Chhote Vyapar ke Liye Top 5 Government Loan Schemes aur Avedan Prakriya 2023

Top 5 Government Loan Schemes for Small Businesses in India 2023, Application Forms: Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Business ke liye bina pramukh security ke credit suvidha pradan karta hai, jabki Pradhan Mantri Mudra Yojana (PMMY) 10 lakh tak ka bina security wala loans pradan karti hai. 

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Stand-Up India Scheme alag-alag varg ke logon aur mahilao ke bich antarrashtriya vyapar ko badhava deti hai, aur National Small Industries Corporation (NSIC) pratiyogita badhane ke liye anudan pradan karti hai. SIDBI Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-MSE) karz risk ko kam karta hai aur samay par funding ko asaan banata hai. In sarkari yojanayo ka mahatvapurna yogdan chhote vyapar ko samarthan pradan karne mein hota hai. Top 5 Government Loan Schemes for Small Businesses in India 2023, Application Forms ke bare mein poori information prapt karne ke liye is article ko ant tak dhyan se padhe.

Top 5 Government Loan Schemes for Small Businesses in India 2023

Top 5 Government Loan Schemes for Small Businesses in India 2023

Highlights – Top 5 Government Loan Schemes Application FormsA

Article About: Top 5 Government Loan Schemes for Small Businesses in India 2023, Application Forms
Topic: Top Government Loan Schemes
Year: 2023
Application form: Respective bank site
FAQs: Mentioned below

Pradhan Mantri MUDRA Yojana (PMMY)

Indian government ne Pradhan Mantri Mudra Yojana (PMMY) ko shuru kiya hai, jisse chhote vyapar, vishesh roop se micro vyapar ke kshetra mein kaam karne walo ko vittiy sahayata pradan ki jati hai. Is yojana ka uddeshya vyapar ki rozgar ki sthapna ko badhana hai. Is yojana ke tahat, bank, NBFCs, aur microfinance sangathan jaise vibhinn vittiy sansthayein 10 lakh tak ke loans pradan karti hai. 

Ye loans tin vargo mein vibhajit hai: Shishu (50,000 tak), Kishore (50,001 se 5 lakh tak), aur Tarun (5,001 se 10 lakh tak). Kyunki ye loans bina security ke hote hain, isliye karz lene wale ko kisi bhi prakar ka security ya mortgage dene ki zaroorat nahi hoti hai.

Micro and Small Businesses Credit Guarantee Fund Trust (CGTMSE)

Government ne CGTMSE credit guarantee yojana shuru ki hai jisse chhote Business ko prachalanik security ke bina vittiy suvidhaon ka prapt karne ka mauka milta hai. Is yojana mein, micro aur small businesses ke liye Loans pradan karne wali sansthao ko credit guarantee suraksha pradan ki jati hai. CGTMSE ke tahat, term loan aur working capital loan bhi shamil hai. Business ke prakar aur loans ki raashi par bharosa cover 50% se 85% tak hota hai. Isse chhote business ko ab aasan se vittiy samarthan prapt karne ka mauka milta hai, jisse unki vikas ki suvidha milti hai.

Stand-Up India Scheme

Stand-Up India Scheme mahilao aur SC/ST jaise alpsankhyak vargo mein antarrashtriya vyapar ko badhane ke uddeshya se shuru ki gayi hai. Is yojana ke tahat, pramanit businesses ko naye, greenfield business ki sthapna ke liye loans pradan kiya jata hai. Ye loan new ya chal rahe business ke liye available hote hain aur raashi 10 lakh se 1 crore tak ho sakti hai. Har yojana mein kam se kam ek SC/ST vyapari aur ek mahila vyapari shamil hone ki zaroorat hoti hai, jisse vividhata ko badhava mil sake. Is yojana ke tahat in business ko sahayata, protsahan aur prashikshan pradan kiya jata hai, taaki ye business safal ho sake.

Rashtriya Laghu Udyog Nigam (NSIC) dvara Pradan Kiye Jaane Wale Subsidy Yojanayein

NSIC chhoti business ki konkurenciyata ko badhane ke liye kai subsidy yojanayein pradan karti hai. Ye yojanayein chhoti mudyogon ki pragati ke liye arthik sahayata, marketing sahayata aur takniki madad pradan karti hain. In yojana mein, Technology Credit Programme, Performance and Credit Rating Programme, Marketing Assistance Programme, aur Raw Material Assistance Programme shamil hain. 

In yojana dvara pradan ki jane wali arthik sahayata se chhote vyapari samayojit kimaton par kacche maal prapt kar sakte hain, unhe apni market ko badhane ke liye marketing sahayata mil sakti hai, unki creditworthiness majboot hoti hai aur unhe utkrisht takniki ka use karke utpadan aur prabhavshilta ko badhane ka mauka milta hai.

SIDBI Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-MSE)

CGS-MSE, SIDBI Credit Guarantee Fund ka ek Scheme hai jo chhoti aur micro business ke liye hai. Is Scheme ko Indian Laghu Udyog Vikas Bank (SIDBI) sanchalit karta hai, jisme bank aur anya vittiy sansthao ko chhoti aur micro Businesses ko loan pradan karne ke liye credit guarantee suraksha prapt hoti hai. Is Scheme ka uddeshya chhoti Business ke loan riske ko kam karna hai aur bankon ko in Business ko samay par aur paryapt vittiy samarthan pradan karne ko protsahit karna hai. 

Is Scheme ke tahat, yogy chhote Businesses ko 2 crore tak ka bina security wala loan pradan kiya jata hai. Business ke prakar aur loans ki raashi par bharosa cover 75% se 85% tak hota hai.

Government Loan Scheme Application Form

Government Loan Scheme prapt karne ke liye, nimnlikhit step ka palan karen:

1. Bank website par jaye aur loan ya vittiya suvidhaon ki section dhoonde.
2. loan form ya application form ke bare mein jankari khoje. Ek dusre step hai, bank ke najdiki branch jaye aur waha customer support representative se baat karen.
3. Bank representative se loan application form mangen.
4. Important details jaise personal aur vittiya jankari pradan karen aur form ko poora karen.
5. Form ko puri tarah bharen aur zaruri saath sahitya jaise documents ko sath lagayen.
6. Bhara hua application form aur zaruri kagazat bank bhejen, taki unhe iska prakriya shuru karne mein help mil sake.

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FAQs: Top 5 Government Loan Schemes for Small Businesses

Government Loan Schemes for Small Businesses

a) Pradhan Mantri Mudra Yojana (PMMY) Kya Hai?

A: Pradhan Mantri Mudra Yojana (PMMY) Bharat mein chhote Business, vishesh roop se micro Business ko vittiy sahayata pradan karne ke liye ek sarkari yojana hai. Is yojana ke tahat, 10 lakh tak ke loans bina kisi security ke diye jate hain.

b) Micro and Small Businesses Credit Guarantee Fund Trust (CGTMSE) kaise Kaam Karti Hai?

A: CGTMSE credit guarantee yojana chhote Business ko prachalanik security ke bina vittiy suvidha pradan karne ke liye banayi gayi hai. Is yojana mein, micro aur small businesses ke liye loan pradan karne wali sansthao ko loan ki rakam ka 50% se 85% tak credit guarantee suraksha di jati hai, jisse traditional security ke bina bhi vyapariyon ko loan prapt karne ki suvidha milti hai.

c) SIDBI Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-MSE) Kaise Kaam Karti Hai?

A: CGS-MSE, SIDBI Credit Guarantee Fund ki ek yojana hai jo chhote aur micro Business ke liye hai. Is yojana ke tahat, chhote Businesses ko bina security ke 2 crore tak ka loan pradan kiya jata hai. Business ke prakar aur loan ki raashi par bharosa cover 75% se 85% tak hota hai. Is yojana ka uddeshya loans riske ko kam karna hai aur samay par aur paryapt vittiy samarthan pradan karke chhote Business ko protsahit karna hai.

d) NSIC dvara pradan kiye jaane wale subsidy Schemes kya hai?

A: NSIC, chhoti Business ki konkurenciyata ko badhane ke liye kai subsidy Schemes pradan karti hai. Ye Schemes arthik sahayata, marketing sahayata aur takniki help pradan karke chhoti mudyogon ki pratishtha ko badhane ka lakshya rakhti hain. In yojana mein Technology Credit Programme, Performance and Credit Rating Programme, Marketing Assistance Programme, aur Raw Material Assistance Programme shamil hai.

e) Government Loan Schemes Ke Liye Bank Mein Aavedan Kaise Karen?

A: Bank se loan Schemes ke liye aavedan karne ke liye, nimnlikhit step ka palan karen:

1. Bank website par jaye aur loans ya vittiya suvidhaon ki section dhoonde.
2. Loan application form ya application form ke bare mein jankari khoje. Ek dusre step hai, bank ke najdiki branch jaye aur waha customer support representative se baat karen.
3. Bank representative se loan application form mangen.
4. Important details jaise vyaktigat aur vittiya details pradan karen aur form ko pura karen.
5. Form ko puri tarah bharen aur zaruri saath sahitya jaise documents ko sath lagayen.
6. Bhara hua application form aur zaruri kagazat bank bhejen, taki unhe iska prakriya shuru karne mein help mil sake.

Mujhe ummeed hai ki yeh jankari aapke liye usefull hogi. Agar aapko aur kisi vishay par sahayata chahiye, toh aap poochh sakte hain.

"Chhote Businesses ke Liye Top 5 Government Loan Schemes aur Avedan Prakriya 2023"

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