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August 2, 2021
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જયારે પણ લોન લેવાની વાત હોય છે અથવા સરકાર કોઈ સ્કીમની કોઈ સ્કીમથી પૈસા લેવાની વાત હોય તો દિમાગ આવે છે કે ખુબ વધુ દસ્તાવેજની આવશ્યકતા હશે. પરંતુ કેન્દ્ર સરકારે એક ખાસ યોજના શરુ કરી છે, જેના દ્વારા લોન લેવા માટે વધુ દસ્તાવેજોની જરુર પડે છે. તમે આ સ્કીમમાં વધુ ડોક્યુમેન્ટ્સ વગર લોન લઇ શકે છે. આ સ્કીમ એ વેપારીઓ માટે શરુ કરવામાં આવી હતી, જે ઓછી પુંજી લગાવી કારોબાર કરે છે અને ઠેલો લગાવે છે.

કોરોના મહામારીના સંક્રમણને રોકવા માટે લગાવવામાં આવેલા દેશવ્યાપી લોકડાઉનના કારણે લોકોના વ્યવસાયને ખુબ નુકશાન થયું.

ભારત સરકારે એક વર્ષની મુદ્દતની રૂ. 10,000/- સુધીની બાયંધરીમુક્ત કાર્યકારી મૂડીગત લોનની સુવિધા આપવા પીએમ સ્વનિધિ યોજના શરૂ કરી છે. આ યોજના અંતર્ગત આશરે 50 લાખ શેરી વિક્રેતાઓને લોન આપવાનો ઉદ્દેશ છે, જેથી તેઓ તેમનો વ્યવસાય ફરી શરૂ કરી શકે. તેમને લોનની ચુકવણી માટે પ્રોત્સાહન આપવા વ્યાજની સહાય (વર્ષદીઠ 7 ટકા) અને ડિજિટલ વ્યવહારો હાથ ધરવા માટે કેશ બેક (દર વર્ષે રૂ. 1,200/- સુધી) સ્વરૂપે પ્રોત્સાહન આપવામાં આવશે. 24 ટકા વાર્ષિક વ્યાજ પર 10000 રૂપિયાના લોન માટે વ્યાજ સબસીડી પ્રભાવી રૂપે કુલ વ્યાજના 30 ટકા જેટલી થાય છે.

એટલે શેરી વિક્રેતાઓને વ્યાજની ચુકવણી નહીં કરવી પડે. એટલું જ નહીં જો તેઓ સમયસર લોન ચુકવશે તથા લોન મેળવવા અને ચુકવણી માટે ડિજિટલ વ્યવહારોનો ઉપયોગ કરે તો લોનની રકમ પર સબસિડી મેળવશે. આ યોજના વહેલા કે સમયસર પુનઃચુકવણી પર ફરી લોન મળવાની શક્યતા વધારે છે. ભારતીય લઘુ ઉદ્યોગ વિકાસ બેંક (સિડબી) સાથે લોનની પ્રક્રિયા 02 જુલાઈ, 2020થી આઇટી પ્લેટફોર્મ “પીએમ સ્વનિધિ” દ્વારા શરૂ થઈ છે, જે યોજનાનું સંચાલન કરવા માટેની અમલીકરણ સંસ્થા છે

ત્યાર પછી એ વેપારીઓને સમર્થન આપવા માટે જૂન 2020ના રોજ પ્રધાનમંત્રી સ્વનિધિ યોજના શરુ કરવામાં આવી હતી. એનું લક્ષ્‍ય સસ્તા વ્યાજના દર પર સ્ટ્રીટ ફેરીવાળાને લોન ઉપલબ્ધ કરાવવી અને ફેરી વાળાને આત્મનિર્ભર બનાવવાનો અવસર પ્રદાન કરવું.

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શું છે પીએમ સ્વનિધિ યોજના ?

જણાવી દઈએ કે પીએમ સ્વનિધિ યોજના હેઠળ 10 હજાર રૂપિયા સુધીનું કોલેટરલ ફ્રી લોન આપી શકાય છે. એનાથી સ્ટ્રીટ વેન્ડર્સ અમાઉન્ટને મૂડી તરીકે ઉપયોગ કરી શકાય છે અને આ 10 હજાર રૂપિયા એમના માટે ખુબ ફાયદાકારક હશે. એનાથી ફરી વેન્ડર્સને પોતાનો વ્યવસાય શરુ કરવામાં મદદ મળશે.

યોજનાનો લાભ કોણ લઈ શકે :-

કોઈપણ વ્યક્તિ જે શાકભાજી, ફળો, ખાવા માટે તૈયાર સ્ટ્રીટ ફૂડ, ચા, ડમ્પલિંગ, બ્રેડ, ઇંડા, કાપડ, કારીગર ઉત્પાદનો, પુસ્તકો / સ્ટેશનરી. શેરી વિક્રેતાઓ દ્વારા આપવામાં આવતી સેવાઓમાં બાર્બર શોપ, મોચી, પાન શોપ્સ, લોન્ડ્રી સેવાઓ વગેરેનો સમાવેશ થાય છે.

લોન માટેની શરતો શું છે?

જો કોઈ લાભાર્થી નિયમિતપણે સમયસર લોનની ચૂકવણી કરે છે, તો તેને વાર્ષિક સાત ટકાના દરે વ્યાજ સબસિડી મળે છે. ઉપરાંત, જો કોઈ લાભાર્થી લોનની ચુકવણી માટે ડિજિટલ ટ્રાન્ઝેક્શન કરે છે તો તેને વર્ષમાં 1200 રૂપિયાનું કેશબેક આપવામાં આવે છે. ઉપરાંત, સમયસર ચુકવણી પર લાભાર્થી ફરીથી લોન માટે અરજી કરી શકે છે. આમાંથી 19.6 લાખ અરજીઓ મંજૂર કરવામાં આવી છે. જ્યારે 14.6 લાખ લોકોને લોન આપવામાં આવી છે

પ્રધાનમંત્રી સ્વનિધિ યોજનાની એપ Donwlod કરવા અહી ક્લિક કરો :- Click Here

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દેશની સૌથી મોટી લોન આપવા વાળી બેંક સ્ટેટ બેન્ક ઓફ ઇન્ડિયા પર પીએમ સ્વનિધિ યોજના હેઠળ લોન લેવા માટે 9.9 ટકા વ્યાજ દર લેવામાં આવે છે. તે જ સમયે પંજાબ નેશનલ બેંક (PNB) નો વ્યાજ દર થોડો ઓછો છે એટલે કે 6.9 ટકા અને યુનિયન બેંક ઓફ ઇન્ડિયા 7.3 ટકા વ્યાજ દરે લોન આપે છે. બીજી બાજુ, પીએમ સ્વનિધિ યોજના હેઠળ યુકો બેંક પાસેથી લોન લેવા પર 8.5 ટકા વ્યાજ દર લેવામાં આવે છે. ઉપરાંત, ઇન્ડિયન ઓવરસીઝ બેંક 8.1 ટકાના વ્યાજ દરે લોન આપે છે

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