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Wednesday, 11 July 2018

Informetion for goverment scheme for business loan


Hi friends,
Business ke liye paise to jaruri hote hai per ho kaha se laye or yahi par 90% log har maan lete hai.Bank agar loan deti hai to khud ke bhi 5% se leke 15% tak lagana padata hai.Esliye hamari bachat hona jaruri hai esliye pahile thodi bachat karana sikhe.Bank me apani account khole chye wo saving ho current account ho ha phir RD(reccurig deposit) koi ek account khole or usame bachat kare
Buisinness ke liye paisa bahot mayane rakhata hai.Aaj es article mai  kuch sarkari yojanao ke bare me baat karana chahunga.

PRADHANMANTRI ROJGAR YOJANA

Ye yojana 1993 mai bharat sarkardwara launch ki gai thi iska uddesh ye tha ki jo metric pass yuvak/youvatiya hai vo esase loan leker khud ka koi business chalu karake apane pairo pe khade ho jaye.
Es ki ek visheshta ye hai ki eski sood dar kafi kam hai or loan me kuch giravi rakhana nahi padata. Loan se nirmit product hi esaki sampati mani jati hai.
Jo yuvak/yuvatiya 18 se 35 saal ki umra ki hai or jo metric pass hai or jinki parivarik income 24000 rupaye se kam hai vo sab es yojana ka labh uta sakate hai.
Is me aarakshan bhi hai anusuchit jaati ke liye 22.5% or other ke liye 27%.
Avedan ke baab labharthi ka chayan hota hai. Chayan kiye huve yuvak/ yuvatiyo ko sarkari bank dwara loan diya jata hai. Loan ki 15% cash di jati hai Total loan ki 5% rashi labarthi ko khud se lagani padati hai.Loan adayagi me 6 se 8 mahine ki chut di jaati hai bad me byaj ke sath 3 se 7 saal ke under pura loan chukana padata hai.
Is sceme mai byaj dar resevebank ke nirdesh ke anusaar hota hai abhi 25000 ke liye 12.5% or 25000 se 1 lakh tak 15.5% byaj dar hai.
Tip – Aap kisi bhi Jilha udyog kendra me jaoge to aap ko puri jankari mil sakati hai.

MUDRA BANK YOJANA

1.       Jo koi apana chota sa naya business karana chahata jai koi salun, chai ki dukan to es yojana ka aap labh utha sakate hai.
2.       Kishore – Is yojana se aap 50000 se 5 lakh rupaye tak labh uta sakate hai. Jinke pahile koi chota mota business hai or wo use badana chahata wo es yojana ka labh utha sakata hai.
3.       Tarun – Is yojana se aap 5 lakh se 10 lakh tak loan utha sakata hai. Is yojana  se aap  apane business ko or ucch sthar pe le ja sakate ho.
4.       Yah yojana ki bhvishya me or bhi badhane vali hai. Filhal aap rashtriya toll free no.1800110001 es number se sampark kar sakate hai. Ya kisi bhi sarkari bank eski jankari de deti hai.Koi bhi bank es yojana ki puri jankari deti hai.

 COIR UDYOG YOJANA

Ye yojana MSME micro small medium enterprises ke under ati hai jo ki bharat Sarkar ke under aati hai.Ye yojana nariyal ke chilake se bani chijo ko pramot karati hai. Jasemetts,door metts brush,gadda  Es me 10 lakh tak loan milata hai.Es me 5% khud ka or bank se loan approval hua to 55% loan 7 saal ke liye milata hai or coir board 40% subsidy deti hai.Coir board esake sath bahut saari suvidha bhi sarkaar deti hai.Jaise marketing ke liye help karati hai,sells man deti hai,Exibhishan me madat karati hai.koi bhi khud ka business karanewala koi choti company,koi bhi NGO koi bhi cheritable trust is yojana ka labh utha sakati hai.coir board jilha udyog kendra me jakar aap esaki jankari le sakate hai.ya phir htpp://coirservices.gov.in pe bhi aap ko sab jankari mil sakati hai.or bhi bahot sari yojanaye hai ek post me wo sab nahi bata sakate.Aap ek baar start kijiye fir wo kahate hai na “jaha chah hai wohi rah bhi hai”.