{"id":14495,"date":"2021-01-14T06:54:00","date_gmt":"2021-01-14T06:54:00","guid":{"rendered":"https:\/\/tata-blog.osian.dev\/blog\/?p=14495"},"modified":"2024-12-06T16:13:09","modified_gmt":"2024-12-06T10:43:09","slug":"what-is-the-pmmy-scheme","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-business\/what-is-the-pmmy-scheme\/","title":{"rendered":"What is the PMMY Scheme?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Micro, small and medium enterprises (MSMEs) contribute around 30% to India\u2019s GDP and make about 1\/3rd of the country\u2019s aggregate manufacturing output. At the same time, they employ around 110 million people in the country.<\/p>\n\n\n\n<p>In a country as vast as India, MSMEs are the backbone of the economy. They need strong assistance if the country has to compete with other global economic giants like the USA, China, and Japan. To help establish and grow more MSMEs in the country, the government has launched several schemes, and one such scheme is&nbsp;Pradhan Mantri MUDRA Yojana.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pradhan Mantri MUDRA Yojana explained<\/strong><\/h2>\n\n\n\n<p>The&nbsp;Pradhan Mantri MUDRA Yojana&nbsp;(PMMY) provides loans of up to Rs. 10 lakhs for micro and small enterprises belonging to non-corporate and non-farming backgrounds. It was launched on April 8th, 2015 by the Prime Minister of India, Shri Narendra Modi.<\/p>\n\n\n\n<p>Mudra loans extend to organisations that create employment and income in agriculturally allied activities, manufacturing, services, and retail industries.&nbsp;<\/p>\n\n\n\n<p>Think of the PMMY scheme as a refinancing institution that offers&nbsp;<a href=\"https:\/\/tata-blog.osian.dev\/business-loan.html\">business loans<\/a>&nbsp;through commercial banks and Non-Banking Finance Corporations (NBFCs). It eliminates agents or middle-men as applications are welcome through online or direct approaches.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Purpose of Pradhan Mantri MUDRA Yojana<\/strong><\/h2>\n\n\n\n<p>MSMEs can avail of MUDRA loans to fund various operational and capital expenses. Here are handful purposes for you one can avail&nbsp;PM MUDRA loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finance purchase of equipment for small business units through equipment loans<\/li>\n\n\n\n<li>Working capital loans to fund day-to-day operations<\/li>\n\n\n\n<li>Business loans for vendors, shopkeepers and traders<\/li>\n\n\n\n<li>Vehicle loans to finance the purchase of vehicles like tractors, tillers, and also two-wheelers<\/li>\n\n\n\n<li>Fund Agri-allied non-farm activities like pisciculture, poultry, and bee-keeping<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Economic activities eligible for loan under Pradhan Mantri MUDRA Yojana<\/strong><\/h2>\n\n\n\n<p>The MUDRA Yojana covers the following activities under its different provisions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Business \u2013<\/strong>&nbsp;construction, security services, stationery, and flask trading<\/li>\n\n\n\n<li><strong>Manufacturing \u2013<\/strong>&nbsp;dye-casting and moulds, steel products workshop, match sticks making, auto components, and diagnostic kits<\/li>\n\n\n\n<li><strong>Entertainment \u2013<\/strong>&nbsp;cable tv operating and networking services<\/li>\n\n\n\n<li><strong>Dairy and animal \u2013<\/strong>&nbsp;dairy products, grocery stores, and animal feed<\/li>\n\n\n\n<li><strong>Fitness and grooming \u2013<\/strong>&nbsp;salon<\/li>\n\n\n\n<li><strong>Food \u2013<\/strong>&nbsp;bakery, betel nut store, spices and flour mill<\/li>\n\n\n\n<li><strong>Garments \u2013<\/strong>&nbsp;ready-made garment business and store, cloth stitching, and boutique<\/li>\n\n\n\n<li><strong>Home furnishing<\/strong><\/li>\n\n\n\n<li><strong>Transportation \u2013<\/strong>&nbsp;transportation of milk and drinking water, pedal rickshaw&nbsp;<\/li>\n\n\n\n<li><strong>Repairing \u2013<\/strong>&nbsp;cycle and mobile repair shops<\/li>\n\n\n\n<li><strong>Shops \u2013<\/strong>&nbsp;Kirana store, mobile and accessories, confectionary shop, and fancy store<\/li>\n<\/ul>\n\n\n\n<p>Now let us go over some types of loans available under the Pradhan Mantri MUDRA Yojana.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Types of loans available under the PMMY scheme<\/strong><\/h2>\n\n\n\n<p>There are three loan products offered under the PMMY signify the growing levels and needs of an enterprise. Here is a comparison table of the products under the aegis of PMMY:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Sr no.<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Loan name<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Loan amount<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">Shishu<\/td><td class=\"has-text-align-center\" data-align=\"center\">For loan amounts up to Rs. 50,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">Kishore<\/td><td class=\"has-text-align-center\" data-align=\"center\">For loan amounts between Rs. 50, 000 to Rs. 5 lakhs<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tarun<\/td><td class=\"has-text-align-center\" data-align=\"center\">For loan amounts between Rs. 5 lakhs to Rs. 10 lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Through this scheme, the government also envisions the integration of financial and support services providers. Based on business loan eligibility<strong>,<\/strong>&nbsp;the PMMY guides economic and social development. The mission is \u201cTo create an inclusive, sustainable and value-based entrepreneurial culture, in collaboration with partner institutions in achieving economic success and financial security\u201d.<\/p>\n\n\n\n<p><strong>Additional Read:<\/strong>&nbsp;<a href=\"https:\/\/tata-blog.osian.dev\/blog\/business-loan\/new-business-loan-schemes-for-smes\/\">New Business Loan Schemes for SMEs<\/a><\/p>\n\n\n\n<p>Within the framework and overall objective of growth and development of micro-enterprises under Kishore, Shishu, and Tarun, this scheme extends funding support that meets the requirements of MSME operating in different sector and segments in the nation, which are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Micro credit scheme<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Micro-credit scheme (MCS) is a loan scheme, particularly for micro-enterprise activities. MCS loans under&nbsp;the PMMY scheme&nbsp;are offered through Micro Finance Institutions (MFIs), which provide loans of up to Rs. 1 lakh.&nbsp;The scheme aims to assist individual entrepreneurs involved in specific micro enterprise\/small business income-generating activities.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li><strong>Refinance scheme for banks\/NBFCs<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Through this sub-scheme under PM MUDRA loanscheme, commercial and regional lending institutions and NBFCs can lend a working capital of Rs. 10 lakhs for refinancing purposes to every applicant. The financing institutions may also extend a lower<a href=\"https:\/\/tata-blog.osian.dev\/business-loan\/rates-and-charges.html\">\u00a0business loan interest rate <\/a>and other benefits to encourage women entrepreneurs.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\">\n<li><strong>Future direction<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Working closely with credit bureaus and rating agencies, authorities behind the PMMY understand that besides credit constraints, NCSBs (Non-Corporate Small Business) face many challenges like a shortage of capital to hire human and data resources. Plans to adopt a credit-plus approach are underway. The government will intervene as market makers build an ecosystem filled with capacities for efficiency and sustainability.&nbsp;<\/p>\n\n\n\n<p><strong>Additional Read:<\/strong>&nbsp;<a href=\"https:\/\/tata-blog.osian.dev\/blog\/business-loan\/best-way-to-get-an-msme-business-loan\/\">Best Way to Get an MSME Business Loan<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>MUDRA Card<\/strong><\/h2>\n\n\n\n<p>Beneficiaries of&nbsp;PM MUDRA loan yojana&nbsp;do get easy business loans but adding to the convenience, they also get a debit card, called a MUDRA card, against their MUDRA loan account. It is important to note that you can only use this debit card to withdraw the working capital part of the loan.&nbsp;<\/p>\n\n\n\n<p>MUDRA card digitises all MUDRA transactions so business owners can easily access their withdrawal or payment history. You can use a MUDRA debit card to withdraw cash from ATMs and make payments using \u201cpoint of sale\u201d machines anywhere in the country.&nbsp;&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Final thoughts<\/strong><\/h3>\n\n\n\n<p>For any MSME sector, it is wise to apply for loans in times of mishaps as that is when hiccups in financial assistance brutally hit operations.<\/p>\n\n\n\n<p>To fasten your business prospects, choose business finance at Tata Capital. Our flexible loan terms, competitive interest rates, speedy online application process, flexible repayment options along with minimal paperwork are all you need to scale up.<\/p>\n\n\n\n<p>Before reaching out to us with your loan application, you can also use our&nbsp;<a href=\"https:\/\/tata-blog.osian.dev\/business-loan\/business-loan-emi-calculator.html\">business loan EMI calculator<\/a>&nbsp;to accurately figure out your monthly instalment. To know more, get in touch with us today!<\/p>\n\n\n\n<div class=\"wp-block-group alignwide\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tata-blog.osian.dev\/business-loan\/how-to-apply-for-business-loan.html\">Apply For Business Loan Now<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Pradhan Mantri MUDRA Yojana (PMMY) provides loans of up to Rs. 10 lakhs for micro and small enterprises belonging to non-corporate and non-farming backgrounds. <\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/business-loan\/what-is-the-pmmy-scheme\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":14496,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-14495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is The PMMY Scheme? 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