PM Rojgar Loan Yojana ke bare me janiye – Loan limit ₹25 lakh tak, subsidy up to 35%, eligibility, documents aur apply process online in Hindi.
🔹 Introduction
Bharat me berozgaari ek badi samasya hai, lekin sarkar lagatar naye initiatives ke through logon ko rojgar aur self-employment ke mauke de rahi hai. Unhi me se ek hai PM Rojgar Loan Yojana, jiska aim hai yuvaon ko apna business start karne ke liye financial help dena.
Is scheme ke through Pradhan Mantri Rojgar Srijan Karyakram (PMEGP) ke tahat chhote udyog, manufacturing units, aur service businesses ke liye subsidized loan provide kiya jata hai.
💰 PM Rojgar Loan Yojana Kya Hai?
PM Rojgar Loan Yojana, yaani Pradhan Mantri Rojgar Srijan Karyakram (PMEGP) ek central government scheme hai jise Ministry of Micro, Small & Medium Enterprises (MSME) chala rahi hai.
Iska main objective hai — naye entrepreneurs ko apna business shuru karne ke liye loan aur subsidy provide karna.
👉 Under this scheme, sarkar ₹10 lakh tak ke service business aur ₹25 lakh tak ke manufacturing business ke liye loan sanction karti hai.
📊 PM Rojgar Loan Yojana ke Main Objectives
-
🧑💼 Self-Employment ko badhava dena
-
💵 Unemployed youth ko business start karne ke liye financial support dena
-
🏭 Micro aur small industries ko develop karna
-
🌆 Rural aur urban dono areas me employment create karna
✅ PM Rojgar Loan Yojana ke Fayde
-
💸 High Loan Limit: ₹10 lakh (service) aur ₹25 lakh (manufacturing) tak ka loan milta hai.
-
🧾 Subsidy Benefit: Government up to 35% subsidy deti hai.
-
🪙 Low Interest Rate: Bank loan par 6%–10% tak interest rate hota hai.
-
📈 Self-Reliant India Mission Support: Apna business start karne ka golden chance.
-
🧑🌾 Rural Youth Focus: Rural areas ke youth ko priority milti hai.
📋 Eligibility Criteria for PM Rojgar Loan Yojana
-
Applicant Indian citizen hona chahiye.
-
Age limit: 18 se 55 saal tak.
-
Applicant unemployed ya self-employed youth hona chahiye.
-
Minimum qualification: 8th pass (for manufacturing units).
-
Business idea ya project report honi chahiye.
-
Applicant kisi aur government subsidy scheme ka beneficiary na ho.
🧾 Required Documents for PM Rojgar Loan Yojana
-
Aadhaar Card
-
PAN Card
-
Domicile Certificate
-
Educational Certificate (8th Pass Proof)
-
Business Project Report
-
Bank Account Passbook
-
Passport Size Photo
-
Caste Certificate (if applicable)
💻 PM Rojgar Loan Yojana Online Apply Kaise Kare?
Aap PM Rojgar Loan Yojana ke liye online apply kar sakte hain in simple steps me 👇
-
Visit Official Website: https://www.kviconline.gov.in/pmegp
-
“PMEGP Online Application Form for Individual” par click karein.
-
Form me apna personal aur business detail fill karein.
-
Required documents upload karein.
-
Submit karne ke baad aapka application District Level Task Force Committee (DLTFC) ke paas verification ke liye jata hai.
-
Approval ke baad aapko bank se loan sanction milta hai.
🏦 PM Rojgar Loan Yojana Loan & Subsidy Details
| Category | Urban Area Subsidy | Rural Area Subsidy |
|---|---|---|
| General Category | 15% | 25% |
| SC/ST/OBC/Women/Minority | 25% | 35% |
👉 Example:
Agar aap ₹10 lakh ka project start kar rahe hain aur rural area se hain (SC/ST category), to aapko ₹3.5 lakh tak ki subsidy mil sakti hai.
📉 PM Rojgar Loan Yojana Interest Rate
Interest rate depend karta hai bank ke upar, lekin average 6% se 10% tak hota hai.
Subsidy ke baad effective cost of borrowing aur bhi kam ho jati hai.
📊 PM Rojgar Loan Yojana ke under milne wale Business Ideas
-
Tailoring & Boutique
-
Agarbatti Making
-
Mobile Repair Shop
-
Bakery Unit
-
Food Processing Unit
-
Electric Motor Rewinding
-
Beauty Parlour or Salon
❓ Frequently Asked Questions (FAQs)
Q1. PM Rojgar Loan Yojana kya hai?
👉 Ye ek government scheme hai jahan youth ko apna business start karne ke liye loan aur subsidy milti hai.
Q2. PM Rojgar Loan Yojana me kitna loan milta hai?
👉 Manufacturing business ke liye ₹25 lakh tak aur service business ke liye ₹10 lakh tak loan milta hai.
Q3. Kya PM Rojgar Loan bina guarantee ke milta hai?
👉 ₹10 lakh tak ka loan kuch cases me collateral-free mil sakta hai, lekin ye bank policy par depend karta hai.
Q4. Online apply karne ke liye website kya hai?
👉 Official website: https://www.kviconline.gov.in/pmegp
Q5. PM Rojgar Loan par subsidy kitni milti hai?
👉 Rural area me 25%–35% aur urban area me 15%–25% tak ki subsidy milti hai.
🏁 Conclusion
PM Rojgar Loan Yojana ek golden opportunity hai un youth ke liye jo apna khud ka business shuru karna chahte hain par unke paas capital nahi hai. Sarkar is yojana ke through loan + subsidy support dekar logon ko self-dependent aur financially strong bana rahi hai.
Agar aap bhi apne business ke sapne ko sach banana chahte hain, to aaj hi PM Rojgar Loan Yojana ke liye apply karein aur apne sapno ka business start karein. 💼🇮🇳
PM Kisan Loan Yojana 2025 – Online Apply, Eligibility, Documents & Interest Rate
MSME Loans Online 2025 – Apply for MSME Loan Online | Documents & Interest Rate
MSME Loan Kya Hai 2025 – Full Guide, Documents, Scheme & Benefits in Hindi
1 thought on “PM Rojgar Loan Yojana 2025 – Online Apply, Eligibility, Documents & Subsidy Details”