`); // setTimeout(() => { // w.print(); // }, 1000) // w.document.close(); // return false; // }); // share_doc.addEventListener('click', () => { // share_url.style.display = 'block'; // }); function drawChartCustom(one, selElem) { var data = google.visualization.arrayToDataTable([ ['Task', 'Hours per Day'], ['Principal', 100 - one], ['Interest', one], ]); // Optional; add a title and set the width and height of the chart var options = { 'title': 'Total Payment Break-up', 'width': 200, 'height': 175 }; // Display the chart inside the
element with id="piechart" document.getElementById(selElem).innerHTML = ''; var chart = new google.visualization.PieChart(document.getElementById(selElem)); chart.draw(data, options); // console.log('done'); } const calculate_pl = () => { const interest = parseFloat(pl_loaninterest.value) / 1200; const loantenure = pl_loanyears.checked ? 'Y' : 'M'; const months = loantenure === "M" ? 1 : 12; // let term = loan.loanDuration * months; let term = pl_loanterm.value * months; const top = Math.pow(1 + interest, term); const bottom = top - 1; const ratio = top / bottom; const loanamountValue = pl_loanamount.value.replace(/[^\d\.]/g, ""); const EMI = loanamountValue * interest * ratio; const Total = EMI * term; const EMI_data = { EMI: EMI.toFixed(0), Total: Total.toFixed(0), total_interest: (Total.toFixed(0) - loanamountValue).toFixed(0), }; pl_k_emi.innerText = EMI_data.EMI; pl_k_pay.innerText = EMI_data.Total; pl_k_int.innerText = EMI_data.total_interest; const noOfMonths = parseInt(term); let listHtml = ``; let pr_val = loanamountValue; for (let i = 0; i < noOfMonths; i++) { const int_amt = pr_val * (parseFloat(pl_loaninterest.value) / 100) / 12; const pri_amt = EMI - int_amt; const bal_amt = pr_val - pri_amt; listHtml += `
`; pr_val = pr_val - pri_amt; } pl_emi_list.innerHTML = listHtml; // console.log("EMI", EMI_data); // const a = EMI_data.Total; // const b = EMI_data.total_interest; // const c = parseInt((b / a) * 100); // drawChart(c); return EMI_data; }; const calculate_cl = () => { const interest = parseFloat(cl_loaninterest.value) / 1200; const loantenure = cl_loanyears.checked ? 'Y' : 'M'; const months = loantenure === "M" ? 1 : 12; // let term = loan.loanDuration * months; let term = cl_loanterm.value * months; const top = Math.pow(1 + interest, term); const bottom = top - 1; const ratio = top / bottom; const loanamountValue = cl_loanamount.value.replace(/[^\d\.]/g, ""); const EMI = loanamountValue * interest * ratio; const Total = EMI * term; const EMI_data = { EMI: EMI.toFixed(0), Total: Total.toFixed(0), total_interest: (Total.toFixed(0) - loanamountValue).toFixed(0), }; cl_k_emi.innerText = EMI_data.EMI; cl_k_pay.innerText = EMI_data.Total; cl_k_int.innerText = EMI_data.total_interest; const noOfMonths = parseInt(term); let listHtml = ``; let pr_val = loanamountValue; for (let i = 0; i < noOfMonths; i++) { const int_amt = pr_val * (parseFloat(cl_loaninterest.value) / 100) / 12; const pri_amt = EMI - int_amt; const bal_amt = pr_val - pri_amt; listHtml += `
`; pr_val = pr_val - pri_amt; } cl_emi_list.innerHTML = listHtml; // console.log("EMI", EMI_data); // const a = EMI_data.Total; // const b = EMI_data.total_interest; // const c = parseInt((b / a) * 100); // drawChart(c); return EMI_data; }; const updatePL = () => { const loanObj = calculate_pl(); // console.log('loanObj', loanObj); const total = loanObj.Total; const interest = loanObj.total_interest; const intPer = parseInt((interest / total) * 100); // console.log('intPer', intPer); drawChartCustom(intPer, 'pl_piechart'); }; const updateCL = () => { const loanObj = calculate_cl(); // console.log('loanObj', loanObj); const total = loanObj.Total; const interest = loanObj.total_interest; const intPer = parseInt((interest / total) * 100); // console.log('intPer', intPer); drawChartCustom(intPer, 'cl_piechart'); }; // pl_loanamount.addEventListener("keyup", updatePL); // pl_loaninterest.addEventListener("keyup", updatePL); // pl_loanterm.addEventListener("keyup", updatePL); // pl_loanyears.addEventListener("change", updatePL); // pl_loanmonths.addEventListener("change", updatePL); // cl_loanamount.addEventListener("keyup", updateCL); // cl_loaninterest.addEventListener("keyup", updateCL); // cl_loanterm.addEventListener("keyup", updateCL); // cl_loanyears.addEventListener("change", updateCL); // cl_loanmonths.addEventListener("change", updateCL);
Eligibility Criteria
What you mean by Mudra loan Eligibility Criteria?
Mudra loan for new business & existing business, you can avail this type of loan for development of infrastructure, to meet day to day operational capital, purchasing new equipment & machinery. The best part of the loan is you don’t require to pledge any collateral or assets.
Mudra loan Eligibility Criteria
Eligibility Criteria depends on various factors like age of individual, repayment history, business sales/turnover, total work experience & Creditworthiness ...etc.
- • Age Limit of Individuals - 18 to 65 years
- • new or existing company can apply
- • Business involved in food production, textile, agriculture, services providing to community or society are eligible
- • Minimum 2 years of business continuity
- • Minimum 1 years of audit by registered chartered accountant
Note: - You can avail up to 10 Lakh as a maximum loan amount.
What are the factors generally affecting Mudra loan Eligibility Criteria?
There are top factors that generally affects e mudra loan eligibility criteria as given below: -
Lack of good credit report: - Your past financial behavior going to determine your future financial stability. Therefore, if in past years missed to do payments on timely manner, then probably you will looser the chances of getting loan.
Bad cash flow: - Lender want to check know about your company cash flow management, whether you are managing well or not, if it seems to be bad cash flow then possibility of chances gets lower.
What are the ways to increase Mudra loan eligibility?
To increase eligibility, you need to consider Top points as given below, this will aid you in increasing your eligibility level.
Maintain good record credit: - Lender usually check whether you are maintaining good credit by making payments on time & avoiding having multiple credit cards, if you are practicing these methods to maintain good record of credit, it will enhance your eligibility towards getting a loan.
Do paying tax on time: - This is one of the major methods to increase eligibility, take initiate to do paying tax on time to build credit score improve as well as lender confidence level increases.
Documents Required
INDIVIDUAL
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PHOTOGRAPHS 2
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PAN CARD COPY
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AADHAR CARD + PASSPORT
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ADDRESS PROOF IF RENTED ALSO REQUIRED PERMANENT ADDRESS PROOF
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LAST 3 YEARS FORM -16, ITR WITH COMPUTATION OF INCOME IF FILE
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LAST 1 YEAR BANK STATEMENT - SALARY ACCOUNT
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LOAN SCHEDULE & SANCTION LETTER (IF RUNNING)
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COMPLETE PROPERTY PAPERS WITH CHAIN & MAP +ATS
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PROCESSING FEE CHEQUE IN FAVOUR OF BANKLAST 3 MONTHS SALARY SLIP + APPOINTMENT LETTER
PROP FIRM
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PHOTOGRAPH BOTH
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PAN CARD CLEAR COPY PROPRIETOR
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ADDRESS PROOF (PASS PORT, VOTER ID CARD) PROPRIETOR
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OFFICE ADDRESS PROOF LATEST (ELECTRICITY BILL, TELEPHONE BILL)
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FIRM REGISTRATION CERTIFICATES & GST REGISTRATION COPY
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LAST 1 YEAR GST RETURN COPY
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FIRM 3 YEARS ITR COMPUTATION, PROFIT LOSS A/C, BALANCE-SHEET, TAX AUDIT REPORT, ALL SCHEDULED & ANNEXURE
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PROVISIONAL FINANCIAL AY 2019-20
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BANK ACCOUNTS (CURRENT ACCOUNT, CC ACCOUNT, OD ACCOUNT LAST 1 YEAR UPDATED)
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6 MONTH SAVING ACCOUNT STATEMENT UPDATED (PROPRIETOR)
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IF RUNNING ANY LOAN PLEASE PROVIDE SANCTION LETTER AND REPAYMENT SCHEDULED
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AGREEMENT TO SELL COPY
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PROPERTY PAPERS WITH CHAIN SANCTION MAP
PARTNERSHIP FIRM
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PHOTOGRAPH PARTNERS
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PAN CARD - COMPANY, ALL PARTNERS
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ADDRESS PROOF - ALL PARTNERS (PASS PORT, VOTER I PAN CARD, ADHAAR)
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FIRM ADDRESS PROOF- LATEST ANY UTILITY BILL
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PARTNERSHIP DEED COPY
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GST CERTIFICATE
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GST RETURN LAST 1 YEARS
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3 YEAR COMPANY ITR COI P/L A/C BALANCESHEET + AUDIT REPORT 3CB 3CD, ALL ANNEXXURS, SCHEDULED WITH C.A.CERTIFIED
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PROVISIONAL FINANCIAL AY 2019-20
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3 YEAR.ALL PARTNER INDIVIDUALS ITR + COMPUTATION
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FIRM ALL A/C BANK STATEMENT 1 YEAR UPDATED
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ALL PARTNER SAVING A/C STATEMENT 6 MONTH
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IF RUNNING ANY LOAN – LATEST SANCTION LETTER + TRACK RECORDS OR REPAYMENT SCHEDULED
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AGREEMENT TO SELL COPY
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PROPERTY PAPERS COMPLETE CHAIN WITH MAP
PVT.LTD
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ALL DIRECTORS PHOTOGRAPH
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CLEAR PAN CARD - COMPANY AND ALL DIRECTORS
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ADDRESS PROOF – COMPANY AND DIRECTORS
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LIST OF DIRECTOR& SHARE HOLDER WITH CA CERTIFIED AS ON DATE
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MEMORANDOM ORDER IN HAND AND COMPLETE COPY (IF APPLICABLE)
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GST, SALE, VAT AND SSI REGISTRATION CERTIFICATE
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1 YEAR GST RETURNS
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ALL DIRECTORS INDIVIDUALS ITR & COMPUTATION LAST 3 YEARS
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LAST 3 YEARS COMPLETE FINANCIAL WITH TAX AUDIT REPORT AND ANNEXURE
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PROVISIONAL FINANCIAL FY 2019-20 OR MONTH WISE SALE FIGURE LAST 1 YEAR
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COMPANY ALL BANK ACCOUNT STATEMENT 1 YEAR UPDATED
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ALL DIRECTORS SAVING A/C STATEMENT 6 MONTH
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IF RUNNING ANY LOAN – LATEST SANCTION LETTER AND REPAYMENT SCHEDULED.
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AGREEMENT TO SELL COPY
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PROPERTY PAPERS COMPLETE CHAIN WITH SANCTION MAP
FAQs
Frequently asked questions (FAQ) pages are Q&A-style pages that most brands build to answer queries that slip through the cracks. FAQs are targeted to give a complete sense of query satisfaction to the client.
How to apply Mudra Loan?
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Before applying forMudra Loan make sure you have themandatorydocument with you as givenbelow:-
For identity proof (Any one of the following) -
- Pan Card
- Aadhar Card
- Voter ID
What is Mudra Loan?
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Anyone who runssmallbusinessenterprise iseligible to applyfor Mudra Loan.
Mudra Loandivided are given threecategories:
- Shishu category
- Kishore category
- Tarun category
How to fill Mudra Loan application form?
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Applicantswillhave tofillthe MUDRA Loan application form online/offline andfilltherequired details.Mudra Loan by contactingbank or visiting yournearest bank branch.
Which bank gives Mudra Loan?
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There are several bankswhomprovideMudra Loan as givenbelow:-
- ICICI Bank.
- Kotak Mahindra Bank.
- Standard Chartered Bank.
- Indian Bank.
- State Bank of Patiala.
- Bank of India.
- Central Bank of India.
What is the repayment period in Mudra Loan?
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The loan repaymentperiod is extended to60 months.
How to apply Mudra Loan in SBI ?
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You can visitwebsiteand nearest bankbranchin aspect ofrequestingaapplication form tofillrequired details with attaching necessarydocuments.
How much can I get in pm Mudra Loan?
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You can get up to 10lakh has a maximum loan amount.
What are the three kinds of Mudra Yojana Loan?
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- Tarun:Rs.5 lakh to Rs.10 lakh
- Kishor:Rs.50,000 to Rs.5 lakh
- Shishu:Up to Rs.50,000
What is the Interest Rate applicable on PM Mudra Loan?
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Interest Rate of PMMudra Loan starting at 7.30% p.a.
