Kisi bhi business ko krne ke liye apko funds ki jrurat pdti hai aur loans or credit hi ek matra aisa solution hota hai jo apko kam interest rate par business krne me help krta hai . Business me apko stock maintain krne ke liye , working capital needs ke liye , expenses ke liye , kuch additional investment ya furniture or fixture lene ke liye aur bhi kai karno ke liye paiso ki jrurat pdti hai . Lekin agar ap us samay banks se direct loan ke liye apply krte hai to apko bahut saari formalities or apna status report banks ko provide krni hoti hai . Jiski checking krne ke bad bank apko loan provide krta hai . Lekin government supportive kuch aise plans bhi hote hai jo apko business ke liye adhaar se loan lene me help krte hai .
Aadhaar par business loan or alag alag Yojana ke ander alag alag reasons ke liye financial help di jati hai jisme ap apne documents ke through government se apne business ke liye loan le skte hai . Agar ap janna chahte hai ki kaise ap Aadhaar Card ki madad se loan le skte hai to ap is article ko dhyaan se padhe .
PM Aadhaar Loan Yojana kya hai ?
PM Aadhaar Loan yojana ko PM Mudra Yojana bhi kaha jata hai jisme government sabhi new business owners or startup owners ko ek oppurtunity deti hai apne liye business setup krne me jisme wo government se apne Aadhaar card or basic documents se loan ke liye apply kr paate hai . Is scheme me enter krne se agar ap kisi loan ke liye direct bank me apply krte hai aur apko loan nahi mil paata to ap is scheme ke ander business ke liye loan le paate hai .
PM Aadhaar Loan Yojana ko Indian Government ke under registered sabhi nationalised banks me permit kiya hai jisme ek bank account holder , ek non account holder , ek small business operator or statup owner bhi is scheme me loan ke liye apply kr skta hai . Is scheme loan ap in banks ke through apply kr skte hai :
- State Bank of India
- Bank of India
- Bank of Baroda
- Union Bank
- Central Bank
- Punjab National Bank
- Canara Bank etc
Is scheme me sabhi loan applicants ke liye loan application simplify kiya gaya hai aur loan par dene wale interest rates bhi is scheme me bahut kam hojate hai.
Aadhar se loan kaise liya jata hai ?
Agar ap kisi bank ya kisi bhi NBFC ( Non Banking Finance company ) ke pas loan lene jate hai to apko kuch documents or proof submit krne hote hai apni wealth or income ke taki banks apki networth or trust score ke according apko loan provide kr sake . Is process me phle without Aadhar card bahut jyada time lag jata tha jisme applicant ko kam amount ka loan bhi milta tha .
Digitization ke bad Aadhar card se loan apply krne par kisi bhi bank se application turant accept kr li jati hai aur digitally loan amount upto Rs 10 lakh business purpose ke liye applicant ko de diye jate hai. Aadhar Loan yojana me applicant ko sirf kuch basic documents jise KYC Documents kaha jata hai unki jrurat hoti hai jiske bad loan amount approve hone ke bad applicant ke bank account me de diya jata hai .
Aadhar loan yojana me apply krne ke liye koi khaas nomination or guarantor ki requirement bhi nahi pdti jisme agar normally kisi bhi bank se loan ke liye apply kiya jata hai to usme apko financial balance sheets or audit reports jaise requirements face krni pdti hai .
PM Aadhar Loan Yojana me loan process kaise hota hai ?
PM Aadhar loan yojana specially unke liye design ki gayi hai jinhe business purpose ke liye urgent funds ki requirement hai aur jo banks se directly loan ke liye apply nahi kar pa rahe hai . Is scheme me verification ki problem se lekar formalities ki problem bhi dur ki gayi hai . PM Aadhar loan yojana me loan apply krne ke liye ek particular process follow krna hota hai :
- Agar ap kisi Nationalized bank me se loan lena chahte hai to apko usme ek saving or current account open krna jruri hai .
- Apko Aadhaar , PAN , Address proof or sabhi KYC Documents jaise bank me btaya gaya hai lekar bank me chale jana hai .
- Loan ki application me apko ek form fill krna hai jisme apko explain krna hai ki ap kitne amount ka loan lena chahte hai aur use kab tak bhar skte hai .
- Us form ke sath ek blank cancel cheque aur apne sabhi KYC documents include kare .
- Apka form loan application ke liye submit ho jata hai aur kuch banks me Cancel cheque ki requirement hoti hai processing charges fees bharne ke liye .
Jaise hi apka loan approve ho jata hai to apko uska update bank se ya apke mobile par ajata hai . Loan Approve hone se kuch samay me hi apko loan amount apke bank account me bhej diya jata hai .
Aadhar Card se loan kitne amount tak ka mil jata hai . ?
Aadhar Card ko kisi bhi loan application ke liye as a nation approved Identity card mana gaya hai jiske basis par government banks kisi bhi person ko loan offer krti hai . Aadhar par ek particular amount tak hi loan offer kiya jata hai jaise Rs 10 hazaar se Rs 1 lakh . Is se addition agar apko loan lena hota hai to apko uske liye kuch guarantee documents or repayment obligation ko lekar kuch addional documents submit krne hote hai .
Agar ap Aadhaar se loan apply krtehai to apko itne amount ka loan mil jata hai :
Rs 10k to Rs 50k Loan
Ye small loan amount redi wale , phadi wale or street vendors ko offer kiya gaya hai jo apni capacity or apne small business ke according loan ke liye apply kr skte hai .
Rs 50k to Rs 10 lakh loan
Business loan ke liye ap Rs 50k se Rs 10 lakh tk ka business loan le skte hai . Is amount ko ap sirf business purpose ke liye use kr skte hai aur isme apko kisi bhi private bank loan se alag bahut kam formalities me loan mil jata hai .
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Aadhar se Loan FAQ
1. PM Aadhar Loan Yojana me only Aadhaar card chahiye ?
No , kisi bhi loan application ke liye apko Aadhar submit krna mandatory hai par uske sath apko PAN or alag alag KYC Documents chahiye hoti hai .
2. Kya 2022 me Aadhar se Business loan mil raha hai ?
Aadhar se Business loan ke liye ap kabhi bhi application submit kr skte hai . Agar ap Aadhar Business loan ke liye apply krna chahte hai to is website se apply kr skte hai udyamimitra.in .