National Handloom Development Programme: Concessional Credit/Weaver MUDRA Scheme
Ministry of Textiles द्वारा
अपनी पात्रता जांचें
साइन अप करें और हम आपको बताएंगे कि आपका स्टार्टअप इस ग्रांट के लिए योग्य है या नहीं।
त्वरित उत्तर
A central government scheme providing concessional credit, margin money assistance, and interest subvention to individual handloom weavers and organizations across India.
- फंडिंग राशि
- ₹25,000 – ₹1 करोड़
- फंडिंग प्रकार
- ऋण
- प्रदाता
- Ministry of Textiles
- आवेदन की अंतिम तिथि
- निरंतर
- स्थान
- भारत में पंजीकृत स्टार्टअप्स के लिए खुला
इस लोन के बारे में
The National Handloom Development Programme: Concessional Credit/Weaver MUDRA Scheme, launched by the Ministry of Textiles, Government of India, aims to provide comprehensive financial support to the handloom sector. This scheme ensures adequate and timely access to credit from banks, addressing both term loan and working capital requirements in a flexible and cost-effective manner nationwide. By offering margin money assistance, interest subvention, and credit guarantee, the program seeks to empower individual handloom weavers, entrepreneurs, and various handloom organizations, fostering growth and sustainability within the traditional handloom industry. This initiative is a vital component of the broader National Handloom Development Programme (NHDP), designed to uplift livelihoods and preserve cultural heritage through economic empowerment.
पात्रता
देखें कि आप पात्र हैं या नहीं
पूरी पात्रता शर्तें — संस्था प्रकार, स्टेज, क्षेत्र, फाउंडर प्रोफ़ाइल और पंजीकरण आवश्यकताएं — साथ ही इस प्रोग्राम के लिए आपकी फ़िट। देखने के लिए साइन अप करें।
अनुदान प्रदाता
The Ministry of Textiles is the central government ministry responsible for policy formulation and promotion of the textiles and apparel sector in India. Through the National Technical Textiles Mission (NTTM), launched in 2020, the ministry aims to position India as a global…
Learn moreThe National Credit Guarantee Trustee Company Limited (NCGTC) is a company wholly owned by the Department of Financial Services, Ministry of Finance, Government of India. It is not a lender and it does not give grants. It manages credit guarantee funds and schemes, which means…
Learn moreलाभ और फंडिंग
- राशि
- ₹25,000 – ₹1 करोड़
- फंड प्रकार
- ऋण
- इक्विटी
- इक्विटी-मुक्त
- चुकौती
- चुकाने योग्य
आपको क्या मिलेगा
- Loans: Access to essential term loans and working capital from a network of participating banks. Loans up to ₹10.00 lakh are provided under the MUDRA scheme, while higher loans exceeding ₹10.00 lakh (up to a maximum of ₹1.00 crore) are covered under Concessional Credit.
- Margin Money Assistance: Individual handloom weavers and weaver entrepreneurs are eligible for margin money assistance at 20% of the loan amount, capped at ₹25,000. Handloom organizations can receive 20% of the loan amount, up to ₹20.00 lakh, calculated on a pro-rata basis of ₹2.00 lakh for every 100 weavers/workers, whichever amount is less. This assistance is directly credited to the beneficiary's loan account.
- Interest Subvention: Eligible handloom organizations benefit from highly subsidized loans at a concessional interest rate of 6% per annum for a duration of three years. The Government of India provides an interest subvention to banks, capping the subsidy up to 7%.
- Credit Guarantee: To mitigate risk for financial institutions, loans extended to eligible handloom organizations are guaranteed by the National Credit Guarantee Trustee Company (NCGTC) or the Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE) for a period of three years from the loan disbursement date. The credit guarantee fee for this period is fully borne by the Government of India.
- वितरण
- Tranched
- अवधि
- 37 महीने
- बूटस्ट्रैप अनुकूल
- हाँ
समयसीमा और प्रक्रिया
आवेदन
रोलिंग आधार पर
चयन प्रक्रिया
Applications are reviewed by the participating banks (Scheduled Commercial Banks, Regional Rural Banks, State Cooperative Banks, District Central Co-operative Banks) based on their internal credit assessment norms. Once an application is submitted, the bank processes it and, if approved, issues a loan sanction letter within one month of the application date. The banks are responsible for sanctioning loans and lodging claims for margin money assistance, interest subvention, and credit guarantee fee through the Handloom Weaver MUDRA Portal.
आवेदन प्रक्रिया
- 1
Approach Bank
Eligible beneficiaries should approach any participating bank to avail loan benefits under the scheme.
आप - 2
- 3
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- 5
- 6
आवेदन कैसे करें
ड्राफ़्ट से वितरण तक चार चरण — हर चरण में एक कार्रवाई।
- 1
अपना आवेदन ड्राफ़्ट करें
ग्रांट ट्रैकर के अंदर फ़ॉर्म भरें — AI आपके पिछले उत्तरों का उपयोग करके हर उत्तर का ड्राफ़्ट बनाता है, ताकि आपको खाली पन्ने से शुरुआत न करनी पड़े।
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शुरू करने से पहले प्रश्न देखें
इस कार्यक्रम के आवेदन फ़ॉर्म में पूछे जाने वाले सभी प्रश्न डाउनलोड करें, ताकि पोर्टल खोलने से पहले आप अपने उत्तर ऑफ़लाइन तैयार कर सकें।
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अपने दस्तावेज़ तैयार करें
चेकलिस्ट के हर दस्तावेज़ को एक ही फ़ोल्डर में तैयार रखें। दस्तावेज़ों की कमी आवेदन खारिज होने का सबसे बड़ा कारण है।
- 4
आधिकारिक पोर्टल पर जमा करें
आधिकारिक आवेदन लिंक का उपयोग करें और अंतिम रूप से जमा करने से पहले सभी विवरण सत्यापित करें।
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फ़ॉलो अप करें
जमा करने के 5–7 दिन बाद प्राप्ति की पुष्टि और समीक्षा समयरेखा के बारे में पूछने के लिए संपर्क करें।
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
अक्सर पूछे जाने वाले प्रश्न
What is the maximum loan amount available under this scheme?
Loans up to ₹10 lakh are covered under MUDRA, and loans above ₹10 lakh up to ₹1 crore are covered under Concessional Credit.
Who is eligible to apply for this scheme?
Individual handloom weavers, weaver entrepreneurs, Self Help Groups, Joint Liability Groups, and various handloom organizations including cooperative societies and producer companies promoted by weavers are eligible.
What are the main financial benefits provided?
The scheme offers Margin Money Assistance (up to ₹25,000 for individuals, ₹20 lakh for organizations), Interest Subvention (6% concessional rate for organizations), and Credit Guarantee coverage for loans.
How long are the benefits for interest subvention and credit guarantee applicable?
Both interest subvention and credit guarantee benefits are applicable for a maximum period of three years from the date of the first loan disbursal.
How does one apply for the Weaver MUDRA Scheme?
Eligible beneficiaries should approach any participating bank (Scheduled Commercial Banks, Regional Rural Banks, State/District Co-operative Banks), collect and fill the application form with required documents, and submit it to the bank.
Are there any conditions for availing fresh loans?
Fresh loans may be sanctioned after one year of re-payment of previous Mudra loan to beneficiaries who availed a loan in the past and have repaid it.
समाचार
- J&K handloom sector gets 2,299 weaver MUDRA loans worth Rs 39.36 cr since 2021-22kashmirnewsobserver.com · 2 months ago
- 3,064 Weaver MUDRA Loans Worth Rs 35.36 Crore Disbursed in Jammu Kashmir, Lok Sabha Toldkashmirlife.net · 2 months ago
Source: Google News aggregated
