Auto Rickshaw aur E-Rickshaw ke Liye Mudra Loan 2026 — Bina Guarantee, Bina Collateral, Rs.5 Lakh Tak
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Loan Milega Ya Nahi? | CNG vs E-Rickshaw | Kitna Milega | Documents | Konsa Bank Best | Project Report | Apply Process | FAQ
Ramesh Bind Allahabad ke Naini area mein 6 saal se auto chalate hain.
CNG bill mahine ka Rs.6,000 aar par tha. Auto purana ho gaya — repair par Rs.2,000-3,000 mahine kharach ho raha tha. Roz subah uthke CNG pumpe ki line mein 45 minute.
Ek din neighbor ne bataya — “E-rickshaw lo. Charging ghar par hi hoti hai. Rs.15-20 mein full charge. Koi line nahi, koi pump nahi.”
Ramesh bhai ne calculate kiya — mahine ka Rs.5,000+ fuel savings. Loan ki EMI Rs.3,000 se kam. Net mein profit.
Lekin sawaal tha — bank loan dega? Documents kya lagun? Project report kahan se banau?
Yeh guide unke jaise hazaron log ke sawaalon ka jabab deta hai — ek ek cheez clearly, real numbers ke saath.
Quick Answer :
Auto rickshaw aur e-rickshaw ke liye Mudra loan milta hai —
Rs.50,000 (Shishu) se Rs.5 Lakh (Kishore) tak, bina collateral.
UCO Bank e-rickshaw ke liye sirf 9.85% interest rate offer
karta hai. Monthly EMI Rs.3,277 se shuru hoti hai. Documents
mein chahiye: Aadhaar, PAN, commercial DL, vehicle quotation,
Udyam Registration, aur project report. Apply karne ke 7-21
din mein loan approve ho jaata hai.
Is Post Mein Kya Milega:
✓ CNG Auto vs E-Rickshaw — loan perspective se full comparison
✓ Bank-wise real interest rates — UCO Bank 9.85% se SBI 12.15% tak
✓ Exact EMI calculation — vehicle price se down payment tak
✓ DSCR calculation — bank ka approval formula
✓ Documents complete list — koi miss mat karo
✓ Project report — kahan se banaye aur kya hona chahiye
✓ Step-by-step apply process
Kya Auto Rickshaw aur E-Rickshaw Ke Liye Mudra Loan Milta Hai?
Haan — officially, legally, 100% milta hai.
Pradhan Mantri Mudra Yojana (PMMY) ke official documents mein clearly likha hai — auto rickshaws, small goods transport vehicles, 3 wheelers, e-rickshaws, taxis — inke liye loan milta hai.
Yeh loan bina kisi collateral ke milta hai — matlab koi zameen, makaan, gold girwi nahi rakhna. CGFMU (Credit Guarantee Fund for Micro Units) guarantee deti hai bank ko.
57 crore se zyada Mudra loans disbursed ho chuki hain 2015 se — yeh ek tested, working scheme hai.
Ek important condition: Vehicle sirf commercial use ke liye honi chahiye. Personal use ke liye auto khareedne par yeh loan nahi milega.
Pehle Yeh Decide Karo — CNG Auto Ya E-Rickshaw?
Loan apply karne se pehle yeh sab se zaroori decision hai. Dono ke numbers clearly samjho:
2026 Mein CNG Auto ki Real Cost
| Model | Ex-Showroom | On-Road Total | Monthly CNG Bill |
|---|---|---|---|
| Bajaj RE Compact CNG | Rs.2,35,000 | Rs.2,65,000-2,80,000 | Rs.5,000-6,500 |
| Piaggio Ape City CNG | Rs.2,50,000 | Rs.2,80,000-3,00,000 | Rs.5,200-6,800 |
| TVS King Duramax CNG | Rs.2,40,000 | Rs.2,70,000-2,85,000 | Rs.5,000-6,200 |
On-road cost mein registration, insurance, RTO charges sab shaamil hain.
2026 Mein E-Rickshaw ki Real Cost
| Category | Price | Daily Range | Monthly Charging Cost |
|---|---|---|---|
| Basic (60-80 km/charge) | Rs.1,10,000-1,75,000 | Colony routes | Rs.900-1,200 |
| Mid-range (80-120 km/charge) | Rs.1,75,000-2,25,000 | City routes | Rs.1,000-1,500 |
| Premium (120-200+ km/charge) | Rs.2,25,000-3,75,000 | Long routes | Rs.1,200-1,800 |
Mahindra Treo Plus — India ka bestselling electric auto — Rs.2.5-3 Lakh ke beech milta hai, 150 km range ke saath.
Asli Comparison — Pocket Par Kya Padega?
Yeh table dhyan se padhiye — yahan sabse important numbers hain:
| Factor | CNG Auto | E-Rickshaw |
|---|---|---|
| Vehicle purchase cost | Rs.2.65-3 L | Rs.1.25-2.25 L |
| Loan amount (typical) | Rs.2-2.5 L | Rs.1-1.8 L |
| Monthly EMI (5 saal) | Rs.4,300-5,500 | Rs.2,100-3,800 |
| Monthly fuel/charging | Rs.5,000-6,500 | Rs.900-1,500 |
| Monthly maintenance | Rs.1,500-2,500 | Rs.400-800 |
| Total monthly fixed cost | Rs.10,800-14,500 | Rs.3,400-6,100 |
| Govt subsidy (FAME-II) | Zero | Rs.12,500 direct |
Monthly fixed cost mein Rs.7,000-8,000 ka fark hai — yeh ek saal mein Rs.84,000-96,000 savings hai.
Caveat: E-rickshaw colony routes aur city feeder routes ke liye best hai. Agar aap highway par chalate hain ya 80+ km daily route hai — CNG auto better option hai.
Kitna Loan Milega — Bank-by-Bank Real Numbers
Banks generally on-road price ka 85% se 90% tak loan dete hain. Baaki 10-15% down payment aapka.
CNG Auto Rickshaw Loan Calculation (Bajaj RE CNG)
| Component | Amount |
|---|---|
| On-road price | Rs.2,72,000 |
| Bank loan (90%) | Rs.2,44,800 |
| Aapka down payment | Rs.27,200 |
| Interest rate (SBI) | 12.15% p.a. |
| Tenure | 5 saal (60 months) |
| Monthly EMI | Rs.5,496 |
| Total interest paid | Rs.85,760 |
E-Rickshaw Loan Calculation (Mid-range model)
| Component | Amount |
|---|---|
| E-rickshaw on-road price | Rs.1,85,000 |
| FAME-II Govt subsidy (minus) | Rs.12,500 |
| Net cost after subsidy | Rs.1,72,500 |
| Bank loan (90%) | Rs.1,55,250 |
| Down payment | Rs.17,250 |
| UCO Bank interest rate | 9.85% p.a. |
| Tenure | 5 saal |
| Monthly EMI | Rs.3,277 |
| Total interest paid | Rs.41,370 |
UCO Bank specifically e-rickshaw ke liye 9.85% interest rate offer karta hai — yeh 2026 mein sabse competitive rate hai is vehicle type ke liye.
Auto Rickshaw Se Kitni Kamaai Hoti Hai — Real Data
Loan lene se pehle yeh samajhna zaroori hai ki EMI chukane ke baad haath mein kya bachega.
Quora, research papers aur drivers ke actual interviews se collected data:
Small Town / District Level (UP, Bihar, MP)
- Daily gross earning: Rs.700-1,100
- Working days/month: 25-26
- Monthly gross: Rs.17,500-28,600
City Level (Lucknow, Patna, Bhopal, Varanasi)
- Daily gross earning: Rs.900-1,500
- Working days/month: 26
- Monthly gross: Rs.23,400-39,000
E-Rickshaw Monthly Net Income After All Costs
| Item | Amount |
|---|---|
| Monthly gross (city, 26 days × Rs.1,000) | Rs.26,000 |
| Charging cost | Rs.1,200 |
| Maintenance | Rs.500 |
| Insurance (annual Rs.4,500 / 12) | Rs.375 |
| Permit/other | Rs.300 |
| EMI (UCO Bank 9.85%) | Rs.3,277 |
| Net Monthly Income | Rs.20,348 |
CNG Auto Monthly Net Income After All Costs
| Item | Amount |
|---|---|
| Monthly gross (city, 26 days × Rs.1,100) | Rs.28,600 |
| CNG fuel cost | Rs.5,800 |
| Maintenance | Rs.1,800 |
| Insurance | Rs.500 |
| Permit/other | Rs.300 |
| EMI (SBI 12.15%) | Rs.5,496 |
| Net Monthly Income | Rs.14,704 |
E-rickshaw mein Rs.5,644 per month zyada bachta hai — 5 saal mein Rs.3.38 Lakh extra savings, plus FAME-II subsidy Rs.12,500 alag se.
DSCR — Yeh Number Bank Sabse Pehle Dekhta Hai
DSCR 1.25 se upar hona chahiye approval ke liye. Auto rickshaw aur e-rickshaw loans mein DSCR naturally strong hota hai.
E-Rickshaw DSCR (Small town, conservative estimate)
Annual Net Income = Rs.20,348 × 12 = Rs.2,44,176
Annual EMI = Rs.3,277 × 12 = Rs.39,324
DSCR = Rs.2,44,176 ÷ Rs.39,324 = 6.21 ✅Bank minimum 1.25 chahta hai — aapka 6.21 hai. Approval almost guaranteed.
Documents — Complete List (Koi Document Miss Mat Karo)
Personal Documents
| Document | Note |
|---|---|
| Aadhaar Card | Original + 2 self-attested copies |
| PAN Card | Compulsory for loan above Rs.50,000 |
| 2 Passport Size Photos | 6 mahine se purani nahi |
| Driving License | Neeche important note padhein |
Driving License — Sabse Common Rejection Reason
CNG/Petrol Auto: Commercial vehicle license with badge compulsory hai. Regular DL se loan reject hoga — bank pehle yeh check karta hai. Agar nahi hai — pehle badge DL banwao, phir loan apply karo. Badge DL ke liye RTO mein Rs.500-600 fee + 1-2 din process.
E-Rickshaw: 7.5 kW tak ke vehicles ke liye kuch states mein regular DL kafi hai. Lekin yeh state-specific hai — apply karne se pehle apne local RTO se confirm karo.
Business Documents
| Document | Kahan Se | Time | Cost |
|---|---|---|---|
| Vehicle Quotation | Authorized dealer | 1 din | Free |
| Udyam Registration | udyamregistration.gov.in | 10-15 min | Free |
| Project Report | MudraReady.in | 30 min | Rs.399 |
Bank-Specific Extra Documents (Rs.2 Lakh+)
- Last 2 saal ka ITR ya bank statement (6 months)
- Existing business walo ke liye: past income proof
Important: Udyam Registration 2026 mein bank loan ke liye compulsory hai. Online free mein 10 minute mein ban jaata hai. Aadhar OTP se verify hota hai.
Konsa Bank Best Hai — 2026 Real Interest Rates
| Bank | Interest Rate | Special Feature |
|---|---|---|
| UCO Bank | 9.85% | E-rickshaw dedicated scheme — lowest rate |
| Union Bank | 10.30-11.75% | Women ko 0.25% extra concession |
| PNB | 10.50-11.75% | North India mein fast processing |
| Bank of Baroda | 10.75-12% | Rural branches strong |
| SBI | ~12.15% | Largest network, 7 saal tenure option |
| RRBs | 11-13% | Best for villages, minimal docs |
UCO Bank E-Rickshaw Mudra Loan — Special Scheme
UCO Bank ne first-generation entrepreneurs ke liye specifically e-rickshaw loan scheme banai hai:
- Interest: 9.85% (UCO Float Rate 9.30% + 0.55%)
- Collateral: Zero — CGFMU/CGTMSE guarantee
- Insurance: Comprehensive policy with bank clause compulsory
- Moratorium: Interest during moratorium period serve karna hoga
Nearest UCO Bank branch mein specifically “E-Rickshaw under MUDRA Scheme” maango — yeh generic Mudra loan se alag hai.
SBI Ka Advantage
SBI up to Rs.10 lakh tak loan deta hai 7 saal tenure ke saath — agar aapko fleet banana hai ya expensive model lena hai toh SBI better option hai. Plus SBI ka network India mein sabse bada hai.
Project Report — Bank Counter Par First Question Yahi Hoga
SBI, UCO, PNB — sabne project report maangi. Bina iske loan form counter se return ho jaata hai.
Project report mein yeh hona chahiye:
- Vehicle ka complete cost (on-road, insurance, registration)
- Daily expected earning — realistic figure
- Monthly expenses — fuel/charging, maintenance, permit, insurance
- DSCR calculation — bank ka key approval metric
- 5-saal ka EMI repayment schedule
- Sensitivity analysis — agar earning 10% kam rahi toh kya hoga?
Option 1 — CA se banwao:
Rs.2,000 – Rs.5,000 + 3-7 din wait
Option 2 — MudraReady par banao:
Rs.399 mein, 30 minute mein, email par PDF
Form mein “Auto / E-Rickshaw / Taxi” select karo. Vehicle cost, daily earnings, expenses daalo. DSCR, EMI schedule, P&L statement, Cash Flow — sab automatically CMA format mein generate hoga — exactly waise jaisa bank maangta hai.
👉 Project Report Banao — Rs.399, 30 Minute
Apply Process — Step by Step
Step 1 — Documents Ready Karo (1-2 din)
DL check karo pehle — commercial badge hai ya nahi. Dealer se vehicle quotation lo.
Step 2 — Udyam Registration (15 min, free)
udyamregistration.gov.in → OTP verify → certificate download. 2026 mein compulsory hai.
Step 3 — Project Report Banao (30 min, Rs.399)
mudraready.in → “Auto/E-Rickshaw/Taxi” select → realistic numbers daalo → PDF download.
Step 4 — Bank Choose Karo
E-rickshaw ke liye UCO Bank → 9.85% | CNG auto ke liye SBI ya PNB
Step 5 — Branch Visit
Mudra loan form maango. Documents + quotation + Udyam + project report attach karo. Submit karo.
Step 6 — Verification (7-21 working days)
Bank officer quotation verify karega. Kabhi kabhi vehicle dealer par ya ghar par field visit bhi aati hai. Normal process hai — ghabrana nahi.
Step 7 — Disbursement
Approval ke baad loan seedha dealer ko ya aapke account mein. Vehicle kharido. Roz kamaai shuru.
Ramesh Bhai Ka Decision- For Auto Rickshaw Mudra Loan
Ramesh bhai ne numbers dekhe.
CNG auto: On-road Rs.2,72,000, EMI Rs.5,496, fuel Rs.5,800/month. Total fixed cost Rs.11,296.
E-rickshaw: On-road Rs.1,85,000 minus Rs.12,500 FAME subsidy = Rs.1,72,500. UCO Bank loan, EMI Rs.3,277, charging Rs.1,200/month. Total fixed cost Rs.4,477.
Monthly mein Rs.6,819 ka fark. Ek saal mein Rs.81,828 extra savings.
5 saal mein Rs.4+ Lakh extra — loan khatam hone ke baad bhi monthly Rs.1,200 hi kharcha hoga, instead of Rs.5,800.
Unne UCO Bank mein apply kiya. MudraReady ki project report le gaye. 12 din mein loan approve hua. Mahindra Treo e-rickshaw kharida. Ab ghar par charge hoti hai raat ko. Subah seedha route par.
Aapki kahaani bhi yahi ho sakti hai.
👉 Apni Project Report Banao — Rs.399 mein, 30 Minute mein
Koi sawaal ho? WhatsApp karein: 7888513976
Yeh Bhi Zaroor Padhein
- Mudra Loan Reject Kyun Hota Hai — 7 Galtiyan Jo Avoid Karein
- DSCR Kya Hota Hai — Bank Loan Approve Hone Ka Sabse Bada Secret
- SBI Mudra Loan Kaise Milega — Complete Process 2026
- Mudra Loan Documents List 2026 — Ek Bhi Miss Mat Karo
- UP Mein Mudra Loan Kaise Milega 2026
Disclaimer: Interest rates aur vehicle prices market conditions ke hisaab se change hote hain. Bank se apply karne se pehle latest rates confirm karein. Loan approval bank ki internal credit policy aur applicant ke profile par depend karta hai. FAME-II subsidy availability government notification ke hisaab se change ho sakti hai.
FAQ: Auto Rickshaw Mudra Loan 2026
Auto rickshaw ke liye Mudra loan kitna milta hai?
5 Lakh tak milta hai bina collateral ke. Banks on-road price ka 90% tak fund karte hain — matlab Bajaj RE CNG (Rs.2.72 Lakh on-road) ke liye Rs.2.44 Lakh loan aur sirf Rs.27,200 down payment.
E-rickshaw ke liye sabse kam interest rate konse bank ka hai 2026 mein?
UCO Bank 2026 mein e-rickshaw ke liye sabse kam 9.85% interest rate offer karta hai apni dedicated “E-Rickshaw under MUDRA Scheme” ke through. Monthly EMI Rs.1.55 Lakh loan par sirf Rs.3,277 hoti hai 5 saal ke liye.
Auto rickshaw Mudra loan ke liye konse documents chahiye?
Aadhaar Card, PAN Card, 2 passport photos, commercial driving license with badge (CNG auto ke liye), vehicle dealer quotation, Udyam Registration (free, online), aur project report. Bina project report ke bank file accept nahi karta.
Kya e-rickshaw ke liye government subsidy milti hai?
Haan — PM E-DRIVE scheme ke under FAME-II subsidy Rs.2,500 per kWh battery capacity milti hai, capped at Rs.12,500 per vehicle. Yeh subsidy dealer automatically deduct karta hai vehicle price se — alag se apply nahi karna.
Auto rickshaw Mudra loan approve hone mein kitna time lagta hai?
Documents complete hone par 7 se 21 working days mein loan approve ho jaata hai. Strong project report aur realistic income figures se approval faster hoti hai. UCO Bank aur PNB North India mein relatively fast processing karte hain.
