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Indian Banking product:MSME Loan

 

4. MSME LOAN (सूक्ष्म, लघु और मध्यम उद्यम ऋण)

Definition:

Jab bank chhoti (Micro), madhyam (Small) aur madhyam-se-badi (Medium) industries ko business shuru karne ya expand karne ke liye loan deta hai, to ise MSME Loan kehte hain.

MSME Loan ke Prakaar (Types of MSME Loans)


















  1. Working Capital Loan (कार्यशील पूंजी ऋण) – Daily business expenses ke liye.

  2. Term Loan (मियादी ऋण) – Factory, machine ya naye setup ke liye.

  3. Mudra Loan (मुद्रा ऋण) – Chhoti business units jaise dukaan, startup ya self-employment ke liye.

  4. Stand-Up India Loan – Women entrepreneurs aur SC/ST business owners ke liye.

  5. Technology Upgradation Loan – Purani machines replace karne aur naye technology adopt karne ke liye.

MSME Loan ka Mahatva (Importance of MSME Loans)

✔ Naye businesses shuru hote hain – Jo naye rozgaar create karte hain.
✔ India ki economy grow karti hai – MSME sector Bharat ka backbone hai.
✔ Self-employment badhta hai – Log apna khud ka business shuru kar sakte hain.

Example: Real-Life MSME Loan Case

Maniye Anil ek chhoti factory chalata hai jo steel pipes banati hai. Usne ₹10 lakh ka MSME loan liya naye machines lagane ke liye. Ab uski factory aur bhi zyada production kar rahi hai aur usne 5 naye logon ko naukri di.

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