Is article mein
- "Form toh bhar diya tha, phir reject kyun?"
- Galti #1: Documents mein naam aur details match nahi karte
- Galti #2: Scheme ki shartein bina padhe apply kar dena
- Galti #3: Kamzor ya copy-paste project report
- Galti #4: Apna hissa (own contribution) aur CIBIL ko ignore karna
- Galti #5: Form bhar ke bhool jaana
- Apply karne se pehle 10-point checklist
- Reject ho gaya? Ab kya karein
"Form toh bhar diya tha, phir reject kyun?"
Ye sawaal hum aksar sunte hain.
File kahan atakti hai
Kisi ne PMEGP mein apply kiya, 4 mahine wait kiya, aur phir status dikha: "Rejected by bank." Kisi ki state subsidy ki file 8 mahine se "under process" mein padi hai. Aur kisi ko pata hi nahi ki form reject kyun hua.
Sach ye hai ki sarkari schemes mein paisa kam nahi hai, galtiyan zyada hain. Aur zyaadatar galtiyan bahut simple hoti hain, jo thodi si tayyari se bach sakti hain.
Is article mein hum PMEGP ka example zyada lenge, kyunki naya business shuru karne walon mein ye sabse popular scheme hai. Lekin ye galtiyan lagbhag har scheme par lagu hoti hain, chahe woh state subsidy ho, Mudra loan ho ya koi interest subsidy.
Galti #1: Documents mein naam aur details match nahi karte
Ye sabse aam galti hai, aur sabse aasaani se bachne wali bhi. Phir bhi kaafi files isi par atak jaati hain.
Example dekhiye:
- Aadhaar par: Md. Imran Ali
- PAN par: Mohammed Imran Ali
- Bank account mein: Imran Ali
- School certificate par: Mohd. Imran
Insaan ke liye ye ek hi aadmi hai. Sarkari system ke liye ye chaar alag log hain.
Yahi problem address, date of birth aur father's name mein bhi hoti hai.
Kya karein:
- Apply karne se pehle Aadhaar, PAN, bank account aur Udyam mein naam ek jaisa karwa lijiye.
- Jahan correction possible nahi hai, wahan ek affidavit (ki dono naam ek hi vyakti ke hain) taiyar rakhiye.
- Mobile number har jagah Aadhaar se linked wala hi daaliye.
Galti #2: Scheme ki shartein bina padhe apply kar dena
Har scheme ki apni shartein hoti hain. Log aksar sirf "subsidy kitni milegi" padhte hain, aur "kaun eligible hai" chhod dete hain.
PMEGP ki kuch shartein jo log miss karte hain:
- Ye naye unit ke liye hai. Agar aapka business pehle se chal raha hai, toh fresh PMEGP nahi milega. (Purane PMEGP units ke upgradation ke liye alag "second loan" ka provision hai.)
- Project cost ki limit hai: manufacturing mein ₹50 lakh aur service/business mein ₹20 lakh tak.
- Manufacturing mein ₹10 lakh se zyada aur service mein ₹5 lakh se zyada ke project ke liye kam se kam 8th pass hona zaroori hai.
- Kuch activities scheme mein allowed hi nahi hain (negative list). Pehle check kijiye.
Subsidy kitni milti hai (PMEGP):
| Category | Shahar (Urban) | Gaon (Rural) | Apna hissa |
|---|---|---|---|
| General | 15% | 25% | 10% |
| Special (SC/ST/OBC/mahila/minority/divyang/ex-servicemen etc.) | 25% | 35% | 5% |
Example: ₹20 lakh ka PMEGP project (general category, gaon)
₹2L
₹5L
₹13L
Example: Maan lijiye Ravi ji ki 3 saal purani bakery hai. Woh nayi oven line ke liye PMEGP mein apply karte hain, aur form mein likh dete hain "existing unit". Reject hona tay tha. Unke liye sahi raasta ek alag scheme ya CGTMSE wala term loan tha.
Kya karein: Official guidelines khud padhiye ya kisi jaankar se 10 minute baat kar lijiye. Galat scheme mein apply karna sabse mehnga time-waste hai.
Galti #3: Kamzor ya copy-paste project report
Jahan loan bhi milta hai (jaise PMEGP), wahan aakhri faisla bank ka hota hai. Aur bank aapki file ka sabse zyada time project report padhne mein lagata hai.
Reports reject kyun hoti hain:
- Internet se copy ki hui report. "Paper plate making project report PDF" download karke apna naam daal diya. Bank officer roz aisi 10 reports dekhta hai, aur pehchaan leta hai.
- Hawa-hawai numbers. Pehle hi saal 40% profit dikhaya, jabki industry mein 8–10% chalta hai.
- Machinery quotation nahi hai, ya quotation kisi aur ke naam par hai.
- Working capital bhool gaye. Sirf machine ka kharcha dikhaya, raw material aur salary ke liye paisa kahan se aayega, ye nahi bataya.
- Location clear nahi hai. Kiraye ka agreement nahi hai, ya zameen ke kagaz adhoore hain.
Kya karein:
- Real quotations lijiye, GST number wale supplier se.
- Numbers wahi rakhiye jo aap bank officer ke saamne samjha sakein.
- Report mein dikhaiye ki EMI kaise chukayenge (isse DSCR kehte hain, aur bank ise sabse pehle dekhta hai).
Galti #4: Apna hissa (own contribution) aur CIBIL ko ignore karna
Bahut log sochte hain ki subsidy hai toh apna paisa nahi lagega. Galat.
PMEGP mein general category ko project cost ka 10% (special category ko 5%) khud lagana padta hai. ₹20 lakh ke project mein ye ₹2 lakh hai. Bank ye paisa aapke account mein dekhna chahta hai, sirf form mein likha hua nahi.
Doosri badi wajah: CIBIL score.
Purana credit card ka bill, kisi phone ki EMI bounce, kisi dost ke loan mein guarantor bane the aur usne nahi chukaya. Ye sab aapke CIBIL mein dikhta hai. Aur bank officer form khole uske pehle CIBIL kholta hai.
Kya karein:
- Apply karne se 2–3 mahine pehle apna CIBIL report nikaliye (saal mein ek baar free milta hai).
- Purane chhote dues clear karke "closed" status le lijiye.
- Apna hissa bank account mein pehle se rakhiye, aur last moment par cash jama mat kijiye.
Galti #5: Form bhar ke bhool jaana
Online form submit karna kaam ka sirf pehla 20% hai. Baaki 80% follow-up hai.
Jahan files atakti hain:
- Bank ne extra document maanga, SMS ya email aaya, kisi ne dekha hi nahi.
- Interview ya bank visit ki date miss ho gayi.
- PMEGP mein EDP training (Entrepreneurship Development Programme) poori nahi ki. ₹5 lakh se upar ke project mein 10 din aur ₹2–5 lakh mein 5 din ki training hoti hai, aur iske bina subsidy release nahi hoti.
- Subsidy claim ke documents (machine lagne ki photos, bills, physical verification) time par submit nahi kiye.
Kya karein:
- Ek register ya Excel banaiye: application number, bank branch, officer ka naam, har follow-up ki date.
- Portal par hafte mein ek baar status zaroor check kijiye.
- Bank jaate waqt saare original documents ki ek file saath rakhiye.
Apply karne se pehle 10-point checklist
Form bharne se pehle in 10 sawaalon ka jawab "haan" hona chahiye:
- Kya Aadhaar, PAN, bank aur Udyam mein naam ek jaisa hai?
- Kya maine scheme ki official guidelines padhi hain?
- Kya mera project scheme ki activity list mein allowed hai?
- Kya mera unit naya hai (agar scheme naye unit ke liye hai)?
- Kya mere paas real machinery quotations hain?
- Kya project report mein working capital bhi shamil hai?
- Kya mera apna hissa (own contribution) bank mein ready hai?
- Kya maine apna CIBIL score check kiya hai?
- Kya jagah ke kagaz (rent agreement ya ownership) ready hain?
- Kya mere paas follow-up ke liye ek system hai?
Ek bhi "na" hai? Toh pehle use theek kijiye, phir apply kijiye.
Reject ho gaya? Ab kya karein
Ghabraiye mat. Rejection ka matlab "kabhi nahi" nahi hai.
- Wajah likhit mein maangiye. Bank ya department se rejection ka exact reason poochiye.
- Galti theek kijiye. Zyaadatar wajahein (naam mismatch, report, documents) theek ho sakti hain.
- Dusre bank mein try kijiye. Kai schemes mein aap doosra bank chun sakte hain.
- Sahi scheme dhundhiye. Ho sakta hai aapke liye koi aur scheme behtar ho, jaise state subsidy, CGTMSE loan ya interest subvention.
Kaunsi scheme aapke business par lagti hai, ye pehle se jaan lijiye. Hamara free Scheme Finder 2 minute mein bata deta hai. Project report ki zaroorat hai? Report Ready ke saath bank-format project report banwaiye.
Disclaimer: Ye article sirf jaankari ke liye hai. PMEGP aur dusri schemes ki shartein samay-samay par badalti hain; apply karne se pehle official portal (kviconline.gov.in) aur apne bank se latest guidelines check kijiye.
