibility of SBI E Mudra Loan

  • Applicant must be engaged in non-farming income generating activity. Eg: manufacturing or service sector.
  • Applicant should have a permanent address for a minimum of 2 years
  • Must have a maintained SBI account for a minimum of 6 months.
  • Startup Applicants must provide viable business models describing the profitability of the model.
  • Prior established business applicants can avail the e-services for business expansion or modernization of machinery, meet working capital needs, paying rent and other purposes.
  • The applicant should be minimum 18-year-old and the maximum age is capped at 60.

How to apply for SBI E Mudra Loan?

Applicants can avail instant loans of up to Rs 50000 with online application. For loan amounts of more than Rs  50000, applicants have to visit a nearby SBI branch.

  • Visit SBI Mudra portal.
  • Click continue on the home page.
  • Enter mobile number, SBI account number, and amount of credit requested.
  • Click Continue
  • Fill in the relevant information in the application form.
  • Download relevant documents.
  • Accept terms and conditions with e-sign.
  • Enter your Aadhaar number.
  • Check the consent box.
  • Fill in and verify the OTP sent to your registered mobile number with Aadhar.
  • Enter OTP and complete the request.

Documents Required

  • Filled application form with passport size photographs.
  • Proof of residence: recent electric or phone bill, tax receipt
  • Bank Statement
  • Tax declaration
  • Proof of business
  • ID proof: ID card, PAN card, Aadhar card.
  • Income proof
  • Caste and community certificate if eligible.

SBI E Mudra Loan FAQs

How to Apply for SBI Mudra Loan?
SBI E-Mudra loan will be given by the government and will be able to take it only from government banks, in which banks like SBI are prominent. To take advantage of SBI Mudra Loan Scheme, citizens have to apply online by visiting the official website. State Bank of India – Sab Mudra Loan Subsidy Scheme Application Form PDF download link is given below.

What is SBI E Mudra Loan?
State Bank of India is now providing the facility of giving loan amount up to Rs. SBI will provide the facility of giving loan amount to all the citizens of the country who are doing small business.

What are the documents required for Mudra loan?
proof of address
Utility bills (electricity, telephone, water, gas, post-paid mobile phones, property tax)
Aadhar Card
Passport
voter id card
Bank passbook or latest bank account statement attested by officials
Domicile certificate or certificate issued by a local government body (municipality, village panchayat, etc.)

What is the interest rate in Pradhan Mantri Mudra Yojana?
No guarantor is required to apply for loan under PM Shishu Mudra Loan Scheme. Interest rate under this scheme is 9 to 12 percent per annum.

Which bank gives Mudra loan?
State Bank of India (SBI) Mudra loans are loans which are given by banks under the guidance of Micro-Units Development and Refinance Agency (MUDRA) to Micro, Small and Medium Enterprises (MSMEs) i.e. small and medium businesses.

How to get PM Mudra Loan? or How to take PMMY loan?
For loan under Mudra Yojana (PMMY), you have to apply in a government or bank branch. If you want to start your own business, then you will have to provide many other documents including house ownership or rental documents, work related information, Aadhar, PAN number.

In how many days the Mudra loan is passed?
In how many days can I get Mudra loan? The process of getting Mudra loan is completed in one to two weeks.

The PMMY program is a very helpful scheme for people in micro-business to access funds. Entrepreneurs are eligible for loans under this programme at an affordable interest rate.

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