It is executed by the Khadi and Village Industries Commission (KVIC) which functions as the nodal agency for this scheme at the national level.Īt the state level, this scheme is implemented through the State KVIC Directorates, District Industries Centres (DICs), State Khadi and Village Industries Boards (KVIBs), and banks. This scheme focuses on generating self-employment opportunities to the unemployed youth and traditional artisans through micro-enterprise establishments in the non-farm sector. The Prime Minister’s Employment Generation Programme (PMEGP) is a merger of two schemes of Prime Minister’s Rojgar Yojna (PMRY) and Rural Employment Generation Programme (REGP). Prime Minister’s Employment Generation Programme (PMEGP) ‘Tarun’ provides loans above Rs.5 lakhs up to Rs.
‘Kishor’ provides loans above Rs.50,000 up to Rs.5 lakhs. Nature of Assistance – ‘Shishu’ offers loans up to Rs.50,000. Under the scheme of PMMY, there are three different schemes namely ‘Shishu’, ‘Kishore’ and ‘Tarun’ which signify the stage of development or growth and the funding need of the beneficiary micro-units or entrepreneurs and it also provides a reference point for the next phase of graduation or growth. The borrowers can approach any of these lending institutions or apply for loans online through the UdyamiMitra portal. Under this scheme, the loans are provided by Commercial Banks, Small Finance Banks, MFIs and NBFCs. MUDRA provides support by refinancing to banks, microfinance institutions (MFIs) and NBFC for lending loans to micro units having a loan requirement of up to 10 lakhs. MUDRA is a non-banking financial company (NBFC) which supports the development of MSMEs. These loans are classified as MUDRA (Micro Units Development and Refinance Agency Limited) loans under PMMY. This scheme provides loans up to 10 lakh to non-corporate and non-farm small or micro-enterprises. The Hon’ble Prime Minister launched the Pradhan Mantri Mudra Yojana (PMMY) scheme on 8th April 2015.
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