भारतीय स्टेट बैंक (SBI) PM मुद्रा ऋण योजना
ऋण प्रदाता बैंक / संस्था: State Bank of India (SBI)
Up to ₹10 Lakh MSME credit at 8.50% – 10.50% with Up to 5 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
SBI's operationalization of PMMY providing collateral-free micro credit across Shishu, Kishore, and Tarun categories.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Zero collateral; instant e-Mudra digital sanction up to ₹1 Lakh via SBI YONO; MUDRA debit card issued.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Micro-business operators and self-employed individuals with viable commercial activity.
जमानत / कोलेटरल आवश्यकता (Collateral)
Overdue or defaulted accounts across any financial institution strictly barred.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Overdue or defaulted accounts across any financial institution strictly barred.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://sbi.co.in/web/business/sme/sme-loans/pradhan-mantri-mudra-yojana with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for SBI PM MUDRA Loan Scheme?
Borrowers can avail Up to ₹10 Lakh with a repayment tenure of Up to 5 years.
What are the processing charges and collateral terms for SBI PM MUDRA Loan Scheme?
The processing fee is Nil for Shishu; 0.50% for Kishore & Tarun. Collateral terms: Overdue or defaulted accounts across any financial institution strictly barred.
What are the eligibility criteria for SBI PM MUDRA Loan Scheme?
Micro-business operators and self-employed individuals with viable commercial activity. Minimum business vintage required is 0 year(s).
How can an applicant apply for SBI PM MUDRA Loan Scheme?
Apply online at https://sbi.co.in/web/business/sme/sme-loans/pradhan-mantri-mudra-yojana or visit nearest branch with KYC, Udyam registration, and bank statements.