Pradhan Mantri MUDRA Yojana Application Form

Home Business Loan Mudra Loan Mudra Loan Application Form
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Get Mudra Loan to Start your own Business

  • Min. Loan Amount: Rs. 50,000
  • Max. Loan Amount: Rs. 10 lakh
  • Up to 5 years Repayment Tenure
  • No Collateral Required

Get Mudra Loan at attractive interest rates

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :28/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :28/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 28/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :28/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 28/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :28/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :28/02/2020

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हिंदी में पढ़े
Updated: 24-01-2020 06:52:17 AM

MUDRA (Micro Units Development and Refinance Agency) Scheme under Pradhan Mantri MUDRA Yojana (PMMY) is an initiative to provide financial support to the Micro, Small or Medium-sized Enterprises (MSMEs). Sometime, MSMEs under proprietorship or partnership suffer from the lack of funding since the owners do not have collateral to secure a bank loan. Under PMMY scheme, policy guidelines were made for financing MSMEs, which in turn can grow faster by providing a boost to the rural economy, as well as improving the overall economy of India.

Purpose of MUDRA Loan

MUDRA loan scheme was launched by the Government of India to help MSMEs with the following purposes:

  • To start a new business
  • For business expansion
  • Buying plant & machinery
  • To get working capital for business
  • Hiring or training staff
  • To buy equipment, commercial vehicles, etc.

Must Read: Is there any subsidy on Mudra loan?

Pradhan Mantri MUDRA Yojana Application Form Important Fields & Sections

MUDRA Loan Application form for Shishu, Kishor and Tarun Scheme can be downloaded by clicking here.
The form is also available on the official online portals of most of the banks that are officially entitled to offer MUDRA loans. The common MUDRA loan Application Form is quite elaborate and has several sections and applicant has to furnish all the information along with pertinent documentation. The sections for MUDRA loan Application Form are as follows:

For Official Use:

  • Complete name of the enterprise
  • Serial number of the application
  • Branch name
  • Category chosen– whether Shishu, Kishor or Tarun

Business Information:

  • Complete name of the enterprise
  • Constitution of the enterprise – Proprietary or Partnership or Private Limited or Limited Company or any other
  • Current Business Address, including State and PIN Code
  • Whether the Business Premises is self-owned or rented
  • The contact details with the telephone and the mobile number
  • An email ID for communication
  • Existing and the proposed business activity
  • An approximate date of commencement of business in DD/MM/YYYY format
  • Registration details of the unit
  • If it is registered, the following details are needed:
    • The registration number and
    • The act under which it is registered
  • The registered address of the office
  • The social category for application, whether Scheduled Caste or Tribe, Other backward Classes or any other Minority Community

Complete Background Information of the Proprietor/ Partners/ Directors is needed

  • Name, serial number, sex, date of birth and other personal details
  • Contact details like email ID, phone number, registered residential address
  • Highest academic qualification and professional degree
  • Any valid proof of identity and address
  • A copy of the PAN Card
  • Director Identity Number or DIN for all the directors
  • The total experience in the current line of business
  • The relationship with the other officials/ directors, etc.

Names of the Associate Concerns and the Nature of their Association

  • The names of the Associate Concerns
  • The addresses of Associate Concerns
  • The current bank details
  • The nature of the Association Concerns
  • The extent of Interest as a Proprietor or a Partner or even a Director or maybe just as an Investor in Associate Concern

Banking/Credit Facilities Existing (In Rs.)

  • The Types of Facilities for savings bank account, current account or even cash credit account or term loan or even Letter of Credit or Bank Guarantee
  • The current bank details
  • The total limit already availed
  • The total outstanding as on date
  • The security that has been lodged
  • The asset classification status
  • In case of currently banking with this bank, then Customer ID needs to be provided
  • A certification statement from the borrowers that no loan was taken from any other bank or financial institution apart from the one mentioned in Section E

Total Credit Facilities Proposed: (In Rs.)

  • The type of facilities in terms of cash or credit or term loan or even Letter of Credit or Bank Guarantee
  • The total amount
  • The purpose for which it is required
  • The details of the primary Security Offered (With an Approximate value to be mentioned)

In Case of the Working Capital: On a Basis of Cash Credit Limit Applied: (In Rs.)

  • The Actual Sales in the last two years
  • The projected figures of the sales, revenue, inventory, working cycles, creditors and debtors, promoter’s contribution, total limits, etc.

In case of requirement for Term Loan, the detail of Machinery/ Equipment could be given as under:

  • The type of the machine or the equipment
  • The purpose for which it is required
  • The name of the supplier
  • The total cost of the machine
  • The total contribution that is being made by the promoters in INR
  • The total amount of loan that is required
  • The period of repayment with moratorium period requested for 

Past Performance/ Future Estimates: (In Rs.)

The following figures are needed for the actual, estimated and proposed scenario.

  • Net Sales
  • Net Profit
  • Capital (Net Worth in case of Companies)

Status Regarding Statutory Obligations:

For each Statutory Obligation, the borrower has to mention whether complied with by selecting ‘Yes’/ or ‘No’ as applicable. And if not applicable, mention ‘N.A.’ Also, in the ‘Remarks’ column in the form, any detail in connection with the relevant obligation to be given. Statutory Obligations are:

  • Registration under the Shops and Establishment Act
  • Registration under the MSME (Provisional/ Final)
  • Drug License
  • Latest Returns for Sales Tax Filed
  • Latest Returns for Income Tax Filed
  • Any other outstanding dues for Statutory requirement

Declaration:

  • Declaration with photograph(s) and signature(s) of Proprietor/ Partners/ Director
  • Mention of Date and Place
  • Acknowledgement Slip for loan Application under Pradhan Mantri MUDRA Yojana

Must Read: How to Apply for Murda Loan Online?

MUDRA Loan Application Form for ‘Shishu’ Loan

There is one exclusive ‘MUDRA Loan Application Form’ for ‘Shishu’ category available on the same web site. This is much shorter than the general form since many sections do not apply at the inception of the business, a stage for which ‘Shishu’ loan is approved. ‘Shishu’ loan requires no processing fee and does not require any collateral. Repayment period could be extended up to 5 years.

Documentation Required

A list of the required documentation is mentioned towards the end of the form. Applicants have to furnish the pertinent documents based on the type of loan and the type of business they are applying for. These include:

  • Identity Proof
  • Residence Proof
  • Proof of Minority and SC/ST
  • Address and Identity Proof of Business Enterprise
  • Bank Account Statement of past 6 months
  • Balance sheet of the past 2 years along with Sale tax and/ or Income Tax return – This is applicable if the loan amount is over 2 lakh
  • Projected balance sheet for 1 year for working capital limits. Projected balance sheets for the entire loan period in case of the term loan. – Both applicable for loans over 2 lakh
  • Sales realized in the current financial year till the date of loan application submission
  • For the proposed project, a report to be submitted that contains all the detail of technical and economic feasibility
  • Partnership deed of partners for a partnership
  • Memorandum and Articles of Association for a company
  • In case a third party guarantee is not available, Asset and Liability statement might need to be furnished from the borrower(s), Directors and partners to find the net worth
  • Two copies of the photo of the proprietor or each of the partners and directors

Under PMMY, MUDRA loans are offered through Commercial Banks, Rural Regional Banks (RRBs), Small Financial Banks (SFBs), Cooperative Banks, Microfinance Institutions (MFIs) and so on. As on 31st March 2019, 59870318 counts of PMMY loans are sanctioned and the total loan amount sanctioned was Rs. 321722.79 crore.

MUDRA loan is meant for supporting the section of the population who are economically backward and who cannot secure a bank loan otherwise. It is mainly aimed for socio-economically backward people to improve their financial condition, to provide a livelihood for them and improve the rural economy overall. The loan is not meant for personal use.

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