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MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
CENT MUDRA (PMMY)
MUDRA SCHEME DETAILS
Micro Unit Development and Refinance Agency Ltd (MUDRA) has been launched by Hon‟ble
Prime Minister on 8th April 2015 as a new financial entity, for developing and refinancing as
last mile financial intermediaries, like, Banks, NBFCs, Micro Financial Institution (MFI) etc.
who are in the business of lending to even the smallest of the Micro Enterprises in
manufacturing, trading
and service sector. The definition of micro unit for the purposes of MUDRA's activities should
not be linked with MSME or any other Act. This segment mainly consists of Non-Farm
Enterprises in manufacturing; trading and services whose credit needs are up-to Rs.10Lakh.
For supporting to the scheme & as directed by Govt. of India “ Prime Ministers Mudra Yojna
(MUDRA)” PMMY was activated in Central Bank of India w.e.f. 08.04.2015.
Micro units of Individuals / Proprietorship / Partnership firms & Company running as Small
Manufacturing Units, Professionals and Service Providers Units eligible to be covered under
Prime Minister‟s MUDRA YOJNA (PMMY) are eligible to be covered under Prime Minister‟s
MUDRA YOJNA (PMMY) in Rural and Urban areas with financing requirements of up-to
Rs.10 lakh.
The position of Pradhan Mantri Mudra Yojana (PMMY) sanctioned by our Bank, year
wise, under all the three categories since inception of the scheme is placed here below :
Rs in Crores
Product Sanctioned in
F.Y. 2015-16
Sanctioned in
F.Y. 2016-17
Sanctioned in F.Y.
2017-18
Sanctioned in F.Y.
2018-19(upto 17.08.2018)
MUDRA No of
Sanc
San
Amt
No of
Sanc
San
Amt
No of
Sanc
San
Amt
No of Sanc San Amt
SHISHU 75026 274.10 31182 123.40 46724 185.91 24216 99.80
KISHOR 30034 687.45 34349 760.39 57652 1321.86 29605 713.23
TARUN 8080 647.84 9189 731.20 15924 1297.55 7365 615.41
TOTAL 113140 1609.39 74720 1614.98 120300 2805.33 61186 1428.44
Any person of India can avail Mudra loan by applying online on udyamimitra.in portal by
selecting nearest branch suitable to him and also visit the nearest branch for manual
submission of the related papers of the project. No collateral security or any guarantor is
required for availing loan under Mudra scheme. Application form is available on Bank’s
site.
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
Following are few success stories of borrowers along with the photographs:
Unit Details
Name of the borrower & address: M/s MALSAWM HANDLOOM,
ZOTLANG, AIZAWL.
Branch Name and Address: AIZAWL BRANCH, ZARKAWT MAIN STREET,
AIZAWL, MIZORAM-796001.
Date of Sanction of the Loan : 25/02/2016
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
Details of the Unit :
The unit is involved mainly in sales of handloom items. Mizoram, being a state mainly populated
with Mizo tribes, production of handloom materials through manual traditional weaving method is
widely popular. So, there is huge production of handloom clothes and fabrics across the state,
however there is a gap of displaying the products to the common public in both local market and to
other states. So, Malsawm Handloom is mainly focused on bridging the gap between the producer
and consumer. The unit collects the product both from their own manufacturing unit and also from
the small scale producers and supply the products to the market. The main motif of this unit is to
provide a platform for reaching out to the market.
The borrower is maintaining the nature of transaction in the Cash Credit Account bearing no,
3523123449, in a satisfactory nature. They are performing transaction in daily basis, pertaining to a
total turnover of Rs. 12002448.00 (One Crore Twenty Lakhs Two Thousand Four Hundred and
Forty eight only) for the year 2016-17.
The unit apart from generating income and sales, they are also providing employment to few people.
As of now, they are employing 4 workers, who are very much active and perform the duties allotted
to them in a positive nature.
As being confirmed form the borrower, generally the monthly sales and profit varies with the
season, and also with the basis of festival nature. In normal days, they use to have monthly Net
profit of approximately Rs.120000.00 (Rupees One Lakh Twenty Thousand Only). But during
festive seasons, the Net profit use to raise upto Rs. 350000.00 (Rupees Three Lakh Fifty Thousand
only).
Why it is a success Story :
In every sector of entrepreneurship, there arises a requirement of capital expenditure, even though
presence of a good business idea is with the person. With the introduction of the Pradhan Mantri
Mudra Yojna, there was a hope for easy financial assistance from the banks. Just in the same way,
there was shortage of capital expenditure for the establishment of the unit, M/s Malsawm
Handloom. But, by availing the financial assistance from the bank, Central Bank of India, Aizawl
Branch, they were given an opportunity to establish their own unit by making up their dreams of
their own entrepreneur firm. At the beginning, there were some difficulties in achieving the sales
and profit, due to less connection base with the consumers. But with the passing time, they started
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
making a relationship with the consumers, thereby generating a base of connection, which gave a
major pathway for making up with the business.
As of the present scenario, M/s Malsawm Handloom, is running their business in a satisfactory
nature, generating minimum net profit of approximately Rs. 120000.00. And also if it is a festive
season, they use to raise their net profit upto Rs. 350000.00 monthly. Apart from generating income
and profits, this unit is also playing a delivery channel for the produces form the local mortar pestle
units, giving them a chance to deliver out their products. This small unit is also giving employment
to 4 persons, which is small in number, yet highly valued for the concern individual.
The sales and performance of their business is mainly mirrored in their nature of transaction at the
bank level, making upto an annual turnover of Rs 12002448.00 (Rupees One crore Twenty Lakhs
Two Thousand Four Hundred and Forty Eight only). And also, they are performing their transaction
on daily basis, thereby maintaining a good relation with the bank.
Pertaining to the achievements and performance of the unit, they have somehow achieve their
dreams and gained a prestige in the society.
Key Success Factors: Hard work and Concentration towards the goal.
मदरा योजना – सफलता की कहानी ***********************************
नाम : शरीमती ममता शमाा, उमर- 34 वरा कारा : जरदोजी कलाा. (बटआ बनाना.) ननवासी : मकान ना0-25, फतहगढ, भोपाल.
-----------------------------------------------
सर, म ममता शमाा, जरदोजी का ला ( बटआ बनाना ) का कारा करती थी, गरीबी क कारण, हमशा आरथाक तागी का सामना करना पडता था, एवा वरवसार क ललर सथानीर साहकारो स, जरादा बराज पर रकम उधार लना पडती थी, मनाफ की अरधकतर रकम साहकार का बराज चकान म चली जाती थी, जजसक कारण पररवार का भरण पोरण एवा वरवसार चलाना अतररधक मजककल हो रहा था. इसी दौरान मालम चला की भारत सरकार दवारा छोट वरवसाईरो क ललर मदरा ऋण रोजना को पराराभ ककरा गरा ह, इसी सनदभा म मन सनटरल बक ऑफ इजडडरा की इमामीगट शाखा भोपाल क शाखा परबाधक स समपका ककरा, उनहोन मझ मदरा योजना क बार म ववसतार स समझारा, मझ उनस लमलकर एक आशा की ककरण
ददखाई दी, और ऐसा लगा कक अब हमार पररवार काफी समसरार कम हो जारगी और वरवसार भी ठीक
परकार स चलन लगगा. सनटरल बक ऑफ इजडडरा की इमामीगट शाखा दवारा, मझ तरनत र.40,000/- ( रपर चालीस हजार मातर ) क
ऋण की सहारता दी, इसम मरा कोई खचा भी नहीा हआ, मझ शाखा परबाधक दवारा खात क साचालन क बार म ववसतार स बतात हर, वरवसार को सचार रप स चलान क ललर परररत ककरा गरा. ऋण की सहारता लमलन स मझ कचचा माल पहल स जरादा खरीदन का अवसर लमला, मर पास तरार माल
का सटॉक भी मााग क अनसार तरार रहन लगा, बराज का कम भगतान करन एवा आर बढन स मरा पररवार
अचछी तरह स चलन लगा, और वरवसार स परनतमाह लगभग 1000/- रपर की शदध बचत भी होन लगी. मन अपन पररवार क अनर सदसरो को भी इस काम म लगा ललरा, अब मरा पररवार न लसफा अपनी जररतो को परी कर रहा ह, वरन खशहाल जीवन भी वरतीत कर रहा ह. इसक ललर सरकार एवा बक दोनो को बहत-बहत
धनरवाद.
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
A. For office Use:
EnterpriseName Application Sl. No. Name of the Branch Category
Kishor / Tarun B.Business Information: Name of the
Enterprise
Constitution √ Proprietary Partnership Pvt. Ltd. Ltd. Company Any Others (specify)
Current
Business
Address
State PIN Code
Business Premises √ Rented Owned
Telephone No. Mobile No. 91
E-mail:
Business
Activity
Existing
Proposed
Date of Commencement(DD/MM/YYYY)
Whether the Unit is Registered √ Yes No
If Registered (Please mention:Registration no.
And the Act under which registered )
Registered office Address
Social Category √ SC ST OBC Minority Community
If Minority
Community √ Buddhists Muslims Christians Sikhs Jains Zoroastrians
C.Background Information of Proprietor/ Partners/ Directors: S.No Name Date of
Birth
Sex Residential Address
with Mobile No.
Academic
Qualification
Experience in the
line of activity
(Years)
1.
2.
S.No Id proof Id proof
no.
Address
proof
Address
proof no.
PAN Card/DIN
No.
Relationship with the
officials/ Director of the
bank if any
1.
2.
LOAN APPLICATION FORM PRADHAN MANTRI MUDRE YOJANA ( PMMY ) ( To be submitted along with documents as per the check list )
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
D. Names of Associate Concerns and Nature of Association:
Names of
Associate
Concern
Address of
Associate
Concern
Presently
Banking with
Nature of
Association
Concern
Extent of Interest as a
Prop./Partner/ Director or Just
Investor in Associate Concern
E. Banking/Credit Facilities Existing: (In Rs.)
Type of
Facilities
Presently
Banking with
Limit
Availed
Outstanding
As on ……
Security
lodged
Asset
classification
status
Savings Account N. A. N. A.
Current Account N. A. N. A. Cash Credit
Term Loan
LC/BG
If banking with this bank, customer ID to be given here:
It is certified that our unit has not availed any loan from any other Bank / Financial Institution in the
past and I/we am/are not indebted to any other Bank / Financial Institution other than those
mentioned in column no. E above.
F. Credit Facilities Proposed:(In Rs.)
Type of
Facilities
Amount Purpose for which
Required
Details of Primary Security Offered
(with approx. value to be mentioned)
Cash Credit
Term Loan
LC/BG
Total G.In case of Working Capital: Basis of CashCredit Limit applied:(In Rs.)
Actual Sales Projected
FY- FY- Sales Workin
g Cycle
in
Months
Inventory Debtors Creditor
s
Promoter’s
Contributio
n
Limits
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
H. In case of Term loan requirements, the details of machinery/equipment may be given as
under:
Type of
machine
/ Equipment
Purpose
for which
required
Name of
Supplier
Total Cost of
Machine
Contribution being
made by the
promoters(Rs.)
Loan Required
(Rs.)
Total Repayment period with Moratorium period requested for
I. Past Performance / Future Estimates: (In Rs.)
Past Performance / Future Estimates (Actual performance for two previous years, estimates for
current year and projections for next year to be provided for working capital facilities. However
for term loan facilities projections to be provided till the proposed year of repayment of loan)
Past Year-II
(Actual)
Past Year-I
(Actual)
Present Year
(Estimate)
Next Year
(Projection)
Net Sales
Net Profit
Capital (Net
Worth in case
of Companies)
J. Status Regarding Statutory Obligations:
Statutory Obligations
Whether
Complied with
(select Yes/No)
If not applicable
then select N. A.
Remarks
(Any details in
connection withthe
relevant obligation to be
given )
1. Registration under Shops and Establishment Act
2. Registration under MSME (Provisional /Final)
3. Drug License
4. Latest Sales Tax Return Filed
5.Latest Income Tax Returns Filed
6.Any other Statutory dues remaining outstanding
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
K. Declaration:
I/We hereby certify that all information furnished by me/us is true, correct and complete. I/We
have no borrowing arrangements for the unit except as indicated in the application form. There
is/are no overdue / statutory dueowed by me/us. I/We shall furnish all other information that
may be required by Bank in connection with my/our application. The information may also be
exchanged by you with any agency you may deem fit. You, your representatives or Reserve
Bank of India or Mudra Ltd., or any other agency as authorised by you, may at any time,
inspect/ verify my/our assets, books of accounts etc. in our factory/business premises as given
above. You may take appropriate safeguards/action for recovery of bank’s dues.
Space for Photo
Space for Photo
Space for Photo
(Signatures of Proprietor/partner/ director whose photo is affixed above)
Date:___________________
Place:___________________
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
आवदनसा./Application No. ददनााक/Date:
परधानमतरी मदरा योजना (पीएमएमवाय) क अतरगत ऋण क ललए आवदन पतर Application Form for Loan under Pradhan Mantri Mudra Yojana (PMMY)
(लिि क अतरगत र.50000/- तक क ऋण क ललए) (For Loan upto Rs.50000/- under Shishu)
बक व िाखा का नाम जहा स ऋण ललया जाना ह __________________________________________________________________________ Name of Bank & Branch from where Loan is required _____________________________________________________________
म,________________________कललएएतददवारार. ________________कनकदसाख/ओवरडराफट/सावरधऋणकललएआवदनकरताहा. I hereby apply for Cash Credit/ Over Draft/ Term Loan of Rs. ____________________ for _______________________________
आवदक/कोका/कनामName of Applicant(s)
1. 2.
Father’s/ Husband’s
Name
1. शरी/Sh.
2. शरी/Sh.
साघटनConstitution ( )
वरजततकIndividual
सारततJoint
सवालमतवProprietor
भागीदारीPartnership
अनरOther
आवासीरपताResidential Address
ककराएपर/सवतवRented/Owned
वरावसानरकपताBusiness Address
ककराएपर/सवतव Rented/Owned
जनमनतरथDate of Birth
आरAge
ललागःपरर/सतरीSex : Male/Female
शकषणणकरोगरताEducation Qualification ()
अलशकषकषतIlliterate
10वीातकUpto 10th
12वीातक12th
सनातकGraduate
वरावसानरकProfessional
अनरOthers
कवाईसीदसतावजKYC Document(s)
वोटरपहचानपतरसा.Voter ID No.
आधारसा.Aadhaar No.
डराइवव ागलाइससDriving License No.
अनरकोईAny others
पहचानसाकषरउउलखकर ID Proof (pl. specify)
पतासाकषरउउलखकर Address Proof (pl. specify)
टलीफोनसा./Telephone No. : मोबा.सा./Mobile No. : ई-मल/E-mail :
वरावसानरकगनतववरधकापरकारउपरसताववत Line of Business Activity (Purpose)
ववदरमानExisting
अवरधPeriod
परसताववतProposed
वावराकबबकरीउलाखर. Annual Sales (Rs. in lakh)
ववदरमानःExisting :
परसताववतःProposed:
अनभव,रददहो/Experience, if any
सामाजजकशरणीउरचजनहतकर Social Category (Pls. tick)
सामानर
General
अजाSC
अजजाST
अवपवOBC
अपसारकMinority Community
रददअपसारकIf Minority ()
बौदधBuddhists
मजसलमMuslims
ईसाईChristians
लसखSikhs
जनJains
पारसीZoroastrians
अनरOthers
आवकरकऋणLoan Amount Required
सीसी/ओडी-CC/OD-र./Rs. __________________
सावरधऋण/Term Loan – र./Rs. ________________________
ववदरमानखाता/तो,कावववरण,रददहोDetail of Existing Account(s), if any
परकारउकपरारचजनहतकर Type (Pls. tick )उजमा/ऋण /(Deposit/Loan)
बकवशाखाकानामName of Bank & Branch
खातासा.A/c. No.
रददऋणखाताहतोलीगईऋणरालशIf Loan A/c. amount of Loan taken
र/Rs.
फोटो/Photo (फोटो पर हस ताकषर र कर))
(Signature across photo)
MMO BLDG, M.G ROAD, FORT, MUMBAI - 400023 FAX: 022-22626247 TEL: 022-43603229
:: 2 ::
घोषणा/Declaration:
म/हमघोरणाकरताहा/करतहककमर/हमारदवारादीगईसमसतसचनाएासतर,सहीएवासापणाह.मरी/हमारीइकाईकललएआवदनपतरमककएगएउलखकअलावाकोईऋणवरवसथानहीाह.मन/हमनककसीअनरबकमआवदननहीाककराह.मर/हमारदवाराधाररतकोईअनतदर/सााववरधकदरनहीाह/ह.म/हममर/हमारआवदनससाबारधतजानकारीबकदवारामाागजानपरउपलबधकराउागा/कराएाग.रसचनाएाआवकरकसमझजानपरआपककसीभीसासथासववननमर/साझाकरसक ग.आप,आपकपरनतननरध,भारतीररररवाबकअथवामदरालल.अथवाआपदवारापरारधकतकोईभीसासथाककसीभीसमररपरददएपतपरमरीफतटरी/वरावसानरकपररसरममरी/हमारीआजसतरो,लखाबदहरो का ननरीकषण/सतरापन कर सकत ह. आप बक की दरताओा की वसली/सरकषा क ललए समरचत कारावाई कर सकत ह.I/We hereby certify that all information furnished by me/us is true, correct and complete. I/We have no borrowing arrangements for the unit except as indicated in the application form. I/We have not applied to any Bank. There is/are no overdue/statutory due owed by me/us. I/We shall furnish all other information that may be required by Bank in connection with my/our application. The information may also be exchanged by you with any agency you
may deem fit. You, your representative or Reserve Bank of India of MUDRA Ltd., or any other agency as authorized by you, may at any time, inspect/verify my/our assets, books of accounts etc. in our factory/business premises as given above. You may take appropriate safeguards/action for recovery of bank’s dues.
ददनााक/Date: _____________________आवदक/को क हस ताकषर र/अर ा सथान/Place: _____________________ Thumb Impression/Signature of Applicants (s)
(काराालरउपरोगकललए/For Office use only)
पावतीजसलपसा. ……………………..ऋणआवदनसा._______________ददनााक_______________परापतकताा__________________
Acknowledgement Slip No……………………..loan Application No. ____________ dated ________________ Received by __________________
स थान एव नदनाक पराकधक त हस ताकषर र( (िाखा की महर एव हस ताकषर र) Place and Date Authorized Signatory (Branch Seal and sign)
--------------------------------------------------रहाासकाट/Cut here--------------------------------------------------------
शरी/सशरी__________________________________________ सर. ______________ कललएऋणआवदनददनााक______________ पीएमएमवाईकअातगातआवदनपावतीजसलपसा.______________
Acknowledgement slip no. ______________ for loan application under PMMY (Applicants copy)
Received with thanks from Sh./Smt. ________________loan application dated ________of Rs. _______
स थान एव नदनाक : पराकधक त हस ताकषर र( (िाखा की महर एव हस ताकषर र) Place and Date : Authorized Signatory (Branch Seal and sign)