Sarkari Business Loan Yojana 2026: Naya Business Shuru Karne Ke Liye Milenge ₹50 Lakh Tak Ka Loan, Janiye Apply Kaise Karen
Agar aapka sapna hai apna khud ka business (Vyapar) shuru karna, lekin paison ki kami ki wajah se aap piche hat rahe hain, to Bharat sarkar aapki madad ke liye tayyar hai. Kendriya sarkar ne aisi kayi Sarkari Loan Yojana shuru ki hain jisme kam byaj dar (Interest Rate) aur bhari subsidy par loan diya jata hai.
Aaj ke is article mein hum aapko Top 3 Sarkari Loan Schemes ki jankari denge jisme PMEGP, Mudra Loan aur PM SVANidhi shamil hain. In yojanaon ke tahat aap ₹10,000 se lekar ₹50 lakh tak ka loan le sakte hain.
1. PM Mudra Loan Yojana (PMMY)
Mudra Loan yojana chote vyapariyon ke liye sabse lokpriya hai. Isme kisi bhi tarah ki guarantee ki zaroorat nahi hoti. Isko teen category mein banta gaya hai:
| Category | Loan Limit | Target Group |
|---|---|---|
| Shishu Loan | ₹50,000 tak | Naye business ke liye |
| Kishore Loan | ₹50,000 se ₹5 Lakh | Business badhane ke liye |
| Tarun Loan | ₹5 Lakh se ₹10 Lakh | Bade star ke business ke liye |
2. PMEGP (Prime Minister Employment Generation Programme)
PMEGP yojana un logon ke liye hai jo Manufacturing ya Service sector mein bada kaam shuru karna chahte hain. Is yojana ki khas baat ye hai ki isme aapko 15% se 35% tak ki Subsidy milti hai.
- Loan Amount: ₹50 Lakh tak (Manufacturing) aur ₹20 Lakh tak (Service).
- Yogyata: 8th pass hona anivarya hai (₹10 lakh se bade project ke liye).
- Subsidy: Rural area mein 35% tak aur Urban area mein 25% tak.
3. PM SVANidhi Yojana (Street Vendor Loan)
Ye yojana khas karke un logo ke liye hai jo rehri-patri (Street Vendors) par kaam karte hain. Isme bina kisi guarantee ke shuruat mein ₹10,000 ka loan milta hai, aur samay par chukane par ye rashi badha di jati hai.
Zaroori Documents (Aavashyak Dastavez)
Sarkari loan lene ke liye aapke paas ye documents hona zaroori hain:
- Aadhar Card aur PAN Card
- Address Proof (Voter ID/Ration Card)
- Business Plan या Project Report
- Bank Account Statement (Pichle 6 mahine ka)
- Passport size Photo aur Mobile Number
- Caste Certificate (Agar subsidy chahiye to)
Apply Kaise Karen? (Process)
Zyadatar sarkari loan ke liye aap Jan Samarth Portal par jakar ek sath sabhi yojanaon ko check kar sakte hain:
- jansamarth.in portal par jayen.
- 'Business Activity Loan' select karen.
- Apni details jaise category, loan rashi aur business ka prakar bharen.
- System khud batayega ki aap kis yojana ke liye eligible hain.
- Apne documents upload karen aur bank select karke apply kar dein.
Sarkari Loan: Aksar Puche Jane Wale Sawal (FAQs)
Ans: Nahi, Mudra loan puri tarah se collateral-free (bina guarantee) hota hai.
Ans: PMEGP mein category aur area ke hisab se 15% se lekar 35% tak ki subsidy milti hai.
Ans: Aamtaur par sarkari business loan chukane ke liye 3 se 7 saal tak ka samay diya jata hai.
Conclusion (Nishkarsh)
Sarkari loan yojanaon ka labh uthakar aap apne sapno ko sach kar sakte hain. Bas dhyan rakhen ki aapke paas ek thos business plan hona chahiye. Hamesha official portal (Jan Samarth) ka hi upyog karen taki kisi fraud se bach saken.
Disclaimer: Hum koi loan provider nahi hain. Ye jankari sirf logon ki madad ke liye hai. Loan lene se pehle bank ki shartein dhayan se padhen.