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How to apply MUDRA LOAN in telugu || SBI E-Mudra/PM SVANidhi Loan || KGN TECHNICAL

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~Eligibility Criteria~

To avail Mudra loan from SBI, you must meet the following eligibility criteria:

Must have maintained SBI’s current or savings account for at least 6 months .

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How to Apply for SBI e-Mudra Loan?

Existing customers sharing relationships with SBI in the form of Savings Account or Current Account (Individual) can apply for an e-MUDRA loan of amount Up to Rs. 1,00,000 by visiting the SBI e-mudra portal and following the below-mentioned steps:

Step 1: Select Pradhan Mantri Mudra Yojana Application Form from the drop-down menu.

Step 2: Visit the SBI official website https://emudra.sbi.co.in:8044/emudra and click on ‘Proceed’.

Step 3: Provide the required details like the applicant’s Aadhar card for e-KYC purposes through UIDAI, as the e-KYC and e-sign need to be completed through OTP authentication for loan processing and disbursement.

Step 4: Once the SBI formalities and loan process is completed, the applicant shall receive an SMS that will state to initiate the further process by revisiting the e-MUDRA portal.

Step 5: This process needs to be completed within 30 days after the receipt of the SMS of loan sanction.

SBI e-MUDRA Loan Features & Eligibility

Features

The maximum loan amount offered is Rs. 1 lakh

The maximum repayment period is up to 5 years

Instant loan availability of Rs. 50,000 as per bank’s discretion

For loan amount above Rs. 50,000, an applicant needs to visit SBI’ nearest bank branch for loan formalities

Eligibility Criteria

To avail Mudra loan from SBI, you must meet the following eligibility criteria:

Must have maintained SBI’s current or savings account for at least 6 months

Documents required for SBI e-Mudra Loan

To apply for a Mudra loan from SBI, you are required to submit the following documents, along with the loan application form:

✓ Duly filled application form with passport-sized photographs

✓ KYC documents of the applicant: Passport, Voter’s ID card, Aadhar Card, Driving License, PAN card

✓ Details of Savings/Current Account number and branch

✓ Proof of Business (Name, Start date & Address)

✓ UIDAI- Aadhar Number (should be updated in A/c Number)

✓ Community details (General/ SC/ ST/ OBC/ Minority)

✓ Other information for uploading like GSTN & UDYOG Aadhar

✓ Proof of Shop & Establishment and business registration

✓ Any other document required by SBI

SBI Mudra Loan Eligibility

✓ Applicant must be engaged in a non-farm income-generating activity, either in manufacturing or in the services sector

✓ The applicant should be residing at the same location for at least 2 years

MUDRA Yojana Loan Amount
CategoryLoan Amount Amount
✓ ShishuUp to Rs. 50000
✓ KishorRs. 50000 – Rs. 5 lakh
✓ TarunRs. 5 lakh – Rs. 10 lakh

Features

✓Type of Facility: Working Capital and Term Loan

✓Purpose : Business purpose, capacity expansion, modernization

✓ Target Group : Business Enterprises in Manufacturing, Trading and Services sector including allied agricultural activities.

✓ Quantum of loan (Min/Max)

Maximum loan amount : Upto Rs 10 lacs

Loans upto Rs.50,000 are categorised as SHISHU

Loans from Rs.50,001 to Rs.500,000 are categorised as KISHORE

Loans from Rs.500,001/- to Rs.10,00,000/- are categorised as TARUN

✓ Margin (%)

Upto Rs. 50,000/- Nil

Rs. 50,001 to Rs. 10 lacs: 10%

✓ Pricing :Competitive Pricing Linked to MCLR

✓ Repayment Period

WC/TL: in 3 – 5 yrs including a moratorium of upto 6 months depending on the activity/ income generation.

Review of WC/TL to be done annually.

✓ Processing Fee

Nil for Shishu and Kishore to MSE Units

For Tarun: 0.50%(plus applicable tax) of Loan amount

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