How to apply MUDRA LOAN in telugu || SBI E-Mudra/PM SVANidhi Loan || KGN TECHNICAL
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~Eligibility Criteria~
To avail Mudra mortgage from SBI, you will need to meet the next eligibility standards:
Must have maintained SBI’s present or financial savings account for a minimum of 6 months .
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How to Apply for SBI e-Mudra Loan?
Existing clients sharing relationships with SBI in the type of Savings Account or Current Account (Individual) can apply for an e-MUDRA mortgage of quantity 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 web site and click on on ‘Proceed’.
Step 3: Provide the required particulars just like the applicant’s Aadhar card for e-KYC functions by means of UIDAI, because the e-KYC and e-sign want to be accomplished by means of OTP authentication for mortgage processing and disbursement.
Step 4: Once the SBI formalities and mortgage course of is accomplished, the applicant shall obtain an SMS that may state to provoke the additional course of by revisiting the e-MUDRA portal.
Step 5: This course of wants to be accomplished inside 30 days after the receipt of the SMS of mortgage sanction.
SBI e-MUDRA Loan Features & Eligibility
Features
The most mortgage quantity supplied is Rs. 1 lakh
The most reimbursement interval is up to 5 years
Instant mortgage availability of Rs. 50,000 as per financial institution’s discretion
For mortgage quantity above Rs. 50,000, an applicant wants to go to SBI’ nearest financial institution department for mortgage formalities
Eligibility Criteria
To avail Mudra mortgage from SBI, you will need to meet the next eligibility standards:
Must have maintained SBI’s present or financial savings account for a minimum of 6 months
Documents required for SBI e-Mudra Loan
To apply for a Mudra mortgage from SBI, you might be required to submit the next paperwork, together with the mortgage software kind:
✓ Duly stuffed software kind with passport-sized pictures
✓ KYC paperwork of the applicant: Passport, Voter’s ID card, Aadhar Card, Driving License, PAN card
✓ Details of Savings/Current Account quantity and department
✓ Proof of Business (Name, Start date & Address)
✓ UIDAI- Aadhar Number (needs to be up to date in A/c Number)
✓ Community particulars (General/ SC/ ST/ OBC/ Minority)
✓ Other data for importing like GSTN & UDYOG Aadhar
✓ Proof of Shop & Establishment and enterprise registration
✓ Any different doc required by SBI
SBI Mudra Loan Eligibility
✓ Applicant have to be engaged in a non-farm income-generating exercise, both in manufacturing or in the companies sector
✓ The applicant needs to be residing on the similar location for a minimum of 2 years
MUDRA Yojana Loan Amount
ClassLoan 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 objective, capability growth, modernization
✓ Target Group : Business Enterprises in Manufacturing, Trading and Services sector together with allied agricultural actions.
✓ Quantum of mortgage (Min/Max)
Maximum mortgage quantity : 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 together with a moratorium of upto 6 months relying on the exercise/ revenue technology.
Review of WC/TL to be performed yearly.
✓ Processing Fee
Nil for Shishu and Kishore to MSE Units
For Tarun: 0.50%(plus relevant tax) of Loan quantity
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