| 词条 | Micro Units Development and Refinance Agency Bank |
| 释义 |
| name = Micro Units Development and Refinance Agency (MUDRA) Bank | logo = | caption = | type = Subsidiary | traded_as = | location = mumbai | key_people = | products = Microfinance and refinance | area_served = India | industry = Business finance | founded = {{start date and age|2015|4|8|df=y}} | assets = | num_employees = | homepage = }}Micro Units Development and Refinance Agency Bank (or MUDRA Bank[1]) is a public sector financial institution in India. It provides loans at low rates to micro-finance institutions and non-banking financial institutions which then provide credit to MSMEs. It was launched by Prime Minister Narendra Modi on 8 April 2015.[2] OverviewThe formation of the agency was initially announced in the 2015 Union budget of India in February 2015.[3][3] It was formally launched on 8 April.[2] The MUDRA banks were set up under the Pradhan Mantri MUDRA Yojana scheme. It will provide its services to small entrepreneurs outside the service area of regular banks, by using last mile agents. About 5.77 crore (57.6 million) small business have been identified as target clients using the NSSO survey of 2013. Only 4% of these businesses get finance from regular banks. The bank will also ensure that its clients do not fall into indebtedness and will lend responsibly.[4][5] The bank will have an initial capital of {{INRConvert|200|b}} and a credit guarantee fund of {{INRConvert|30|b}}.[5] The bank will initially function as a non-banking financial company and a subsidiary of the Small Industries Development Bank of India (SIDBI). Later, it will be made into a separate company.[2] However, it will regulate Microfinance institutions. The bank will classify its clients into three categories and the maximum allowed loan sums will be based on the category:[5]
Government has decided to provide an additional fund of {{INRConvert|1|t}} to the market and will be allocated as
Those eligible to borrow from MUDRA bank are
See also
References1. ^{{Cite news|url=http://infnd.com/pradhan-mantri-mudra-yojana-bank-loan-in-hindi/|title=Pradhan Mantri Mudra Yojana (Mudra Loan)|last=|first=|date=|work=Infnd|language=en-US}} 2. ^1 2 {{cite news|title=MUDRA to help 5.7 crore very small businesses access cheaper finance |url=http://www.thehindubusinessline.com/industry-and-economy/banking/pm-unveils-mudra-bank-to-facilitate-credit-to-very-small-businesses/article7080570.ece |archive-url=https://archive.is/20150409130155/http://www.thehindubusinessline.com/industry-and-economy/banking/pm-unveils-mudra-bank-to-facilitate-credit-to-very-small-businesses/article7080570.ece |dead-url=yes |archive-date=9 April 2015 |accessdate=9 April 2015 |work=The Hindu Business Line |date=8 April 2015 }} 3. ^{{cite news|title=MUDRA Bank holds promise for MSME sector|url=http://www.thehindu.com/news/cities/Visakhapatnam/mudra-bank-holds-promise-for-msme-sector/article6971325.ece |work=The Hindu|date=8 March 2015}} 4. ^1 {{cite news|title=Micro Units Development and Refinance Agency (Mudra) Bank|url=http://pib.nic.in/newsite/PrintRelease.aspx?relid=116209 |work=Press Information Bureau|date=1 March 2015}} 5. ^1 2 {{cite news|title=11 things you must know about Mudra Bank|url=http://www.dnaindia.com/money/report-11-things-you-must-know-about-mudra-bank-2075665 |work=DNA India|date=8 April 2015}} External links
4 : Financial services companies of India|Small-scale industry in India|Modi administration initiatives|2015 establishments in India |
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