🔍 PMRY Kya Hai?
Pradhan Mantri Rojgar Yojana (PMRY) 1993 mein start hui thi jiska main aim tha: unemployed youth aur women ko apna business start karne ke liye financial help dena. Scheme ka focus hai self-employment badhawa dena – chahe wo manufacturing ho, services ya small trading business.
✅ Eligibility Criteria – Kaun Le Sakta Hai Loan?
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Age: 18–35 saal (SC/ST, women, ex-servicemen, divyang ke liye 45 saal tak)
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Education: Minimum 8th pass + 6 mahine ka govt training ho toh preference milega
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Family Income: Rs. 40,000 yearly se kam
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Residence: Kam se kam 3 saal se wahi area ka permanent resident hona chahiye
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Loan Default: Kisi bhi pehle government scheme mein default nahi hona chahiye
✨ Key Features of PMRY Loan Scheme
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Business Loan Limit: Rs. 1 lakh (service/trade), Rs. 2 lakh (industry sector)
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Composite Loan: Rs. 95,000 (business), Rs. 1.9 lakh (non-business sector)
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Subsidy: Max 15% ya Rs. 7,500 tak (North-East mein Rs. 15,000)
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Margin Money: 5% se 16.25% tak (NE states mein 5–12.5%)
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Collateral-Free Loan: Upto Rs. 1 lakh (business), Rs. 2 lakh (industry)
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Repayment Tenure: 3 to 7 years
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Processing Fees: Zero
📝 PMRY Loan Kaise Apply Karein?
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Visit Website: https://pmrpy.gov.in
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Form Fill Karein: Online ya phir District Industry Centre (DIC) se hard copy lein
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Documents Upload: Identity, address proof, project report wagairah
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Project Report Banayein: Jisme business ka complete plan likha ho
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DIC Evaluation & Interview: Officials aapki understanding check karenge
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Training Program: 15–20 din ka basic training
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Loan Disbursement: Training complete hone ke baad aapke bank account mein paisa
🔚 Conclusion
Agar aap bhi ek educated unemployed youth hain jise apna kaam shuru karna hai, toh PMRY loan scheme aapke liye perfect hai. Bina collateral ke business start karein, government ki help se apna sapna sach karein.
Sapna Aapka. Personal Loan Humara.
Abhi Apply Karein!
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