Presentation on Mudra yojana by kartik parashar
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This ppt is all about the Pradhan Mantri Mudra Yojana cover its purpose, elegibility, as well as sectors covered under the schemeand also various other information related to scheme.
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Mudra loan
MUDRA (Micro Units Development and Refinance Agency) was launched in 2015 to provide financial assistance to small businesses and entrepreneurs. It aims to support businesses in manufacturing, services, and trading with loan amounts between Rs. 50,000 to Rs. 10,00,000 across three categories. Eligible businesses include small manufacturers, shopkeepers, artisans, etc. Loans have benefits like low interest rates between 9-12%, flexible repayment periods, and no collateral requirements. Upon approval, applicants receive a MUDRA card that can be used like an ATM/debit card to access funds and make purchases.
Mudra yojana
This document provides an overview of the MUDRA Loan Bank scheme in India. The key points are:
1. MUDRA Loan Bank was launched in 2015 by Prime Minister Modi to provide financial support to small businesses and entrepreneurs.
2. There are three types of MUDRA loans - Shishu for startups up to Rs. 50,000, Kishore for established small businesses up to Rs. 5 lacs, and Tarun for expanding businesses up to Rs. 10 lacs.
3. Eligibility includes being an Indian citizen with a micro or small business. Loans can be applied for through participating banks.
4. The goals of the program are to support the micro
MUDRA YOJNA.pptx1
The document summarizes the Mudra Yojana loan scheme in India. It discusses that the scheme was launched in 2015 to provide financial support to small businesses and entrepreneurs. It offers three types of loans - Shishu for startups up to Rs. 50,000, Kishore for established small businesses up to Rs. 5 lakhs, and Tarun for expanding businesses up to Rs. 10 lakhs. Indian citizens engaged in small businesses can apply through participating banks. The loans aim to promote financial inclusion, entrepreneurship and boost the Indian economy through job creation and increased demand.
NABARD
NABARD is the apex development bank of India that was established in 1982 to provide credit and related services for agriculture and rural development. It replaced the agricultural credit departments of the RBI and provides refinancing support to rural financial institutions. NABARD also works to enhance access to financial services in rural areas through programs like self-help group bank linkage and develops rural infrastructure through funds like RIDF.
Nabard & its innovative function in promoting rural
NABARD was established in 1982 as an apex development bank in India to facilitate credit flow to rural areas for promoting agriculture and rural development. It provides refinancing support and training to rural financial institutions. Some of NABARD's innovative functions include the EShakti project for digitizing self-help groups, the Rural Innovation Fund to support unconventional rural livelihood projects, and an action research project providing repeated microcredit to help rural households move out of poverty.
Mudra loan scheme
MUDRA Bank provides business loans to small businesses and entrepreneurs in India. It operates as a refinancing institution through intermediaries. There are three types of loans - Shishu for loans up to 50,000 INR, Kishor for loans between 50,000-5 lakhs INR, and Tarun for loans between 5-10 lakhs INR. Eligible businesses include small shops, food vendors, artisans, and other non-farm businesses. The goal is to empower small businesses and generate employment opportunities in India.
Priority sector lending
The document discusses priority sector lending in India. It defines priority sectors as agriculture, small scale industries, and other identified sectors of economic importance. It provides details on categories of lending covered under priority sectors such as short term crop loans, medium and long term agriculture loans, small scale industry loans, and loans to weaker sections. It also outlines priority sector lending targets for domestic and foreign banks in India and monitoring of priority sector lending by the Reserve Bank of India.
Indian banking system
The document provides an overview of the Indian banking system. It discusses the structure of the system, which includes the Reserve Bank of India (central bank), scheduled commercial banks (public sector banks, private sector banks, foreign banks, regional rural banks, cooperative banks), and their roles. It also summarizes the primary functions of banks, which are accepting various types of deposits from the public and granting loans and advances. Secondary functions of banks include performing agency functions like funds transfer and collection services, as well as general utility functions.
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Mudra loan
MUDRA (Micro Units Development and Refinance Agency) was launched in 2015 to provide financial assistance to small businesses and entrepreneurs. It aims to support businesses in manufacturing, services, and trading with loan amounts between Rs. 50,000 to Rs. 10,00,000 across three categories. Eligible businesses include small manufacturers, shopkeepers, artisans, etc. Loans have benefits like low interest rates between 9-12%, flexible repayment periods, and no collateral requirements. Upon approval, applicants receive a MUDRA card that can be used like an ATM/debit card to access funds and make purchases.
Mudra yojana
This document provides an overview of the MUDRA Loan Bank scheme in India. The key points are:
1. MUDRA Loan Bank was launched in 2015 by Prime Minister Modi to provide financial support to small businesses and entrepreneurs.
2. There are three types of MUDRA loans - Shishu for startups up to Rs. 50,000, Kishore for established small businesses up to Rs. 5 lacs, and Tarun for expanding businesses up to Rs. 10 lacs.
3. Eligibility includes being an Indian citizen with a micro or small business. Loans can be applied for through participating banks.
4. The goals of the program are to support the micro
MUDRA YOJNA.pptx1
The document summarizes the Mudra Yojana loan scheme in India. It discusses that the scheme was launched in 2015 to provide financial support to small businesses and entrepreneurs. It offers three types of loans - Shishu for startups up to Rs. 50,000, Kishore for established small businesses up to Rs. 5 lakhs, and Tarun for expanding businesses up to Rs. 10 lakhs. Indian citizens engaged in small businesses can apply through participating banks. The loans aim to promote financial inclusion, entrepreneurship and boost the Indian economy through job creation and increased demand.
NABARD
NABARD is the apex development bank of India that was established in 1982 to provide credit and related services for agriculture and rural development. It replaced the agricultural credit departments of the RBI and provides refinancing support to rural financial institutions. NABARD also works to enhance access to financial services in rural areas through programs like self-help group bank linkage and develops rural infrastructure through funds like RIDF.
Nabard & its innovative function in promoting rural
NABARD was established in 1982 as an apex development bank in India to facilitate credit flow to rural areas for promoting agriculture and rural development. It provides refinancing support and training to rural financial institutions. Some of NABARD's innovative functions include the EShakti project for digitizing self-help groups, the Rural Innovation Fund to support unconventional rural livelihood projects, and an action research project providing repeated microcredit to help rural households move out of poverty.
Mudra loan scheme
MUDRA Bank provides business loans to small businesses and entrepreneurs in India. It operates as a refinancing institution through intermediaries. There are three types of loans - Shishu for loans up to 50,000 INR, Kishor for loans between 50,000-5 lakhs INR, and Tarun for loans between 5-10 lakhs INR. Eligible businesses include small shops, food vendors, artisans, and other non-farm businesses. The goal is to empower small businesses and generate employment opportunities in India.
Priority sector lending
The document discusses priority sector lending in India. It defines priority sectors as agriculture, small scale industries, and other identified sectors of economic importance. It provides details on categories of lending covered under priority sectors such as short term crop loans, medium and long term agriculture loans, small scale industry loans, and loans to weaker sections. It also outlines priority sector lending targets for domestic and foreign banks in India and monitoring of priority sector lending by the Reserve Bank of India.
Indian banking system
The document provides an overview of the Indian banking system. It discusses the structure of the system, which includes the Reserve Bank of India (central bank), scheduled commercial banks (public sector banks, private sector banks, foreign banks, regional rural banks, cooperative banks), and their roles. It also summarizes the primary functions of banks, which are accepting various types of deposits from the public and granting loans and advances. Secondary functions of banks include performing agency functions like funds transfer and collection services, as well as general utility functions.
Pradhan Mantri Mudra Yojna Scheme
The Pradhan Mantri Mudra Yojana (PMMY) is a government scheme that provides loans of up to 10 lakhs to small business owners and entrepreneurs. The scheme aims to provide funding to small businesses that do not have access to formal banking credit. There are three types of loans under PMMY - Shishu loans of up to 50,000 rupees, Kishor loans between 50,000-5 lakhs, and Tarun loans between 5-10 lakhs. Eligible individuals can apply for these loans at public sector banks, regional rural banks, cooperative banks, private banks, microfinance institutions or NBFCs by providing identity, residence and business proofs along
Indian Banking Structure
Banking Structure in India:
This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
Idbi bank
Industrial Development Bank of India (IDBI) was established in 1964 as a development bank to promote industry in India. It has over 3,350 ATMs and 1,853 branches across India and one overseas branch in Dubai. IDBI provides loans, banking services, and financial products to corporations and individuals with a focus on developing small industries and rural/backward areas of India. Its subsidiaries include SIDBI, IDBI Bank, and companies focused on asset management, capital markets, and insurance.
Industrial finance corporation of india(ifci)
The Industrial Finance Corporation of India (IFCI) was established in 1948 by the Government of India as the country's first development financial institution to provide long-term financing to industrial sectors. IFCI aims to make medium and long-term credit more accessible to manufacturing, mining, and other industrial businesses. It provides loans, underwrites shares and debentures, and engages in promotional activities like research, technical assistance, and guidance to new entrepreneurs. IFCI's resources include loans from the Reserve Bank of India, capital from shareholders including IDBI Bank, retained earnings, and commercial borrowings both domestic and international.
SFCs, State Financial Cooperation
The document summarizes State Financial Corporations (SFCs) in India. SFCs were established by state governments in 1951 to provide financial assistance to small and medium industries. Their main functions are to provide loans, guarantees, and underwriting to eligible small and medium industries. SFCs are governed by boards of directors and obtain capital from sources such as share capital, bonds, debentures, public deposits, and state government borrowings. While SFCs aim to promote regional industrial development, they have been criticized for issues like inadequate assistance, delays in loan approvals, and a lack of technical expertise. Currently there are 18 SFCs operating in India.
Role of Commercial Banks in India
Commercial banks in India play an important role in economic development by providing capital, credit, and financial services. They accelerate capital formation, provide financing to agriculture, industry and infrastructure, help monetize the rural economy by expanding branches, and implement monetary policy. Nationalization of banks in 1969 and 1980 aimed to ensure credit allocation aligned with development priorities and expand access to agricultural communities. The structure of the Indian banking system includes public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. Commercial banks perform key functions like accepting deposits, advancing loans, discounting bills, and providing agency and general services.
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The document discusses NABARD (National Bank for Agriculture and Rural Development), an apex development bank established in 1982 to facilitate credit flow for rural development in India. It outlines NABARD's vision, mission, organizational structure, roles and functions, which include providing refinance support and loans to rural banks and institutions, developing model agriculture projects, and building capacity through training. The document also describes some of NABARD's promotional efforts like providing technology support to NGOs and innovative microfinance projects.
National small industries corporation ltd. (nsic)
The document summarizes the services provided by the National Small Industries Corporation (NSIC) to support small and medium enterprises in India. NSIC provides integrated support services including marketing support, technology support, credit support, and other services. It operates through various zonal offices, branch offices, sub-offices, and technical centers to deliver schemes focused on enhancing competitiveness through finance, marketing, and technology assistance.
Rural Banking in India
Rural banking in India faces several challenges. NABARD plays an important role by providing refinance to rural banks, promoting rural development, and supervising cooperative banks. It offers long-term and short-term loans for agriculture and allied activities, as well as financial products for rural infrastructure, MSMEs, and deposits. However, rural banking faces challenges like competition, high investment needs due to scattered customers, inadequate rural infrastructure, irregular repayments, operational difficulties in rural areas, and achieving profitability. NABARD aims to overcome these challenges and promote sustainable rural prosperity through its various developmental and financial functions.
Unit 1 regional rural banks
Regional Rural Banks (RRBs) were established in India in 1975 to provide banking facilities to rural areas. They are jointly owned by the central government, state government and sponsoring commercial bank. RRBs focus on providing credit and banking services to small and marginal farmers, agricultural laborers and small businesses in rural areas. They accept deposits and offer loans, remittance facilities, and other banking services. However, over time RRBs have faced issues like inadequate finances, high loan defaults, and lack of coordination with other financial institutions which has impacted their effectiveness in developing rural regions of India.
SIDBI
• The 'District Industries Centre' (DICs) programme was started by the central government in 1978 with the objective of providing a focal point for promoting small, tiny, cottage and village industries in a particular area and to make available to them all necessary services and facilities at one place.
• The District Industries Centre is the institution at the District level, which provides all the services and support facilities to the entrepreneur for setting up Micro, Small and Medium Enterprises. This included identification of suitable schemes, preparation of feasibility reports, arrangements for credit facilities, machinery and equipments, provision of raw materials and development of industrial clusters etc.
• Established in 1940
• Vision is to be primary driving force of commercially sustainable industrial development .
• Industrial development Corporations are companies or agencies in India which were established at various times under the policy of Government of India for the promotion of small - scale industries.
• A Central Industrial Finance corporation was set up under the industrial Finance corporations Act, 1948 in order to provide medium and long term credit to industrial undertakings which fall outside normal activities of commercial banks.
• The State governments expressed their desire that similar corporations be set up in states to supplement the work of the Industrial financial corporation. State governments also expressed that the State corporations be established under a special statue in order to make it possible to incorporate in the constitutions necessary provisions in regard to majority control by the government, guaranteed by the State government in regard to the payment principal. In order to implement the views Expressed by the State governments the State Financial Corporation bill was introduced in the Parliament.
• Small Industries Development Bank of India (SIDBI), set up on April 2, 1990 under an Act of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities.
• It was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of India.
• The purpose is to provide refinance facilities and short term lending to industries. Its headquarters is in Lucknow.
• Former Deputy Managing Director is Shri N.K. Maini. Dr. Kshatrapati Shivaji is the new Chairman and Managing Director of the organisation.
Niesbud ppt
The National Institute for Entrepreneurship and Small Business Development (NIESBUD) was established in 1983 by the Ministry of Industry, Government of India. NIESBUD coordinates various institutions involved in entrepreneurship development, especially small industries. It provides vital support to trainers, promoters, and entrepreneurs through research, documentation, consultancy services nationally and internationally. NIESBUD's mission is to promote, support and sustain entrepreneurship and small businesses through training, education, research, consultancy and other interventions worldwide.
commercial banks
Commercial banks play a vital role in a country's economic development by providing short-term loans and credit. They accept deposits from the public and use those funds to issue loans. In India, many commercial banks were nationalized in 1969 and 1980 in order to increase government control over credit and promote lending to priority sectors like agriculture. Nationalized banks have expanded branches, especially in rural areas, but still need to improve lending and deposit mobilization. Commercial banks perform functions like accepting deposits, lending funds, operating checking accounts, and transferring money. They include public sector banks, private banks, foreign banks, and regional rural banks.
Co operative banking in india
Co-operative banking in India originated from the Co-operative Societies Act of 1904, which aimed to help small farmers and artisans access credit. It has a three-tier structure including primary agricultural credit societies, central co-operative banks, and state co-operative banks. Co-operative banks are owned and controlled by their members and operate according to cooperative principles rather than for pure profit. They play an important role in providing credit to farmers but have also faced challenges including dual control by regulatory bodies.
NABARD
NABARD is India's apex development bank that focuses on rural development. It provides refinancing support and develops rural infrastructure to promote agriculture and rural development. NABARD also regulates cooperative banks and rural banks. It works to expand financial inclusion through programs like self-help groups and credit cards for farmers. While NABARD has significantly contributed to rural development, it faces challenges in adequately financing some regions and maintaining its link to the central bank.
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The document provides an overview of the Indian banking system. It discusses the history and evolution of banking in India from the establishment of the first bank in 1786 to the current system. It describes the key components of the current banking system including the Reserve Bank of India (RBI), scheduled commercial banks, cooperative banks, and tools used by RBI to regulate the system like cash reserve ratio, repo rate, and statutory liquidity ratio. The banking system has transitioned India to a strong economy with robust banking.
Sidbi
The Small Industries Development Bank of India (SIDBI) was established in 1989 as the principal financial institution for promoting, financing and developing small industries in India. SIDBI's mission is to empower micro, small and medium enterprises to make them strong, vibrant and globally competitive. Its key objectives are financing, promotion, development and coordination of small industries. SIDBI offers various direct financing, refinancing, bills financing and international financing schemes as well as promotional and developmental activities like entrepreneurship training to support small businesses.
microfinance models
The document discusses various models of microfinance including joint liability groups, credit unions, cooperatives, community banking, bank guarantees, non-governmental organizations, and village banking. It also describes two common channels for microfinance - self help group bank linkage programs and microfinance institutions. Under each model or channel, it provides brief details about features, formation process, advantages and disadvantages.
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Pradhan Mantri Mudra Yojna Scheme
The Pradhan Mantri Mudra Yojana (PMMY) is a government scheme that provides loans of up to 10 lakhs to small business owners and entrepreneurs. The scheme aims to provide funding to small businesses that do not have access to formal banking credit. There are three types of loans under PMMY - Shishu loans of up to 50,000 rupees, Kishor loans between 50,000-5 lakhs, and Tarun loans between 5-10 lakhs. Eligible individuals can apply for these loans at public sector banks, regional rural banks, cooperative banks, private banks, microfinance institutions or NBFCs by providing identity, residence and business proofs along
Indian Banking Structure
Banking Structure in India:
This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
Idbi bank
Industrial Development Bank of India (IDBI) was established in 1964 as a development bank to promote industry in India. It has over 3,350 ATMs and 1,853 branches across India and one overseas branch in Dubai. IDBI provides loans, banking services, and financial products to corporations and individuals with a focus on developing small industries and rural/backward areas of India. Its subsidiaries include SIDBI, IDBI Bank, and companies focused on asset management, capital markets, and insurance.
Industrial finance corporation of india(ifci)
The Industrial Finance Corporation of India (IFCI) was established in 1948 by the Government of India as the country's first development financial institution to provide long-term financing to industrial sectors. IFCI aims to make medium and long-term credit more accessible to manufacturing, mining, and other industrial businesses. It provides loans, underwrites shares and debentures, and engages in promotional activities like research, technical assistance, and guidance to new entrepreneurs. IFCI's resources include loans from the Reserve Bank of India, capital from shareholders including IDBI Bank, retained earnings, and commercial borrowings both domestic and international.
SFCs, State Financial Cooperation
The document summarizes State Financial Corporations (SFCs) in India. SFCs were established by state governments in 1951 to provide financial assistance to small and medium industries. Their main functions are to provide loans, guarantees, and underwriting to eligible small and medium industries. SFCs are governed by boards of directors and obtain capital from sources such as share capital, bonds, debentures, public deposits, and state government borrowings. While SFCs aim to promote regional industrial development, they have been criticized for issues like inadequate assistance, delays in loan approvals, and a lack of technical expertise. Currently there are 18 SFCs operating in India.
Role of Commercial Banks in India
Commercial banks in India play an important role in economic development by providing capital, credit, and financial services. They accelerate capital formation, provide financing to agriculture, industry and infrastructure, help monetize the rural economy by expanding branches, and implement monetary policy. Nationalization of banks in 1969 and 1980 aimed to ensure credit allocation aligned with development priorities and expand access to agricultural communities. The structure of the Indian banking system includes public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. Commercial banks perform key functions like accepting deposits, advancing loans, discounting bills, and providing agency and general services.
Public vs private sector banks in india
a presentation on the detailed analysis and comparison of public sector banks and private sector banks in India.
Nabard ppt
The document discusses NABARD (National Bank for Agriculture and Rural Development), an apex development bank established in 1982 to facilitate credit flow for rural development in India. It outlines NABARD's vision, mission, organizational structure, roles and functions, which include providing refinance support and loans to rural banks and institutions, developing model agriculture projects, and building capacity through training. The document also describes some of NABARD's promotional efforts like providing technology support to NGOs and innovative microfinance projects.
National small industries corporation ltd. (nsic)
The document summarizes the services provided by the National Small Industries Corporation (NSIC) to support small and medium enterprises in India. NSIC provides integrated support services including marketing support, technology support, credit support, and other services. It operates through various zonal offices, branch offices, sub-offices, and technical centers to deliver schemes focused on enhancing competitiveness through finance, marketing, and technology assistance.
Rural Banking in India
Rural banking in India faces several challenges. NABARD plays an important role by providing refinance to rural banks, promoting rural development, and supervising cooperative banks. It offers long-term and short-term loans for agriculture and allied activities, as well as financial products for rural infrastructure, MSMEs, and deposits. However, rural banking faces challenges like competition, high investment needs due to scattered customers, inadequate rural infrastructure, irregular repayments, operational difficulties in rural areas, and achieving profitability. NABARD aims to overcome these challenges and promote sustainable rural prosperity through its various developmental and financial functions.
Unit 1 regional rural banks
Regional Rural Banks (RRBs) were established in India in 1975 to provide banking facilities to rural areas. They are jointly owned by the central government, state government and sponsoring commercial bank. RRBs focus on providing credit and banking services to small and marginal farmers, agricultural laborers and small businesses in rural areas. They accept deposits and offer loans, remittance facilities, and other banking services. However, over time RRBs have faced issues like inadequate finances, high loan defaults, and lack of coordination with other financial institutions which has impacted their effectiveness in developing rural regions of India.
SIDBI
• The 'District Industries Centre' (DICs) programme was started by the central government in 1978 with the objective of providing a focal point for promoting small, tiny, cottage and village industries in a particular area and to make available to them all necessary services and facilities at one place.
• The District Industries Centre is the institution at the District level, which provides all the services and support facilities to the entrepreneur for setting up Micro, Small and Medium Enterprises. This included identification of suitable schemes, preparation of feasibility reports, arrangements for credit facilities, machinery and equipments, provision of raw materials and development of industrial clusters etc.
• Established in 1940
• Vision is to be primary driving force of commercially sustainable industrial development .
• Industrial development Corporations are companies or agencies in India which were established at various times under the policy of Government of India for the promotion of small - scale industries.
• A Central Industrial Finance corporation was set up under the industrial Finance corporations Act, 1948 in order to provide medium and long term credit to industrial undertakings which fall outside normal activities of commercial banks.
• The State governments expressed their desire that similar corporations be set up in states to supplement the work of the Industrial financial corporation. State governments also expressed that the State corporations be established under a special statue in order to make it possible to incorporate in the constitutions necessary provisions in regard to majority control by the government, guaranteed by the State government in regard to the payment principal. In order to implement the views Expressed by the State governments the State Financial Corporation bill was introduced in the Parliament.
• Small Industries Development Bank of India (SIDBI), set up on April 2, 1990 under an Act of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities.
• It was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of India.
• The purpose is to provide refinance facilities and short term lending to industries. Its headquarters is in Lucknow.
• Former Deputy Managing Director is Shri N.K. Maini. Dr. Kshatrapati Shivaji is the new Chairman and Managing Director of the organisation.
Niesbud ppt
The National Institute for Entrepreneurship and Small Business Development (NIESBUD) was established in 1983 by the Ministry of Industry, Government of India. NIESBUD coordinates various institutions involved in entrepreneurship development, especially small industries. It provides vital support to trainers, promoters, and entrepreneurs through research, documentation, consultancy services nationally and internationally. NIESBUD's mission is to promote, support and sustain entrepreneurship and small businesses through training, education, research, consultancy and other interventions worldwide.
commercial banks
Commercial banks play a vital role in a country's economic development by providing short-term loans and credit. They accept deposits from the public and use those funds to issue loans. In India, many commercial banks were nationalized in 1969 and 1980 in order to increase government control over credit and promote lending to priority sectors like agriculture. Nationalized banks have expanded branches, especially in rural areas, but still need to improve lending and deposit mobilization. Commercial banks perform functions like accepting deposits, lending funds, operating checking accounts, and transferring money. They include public sector banks, private banks, foreign banks, and regional rural banks.
Co operative banking in india
Co-operative banking in India originated from the Co-operative Societies Act of 1904, which aimed to help small farmers and artisans access credit. It has a three-tier structure including primary agricultural credit societies, central co-operative banks, and state co-operative banks. Co-operative banks are owned and controlled by their members and operate according to cooperative principles rather than for pure profit. They play an important role in providing credit to farmers but have also faced challenges including dual control by regulatory bodies.
NABARD
NABARD is India's apex development bank that focuses on rural development. It provides refinancing support and develops rural infrastructure to promote agriculture and rural development. NABARD also regulates cooperative banks and rural banks. It works to expand financial inclusion through programs like self-help groups and credit cards for farmers. While NABARD has significantly contributed to rural development, it faces challenges in adequately financing some regions and maintaining its link to the central bank.
Banking:- Role - Structure - Public sector and private sector banks - schedul...
Banking:-
Role of banks in business
Structure of commercial banking in India
Public sector and private sector banks - scheduled banks
Foreign banks new generation banks
Functions of commercial banks
Changing scenario in commercial Banking.
Indian banking system
The document provides an overview of the Indian banking system. It discusses the history and evolution of banking in India from the establishment of the first bank in 1786 to the current system. It describes the key components of the current banking system including the Reserve Bank of India (RBI), scheduled commercial banks, cooperative banks, and tools used by RBI to regulate the system like cash reserve ratio, repo rate, and statutory liquidity ratio. The banking system has transitioned India to a strong economy with robust banking.
Sidbi
The Small Industries Development Bank of India (SIDBI) was established in 1989 as the principal financial institution for promoting, financing and developing small industries in India. SIDBI's mission is to empower micro, small and medium enterprises to make them strong, vibrant and globally competitive. Its key objectives are financing, promotion, development and coordination of small industries. SIDBI offers various direct financing, refinancing, bills financing and international financing schemes as well as promotional and developmental activities like entrepreneurship training to support small businesses.
microfinance models
The document discusses various models of microfinance including joint liability groups, credit unions, cooperatives, community banking, bank guarantees, non-governmental organizations, and village banking. It also describes two common channels for microfinance - self help group bank linkage programs and microfinance institutions. Under each model or channel, it provides brief details about features, formation process, advantages and disadvantages.
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A Short Review of MUDRA
MUDRA in a short span of about 7 months has been showing impressive performance in terms of statistics revealed. However, the impact on the ground appears to be missing. There are some unanswered questions which this presentation lists out and some suggestions on how and what needs to be done.
Mudhra scheme
The Mudhra scheme provides loans to young entrepreneurs through Micro Units Development and Refinance Agency (MUDRA) Bank. It offers loans divided into three categories - Shishu (up to Rs. 50,000), Kishore (Rs. 50,000 to Rs. 5 lakh) and Tarun (Rs. 5 lakh to Rs. 10 lakh). Over 27 lakh small entrepreneurs have received Rs. 240 billion in loans under the scheme. It aims to promote entrepreneurship especially in rural areas by providing easy access to funding.
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The Mudhra scheme provides loans to young entrepreneurs through Micro Units Development and Refinance Agency (MUDRA) Bank. It offers loans divided into three categories - Shishu (up to Rs. 50,000), Kishore (Rs. 50,000 to Rs. 5,00,000), and Tarun (Rs. 5,00,000 to Rs. 10,00,000). Under the scheme, banks have disbursed over Rs. 240 billion to 27 lakh small entrepreneurs. The scheme aims to promote entrepreneurship and help develop small scale industries in India.
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Presentation on Mudra yojana by kartik parashar
- 1. Presentation on “MUDRA” YOJANA PREPARED BY : KARTIK PARASHAR
- 3. About the scheme……. • Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of India to “fund the unfunded” by bringing such enterprises to the formal financial system and extending affordable credit to them. • It enables a small borrower to borrow from all Public Sector Banks such as PSU Banks, Regional Rural Banks and Cooperative Banks, Private Sector Banks, Foreign Banks, Micro Finance Institutions (MFI) and Non Banking Finance Companies (NBFC) for loans upto Rs 10 lakhs for non-farm income generating activities.
- 4. Who is eligible for scheme ? • Any Indian Citizen who has a business plan for a non-farm sector income generating activity such as manufacturing, processing, trading or service sector and whose credit need is less than Rs 10 lakh can approach either a Bank, MFI, or NBFC for availing of Micro Units Development & Refinance Agency Ltd. (MUDRA) loans under Pradhan Mantri Mudra Yojana (PMMY).
- 6. Types of loans provided • Under the aegis of Pradhan Mantri MUDRA Yojana, MUDRA has already created the following products / schemes. SHISHU :covering loans upto 50,000/- KISHORE :covering loans above 50,000/- and upto 5 lakh TARUN : covering loans above 5 lakh and upto 10 lakh
- 7. Cntd……. • The interventions have been named 'Shishu', 'Kishor' and 'Tarun' to signify the stage of growth, development and funding needs of the beneficiary micro unit / entrepreneur and also provide a reference point for the next phase of graduation growth to look forward to. • It would be ensured that at least 60% of the credit flows to Shishu Category Units and the balance to Kishor and Tarun Categories. There is no subsidy for the loan given under PMMY. • However, if the loan proposal is linked some Government scheme, wherein the Government is providing capital subsidy, it will be eligible under PMMY also.
- 8. Purpose of the scheme • Mudra loan is extended for a variety of purposes which provide income generation and employment creation. The loans are extended mainly for : • Business loan for Vendors, Traders, Shopkeepers and other Service Sector activities • Working capital loan through MUDRA Cards • Equipment Finance for Micro Units • Transport Vehicle loans
- 9. Sectors covered under the scheme • Land Transport Sector / Activity – auto rickshaw, small goods transport vehicle, 3 wheelers, e-rickshaw, passenger cars, taxis, etc. • Community, Social & Personal Service Activities - Such as saloons, beauty parlours, gymnasium, boutiques, tailoring shops, dry cleaning, cycle and motorcycle repair shop, DTP and Photocopying Facilities, Medicine Shops, Courier Agents, etc. • Food Products Sector - Support would be available for undertaking activities such as papad making, achaar making, jam / jelly making, agricultural produce preservation at rural level, sweet shops, small service food stalls and day to day catering
- 10. Cntd……….. • Textile Products Sector / Activity - • To provide support for undertaking activities such as handloom, powerloom, chikan work, zari and zardozi work, traditional embroidery and hand work, traditional dyeing and printing, apparel design, knitting, cotton ginning, computerized embroidery, stitching and other textile non garment products such as bags, vehicle accessories, furnishing accessories, etc.
- 11. Other facilities of the scheme: Mudra Debit Card
- 12. Cntd…… • MUDRA Card is an innovative product which provides working capital facility as a cash credit arrangement. MUDRA Card is a debit card issued against the MUDRA loan account, for working capital portion of the loan. • The borrower can make use of MUDRA Card in multiple withdrawal and credit, so as to manage the working capital limit in a most efficient manner and keep the interest burden minimum. MUDRA Card will also help in digitalization of MUDRA transactions and creating credit history for the borrower.
- 14. About Facts & figures of Scheme