Kya Ap Jante Ha PMEGP LOAN Kya hai? Sunita Ji Bhi Nahi Janti Thi?
Sunita ji Agra ke paas ek chhote gaon mein rehti hain. Unhe Rs. 8 lakh ka loan chahiye tha apni papad manufacturing unit ke liye — machines, storage, raw material. Bank mein gayi. Officer ne do options bataye — Mudra loan aur PMEGP loan.
Sunita ji confuse ho gayi. Dono government schemes hain. Dono bank ke through milti hain. Toh fark kya hai?
Fark bahut bada hai. Aur Sunita ji ke liye sahi option choose karna Rs. 2 lakh se zyada ka fark tha.
Kyunki PMEGP mein — rural area mein, SC/ST ya women category mein — 35% subsidy milti hai government ki taraf se. Rs. 8 lakh ke project pe 35% matlab Rs. 2,80,000 jo kabhi wapas nahi karni. Mudra mein koi subsidy nahi hoti.
Yeh post mein dono schemes ko bilkul clear compare karte hain — numbers ke saath, examples ke saath — taaki aap sahi decision le sako.
PMEGP LOAN Kya Hai — Short Mein SAMJHE
PMEGP ka full form hai Prime Minister’s Employment Generation Programme. Yeh ek government scheme hai jo naye entrepreneurs ko business shuru karne ke liye loan aur saath mein subsidy deti hai.
Kaun chalata hai? KVIC (Khadi and Village Industries Commission) national level pe implement karta hai. State level pe KVIB (State Khadi and Village Industries Board) aur District Industries Centers (DIC) kaam karte hain.
Kab launch hua? 2008 mein, PMRY aur REGP schemes ko merge karke.
Sabse bada fark Mudra se: PMEGP mein government ek hissa pay karti hai — is hisse ko Margin Money Subsidy kehte hain. Yeh subsidy kabhi wapas nahi karni. Yeh loan ka component nahi hai. Yeh literally free money hai government ki taraf se.
FY25 mein PMEGP ke under 80,000 se zyada projects approve hue aur Rs. 2,200 crore ki subsidy release ki gayi.
Subsidy Ka Hisaab — Kitna Milega
PMEGP subsidy category aur location pe depend karti hai.
General Category ke liye: Urban area mein 15% subsidy aur Rural area mein 25% subsidy.
Special Category ke liye (SC/ST, OBC, Minorities, Women, Ex-servicemen, Physically Handicapped): Urban area mein 25% subsidy aur Rural area mein 35% subsidy.
Own contribution: General category ke liye 10% aur Special category ke liye 5%.
Bank loan: Total project cost minus subsidy minus own contribution.
Ek example se samjhte hain. Sunita ji ka Rs. 8 lakh ka papad manufacturing unit. Woh rural area mein hain, women category mein hain. Subsidy = 35% = Rs. 2,80,000. Own contribution = 5% = Rs. 40,000. Bank loan = Rs. 8,00,000 – Rs. 2,80,000 – Rs. 40,000 = Rs. 4,80,000. Interest sirf Rs. 4,80,000 pe lagega, poore Rs. 8 lakh pe nahi.
Yeh subsidy 3 saal tak TDR (Term Deposit Receipt) mein bank mein rakhi jaati hai. 3 saal successful operation ke baad aapke account mein transfer ho jaati hai. In 3 saalon mein EMI mein subsidy portion pe koi interest nahi lagta.
PMEGP Loan Limit — Kitna Milta Hai
Manufacturing sector ke liye maximum project cost Rs. 50 lakh. Service aur trading sector ke liye Rs. 20 lakh.
Rs. 50 lakh se upar manufacturing ya Rs. 20 lakh se upar service/trading ke liye extra amount bina subsidy ke bank loan ke roop mein mil sakta hai.
Existing PMEGP/Mudra units ke liye Second Loan facility bhi hai upgrade ke liye — manufacturing mein Rs. 1 crore aur service mein Rs. 25 lakh tak.
Mudra mein: Rs. 50,000 tak Shishu, Rs. 5 lakh tak Kishore, Rs. 10 lakh tak Tarun, Rs. 20 lakh tak Tarun Plus (naya category 2024 budget mein announce hua).
Agar aapko Rs. 10 lakh se zyada chahiye aur naya business hai — PMEGP zyada suitable option hai kyunki subsidy bhi milegi.
PMEGP vs Mudra — Side by Side Comparison
Pehla point — Loan limit. Mudra mein Rs. 20 lakh tak. PMEGP mein manufacturing mein Rs. 50 lakh aur service mein Rs. 20 lakh.
Doosra point — Government subsidy. Mudra mein koi subsidy nahi. PMEGP mein 15% se 35% subsidy milti hai depending on category aur location.
Teesra point — Kaun apply kar sakta hai. Mudra mein naya aur existing dono businesses. PMEGP mein sirf naye businesses — existing businesses eligible nahi.
Chautha point — Processing time. Mudra mein comparatively fast — 2 se 4 hafte. PMEGP mein zyada time lagta hai — EDP training + KVIC approval + bank sanctioning. Generally 2 se 4 mahine.
Paanchva point — Documents. Mudra mein kam documents. PMEGP mein zyada documents chahiye — EDP training certificate, KVIC/DIC application, detailed project report.
Chhata point — EDP Training. Mudra mein koi training nahi. PMEGP mein 5 se 10 din ki Entrepreneurship Development Programme (EDP) training compulsory hai — 2025 mein online modules bhi launch hue hain.
Satva point — Interest rate. Dono mein similar — 9% se 12% depending on bank.
Aathva point — Collateral. Dono mein Rs. 10 lakh tak no collateral (CGTMSE coverage).
Nava point — Existing business. Mudra mein existing business apply kar sakta hai. PMEGP mein nahi — sirf new unit.
Kaunsa Choose Karein — Decision Guide
Agar yeh situation hai toh Mudra better hai: Aapka business already chal raha hai aur expand karna hai. Aapko jaldi chahiye — 2 se 4 hafte mein. Amount Rs. 5 lakh tak chahiye. Documentation simple rakhni hai.
Agar yeh situation hai toh PMEGP better hai: Bilkul naya business shuru karna hai. SC/ST, OBC, women ya minority category mein hain — subsidy bahut significant hogi. Rural area mein business lagana hai — 25-35% subsidy milegi. Rs. 5 lakh se zyada chahiye aur manufacturing business hai. Long term planning hai — time lega but subsidy ka fayda zyada hoga.
Kuch log dono simultaneously apply karte hain — yeh allowed nahi hai. Ek project ke liye ek hi scheme.
Ek practical tip: Agar aap Special Category mein hain (women, SC/ST, OBC) aur naya business shuru kar rahe hain Rs. 3 lakh se upar ke investment se — PMEGP almost always better option hai. Subsidy itni significant hoti hai ki patience worth it hai.
PMEGP Ke Liye Kaunse Documents Chahiye
Personal documents mein Aadhaar Card, PAN Card, 2 passport photos, address proof, aur 8th class certificate agar project Rs. 10 lakh se upar ho.
Special category certificate agar applicable ho — caste certificate (SC/ST/OBC), women self-declaration, minority certificate, etc.
Business documents mein detailed project report (yeh sabse important hai — KVIC scoring model ke hisaab se prepared honi chahiye), business address proof ya NOC, aur quotations for machinery.
EDP Training Certificate — training complete hone ke baad milta hai. Training pahle karni hoti hai loan sanction se pehle.
Bank documents mein bank passbook, 6 mahine ki statement.
PMEGP Application Process — Step by Step
Step 1 — Online application. kviconline.gov.in/pmegp pe jaao. “Online Application for Individuals” select karo. Form mein personal details, project details, bank details bharo. Documents upload karo. Submit karo. Application ID milega.
Step 2 — Sponsoring agency. Application DIC (District Industries Center) ya KVIC ya KVIB ko forward hoti hai depending on project type aur location. Village industries ke liye KVIC, others ke liye DIC.
Step 3 — Interview aur scoring. KVIC/DIC scoring model ke hisaab se application evaluate hoti hai. Interview ho sakta hai.
Step 4 — EDP Training. 5 se 10 din ki training hoti hai. 2025 ke baad online modules bhi available hain. Yeh compulsory hai — bina training certificate ke loan nahi milega.
Step 5 — Bank ko forward. Sponsoring agency approved application bank ko forward karti hai.
Step 6 — Bank processing. Bank project report check karta hai, site visit ho sakti hai, loan sanction karta hai.
Step 7 — Disbursement. Term loan aur working capital disburse hota hai. Subsidy TDR mein hold hoti hai 3 saal ke liye.
PMEGP ke liye ek professional project report bahut zaroori hai — kyunki KVIC scoring model mein project report ka weightage zyada hota hai. MudraReady pe PMEGP project report bhi ban sakti hai — form mein “PMEGP” select karo.
Report banao abhi: mudraready.in
3 Saal Ka Lock-In Period — Samjho
PMEGP mein ek important condition hai jo bahut log miss karte hain — 3 saal ka lock-in period.
Pehli condition — 3 saalon mein aapka working capital utilization average 75% se kam nahi hona chahiye aur ek baar 100% touch karna chahiye. Agar yeh condition meet nahi hui toh proportionate subsidy wapas leni hogi.
Doosri condition — In 3 saalon mein unit band nahi karna, major change nahi karna.
Teesri condition — Subsidy ke 3 saal baad aapke account mein transfer hoti hai — automatically.
Practical matlab: PMEGP ke 3 saal serious operation aur banking discipline require karta hai. Agar aap business ke liye genuinely committed hain toh yeh problem nahi hai.
PMEGP ke Businesses Jo Eligible Nahi Hain
Kuch business types PMEGP mein allowed nahi hain — yeh jaanna zaroori hai.
Allowed nahi: Meat processing aur canning, Beedi/pan/cigar/cigarette manufacturing, Sharaab banane ka kaam (toddy tapping, wine distillation), Polyethylene plastic bags jo banned hain, Khadi certification wale spinning/weaving units (unke liye alag scheme hai), Sericulture, horticulture, animal husbandry as primary activity, Local government ya state se banned businesses.
Practically zyaadatar businesses — kirana, beauty parlour, tailoring, dairy, dhaba, manufacturing — PMEGP ke eligible hain. Check karne ke liye DIC office se confirm karo ya kviconline.gov.in pe negative list dekho.
Yeh bhi dhyan rakho: Kisi bhi other government scheme se subsidy le chuke hain toh PMEGP ke eligible nahi hain.
Real Calculation — Rs. 8 Lakh Papad Unit
Sunita ji ka example return karte hain — concrete numbers ke saath.
Project cost: Rs. 8,00,000 (Machinery Rs. 4 lakh, shed Rs. 2 lakh, working capital Rs. 2 lakh).
Subsidy (rural, women category, 35%): Rs. 2,80,000.
Own contribution (5%): Rs. 40,000.
Bank loan (Rs. 8L – Rs. 2.8L – Rs. 0.4L): Rs. 4,80,000.
Monthly EMI on Rs. 4,80,000 at 11% for 5 years: approximately Rs. 10,440.
Agar same project Mudra se kiya hota: Full Rs. 8 lakh loan lena padta (assuming no own capital benefit). EMI on Rs. 7,50,000 at 11% for 5 years: approximately Rs. 16,300/month.
Monthly EMI savings PMEGP se: Rs. 5,860/month. Annual savings: Rs. 70,320. Over 5 years: Rs. 3.5 lakh+ ki savings.
Plus Rs. 2,80,000 subsidy kabhi wapas nahi karni.
Total financial benefit PMEGP mein Mudra se: Rs. 6 lakh ke aaspaas. Yeh 3-4 mahine extra wait ke worth hai.
Apni situation ke liye exact calculation ke liye MudraReady pe project report banao — PMEGP scheme select karo:
mudraready.in
FAQ
PMEGP aur Mudra loan mein sabse bada fark kya hai?
Sabse bada fark subsidy ka hai. PMEGP mein government 15% se 35% tak subsidy deti hai project cost pe — yeh kabhi wapas nahi karni. Mudra mein koi subsidy nahi hoti — poora loan wapas karna hota hai. Doosra fark — PMEGP sirf naye businesses ke liye hai, Mudra existing businesses ke liye bhi. Teesra fark — PMEGP mein processing zyada time leta hai (EDP training + KVIC approval) lekin benefit bhi zyada hota hai.
PMEGP mein kitni subsidy milti hai?
General category, urban area: 15% subsidy. General category, rural area: 25% subsidy. Special category (SC/ST, OBC, women, minorities), urban: 25%. Special category, rural area: 35% subsidy. Manufacturing mein Rs. 50 lakh aur service mein Rs. 20 lakh tak ke projects ke liye subsidy applicable hai. Rs. 8 lakh ke project pe 35% = Rs. 2,80,000 subsidy — kabhi wapas nahi karni.
Kya existing business PMEGP ke liye apply kar sakta hai?
Nahi — PMEGP sirf naye businesses ke liye hai. Existing businesses jo pehle PMEGP, MUDRA ya kisi aur government scheme se subsidy le chuke hain, woh eligible nahi hain. Lekin ek exception hai — existing PMEGP/Mudra units jo successfully 3 saal complete kar chuke hain woh Second Loan facility ke liye apply kar sakte hain upgrade/expansion ke liye — manufacturing mein Rs. 1 crore aur service mein Rs. 25 lakh tak.
PMEGP loan kitne time mein milta hai?
PMEGP processing generally 2 se 4 mahine leti hai — yeh Mudra se zyada hai. Process mein online application, KVIC/DIC interview, EDP training (5-10 din), bank processing aur disbursement sab shaamil hain. Time zyada lagta hai lekin subsidy ka benefit itna significant hota hai ki zyaadatar applicants ke liye wait worth it hoti hai. EDP training online bhi ho sakti hai 2025 ke baad.
PMEGP mein EDP training kya hoti hai?
EDP yaani Entrepreneurship Development Programme — 5 se 10 din ki compulsory training hai jo PMEGP application approve hone ke baad karni hoti hai. Isme business management, finance, production, marketing ke basics sikhaye jaate hain. Training certificate ke bina bank loan sanction nahi karta. 2025 ke update ke baad online modules bhi launch hue hain jisse rural applicants ghar se training complete kar sakte hain. Training free hoti hai.
Kya main PMEGP aur Mudra dono ek saath apply kar sakta hoon?
Nahi — ek project ke liye ek hi scheme. Agar PMEGP se loan le rahe ho toh same project ke liye Mudra apply nahi kar sakte. Alag alag businesses ke liye alag schemes le sakte hain lekin ek unit ke liye double funding allowed nahi hai. Agar PMEGP reject hota hai toh Mudra ke liye try kar sakte hain.
PMEGP ke liye project report kahan se banayein?
PMEGP ke liye project report bahut detailed honi chahiye kyunki KVIC scoring model mein project report ko high weightage diya jaata hai. CA se banwao (Rs. 3,000 se Rs. 10,000) ya MudraReady use karo (Rs. 399 mein). MudraReady pe form mein “PMEGP” scheme select karo — report automatically PMEGP format mein generate hoti hai jisme subsidy calculation, project cost breakdown, 5-year projections sab included hote hain.
PMEGP subsidy 3 saal lock-in period kya hota hai?
PMEGP subsidy turant aapko nahi milti — 3 saal ke liye bank mein TDR (Term Deposit Receipt) ke roop mein hold hoti hai. In 3 saalon mein aapko business successfully chalana hota hai aur working capital utilization 75% se kam nahi honi chahiye. 3 saal successful operation ke baad subsidy aapke account mein transfer ho jaati hai. In 3 saalon mein subsidy portion pe koi interest nahi lagta — effective loan cost significantly kam hoti hai.
Women entrepreneurs ke liye PMEGP mein kya special benefits hain?
Women entrepreneurs PMEGP mein “Special Category” mein aati hain jisme maximum benefit milta hai. Urban area mein 25% subsidy aur rural area mein 35% subsidy. Own contribution sirf 5% chahiye (General category ke liye 10% hoti hai). Rs. 20 lakh ke service/trading project pe 35% = Rs. 7 lakh subsidy kabhi wapas nahi karni. Yeh india ki sabse generous self-employment schemes mein se ek hai women entrepreneurs ke liye.
Kya kirana shop ya retail business ke liye PMEGP milta hai?
Haan, trading aur retail businesses PMEGP ke eligible hain — kirana, medical store, garment shop, hardware shop. Lekin kuch conditions hain: sirf naya business eligible hai, existing shop ko expand karne ke liye PMEGP nahi milega. Project report mein clearly show karna hoga ki yeh new unit hai. Service/trading sector ke liye maximum Rs. 20 lakh ka project eligible hai subsidy ke liye. Rs. 20 lakh se upar ka amount bina subsidy ke bank loan ke roop mein mil sakta hai.
