Barber Shop Loan 2026: Mens Salon aur Unisex Salon Ke Liye Mudra, PMEGP aur PM Vishwakarma Mein Kaunsa Raasta Sahi Hai
Barber shop loan aur mens salon loan kaise milega? Mudra, PMEGP, PM Vishwakarma, EMI aur DSCR Hinglish mein. Pehli report free.
Sandeep Verma ke haath mein kainchi thi, aur jeb mein sirf Rs.9,000 ki tankhwah.
Kanpur ki ek gali mein, kisi aur ki dukaan par, Sandeep 27 saal ka hone tak sirf baal kaat raha tha. Roz 20 se 25 customer. Har customer se dukaan ke malik ko Rs.100 se Rs.150 milte, aur Sandeep ko mahine ke end mein Rs.9,000. Usne ek din hisaab lagaya aur chup ho gaya. Jo kamai wo roz ginta tha, uska zyada hissa kisi aur ke gulle mein ja raha tha.
Uska sapna chhota tha: apni khud ki dukaan, teen chair, ek AC, aur shaam ko lagi hui line. Budget Rs.5 lakh ka bana. Savings Rs.60,000 ki thi.
Usne ek hi hafte mein do jagah arzi laga di. Ek, PM Vishwakarma mein kyunki wo ek "naai" (barber) hai. Doosri, ek bank mein Mudra loan ke liye. Hafte bhar baad ek jagah se call aaya: "Aapne dono scheme mein apply kar diya hai, ek hi chalegi."
Sandeep ko samajh nahi aaya ki galti kahan hui. Paise ki kami nahi thi. Galti thi ek aise darwaze ko pehle chunne ki, jiski shartein usne padhi hi nahi thi. Is guide mein hum teeno raaste, rupaye ke hisaab ke saath, ek-ek karke kholenge, taaki aap woh galti na karo.
(Yeh kahani kalpanik hai. Naam aur jagah udaharan ke liye hain.)
QUICK ANSWER
Barber shop loan ya mens salon loan teen raaston se mil sakta hai. Pehla, Mudra (PMMY): Shishu 50,000 tak, Kishor 50,001 se 5 lakh, Tarun 5 se 10 lakh, aur Tarun Plus 10 se 20 lakh (sirf Tarun chukane walon ke liye). Doosra, PMEGP: salon ek service activity hai, isliye naye project par subsidy mil sakti hai (service ke liye maximum project cost Rs.20 lakh, subsidy 15% se 35% category aur area ke hisaab se). Teesra, PM Vishwakarma: barber (naai) 18 trades mein hai, Rs.15,000 ka toolkit aur 5% par Rs.1 lakh phir Rs.2 lakh tak ka loan, par isme PMEGP, PM SVANidhi ya Mudra pehle liya ho to eligibility ka sawal uthta hai. Bank DSCR minimum 1.25 dekhta hai. Is post ke hisaab mein 11% interest udaharan hai; asli rate bank tay karta hai.
1. Barber shop loan kya hai aur kaun apply kar sakta hai
Barber shop loan koi ek alag sarkari scheme ka naam nahi hai. Yeh ek tarah ka business loan hai, jo aap ek salon ya barber shop lagane ke liye lete ho. Is paise se aap chair, mirror, basin, AC, tools aur interior banate ho, aur shuru ke kuch mahine ka kharcha nikalte ho. Bank ya NBFC aapke project ko dekhkar term loan deta hai, aur kabhi-kabhi thoda working capital bhi.
Isliye jab koi poochta hai "mens salon loan ya unisex salon loan kaise milta hai", sahi jawab teen sawaalon mein tootta hai: kis scheme se lena hai, kitni raqam ka project banta hai, aur bank ko apni kamai kaise dikhani hai.
Kaun apply kar sakta hai? Aam taur par:
- 18 saal ya usse upar ka koi bhi Indian citizen, jo naya salon ya barber shop lagana chahta hai ya chal rahi dukaan badhana chahta hai.
- Proprietorship, partnership ya SHG jaisi koi bhi structure, scheme ke hisaab se.
- Dukaan ki jagah apni ho, ya registered rent agreement ke saath kiraye ki ho.
- Pichhla loan default na ho, aur credit history saaf ho.
- Kuch schemes mein training ya certificate zaroori hota hai, jaise PMEGP mein EDP training.
Mudra non-farm, non-corporate chhote units ke liye hai, aur service sector mein salon bhi aate hain. Phir bhi kaun sa bank ise kis head mein sanction karta hai, yeh branch par depend karta hai. Isliye pehla kaam: branch manager se poochho ki wo salon ke liye Mudra, PMEGP ya doosre kaunse product mein loan dete hain.
Hum yahan sirf mens salon, barber shop aur unisex salon par baat kar rahe hain. Agar aap sirf ladies parlour ke liye loan dekh rahe ho, to uska alag guide hamare paas pehle se hai: https://mudraready.in/blog/beauty-parlour-loan-scheme-english
2. Mens salon, barber shop ya unisex salon: loan ke nazariye se kya farq hai
Bank ke liye teeno ek hi tarah ke service business hain. Phir bhi project report banate waqt farq dikhana padta hai, kyunki cost aur kamai badal jaati hai.
Barber shop: Sabse chhota setup. 2 se 3 chair, mirror, basic tools. Kharcha kam, par bill bhi chhota. Ek customer se aam taur par haircut aur shave ka paisa aata hai. Kamai footfall par tiki hoti hai.
Mens salon: Thoda bada, AC ke saath. Haircut ke alawa beard styling, hair colour, facial aur head massage jaise add-on milte hain. Ticket size badhta hai, par setup aur kiraya bhi.
Unisex salon: Mens aur ladies dono. Customer base badhta hai, par equipment, products aur trained staff ki zarurat bhi. Yahan interior, privacy aur alag section bhi sochna padta hai.
Salon business loan ke liye iska matlab: agar aap pehli baar dukaan khol rahe ho, to bank ko aksar chhota aur seedha plan zyada pasand aata hai. Saath hi bank yeh dekhta hai ki aap jo kamai dikha rahe ho wo asli hai ya nahi. Isliye Rs.130 ka average bill ya roz 22 customer jaise numbers apne mohalle ke hisaab se likho, kisi doosre shehar ke nahi.
3. Setup cost: Rs.5 lakh ka poora hisaab
Neeche ek chhote mens salon ka udaharan hai: 4 chair, AC, aur kiraye ki dukaan jo tier-2 shehar mein hai. Yeh sab figures udaharan hain, kisi dealer ka quote nahi. Aapke shehar ke rate alag honge. Dealer se written quotation zaroor lo.
Table 1: Fixed cost, 4 chair wala mens salon (udaharan)
| Item | Cost (Rs.) |
|---|---|
| Salon chair, 4 x Rs.12,000 | 48,000 |
| Mirror aur wall units | 32,000 |
| Shampoo basin aur plumbing | 25,000 |
| Interior, paint, lighting, false ceiling | 65,000 |
| Tools (clippers, trimmers, scissors, dryers, sterilizer) | 45,000 |
| Reception counter aur waiting sofa | 20,000 |
| AC, electrical aur inverter | 55,000 |
| Signboard aur branding | 20,000 |
| Total fixed cost | 3,10,000 |
Table 2: Working capital, shuru ke mahino ke liye (udaharan)
| Item | Cost (Rs.) |
|---|---|
| Shop ka security deposit | 60,000 |
| Shampoo, colour, creams, disposables | 40,000 |
| Udyam, licence aur registration | 5,000 |
| Launch marketing aur offers | 15,000 |
| 3 mahine ka buffer (rent, bijli, staff) | 70,000 |
| Total working capital | 1,90,000 |
Total project cost = Rs.3,10,000 + Rs.1,90,000 = Rs.5,00,000 (udaharan).
PMEGP ke hisaab se working capital project cost ke 40% se zyada nahi hona chahiye. Yahan 1,90,000 / 5,00,000 = 38% hai, yaani limit ke andar. Yeh ek chhoti si baat hai, par bank ke officer is par dhyan dete hain.
Ab financing samjho. Maan lo aap 10% yaani Rs.50,000 khud lagate ho. Bank se Rs.4,50,000 ka loan chahiye. Sandeep ke paas Rs.60,000 the, isliye uska case bhi isi dayre mein baitha.
Ek aur cheez jo log bhool jaate hain: security deposit. Kiraye ki dukaan mein 3 se 6 mahine ka deposit aam hai aur ye project cost ka hissa hai. Isko hisaab mein daalo, warna bank ko lagega ki project adhoora hai.
Apne business ke numbers ke saath poori project report 10 minute mein banani ho to pehle sample dekh lo: https://mudraready.in/sample-report
4. Teen raaste: Mudra, PMEGP aur PM Vishwakarma
Barber shop loan ke liye teen alag raaste hain. Inme se sabhi ek saath nahi chalte. Isliye pehle fark samjho, phir ek chuno.
RAASTA 1: Mudra (PMMY)
Mudra ki categories aaj ke hisaab se: Shishu (50,000 tak), Kishor (50,001 se 5 lakh), Tarun (5 se 10 lakh) aur Tarun Plus (10 se 20 lakh, sirf unke liye jinhone pehle Tarun loan successfully chuka diya ho). Budget 2024-25 ke baad Mudra loans ka guarantee cover CGFMU (Credit Guarantee Fund for Micro Units) ke under Rs.20 lakh tak ke loans par hai. Mudra ka interest rate fixed nahi hota; lender tay karta hai. Ek 2026 ki explainer ke hisaab se Tarun aur Tarun Plus par aam taur par 11.15% se 20% ke beech rate dikhte hain. Chhote loan par rate usi range ke aas-paas ya bank ke hisaab se kam bhi ho sakta hai.
Mudra ka fayda: seedha bank ya NBFC se process hota hai, subsidy ka wait nahi. Nuksaan: koi capital subsidy nahi milti, poora loan chukana padta hai.
RAASTA 2: PMEGP
PMEGP (Prime Minister's Employment Generation Programme) manufacturing aur service dono ke naye projects ke liye hai. Salon service sector mein aata hai. Service activity ke liye maximum project cost Rs.20 lakh hai. Is par margin money subsidy milti hai: general category mein shehar mein 15% aur gaon mein 25%; special category mein shehar mein 25% aur gaon mein 35%. Apna yogdaan general mein 10% aur special mein 5%. Baaki 90% ya 95% bank finance karta hai. Yeh scheme sirf naye project ke liye hai. Chal rahi dukaan ko expansion ke liye PMEGP nahi milta.
Dhyan do: PMEGP mein ek hi parivaar ka ek hi sadasya apply kar sakta hai, aur pehle EDP training lena padta hai. Salon ki activity PMEGP ki list mein aati hai ya nahi, yeh apne DIC (District Industries Centre) ya KVIC se likhit mein confirm karo.
RAASTA 3: PM Vishwakarma
Barber (naai) PM Vishwakarma ke 18 traditional trades mein se ek hai. Is scheme mein toolkit, training stipend aur concessional loan ek saath milte hain. Yeh sirf wahi log le sakte hain jo hath ke kaam wale traditional artisans hain. Detail agle section mein hai.
Table 3: Teeno raaston ka tulna
| Point | Mudra | PMEGP | PM Vishwakarma |
|---|---|---|---|
| Kya milta hai | Term loan + working capital | Loan + capital subsidy | Toolkit, stipend, 5% par loan |
| Maximum | Rs.20 lakh tak (Tarun Plus) | Rs.20 lakh (service project cost) | Rs.1 lakh phir Rs.2 lakh |
| Subsidy | Nahi | 15% se 35% | 5% rate par (sarkar baaki interest deti hai) |
| Naya ya chalu | Dono | Sirf naya project | Chalu ya naya, trade ke hisaab se |
| Zaroori shart | Repayment capacity, DSCR | EDP training, DIC | Barber ke roop mein registration |
| Ek saath lena | PM Vishwakarma ke saath mushkil | Alag-alag scheme se poochho | Pehle ka Mudra/PMEGP loan rukawat |
Is table se ek nateeja nikalta hai: agar aapko Rs.1 lakh ya Rs.2 lakh mein kaam chalana hai aur aap kisi aur sarkari credit scheme ka loan abhi tak nahi liye, to PM Vishwakarma sasta padta hai. Agar aapko 4 chair wala poora salon chahiye, jo Rs.5 lakh ka hai, to Mudra ya PMEGP ka raasta asli hai.
5. PM Vishwakarma mein barber ko kya milta hai
PM Vishwakarma 17 September 2023 ko shuru hui. Iska outlay Rs.13,000 crore hai aur yeh FY 2023-24 se FY 2027-28 tak chalegi. Barber (naai) iske 18 trades mein hai. Is scheme mein ek barber ko ye milta hai:
- Rs.15,000 ka toolkit (e-voucher ke roop mein), jisse clippers, scissors jaise basic tools kharide ja sakte hain.
- Training ke dauran Rs.500 prati din ka stipend.
- Pehli tranche mein Rs.1 lakh ka collateral-free loan (18 mahine ke liye), aur doosri tranche mein Rs.2 lakh (30 mahine ke liye). Interest 5% hota hai, aur sarkar 8% tak ka subvention deti hai.
Table 4: PM Vishwakarma loan, udaharan EMI (5%)
| Tranche | Raqam | Avadhi | Udaharan EMI | Total interest |
|---|---|---|---|---|
| Pehli | Rs.1,00,000 | 18 mahine | Rs.5,778 | Rs.4,005 |
| Doosri | Rs.2,00,000 | 30 mahine | Rs.7,106 | Rs.13,176 |
(EMI figures udaharan hain, simple amortisation maan kar. Asli repayment schedule bank dega.)
Yeh scheme sasti hai, par iski seema bhi hai. Rs.1 se 2 lakh mein ek chhota barber shop shuru ho sakta hai, par 4 chair ka AC wala mens salon nahi. Doosri baat: scheme ke niyam ke hisaab se jinhone pehle PMEGP, PM SVANidhi ya Mudra jaise credit-based sarkari scheme ka loan liya ho, unki eligibility mein dikkat aa sakti hai. Isliye pehle yeh tay karo ki aapko chhota sasta raasta chahiye ya bada project. Dono ek saath mat chhedo, warna Sandeep jaisa hoga. Final eligibility pmvishwakarma.gov.in par check karo.
6. PMEGP mein subsidy kitni, aur kab aati hai
Maan lo aapka project Rs.5 lakh ka hai. Is par PMEGP subsidy ka asar udaharan se dekho:
Table 5: Rs.5 lakh ke salon project par PMEGP subsidy (udaharan)
| Category aur area | Subsidy % | Subsidy (Rs.) | Apna yogdaan |
|---|---|---|---|
| General, shehar | 15% | 75,000 | 10% = 50,000 |
| General, gaon | 25% | 1,25,000 | 10% = 50,000 |
| Special, shehar | 25% | 1,25,000 | 5% = 25,000 |
| Special, gaon | 35% | 1,75,000 | 5% = 25,000 |
Subsidy aam taur par bank ke through margin money ke roop mein aati hai. PMEGP mein yeh subsidy bank ke paas ek tay avadhi ke liye jama rakhi jati hai, iske baad loan account mein adjust hoti hai. Exact lock-in period aur process apne bank aur KVIC portal se confirm karo.
Matlab category aur area ka sahi fayda lene se loan ka bojh kaafi ghat sakta hai. Rs.4.5 lakh ke loan par general shehar mein 75,000 ki subsidy ke baad net bojh lagbhag Rs.3.75 lakh ka rehta hai, jabki special gaon mein Rs.1.75 lakh ki subsidy ke baad lagbhag Rs.2.75 lakh. Application mein category aur area saaf likho, kyunki beech mein badalna aksar mumkin nahi hota.
7. Kamai aur DSCR: bank asal mein kya check karta hai
DSCR (Debt Service Coverage Ratio) ka matlab hai: aapka business saal bhar mein jitna cash banata hai, wo saal bhar ki kisht (principal plus interest) ke kitne guna hai. Bank minimum 1.25 maanta hai, jab tak uska apna rule alag na ho.
Barber shop loan aur salon business loan ke DSCR ki khaas baatein:
- Salon ek service business hai. Kamai footfall aur average bill par tiki hoti hai, aur kharcha (rent, bijli) fixed hota hai. Isliye footfall girne par DSCR tezi se girta hai.
- Staff ko commission par rakhne se kharcha kamai ke saath upar-neeche hota hai. Fixed salary par rakhne se risk badhta hai. Hum yahan staff commission 27% maan rahe hain (udaharan).
- Owner ka khud ka kaam bhi ek kharcha hai. Isliye hum mahine ka Rs.10,000 owner drawing kharcha maan rahe hain.
- Interest ko double count nahi karna. EMI mein interest pehle se hota hai.
Table 6: Mahine ki kamai aur kharcha (udaharan)
| Item | Rupaye (mahina) |
|---|---|
| Bikri: 22 customer x Rs.130 x 26 din | 74,360 |
| Staff commission (27%) | 20,077 |
| Shampoo, colour, consumables (8%) | 5,949 |
| Shop ka kiraya | 12,000 |
| Bijli | 3,500 |
| Chhote kharche aur repair | 3,000 |
| Owner drawing | 10,000 |
| Total kharcha | 54,526 |
| Operating profit (interest aur depreciation se pehle) | 19,834 |
Saal ka operating profit = Rs.19,834 x 12 = Rs.2,38,008 (udaharan). Customer ki sankhya aur average bill dono udaharan hain. Apne mohalle ki asli footfall se badlo.
Table 7: DSCR working, Rs.4.5 lakh loan, 11%, 5 saal (udaharan)
| Item | Rupaye (Year 1) |
|---|---|
| Operating profit | 2,38,008 |
| Depreciation (udaharan) | 40,000 |
| Interest, pehle saal | 45,969 |
| Net profit (tax nil maan kar) | 1,52,039 |
| Numerator: Net profit + Depreciation + Interest | 2,38,008 |
| Principal, pehle saal | 71,440 |
| Annual EMI = Principal + Interest | 1,17,409 |
| Denominator: Annual EMI (interest dobara nahi joda) | 1,17,409 |
| DSCR = 2,38,008 / 1,17,409 | 2.03 |
Dhyan do: denominator mein sirf annual EMI hai, jisme interest pehle se shamil hai. Alag se interest jodne par DSCR galat (kam) dikhega.
Ab asli test. Salon mein sabse bada jhatka footfall girne ka hota hai: nayi dukaan paas mein khul gayi, ya mausam, shaadi ka season ya festival ke baad. Chaliye dekhte hain agar bikri 10, 20 ya 30% girti hai. Staff commission aur consumables bikri ke saath ghat jaate hain, par rent, bijli aur owner drawing wahi rehte hain.
Table 8: Sensitivity, bikri girne par DSCR (udaharan)
| Bikri mein girawat | Bikri (Rs./saal) | Cash accrual (Rs.) | DSCR, 5 saal (EMI 1,17,409) | DSCR, 7 saal (EMI 92,461) |
|---|---|---|---|---|
| 0% | 8,92,320 | 2,38,008 | 2.03 | 2.57 |
| 10% | 8,03,088 | 1,80,007 | 1.53 | 1.95 |
| 20% | 7,13,856 | 1,22,006 | 1.04 | 1.32 |
| 30% | 6,24,624 | 64,006 | 0.55 | 0.69 |
Barber shop loan ke liye padho isse: 20% girawat par 5 saal wale loan ka DSCR 1.04 hai, jo 1.25 ke minimum se neeche hai. Wahi loan agar 7 saal ka ho, to DSCR 1.32 rehta hai. Yaani tenure badhane se bank ko comfort milta hai. 30% girawat par dono mein DSCR 1 se neeche hai, yaani kisht kamai se nahi niklegi. Isliye project report mein sensitivity table khud dikha do aur batao ki footfall girne par aap kya karoge: offer, membership, ya rent kam karne ki baat. Bank officer ko lagta hai ki aapne risk socha hai.
DSCR par aur gehri jaankari: https://mudraready.in/blog/dscr-calculation-for-mudra-loan aur apna DSCR khud check karo: https://mudraready.in/dscr-calculator
8. EMI table: 11% par kitna bojh
Salon loan ki EMI ke liye 11% udaharan rate liya gaya hai. Aapka asli rate bank ke hisaab se alag hoga, aur tenure bhi.
Table 9: EMI aur total interest (11%, udaharan)
| Loan amount | Tenure | Monthly EMI | Total interest |
|---|---|---|---|
| Rs.1,00,000 | 5 saal | Rs.2,174 | Rs.30,455 |
| Rs.2,00,000 | 5 saal | Rs.4,348 | Rs.60,909 |
| Rs.3,00,000 | 5 saal | Rs.6,523 | Rs.91,364 |
| Rs.4,50,000 | 5 saal | Rs.9,784 | Rs.1,37,045 |
| Rs.4,50,000 | 7 saal | Rs.7,705 | Rs.1,97,228 |
| Rs.5,00,000 | 7 saal | Rs.8,561 | Rs.2,19,142 |
Mens salon loan mein tenure 7 saal karne se EMI ghatti hai (Rs.4.5 lakh par Rs.2,079 mahina), par total interest lagbhag Rs.60,000 zyada ho jata hai. Salon jaise service business mein, jahan kamai upar-neeche hoti hai, kam EMI aksar zyada kaam ki hoti hai. Apne numbers daal ke dekho: https://mudraready.in/business-loan-emi-calculator
9. Documents ki list
Table 10: Documents (udaharan, bank ke hisaab se badal sakta hai)
| Document | Kahan se | Mandatory? |
|---|---|---|
| Aadhaar aur PAN | Aapke paas | Haan |
| Passport size photo | Photo studio | Haan |
| Dukaan ka ownership proof ya registered rent agreement | Owner / sub-registrar | Haan |
| Udyam registration | udyamregistration.gov.in (free) | Haan, aksar banks maangte hain |
| Project report (cost, income, DSCR, sensitivity) | Khud ya MudraReady | Haan, sabse pehle dekhi jaati hai |
| Dealer quotation (chair, AC, tools) | Dealer | Haan |
| Bank statement, 6 mahine | Aapka bank | Haan |
| Address proof | Aadhaar, bijli bill | Haan |
| Caste certificate (SC/ST/OBC), agar category ka fayda lena ho | Tehsil / SDM | Sirf us case mein |
| EDP training certificate | KVIC / DIC approved agency | PMEGP ke liye |
| Shop / trade licence | Nagar palika / municipal body | State ke hisaab se |
| PM Vishwakarma registration ID | pmvishwakarma.gov.in | Sirf us scheme ke liye |
Name, address aur date of birth har kagaz mein bilkul same rakho. Chhoti galti bhi baad mein badi dikkat bana deti hai.
10. Step-by-step process
Step 1: Pehle tay karo ki barber shop chahiye, mens salon ya unisex salon. Footfall, jagah aur budget ke hisaab se.
Step 2: Teeno raaston mein se ek chuno: Mudra, PMEGP ya PM Vishwakarma. Dono ek saath mat chhedo, kyunki eligibility ek doosre ko rok sakti hai.
Step 3: Branch manager ya DIC se poochho ki salon unke yahan kis product mein sanction hota hai. Likhit mein ya email par jawab lo.
Step 4: Dealer se chair, mirror, AC aur tools ki written quotation lo. Dukaan ka rent agreement final karo.
Step 5: Salon project report banao: cost table, income, DSCR, sensitivity. Pehli report free banti hai: https://mudraready.in/reports/new
Step 6: Udyam registration karo (free) aur sab documents ek file mein rakho.
Step 7: PMEGP ke liye KVIC portal par online application do aur EDP training book karo. Mudra ke liye seedha bank mein. PM Vishwakarma ke liye pmvishwakarma.gov.in par.
Step 8: Bank mein mens salon loan ki application do aur apna CIBIL score pehle se check kar lo.
Step 9: Sanction ke baad equipment lagao, photo lo aur bills sambhal ke rakho. Verification mein yehi kaam aata hai.
Step 10: Har 10 se 15 din mein branch aur DIC se status pooch lo, aur subsidy ka timeline likhit mein lo.
11. MudraReady project report: ek line mein
Agar aap barber shop loan ke liye salon project report khud likhne mein atak rahe ho, to MudraReady par apne salon ke numbers daalkar bank-ready report 10 minute mein bana sakte ho. Pehli report free hai.
Rejection Ke Udaharan: Bank Ne Kya Kaha Aur Fix Kya Hai
Yeh cases udaharan ke liye hain.
Case 1: Deepak, 31, Raipur
Kya hua: Usne do saal pehle ek Shishu Mudra loan liya tha, aur ab PM Vishwakarma ke liye apply kiya.
Bank ne kya kaha: "Aapki eligibility is scheme ke niyam ke hisaab se confirm nahi ho rahi."
Exact fix: Pehle pmvishwakarma.gov.in par eligibility ki shartein padho aur apne purane loan ki status check karo. Agar yeh raasta band hai, to apne bank se naya Mudra Kishor loan ya PMEGP ka project banao. Ek hi baar mein galat darwaze par mat jao.
Case 2: Salman, 29, Bhopal
Kya hua: Uski dukaan teen saal se chal rahi thi. Usne usi ko "naya project" dikha kar PMEGP mein apply kiya.
Bank ne kya kaha: "PMEGP naye project ke liye hai, chalu unit ke liye nahi."
Exact fix: Chal rahi dukaan ke expansion ke liye Mudra Kishor ya Tarun lo. PMEGP tabhi socho jab aap bilkul naya unit, naye jagah par, alag se lagao aur DIC likhit mein haan kahe.
Case 3: Rakesh, 35, Jodhpur
Kya hua: Dukaan kiraye ki thi, par rent agreement sirf zubani tha.
Bank ne kya kaha: "Jagah ka registered rent agreement chahiye."
Exact fix: Registered ya notarised rent agreement banwao, jisme owner ki NOC ho. Agreement ki avadhi loan tenure ke aas-paas honi chahiye. Jagah ka proof bank ki pehli demand hoti hai.
Case 4: Nitin, 24, Indore
Kya hua: Uske project report mein roz 40 customer aur Rs.200 ka average bill likha tha, jabki uske mohalle mein 3 aur salon the.
Bank ne kya kaha: "Yeh footfall aur bill realistic nahi lagte. Aapka DSCR kagaz par hi acha hai."
Exact fix: Apne mohalle ka asli footfall dekho. 20 se 25 customer aur Rs.120 se Rs.150 ka bill jaisa conservative assumption lo, aur sensitivity table report mein khud dikha do.
Case 5: Mohit, 26, Guwahati
Kya hua: Uske credit card ki kuch kishton ka bhugtan late hua tha, aur CIBIL score kam tha.
Bank ne kya kaha: "Credit history ke karan abhi loan sanction nahi ho sakta."
Exact fix: Pehle purani dues chukao, credit report mein galtiyan hon to unhe sudharwao, aur kuch mahine score sudharne do. Phir chhote Shishu ya Kishor loan se shuru karo. Har bank ka rule alag hota hai, isliye branch se pooch lo.
Aur bhi aam reasons ke liye padho: https://mudraready.in/blog/why-banks-reject-mudra-loans
Fraud Se Kaise Bachein
Mudra ya sarkari loan ke naam par fake call, WhatsApp, letter aur "processing fee" ka fraud chal raha hai. PM Vishwakarma aur toolkit jaise naam par bhi log "toolkit ka paisa turant" bata kar jaal bichhate hain.
- Mudra koi agent ya middleman appoint nahi karta.
- Approval WhatsApp ya social media se nahi aata.
- Loan sirf bank, NBFC ya MFI ke through milta hai, aur approval ke liye koi advance fee nahi lagti.
- PM Vishwakarma ka registration sirf official portal ya CSC ke through hota hai. Koi "toolkit release fee" maange to samajh jao fraud hai.
Kya karein:
- Paisa mat bhejo.
- OTP, Aadhaar ya bank details share mat karo.
- Branch mein ja kar verify karo.
- cybercrime.gov.in ya 1930 par report karo.
Poori guide: https://mudraready.in/blog/mudra-loan-fraud-fake-call-whatsapp
Myths vs Facts
Myth 1: Barber shop ke liye bank loan nahi deta, kyunki yeh chhota kaam hai.
Sach 1: Mudra non-farm service units ke liye hai, aur salon jaise service business bank ke liye ek valid project hain. Shart yeh hai ki project report, jagah ka proof aur repayment capacity saaf ho.
Myth 2: PM Vishwakarma, Mudra aur PMEGP teeno ek saath mil jaate hain.
Sach 2: Yeh teeno alag schemes hain aur eligibility ek doosre ko rok sakti hai, khaaskar PM Vishwakarma mein. Pehle ek raasta chuno aur uski shartein padho.
Myth 3: PMEGP ki subsidy pehle hi cash mein mil jaati hai.
Sach 3: PMEGP ki subsidy bank ke through margin money ke roop mein aati hai, aur loan account mein adjust hoti hai. Tab tak EMI aapko bharni padti hai.
Myth 4: Salon loan lene ke baad salon mein hamesha kamai hoti hai, DSCR ki chinta nahi.
Sach 4: Salon mein rent aur bijli fixed hote hain, aur footfall upar-neeche hota hai. 20% girawat par 5 saal wale loan ka DSCR 1.04 tak gir sakta hai. Isliye bank sensitivity dekhta hai.
Myth 5: Zyada bada loan maangne se bank zyada serious samajhta hai.
Sach 5: Bank ko wahi raqam sahi lagti hai jo project cost aur DSCR se match kare. Bina wajah ke bade project se DSCR girta hai aur reject hone ka chance badhta hai.
Myth 6: Project report sirf formality hai.
Sach 6: Bank sabse pehle project report se hi samajhta hai ki aapka plan kitna socha hua hai. Cost, DSCR, sensitivity aur footfall saaf hon to baat aage badhti hai.
FAQs
Barber shop loan kaise milta hai?
Pehle branch manager se poochho ki salon unke yahan Mudra, PMEGP ya kisi aur product mein sanction hota hai. Phir project report, Udyam, dukaan ka proof, Aadhaar, PAN aur dealer quotation ke saath apply karo. Rate aur tenure bank tay karta hai. PM Vishwakarma ke liye alag portal hai.
Mens salon loan ke liye kitna loan mil sakta hai?
Mudra mein Shishu 50,000 tak, Kishor 50,001 se 5 lakh, Tarun 5 se 10 lakh aur Tarun Plus 10 se 20 lakh (sirf Tarun chukane waalon ke liye). Chhote mens salon ke liye aam taur par Rs.3 se 5 lakh ka project hota hai. Asli amount aapke project cost, DSCR aur bank ke norms par depend karta hai.
Unisex salon loan mein kya alag hota hai?
Bank ke liye process wahi hai, par unisex salon mein equipment, products aur trained staff ka kharcha zyada hota hai. Isliye project cost bada banta hai, jisse loan raqam aur EMI dono badhte hain. Project report mein dono sections (mens aur ladies) ki kamai alag dikhao.
Kya barber shop ke liye PMEGP mil sakta hai?
PMEGP manufacturing aur service dono ke naye projects ke liye hai, aur salon service sector mein aata hai. Service ke liye maximum project cost Rs.20 lakh hai. Chal rahi dukaan ko expansion ke liye PMEGP nahi milta. Salon activity ki eligibility DIC ya KVIC se likhit mein confirm karo.
PM Vishwakarma mein barber ko kitna loan milta hai?
Barber (naai) 18 trades mein hai. Pehli tranche mein Rs.1 lakh (18 mahine) aur doosri mein Rs.2 lakh (30 mahine) 5% interest par milta hai, saath mein Rs.15,000 ka toolkit aur training ke dauran Rs.500 prati din stipend. Eligibility pmvishwakarma.gov.in par check karo.
Salon project report mein kya hona chahiye?
Setup cost (fixed aur working capital), footfall aur average bill ke hisaab se income, kharcha, DSCR (minimum 1.25), EMI schedule, aur sensitivity (bikri 10 se 30% girne par DSCR). Rent agreement, Udyam aur dealer quotation bhi saath lagao.
Salon loan ka DSCR kitna hona chahiye?
Aam taur par bank minimum 1.25 maanta hai, par yeh bank aur scheme ke hisaab se badal sakta hai. Salon mein rent fixed hota hai, isliye footfall girne par DSCR tezi se girta hai. Tenure badhane aur staff ko commission par rakhne se comfort badhta hai.
Salon loan par EMI kitni aati hai?
11% par Rs.4.5 lakh ke loan ki EMI 5 saal mein Rs.9,784 aur 7 saal mein Rs.7,705 aati hai (udaharan). Asli rate bank tay karta hai, isliye apne bank se rate pooch kar EMI calculator mein check karo.
Kya bina collateral ke salon loan mil sakta hai?
Mudra loans ka guarantee cover CGFMU ke under Rs.20 lakh tak ke loans par hai, aur PM Vishwakarma mein collateral-free loan milta hai. Phir bhi bank ki apni policy aur aapki credit history par final faisla depend karta hai.
Kya mere paas dukaan nahi hai to bhi loan mil sakta hai?
Haan, par bank ko registered rent agreement ya jagah ka proof chahiye hoga. Zubani kiraya manya nahi hota. Agreement ki avadhi loan tenure ke aas-paas rakho aur owner ki NOC saath lagao.
Conclusion
Sandeep ne aakhir mein ek hi raasta chuna. Usne pehle bank se poochkar Mudra ka raasta saaf kiya, project report mein asli footfall likha, aur sensitivity table khud dikha di. Teen mahine baad Kanpur ki usi gali mein ek nayi dukaan khuli, teen chair aur ek AC ke saath.
Uski galti paise ki kami nahi thi. Galti thi ek saath do darwaze khatkhatane ki. Aap sirf itna yaad rakho: pehle raasta chuno, phir hisaab lagao, phir bank ke saamne jao.
Aapke business ke liye bank-ready project report sirf 10 minute mein, Rs.499 mein. Pehli report free.
Sources
- Mudra (PMMY) official: https://www.mudra.org.in
- PMEGP official portal (KVIC): https://www.kviconline.gov.in/pmegpeportal
- PM Vishwakarma official portal: https://pmvishwakarma.gov.in
- Udyam registration: https://udyamregistration.gov.in
- Mudra loan limit Rs.20 lakh, Tarun Plus aur CGFMU cover: https://businessworld.in/article/mudra-loan-limit-doubled-to-rs-20-lakh-in-line-with-budget-notification-537310
- Mudra interest rate explainer 2026: https://www.bajajfinserv.in/insights/pradhan-mantri-mudra-loan-interest-rate
- Cyber crime reporting: https://cybercrime.gov.in
Disclaimer
Yeh jaankari sirf shiksha ke liye hai. Loan approval bank ki policy, aapki repayment capacity aur documents par depend karta hai. MudraReady koi loan nahi deta aur approval ki guarantee nahi deta. Scheme ke rules badal sakte hain, apne bank ya official website se confirm karein.
Last Updated: October 2026
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