PMEGP Loan Documents Required for Apply

PMEGP Loan Documents Required for Apply

We are glad you chose reading PMEGP Loan Documents on our window. We assure to provide you all information about the essential loan documents required by the bank. PMEGP which stands for Prime Minister Employment Generation Programme. It is a subsidy programme that provides a credit subsidy to the beneficiaries. The Ministry of MSME offers it. This programme aims to generate more employment opportunities in the country in both urban and rural areas.

The government of India has started offering subsidies with the help of the PMEGP loan scheme. It provides subsidies up to 35%. You can get a loan for your project that has a limit of Rs 10 Lakh for business and service. Loan of amount Rs 25 Lakh for manufacturing houses.

It provides two schemes. The Prime Minister Rojgar Yojana and the Rural Employment Generation Programme. They both have a similar working of providing job opportunities to the entrepreneurs in India.

If the beneficiaries undergo this scheme, they need to invest 5 to 10% of the total project cost. The government funds subsidy of 15 to 35% of the project cost based on different criteria. The banks who get authority to provide PMEGP loans proceed after several formalities. It helps the bank to check if the borrower has a strong and clean background or not.

PMEGP Loan Documents and PMEGP Scheme

The banks offer term loans to the borrowers for the approved amount of the total project cost at a reasonable rate. So they require mandatory documents from the applicants of PMEGP that they want to verify the financial and genuinity background of the applicant. Let’s know more about it.

The KVIC works for the upliftment of the businessman and provides a subsidy to them directly in their bank accounts. This is in the favour of the account holders. The subsidy for the general category is 15% and for the reserved category it Id 25%.

What is PMEGP Scheme

This scheme works to foster employment among the youth of the country and community by offering them startup opportunities for new ventures. The scheme is handled at the district level by the district industries centres and banks.

PMEGP Loan Documents

When the bank checks for the eligibility criteria for a bank loan the first thing it asks for is the documents from the borrower. These documents are important for getting your PMEGP loan application approved. Here is the detail of the documents that you need to submit to the banker before you apply for a PMEGP loan.

Bank Loan Application Form with passport-sized photographs

The bank application form is the loan form that you can get from the bank and fill the important credentials in. If you don’t have time to visit the bank in the beginning, you can download the loan application form online also from the official website of PMEGP. Once you fill the form you are required to stick the passport-sized photograph too. The photographs that are required for the bank application form are coloured.

Identity and Adhaar Proof

The identity proof is related to the documents that prove the establishment of the business house. You may be required to submit proof of the existence of the business too. The electricity bill, water bill and telephone bill can prove the existence of your business house.

Therefore you need to submit these documents to the bank along with the bank loan application form. You must self attest to the document as well.

PAN Card, Adhaar Card and class 8th pass certificate

The pan card and adhaar card are the main documents required to give you a loan. The pan card can be linked to the adhaar card as well. The bank also needs your certificate of education eligibility which is a minimum 8th pass. If you are educated enough, you can submit the certificate of your last degree along with the 10th and 12th pass certificates.

PMEGP Project Report

The project report of business unit for PMEGP is the professional detailed information that contains every detail of your business plan. It contains the financial needs, the procurement of funds, profit and loss statement, balance sheet etc so that the bank gets to know the complete thing regarding what your actual plans are for the business or service or manufacturing that you have to do. The target audience that is where you will sell your product, is crucial too.

Caste Certificate

If you belong to a special category, like scheduled caste, tribe or other backward class you may get additional benefits from the bank. The benefit can be in the rate of interest that can be low in your case, the loan amount can be high or the subsidy limit can be more too. So to present your caste certificate is important. The general category entrepreneurs are also required to submit their caste certificate for the important columns to fill up.

Certificate of Entrepreneur Development Programme

If you want to become a successful entrepreneur you need a certificate of an entrepreneur development programme that is required to submit to the bank to let the banker know you are an entrepreneur.

Special Category Certificate

If you belong to the special category you must include it in the project report and also present its certificate along with the other bank loan documents. The special category in India gets more benefits. If you are an SC, BC, ST, OBC or ex-serviceman of a government department you get a special rate of interest on the loan amount along with more percentage of subsidy, so do not forget to submit the certificate for the same.

Academic and Technical Course Certificate

If you are academically qualified or have some technical exposure for which you have been trained enough. Include it in your project report and present its certificate in the bank loan documents as well.

Any other important document

The bank may ask for any additional document on demand that you may have to submit within the given time. Arrange for the same and add it along with the other documents for a bank loan.

What does PMEGP Scheme Offer?

Under the PMEGP Bank Loan Scheme, you can get a long term loan at a specific rate of interest along with a subsidy of a certain percentage over the project cost. The amount and other details depend on several factors.

The important details on the financial help under PMEGP are the following.

Loan Amount

The government of India offers PMEGP loan that relates to different sectors. You can get a loan up to Rs 10 Lakhs for the business and service sector and up to 25 lakh for the manufacturing business.

Self-investment

The PMEGP loan scheme gives you a facility to invest yourself in the business. For the general category, it offers self-investment at 10% and a special category to invest at 5%. The rest of the amount the government sanctions in the form of loans say 90 or 95 %.

Subsidy For PMEGP Loan

Rural: The PMEGP loan scheme provides you subsidy also so that you can get a certain percentage as a subsidy or marginal money from your business project. For rural area entrepreneurs, it is 25% for general category people and the special category, the subsidy is 35%.

Urban: In Urban areas, the PMEGP loan scheme provides a subsidy of 15% for General category people and 25% for special category entrepreneurs. Apart from the subsidy, the PMEGP provides loans at 11 or 12% annually. The repayment tenure can be 3 to 7 years as decided by the bank and the entrepreneur.

You can also avail a moratorium period of 6 months. The other guidelines are followed as laid by the Reserve Bank of India.

The PMEGP loan is a much-needed finance facility for every entrepreneur in India. The business usually has the growing needs so the financial aid can further be provided to expand the business if the repayment from your end is going smooth.

You can thus consider your convenience and avail loan from any bank or financial institution that is ready to offer the bank loan for your betterment.

Scope of PMEGP Scheme Loan

It is viable to get a bank loan for both technical and economical projects in India in both urban and rural areas along with additional subsidies. The maximum cost of the loan is Rs 25 Lakh for manufacturing hubs and Rs 10 Lakh for the business and service sector.

Only a single member of a family can avail of this loan facility. You can even avail of it for the latest and new business projects only.

If you wish to start the business on a negative list of the country, you are not eligible for the PMEGP bank loan.

Frequently asked questions on PMEGP Loan Documents

What are the documents required for PMEGP Loan?

Here is the complete list of the important PMEGP loan documents that you are required to submit before the bank.
Caste Certificate
Subsidy Forms
Business Plan
Certificate from the financial institution controller if there is no provision for working capital.
KYC documents to prove you are 18 years and above.

Can I get a Subsidy Under PMEGP Loan?

PMEGP is the loan scheme initiated by the Prime Minister Of India to provide financial aid to business, service and manufacturing units in India. You also get a cheap loan for 3 to 7 years along with a subsidy that is 5% for the general category and 10% for special category individuals in India.

Do I need ITR for PMEGP Loan?

You might need ITR for a PMEGP loan in India. It is mandatory if the loan amount is more. If the loan amount is less, it may be skipped but this depends on the choice of bank. If you are new in business or manufacturing business, you might not have ITR so the bank would decide what can be done in that case.

Which documents are needed for the PMEGP bank loan?

The important documents for a PMEGP loan are Pan Card, Adhaar Card, ID Proof, Passport, Water bill, telephone bill, electricity bill, the establishment of the business certificate, and many additional certificates that the bank might ask for. You will have to submit the category certificate as well.

What documents are required to apply for a PMEGP Loan?

Bank loan application form, Project report of PMEGP, Identity and address proof, caste certificate, entrepreneur development programme certificate, education pass certificate, and additional certificates as well.

Can We Apply for a PMEGP loan and what documents are required?

Any individual in India can apply for a PMEGP loan for business, service and manufacturing business and can avail of loans up to Rs 25 lakhs depending upon the eligibility. The age eligibility is 18 years and above. All the important documents have to be presented before the bank applies for the loan. The documents that are needed are:
Bank loan application form, Project report of PMEGP, Identity and address proof, caste certificate, entrepreneur development programme certificate, education pass certificate, and additional certificates as well.

What documents are needed for PMEGP Bank credit?

The important documents for a PMEGP loan are Pan Card, Adhaar Card, ID Proof, Passport, Water bill, telephone bill, electricity bill, the establishment of the business certificate, and many additional certificates that the bank might ask for. You will have to submit the category certificate as well.

Which documents to submit for PMEGP Mortgage?

Caste Certificate
Subsidy Forms
Business Plan
Certificate from the financial institution controller if there is no provision for working capital.
KYC documents to prove you are 18 years and above.

Which are the important documents for a bank loan?

The important documents for a PMEGP loan are Pan Card, Adhaar Card, ID Proof, Passport, Water bill, telephone bill, electricity bill, the establishment of the business certificate, and many additional certificates that the bank might ask for. You will have to submit the category certificate as well.

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