UCO Bank Mudra Loan – Agar aap chhota business ya self-employment start karna chahte hain aur paise ki zaroorat hai, to UCO Bank Mudra Loan ek accha option hai. Pradhan Mantri Mudra Yojana (PMMY) ke under UCO Bank se aap ₹50,000 se ₹10 lakh tak ka loan le sakte hain bina kisi collateral ke.
Is blog me hum UCO Bank Mudra Loan ke features, eligibility, documents aur apply process ke baare me batayenge.
UCO Bank Mudra Loan Kya Hai?
UCO Bank Mudra Loan Government of India ki Mudra Yojana ke under diya jata hai. Yeh Micro, Small & Medium Enterprises (MSME) ya self-employed logon ke liye ek business loan hai.
Purpose: Business expand karne, naye tools/machines lene, working capital ke liye.
Loan Amount: ₹50,000 se ₹10 lakh tak.
Interest Rate: 7.30% se start hota hai (loan amount & profile ke base par decide hota hai).
Repayment Tenure: 5 years tak.
Collateral: No collateral required (Government guarantee hai).
Processing Fees: Shishu loan me zero fees, Kishor & Tarun loan me nominal fees.
UCO Bank Mudra Loan Types (3 Categories)
Mudra Loan ko 3 categories me divide kiya gaya hai:
✅ 1. Shishu Loan (₹50,000 tak)
Chhoti business units, startups ya self-employed log ke liye.
Interest Rate: Kam hota hai (Govt. subsidy mil sakti hai).
✅ 2. Kishor Loan (₹50,000 – ₹5 Lakh tak)
Existing business expand karne ya naye setup ke liye.
Interest Rate: Applicant ki profile aur risk assessment ke basis par decide hoti hai.
✅ 3. Tarun Loan (₹5 Lakh – ₹10 Lakh tak)
Bade business setup ya expansion ke liye.
Interest Rate: Thodi zyada ho sakti hai, lekin MSME benefits milte hain.
UCO Bank Mudra Loan Ke Liye Eligibility
Agar aap Mudra Loan lena chahte hain, to aapko yeh conditions fulfill karni hongi:
✔ Indian citizen hona chahiye.
✔ Business owner ya self-employed hona chahiye.
✔ Age: 18-65 years.
✔ Business plan aur estimated revenue ka proof dena hoga.
✔ Past loan repayment record (agar koi previous loan liya hai).
UCO Bank Mudra Loan Ke Liye Documents
Aapko loan apply karne ke liye yeh documents chahiye honge:
📌 Identity & Address Proof
✔ Aadhar Card
✔ PAN Card
✔ Voter ID / Passport / Driving License
✔ Electricity Bill / Rental Agreement (Address Proof ke liye)
📌 Business Related Documents
✔ Business Registration Certificate (agar applicable ho)
✔ GST Certificate
✔ Bank Statement (last 6 months)
✔ Income Tax Returns (ITR) – (Kishor & Tarun Loan ke liye)
✔ Business Plan aur Fund Utilization Report
UCO Bank Mudra Loan Apply Kaise Karein?
Aap UCO Bank Mudra Loan online ya offline apply kar sakte hain.
✅ Online Apply Karne Ka Process
1️⃣ UCO Bank ki official website par jayein – https://www.ucobank.com
2️⃣ “Mudra Loan” ya “MSME Loan” section select karein.
3️⃣ Online application form bhar ke submit karein.
4️⃣ Required documents upload karein.
5️⃣ Application submit hone ke baad bank verification karega.
6️⃣ Loan approve hone par amount aapke account me transfer ho jayega.
✅ Offline Apply Karne Ka Process
1️⃣ Nearest UCO Bank Branch par jayein.
2️⃣ Mudra Loan Application Form lein aur bhar ke submit karein.
3️⃣ Documents attach karein aur bank official se discussion karein.
4️⃣ Bank aapka business aur credit profile check karega.
5️⃣ Loan approval hone par amount aapke bank account me credit ho jayega.
UCO Bank Mudra Loan FAQs
❓ UCO Bank Mudra Loan lene me kitna time lagta hai?
👉 Normally, 7-15 din lagte hain agar sabhi documents complete hain.
❓ Mudra Loan me koi collateral dena padta hai?
👉 Nahi, yeh unsecured loan hai, koi collateral ya guarantor nahi chahiye.
❓ Mudra Loan sirf naye business ke liye hai ya existing business ke liye bhi?
👉 Dono ke liye hai – naye business start karne aur existing business expand karne ke liye.
❓ Kya Mudra Loan sabhi business types ke liye available hai?
👉 Nahi, yeh sirf small business, manufacturing, trading aur service sector ke liye hai. Real estate, agriculture ya personal loan purpose ke liye nahi milta.
Conclusion
Agar aap apna chhota business start karna chahte hain ya existing business expand karna chahte hain, to UCO Bank Mudra Loan ek accha option hai. No collateral, low interest rates aur easy approval process ke wajah se yeh best loan schemes me se ek hai.
🚀 Aaj hi apply karein aur apne business ko naye heights tak le jayein!
👉 Agar aapko koi bhi sawal hai to niche comment karein! 😊