This ppt is all about the Pradhan Mantri Mudra Yojana cover its purpose, elegibility, as well as sectors covered under the schemeand also various other information related to scheme.

1. Presentation on “MUDRA” YOJANA
PREPARED BY :
KARTIK PARASHAR

3. About the scheme…….
• Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of
India to “fund the unfunded” by bringing such enterprises to the formal financial
system and extending affordable credit to them.
• It enables a small borrower to borrow from all Public Sector Banks such as PSU
Banks, Regional Rural Banks and Cooperative Banks, Private Sector Banks,
Foreign Banks, Micro Finance Institutions (MFI) and Non Banking Finance
Companies (NBFC) for loans upto Rs 10 lakhs for non-farm income generating
activities.

4. Who is eligible for scheme ?
• Any Indian Citizen who has a business plan for a non-farm sector
income generating activity such as manufacturing, processing, trading
or service sector and whose credit need is less than Rs 10 lakh can
approach either a Bank, MFI, or NBFC for availing of Micro Units
Development & Refinance Agency Ltd. (MUDRA) loans under Pradhan
Mantri Mudra Yojana (PMMY).

6. Types of loans provided
• Under the aegis of Pradhan Mantri MUDRA Yojana, MUDRA has already created
the following products / schemes.
SHISHU :covering loans upto 50,000/-
KISHORE :covering loans above 50,000/- and upto 5 lakh
TARUN : covering loans above 5 lakh and upto 10 lakh

7. Cntd…….
• The interventions have been named 'Shishu', 'Kishor' and 'Tarun' to signify the
stage of growth, development and funding needs of the beneficiary micro unit /
entrepreneur and also provide a reference point for the next phase of graduation
growth to look forward to.
• It would be ensured that at least 60% of the credit flows to Shishu Category Units
and the balance to Kishor and Tarun Categories. There is no subsidy for the loan
given under PMMY.
• However, if the loan proposal is linked some Government scheme, wherein the
Government is providing capital subsidy, it will be eligible under PMMY also.

8. Purpose of the scheme
• Mudra loan is extended for a variety of purposes which provide income
generation and employment creation. The loans are extended mainly for :
• Business loan for Vendors, Traders, Shopkeepers and other Service Sector
activities
• Working capital loan through MUDRA Cards
• Equipment Finance for Micro Units
• Transport Vehicle loans

9. Sectors covered under the scheme
• Land Transport Sector / Activity –
auto rickshaw, small goods transport vehicle, 3 wheelers, e-rickshaw, passenger
cars, taxis, etc.
• Community, Social & Personal Service Activities -
Such as saloons, beauty parlours, gymnasium, boutiques, tailoring shops, dry
cleaning, cycle and motorcycle repair shop, DTP and Photocopying Facilities,
Medicine Shops, Courier Agents, etc.
• Food Products Sector -
Support would be available for undertaking activities such as papad making, achaar
making, jam / jelly making, agricultural produce preservation at rural level, sweet
shops, small service food stalls and day to day catering

10. Cntd………..
• Textile Products Sector / Activity -
• To provide support for undertaking activities such as handloom, powerloom,
chikan work, zari and zardozi work, traditional embroidery and hand work,
traditional dyeing and printing, apparel design, knitting, cotton ginning,
computerized embroidery, stitching and other textile non garment products such
as bags, vehicle accessories, furnishing accessories, etc.

11. Other facilities of the scheme: Mudra Debit Card

12. Cntd……
• MUDRA Card is an innovative product which provides working capital facility as a
cash credit arrangement. MUDRA Card is a debit card issued against the MUDRA
loan account, for working capital portion of the loan.
• The borrower can make use of MUDRA Card in multiple withdrawal and credit, so
as to manage the working capital limit in a most efficient manner and keep the
interest burden minimum. MUDRA Card will also help in digitalization of MUDRA
transactions and creating credit history for the borrower.

14. About Facts & figures of Scheme