MUDRA Loan kya hai aur kaun apply kar sakta hai?+
MUDRA (Micro Units Development & Refinance Agency) loan ek government scheme hai jo chhote aur micro businesses ko bina collateral ke ₹10 lakh tak ka loan deti hai. Koi bhi Indian citizen jo manufacturing, trading, ya service business karna chahta hai ya pehle se chala raha hai, apply kar sakta hai. Shishu (50K), Kishore (5L), aur Tarun (10L) teen categories hain.
PMEGP scheme mein kitni subsidy milti hai?+
PMEGP mein subsidy category ke hisaab se milti hai: Urban area mein General category ko 15%, Rural area mein 25% milti hai. SC/ST/OBC/Women/Minorities/Ex-Servicemen ko Urban mein 25% aur Rural mein 35% subsidy milti hai. Project cost manufacturing mein ₹50L aur service sector mein ₹20L tak hoti hai. Ye loan sirf naye business ke liye hai, existing business ke liye nahi.
CGTMSE aur MSME loan mein kya fark hai?+
MSME loan ek general term hai jo MSME sector ke liye bank loan hai. CGTMSE (Credit Guarantee Trust for Micro & Small Enterprises) ek specific scheme hai jisme government bank ko credit guarantee deti hai, isliye aapko koi collateral ya guarantor nahi dena padta. CGTMSE ke under ₹5 crore tak collateral-free loan milta hai. Hum dono ke liye help karte hain.
Loan ke liye kaunse documents chahiye?+
Common documents: PAN Card, Aadhaar Card, Address Proof, Bank Statements (6 months), Business Proof (GST certificate ya trade license), Udyam Registration (MSME ke liye), Project Report (PMEGP ke liye), 2 Passport Photos. Specific scheme ke hisaab se additional documents ho sakte hain. Hum exact checklist dete hain aur documents tayar karne mein help karte hain.
Loan approve hone mein kitna time lagta hai?+
MUDRA Loan: 7–15 working days, agar documents complete hon. PMEGP: 30–90 days, kyunki KVIC/DIC verification aur bank appraisal hoti hai. CGTMSE/MSME: 15–30 days. Hum regular follow-up karte hain aur process accelerate karne ki poori koshish karte hain. Incomplete documents se delay hoti hai — isliye hum pehle sab perfect karte hain.
Stand-Up India scheme kiske liye hai?+
Stand-Up India scheme specifically SC/ST aur Women entrepreneurs ke liye hai. ₹10 lakh se ₹1 crore tak ka bank loan milta hai greenfield projects (manufacturing, services, trading) ke liye. Har bank branch ko at least ek SC/ST aur ek woman entrepreneur ko yeh loan dena hota hai. Interest rate kam hoti hai aur 7 saal tak repayment ka time milta hai.
Kya hum sirf Assam mein kaam karte hain ya poore India mein?+
Hum primarily Guwahati aur Assam mein services dete hain, lekin company registration, GST, trademark aur legal documentation ke liye poore India mein help kar sakte hain. Government loan schemes ke liye local presence important hoti hai — Assam ke clients ke liye humara local network sabse effective hai.