पीएमईजीपी द्वितीय उन्नयन ऋण (₹1 करोड़ तक)
ऋण प्रदाता बैंक / संस्था: Ministry of Micro, Small and Medium Enterprises
Second loan up to ₹1 Crore for scaling existing PMEGP units with 15% government capital subsidy.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Expansion and technology upgradation financing for successfully operating PMEGP and MUDRA units that have fully repaid their first loan and demonstrated profitable growth.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Up to ₹1 Crore loan for manufacturing units with 15% government subsidy (₹15 Lakh); up to ₹25 Lakh for service units (₹3.75 Lakh subsidy); technology modernization.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Existing PMEGP/REGP/MUDRA units with full repayment of first loan, profit-making for last 3 years, and valid Udyam registration.
जमानत / कोलेटरल आवश्यकता (Collateral)
Covered under CGTMSE or hypothecation of modernized plant and equipment
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans
📂आवश्यक दस्तावेज (Required Documents)
First loan completion certificate from lending bank, 3 years audited balance sheets and ITRs, DPR for technological upgradation, Udyam registration.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Restricted strictly to existing PMEGP/MUDRA/REGP units that have fully repaid their previous loan and remained profitable for the preceding 3 consecutive financial years.
🚀आवेदन के चरण (How to Apply)
Apply online at PMEGP portal submitting 1st loan closure certificate.
Submit upgradation DPR on PMEGP 2nd loan online module at kviconline.gov.in.
Visit financing bank branch with 3 years audited financials and modernization quotation.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan under PMEGP 2nd loan for manufacturing?
Manufacturing units can avail up to ₹1.00 Crore project cost with 15% subsidy (maximum ₹15 Lakh).
Can service sector units apply for 2nd loan?
Yes, existing service units can avail up to ₹25 Lakh with 15% subsidy (maximum ₹3.75 Lakh).
What is the subsidy rate for North East and Hill regions?
Borrowers in NER, Jammu & Kashmir, Ladakh, and notified hilly regions receive a higher 20% subsidy.
How many years of profit track record are mandatory?
The enterprise must have generated net profit in the last 3 consecutive audited financial years.