PMEGP loan ka matlab hai Prime Minister’s Employment Generation Programme ke tahat milne wala credit-linked subsidy loan. Is scheme me aap apna chhota business ya manufacturing unit shuru karne ke liye bank se loan lete hain, aur sarkar us project cost ka 15% se 35% tak hissa subsidy (margin money) ke roop me deti hai. Scheme ko Khadi and Village Industries Commission (KVIC) national level par nodal agency ke roop me chalata hai, aur ye 2008-09 se chal rahi hai.
PMEGP Loan Kya Hai?
PMEGP ka uddeshya gaon aur shehar dono me swarozgaar paida karna hai. Isme bank aapko term loan aur working capital deta hai, aur sarkar subsidy seedha aapke bank account me margin money ke roop me bhejti hai. Aapko project cost ka sirf chhota hissa — general category me 10%, special category me 5% — apni jeb se lagana hota hai.
Aavedan se lekar loan sanction tak poori prakriya online hoti hai, KVIC ke portal ke zariye.
PMEGP Loan Par Subsidy Kitni Milti Hai?
Subsidy (margin money) project cost ke pratishat me milti hai — aapki category aur kshetra ke hisaab se:
- General category — Urban: 15%
- General category — Rural: 25%
- Special category — Urban: 25%
- Special category — Rural: 35%
Special category me SC, ST, OBC, Minorities, Mahilaayein, Ex-servicemen, Divyangjan, Transgender, North-Eastern Region, hill aur border areas aur aspirational districts ke labharthi aate hain.
Ek hisaab (andaaza): agar koi special category ka labharthi gramin kshetra me ₹10 lakh ki project cost par unit lagata hai, to 35% ke hisaab se ₹3.5 lakh subsidy milegi, apna yogdaan 5% = ₹50,000 hoga, aur baaki ₹6 lakh bank loan ke roop me milega.
Project Cost Ki Limit
- Manufacturing sector: adhikatam project cost ₹50 lakh
- Service / business sector: adhikatam project cost ₹20 lakh
Margin money subsidy 3 saal tak term deposit me rakhi jaati hai aur unit ke safaltapoorvak chalne ki physical verification ke baad hi loan account me adjust hoti hai.
PMEGP Loan Ke Liye Eligibility
- Umar: 18 saal se upar ka koi bhi vyakti aavedan kar sakta hai
- Shiksha: manufacturing me ₹10 lakh se upar aur service me ₹5 lakh se upar ki project cost par kam se kam VIII (aathvi) pass hona zaroori hai
- Nayi unit: subsidy sirf naye micro-enterprise ke liye hai — pehle se chal rahi unit par nahi
- Loan milne se pehle har labharthi ko EDP (Entrepreneurship Development Programme) training leni hoti hai
PMEGP Loan Kaise Apply Karein?
- KVIC ke official portal kviconline.gov.in par jaakar PMEGP application form bharein
- Project report (kya business karenge, kitna kharcha, kitni aamdani ka andaaza) taiyaar karke upload karein
- Aadhaar, PAN, jaati praman patra (special category ke liye), shiksha praman patra aur bank details jama karein
- Application sambandhit agency (KVIC / KVIB / DIC) ke paas jaati hai, phir bank loan sanction karta hai
- EDP training poori karne ke baad margin money jaari hoti hai
Poori prakriya me bank aur agency ke saath sampark banaaye rakhein — kagzaat poore hone par approval me deri nahi hoti.
2nd Loan — Vistar Ke Liye Bhi Suvidha
2018-19 se jo PMEGP ya Mudra ikaaiyaan achha pradarshan kar rahi hain, unhe vistar ke liye dusra loan bhi mil sakta hai — manufacturing me ₹1 crore aur service me ₹25 lakh tak ki project cost par, 15% subsidy (NER/hill states me 20%) ke saath.
Chhote business loan ke ek aur vikalp ke baare me Mudra loan kaise lein padhein. Aur bank account kholne ki buniyadi jaankari ke liye Jan Dhan khata kaise kholein dekh sakte hain.
Official portal: kviconline.gov.in — PMEGP portal
Yeh sirf jaankari hai, financial advice nahi hai.