आखिर क्यों नहीं देते बैंक नये और छोटे उद्यमी को लोन..??

वर्तमान में MUDRA, STANDUP INDIA, STARTUP INDIA, PMEGP, MSME Loan जैसी ऐसी कई योजनाए है जो छोटे एवं नए उद्यमी को आसानी से लोन मुहैय्या करवाकर अपना बिज़नेस स्थापित करने के लिएे प्रोत्साहित करती है।
50 हज़ार से 10 लाख तक के लोन के लिए MUDRA योजना को बनाया गया है।
माइक्रो यूनिट जिसका प्रोजेक्ट कॉस्ट अधिकत्तम 25 लाख है को PMEGP Scheme के तहत प्रोजेक्ट कॉस्ट का 90-95% लोन और 15-35% तक सब्सिडी के माध्यम से ऋण छूट की भी व्यवस्था है।
ऐसे ही women और अनुसूचित जाति/जनजाति को 10 लाख से 1 करोड़ तक के प्रोजेक्ट के लिए Standup India Scheme में ऐसे नियम बनाये गए है जिससे की इन्हें आसानी से लोन मिल सके।
इन सभी स्कीम में ऑनलाईन लोन आवेदन की स्थिति का पूरा रिकॉर्ड रखकर बिचौलियों और दलालो से बचाने के साथ साथ बैंक के द्वारा लोन देने की प्रक्रिया में लिए जाने वाले अधिकत्तम समय को सुनिश्चित किया गया है।
1लाख से लेकर 10 करोड़ तक के प्रोजेक्ट को MSME Scheme में शामिल करके उन्हें बिज़नेस के लिए प्रोजेक्ट कॉस्ट का 70-75% तक बैंकलोन तक की सुविधा दी जा रही है।
RBI के द्वारा सर्कुलर जारी करके 10 लाख तक के बिज़नेस लोन बिना कोलेटरल सिक्योरिटी एवं गारंटी के देने का निर्देश दिया गया है, साथ ही CGTMSE जैसी स्कीम के माध्यम से सरकार अपनी गारंटी पर 2 करोड़ तक के अच्छे प्रोजेक्ट को बिना कोलेटरल सिक्योरिटी एवं गारंटी के लोन देने की व्यवस्था की गई है।

लेकिन इतनी योजनाओ के बावजूद हकीकत यह देखा जा रहा है कि अधिकत्तम नए एवम छोटे उद्यमी अपने बिज़नेस के लिए जरूरी लोन के लिए एक बैंक से दूसरे बैंक के चक्कर लगा लगाकर थक जाता है लेकिन उन्हें ऐसा लोन नही मिल पा रहा है, बैंक उन्हें लोन देने से मना कर देते है।
आखिर ऐसा क्यों हो रहा है,, बैंक नए उद्यमी से सही से बात नही करती उन्हें बिज़नेस स्टार्ट करने के लिए जरूरी लोन की सुविधा उपलब्ध नही करवाती..?
कई बैंक और नए उद्यमियों से बात करने के बाद जो तथ्य सामने आए वो मैं आपके साथ साझा कर रहा हूँ।

अधिकत्तम नए और छोटे उद्यमी जो बैंक से लोन लेने जाते है;
– वो अपने बिज़नेस का प्रोजेक्ट रिपोर्ट तक तैयार नही करते है, जो कि बिज़नेस लोन के लिए सबसे महत्वपूर्ण रिपोर्ट होता है जो बैंक को उद्यमी और उसके द्वारा किये जाने वाले बिज़नेस के बारे में सबकुछ बताता है, महत्वपूर्ण जानकारी जो प्रोजेक्ट रिपोर्ट से मिलती है के आधार पर बैंक तय करते है कि उद्यमी में बिज़नेस से लाभ कमाकर लोन वापस करने की क्षमता है या नही लेकिन ज्यादातर नए उद्यमी जो बैंक पहुँचते है लोन के लिए उन्होंने अपने बिज़नेस का प्रोजेक्ट रिपोर्ट तक तैयार नही किया होता है ऐसे में किसी भी बैंक के द्वारा लोन देने संभव नही होता।
– प्रस्तावित उद्यम के संबंध में वास्तविक रूप से डिटेल मार्केट रिसर्च करना जरूरी होता है जिसके आधार पर उसमे प्रयोग होने वाला कच्ची सामग्री की लागत और उपलब्धता, बाजार में उनके प्रोडक्ट की डिमांड, कॉम्पिटिशन, विक्रय मूल्य, होने वाला प्रॉफिट जैसी बेसिक बातो का सही सही जानकारी होता है, डिटेल मार्केट रिसर्च के अभाव में बस सुनी सुनाई बातों के आधार पर ज्यादातर नए उद्यमी अपना बिज़नेस स्थापित करने का निर्णय लेकर बैंक के पास लोन के लिए आवेदन करते है, यदि ऐसे प्रोजेक्ट को बैंक के द्वारा लोन दिया जाता है तो आगे चलकर ऐसा प्रोजेक्ट फैल होता है और बैंक से लिया कर्ज़ के साथ साथ उद्यमी अपनी जमा पूंजी भी डुबो देते है।
– मैनुफैक्चरिंग प्रोसेस, उत्पादन में प्रयोग किया जाना वाला तकनीक, प्रोडक्ट की क़्वालिटी के साथ होने वाला प्रोसेसिंग लॉस का सही जानकारी होना जरूरी है ताकि आप कम लागत में अच्छा प्रोडूक्ट का निर्माण कर सके जो कि आपकी सफलता को तय करती है, लेकिन ऐसी जानकारी के अभाव में बैंक का लोन देने से मना कर देना बैंक और उद्यमी दोनो के हित मे होता है क्योंकि इन जानकारी के अभाव में बिज़नेस में सफल होना प्रैक्टिकल रूप से possible नही होता।
– बैंक लोन के पहले उद्यम के लिए जरूरी जमीन का पूरा पेपर या लीज़ एग्रीमेंट होना जरूरी हित ह जो कि ज्यादातर उद्यमी के पास नही होता, जमीन के लिए बैंक लोन नही देते एवं उद्यमी को चाहिए कि बैंक में लोन के लिए जाने से पहले वो अपने बिज़नेस का लोकेशन तय करके आवश्यक जमीन की व्यवस्था कर ले ताकि बैंक को आपके द्वारा स्थापित किया जाने वाला बिज़नेस का loacation देखना हो तो उनकी team देख सके, जबतक उद्यमी के पास जरूरी जमीन नही होगा बैंक लोन देने के लिए बात नही करेगा।
– बिज़नेस में उद्यमी का अपना पैसा नही लगा होगा तो उसपर कोई रिस्क नही रहेगा और ऐसे में बिज़नेस के साथ साथ बैंक लोन का पैसा डूबना का पूरा संभावना रहता है, इस कारण उद्यमी को प्रोजेक्ट कॉस्ट का 25-30% पैसा खुद का लगाना जरूरी होता है साथ ही ये पैसा वो कहाँ से लगाएगा इसका प्रूफ बैंक को देना होता है अगर उद्यमी के पास ऐसा मार्जिन मनी नही है तो बैंक लोन देने से मना कर सकता है।
– बिज़नेस के लिए जरूरी रेजिस्ट्रेशन और NOC के लिए आवेदन की कॉपी बैंक को देना जरूरी है जबकि बिज़नेस लोन के लिए आवेदन देने वाले ज्यादातर नए उद्यमी ऐसा नही करते जिसके कारण बैंक उन्हें लोन देने से मना कर देते है।

अगर आप भी बैंक लोन की सहायता से अपना बिज़नेस स्थापित करना चाहते है तो ऊपर बताये गए उन कमियों को दूर कीजिये जो अन्य दूसरे उद्यमी करते है जिसके कारण उन्हें बैंक लोन देने से मना करते है,, फिर सही प्रकार से अपना लोन फ़ाइल तैयार करके डिटेल प्रोजेक्ट रिपोर्ट के साथ अपने एरिया के 4-5 बैंकों से बिज़नेस लोन के लिए बात कीजिये निश्चित रूप से आप अपना बिज़नेस स्थापित करने और उसे लगातार आगे बढ़ाने में सफल हो सकेंगे।।

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