A PRESENTATION ON MUDRA BANK. Micro Units Development and Refinance Agency Bank (or MUDRA Bank) is a public sector financial institution in India. It provides loans at low rates to micro-finance institutions and non-banking financial institutions which then provide credit to MSMEs. It was launched by Prime Minister Narendra Modi on 8 April 2015. MUDRA has been formed with primary objective of developing the micro enterprise sector in the country by extending various support including financial support in the form of refinance, so as to achieve the goal of “funding the unfunded”. The GOI Press release of 2 March 2015 has laid down the roles and responsibilities of MUDRA. Subsequently GOI has also decided that MUDRA will provide refinance support, monitor the PMMY data by managing the web portal, facilitate offering guarantees for loans granted under PMMY and take up other activities assigned to it from time to time. Accordingly MUDRA has been carrying out these functions over the last one year. As per the guidelines of Micro Units Development and Refinance Agency Ltd (MUDRA) MUDRA Card is formulated to meet the working capital needs of the micro enterprises. MUDRA loans are extended to Micro enterprises engaged in trading, service and manufacturing activities and the maximum eligible loan amount under the scheme is Rs.10.00 lakhs. The MUDRA card is a debit card on a Rupay payment platform issued to the Micro entrepreneurs who have availed the working capital loan from the Bank under Prdhan Mantri Mudra Yojana (PMMY). Bank has launched the MUDRA card on 29-08-2015. The maximum card limit under the scheme is Rs.10.00 lakhs. The card can be used for cash withdrawal at ATMs and also for merchant banking. The limit fixed to the card is valid up to due date of the OD limit and validity of Card is 5 years. The major constraints faced by the myriad of the micro enterprises along the length and breadth of the country include : • Access to Finance • Skill Development Gaps • Knowledge Gaps • Infrastructure Gaps • Policy Advocacy Needs • Information Asymmetry • Lack of growth orientation • Lack of Market Development / Market Making • Entry Level Technologies

1. BY :
SHWETA JASUJA – 21
ASHISH JESWANI – 22
SHUBHAM KAMBLE – 23
AKASH KARWA – 24
POONAM MAHAJAN – 25

2. BUDGET 2K15:
 THERE ARE 5.77 CRORE SMALL BUSINESS
UNITS
 62% ARE SCHEDULED CASTE,
SCHEDULED TRIBE OR OTHER
BACKWARD CLASS
 ONLY 4% OF SUCH UNITS GET
INSTITUTIONAL FINANCE
 WILL HAVE A CORPUS OF RS. 20,000
CRORE AND A CREDIT GAURANTEE
CORPUS OF RS. 3,000 CRORE

5. ABOUT MUDRA BANK:
Micro Units Development and Refinance Agency (MUDRA) Bank
Native name मुद्रा बैंक
Type Subsidiary
Industry Business finance
Founded 8 April 2015; 2 years ago
Headquarters [New Delhi]
Area served India
Products Microfinance and refinance
Website www.mudra.org.in

6. WHAT DOES MUDRA BANK
YOJANA AIM FOR:
 STABILIZING INDIA’S MICRO FINANCE
SECTOR VIA INCLUSIVE PARTICIPATION &
REGULATION
 AIDING AGENCIES AND MICRO FINANCE
INSTITUTION BY EXTENDING CREDIT
SUPPORT
 OFFERING STRUCTURE GUIDELINES TO
BORROWERS TO PREVENT BUSINESS
FAILURE.
 INTRODUCTION AND IMPLEMENTATION OF
TECHNOLOGICAL SUPPORT

7. ELIGIBILITY TO ATTAIN MUDRA
LOAN:
 LOAN APPLICANT MUST BE AN INDIAN
CITIZEN, UNLIKE OTHER BANKS MUDRA
BANK OFFERS LOANS FOR INDIAN
CITIZENS
 LOAN CAN BE AVAILABLE ONLY FOR
MICRO OR SMALL SCALE INDUSTRIES
 PROPER PROOF OF IDENTITY,
RESIDENCE ALONG WITH TWO SETS OF
PROPRIETOR/ PARTN ER/ DIRECTOR
PHOTOS
 LOAN AMOUNT SHOULD BE QUOTED
UNDER THE MAXIMUM LIMIT OF 10,00,000

8. TARUN SCHEME:
 FOR ENTREPRENEURS WITH
ESTABLISHED MICRO BUSINESS UNITS
BUT WOULD WANT FOR FUNDING OR
INVESTMENT FOR EXPANSION OF THE
BUSINESS
 MINIMUM LOAN AMOUNT: RS. 5,00,000
 MAXIMUM LOAN AMOUNT: RS. 10,00,000

9. KISHORE SCHEME:
 CATERS TO BUSINESS OWNERS
REQUIRING FUNDS BETWEEN RS. 50,000
TO RS. 5,00,000. THOSE WHO HAVE BEEN
ALREADY RUNNING THEIR BUSINESS FOR
SOME TIME AND NOW REQUIRES FUNDS
FOR FURTHER EXPANSION, WOULD COME
UNDER THIS CATEGORY.
 MINIMUM LOAN AMOUNT: RS. 50,000
 MAXIMUM LOAN AMOIUNT: RS. 5,00,000

10. SHISHU SCHEME:
 THIS STAGE CATERS TO
ENTREPRENEURS WHO ARE ABOUT TO
START THEIR BUSINESS, OR ARE IN THE
FIRST STAGES OF BUSINESS.
 MAXIMUM LOAN AMOUNT: RS. 50,000

11. OBJECTIVES OF MUDRA
BANK:
 TO BUILD A SUITABLE SYSTEM TO GROW
THESE BUSINESSES BY PROVIDING FINANCE
 TO SETUP A GOOD METHOD OF USING THE
LAST-MILE CREDIT AGENT SCHEME SYSTEM
TO SMALL AND MICRO BUSINESS.
 TO MAKE A GOOD CREDIT GUARANTEE
SYSTEM.
 TO ENSURE BUSINESSMAN THAT THE
BUSINESS WON’T BE A FAILURE
 REGISTERING ALL THE MICRO FINANCE
INSTITUTIONS AND AGENCIES TO EVALUATE
THE PERFORMANCE RATING

12. RESPONSIBILITIES OF MUDRA
BANK:
 LAYING DOWN POLICY GUIDELINES FOR
MICRO/SMALL ENTERPRISE FINANCING
BUSINESS
 REGISTRATION AND REGUILATION OF MFI
ENTITIES
 ACCREDITATION AND RATING OF MFI
ENTITIES
 PROMOTING RIGHT TECHNOLOGY
SOLUTIONS FOR THE LAST MILE
 FORMULATING AND RUNNING A CREDIT
GAURANTEE SCHEME
 CREATING A GOOD ARCHITECTURE OF LAST
MILE CREDIT

13. ADVANTAGES OF MUDRA
BANK:
 DEVELOPMENT OF SMEs
 EMPLOYMENT IN RURAL
 GDP GROWTH
 MAKE IN INDIA
 FACILITIES INFRASTRUCTURE
 INCREASING STANDARD OF LIVING AND
POVERTY LEVEL

14. INTEREST RATES OF MUDRA
LOAN?
 IF LOAN IS AVAILED UNDER MUDRA SHISHU
UPTO 50,000 THEN NORMAL RATES AROUND
10% - 12% INTEREST ARE CHARGED
 IF LOAN AVAILED UNDER MUDRA KISHORE
UPTO 5,00,000 WHICH COMES UNDER
UNSECURED LOANS SO INTERESTRATES
WOULD BE BETWEEN 14% - 17%
 IF LOAN AVAILED UNDER MUDRA TARUN
WITH THE MARGIN OF 5,00,000 TO 10,00,000 –
INTEREST RATE WILL BE HIGH STARTING
FROM 16% AND VARIES FROM BANK TO BANK

15. MUDRA CARD:
 As per the guidelines of Micro Units Development and Refinance
Agency Ltd (MUDRA) MUDRA Card is formulated to meet the
working capital needs of the micro enterprises.
 MUDRA loans are extended to Micro enterprises engaged in
trading, service and manufacturing activities and the maximum
eligible loan amount under the scheme is Rs.10.00 lakhs.
 The MUDRA card is a debit card on a Rupay payment platform
issued to the Micro entrepreneurs who have availed the working
capital loan from the Bank under Pradhan Mantri Mudra Yojana
(PMMY).
 Bank has launched the MUDRA card on 29-08-2015. The maximum
card limit under the scheme is Rs.10.00 lakhs. The card can be
used for cash withdrawal at ATMs and also for merchant banking.
The limit fixed to the card is valid up to due date of the OD limit and
validity of Card is 5 years.

16. MUDRA CARD

17. MUDRA LOAN VS PERSONAL
LOAN:
MUDRA LOANS PERSONAL LOANS
ONLY FOR BUSINESS PURPOSE UNIVERSAL TYPES OF LOAN
GOVERNANCE BY GOVERNMENT AVAILED BY BOTH PUBLIC AND
PRIVATE BANKS
INTEREST RATE 10% – 16% INTEREST RATE 11% - 22%
CREDIT IN FORM OF MUDRA
CARDS
CREDITED TO PERSONAL
ACCOUNT

18. STATISTICS :

19. THANK YOU