PMEGP Loan ऑनलाइन apply करने का सही procedure

PMEGP Loan लोगो को रोजगार देने के लिए बनाया गया एक ऐसा योजना है जिसमे 18 शाल से ज्यादा की उम्र वाले कोई भी ब्यक्ति चाहे स्त्री हो या पुरुष 25 लाख तक के manufacturing यूनिट या 10 लाख तक के service यूनिट लगाने के लिए अपने नजदीक के DIC/KVIC/KVIB के ऑफिस में online apply कर सकता है, आपको इस बात का विशेष ध्यान रखना है की इस स्कीम में सिर्फ और सिर्फ online आवेदन ही किया जा सकता है जिसमे आपके नजदीक के DIC/KVIC/KVIB ऑफिस में आपका एप्लीकेशन आपको सबमिट करना होता है ( इसलिए यदि कोई फ़ोन कॉल करके आपको अलग अलग तरीके से loan दिलाने का लालच देता है या फिर ये बोलता है की वो DIC ऑफिस या बैंक से बोल रहा है,, आपसे प्रोजेक्ट रिपोर्ट या मार्जिन मनी के लिए या फिर किसी भी तरह का फीस के लिए पैसो की डिमांड करता है तो निश्चित रूप से ये फ्रॉड कॉल है जो आपको loan दिलाने का लालच देकर या आपको आपके loan का sanction letter दिखाकर आपको भ्रमित करते है और आपसे प्रोजेक्ट रिपोर्ट, एप्लीकेशन submission, मार्जिन मनी या अपना कमीशन के रूप पैसे किसी बैंक अकाउंट में जमा करने को बोला जाता है, यहाँ आप इस बात का ध्यान रखिये यदि आप उनकी बातो में आकर कोई भी अमाउंट उनके द्वारा दिए गए बैंक अकाउंट में deposit करते है तो वो पैसा आपको फिर कभी मिलने वाला नहीं है )

तो सही प्रोसीजर क्या है PMEGP Loan लेने का

  • सबसे पहले आप https://www.kviconline.gov.in/pmegpeportal पर जाकर online आवेदन करे जिसमे आपको अपने नजदीक के DIC/KVIC/KVIB ऑफिस को ही सेलेक्ट करना है साथ ही आप जहाँ अपना यूनिट लगाना चाहते है उस area के किसी दो बैंक का डिटेल भी सेलेक्ट करना है जिसमे आपका application DIC/KVIC/KVIB ऑफिस से फोर्वोर्ड किया जायेगा.
  • online apply करने के कुछ दिनों के बाद सम्बंधित DIC/KVIC/KVIB ऑफिस में आपको इंटरव्यू के लिए बुलाया जाता है जिसमे आपसे आपके और आपके द्वारा लगाए जाने वाले यूनिट के बारे में पूछा जाता है यदि आप इस यूनिट को चलाने में सक्षम है तो सामान्यतः आपके आवेदन को इंटरव्यू के बाद DIC/KVIC/KVIB ऑफिस के द्वारा उस बैंक को फोर्वोर्ड कर दिया जाता है जिसे आपने आवेदन करते समय सेलेक्ट किया था. online आवेदन करने के बाद आप अपने एप्लीकेशन का प्रिंट लेकर सम्बंधित DIC/KVIC/KVIB ऑफिस में जाकर इंटरव्यू की प्रक्रिया और डेट के बारे में जानकारी ले सकते है.
  • इंटरव्यू के बाद आपका एप्लीकेशन बैंक को फोर्वोर्ड कर दिया जाता है जहाँ से आपको loan मिलेगा, फोर्वार्डिंग letter को आप PMEGP के e-portal पर भी देख सकते है ,अब आप इसका प्रिंट लेकर बैंक से जाकर अपने प्रोजेक्ट loan के लिए बात कीजिये.
  • PMEGP Loan के लिए आपको EDP ट्रेंनिंग करना जरुरी है जो की 2 सप्ताह का होता है जिसमे आपको ब्यापार चलाने का बेसिक जानकारी दिया जाता है, यह ट्रेंनिंग प्रोग्राम DIC/KVIC/KVIB/ BANK/MSME-DI/NSIC के द्वारा चलाया जाता है, ये ट्रेंनिंग आप कभी भी ले सकते है लेकिन आपको loan disburse तभी होगा जबकि आप EDP ट्रेंनिंग का सर्टिफिकेट बैंक में सबमिट कर देंगे.
  • PMEGP Loan का हर साल के लिए State-wise/Dist-wise/Bank-wise बजट होता है, मतलब अगर इस साल का बजट में पैसा बचा है तो फिर आपका loan बैंक में इंटरव्यू के बाद और बैंक के नियमो के अनुसार सम्बंधित documents जमा करने के बाद पास कर दिया जायेगा और यदि इस साल का बजट ख़त्म हो गया है तो आपको अगले साल के बजट तक इंतज़ार भी करना पड़ सकता है, लेकिन आप apply करके छोड़ दीजिये और बैंक में जाकर इसके बारे में जानकारी लेते रहे.

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