BadLaav Financial Services
"Minimum Efforts, Maximum Trust"
At BadLaav Financial Services, we understand that managing finances can be overwhelming. That's why we offer a range of financial solutions tailored to your needs, with minimum efforts and maximum trust.
Pradhan Mantri Mudra Loan Scheme
PM Mudra Loan – Empowering Small Businesses
The Pradhan Mantri Mudra Yojana (PMMY) is a government initiative that provides collateral-free loans to micro and small enterprises across India. A Mudra Loan helps entrepreneurs, shopkeepers, artisans, and small businesses access affordable credit to grow and succeed.
· Collateral-Free Loans– No need to pledge property or assets.
· Affordable Interest Rates– Starting from 8% onwards, depending on lender.
· Flexible Loan Amounts– Ranging from ₹50,000 up to ₹20 lakh.
· Inclusive Access– Special focus on women, youth, and entrepreneurs in rural & semi-urban areas.
· Government-Backed Security– Loans supported by the Credit Guarantee Fund for Micro Units (CGFMU).
Mudra Loans are divided into three categories based on business stage and funding needs:
· Shishu (Up to ₹50,000)– For startups and very small businesses.
· Kishor (₹50,001 – ₹5 lakh)– For growing enterprises needing working capital or expansion.
· Tarun (₹5 lakh – ₹10 lakh)– For established businesses looking to scale operations.
· Tarun Plus (₹10 lakh – ₹20 lakh) – For entrepreneurs who have successfully repaid previous loan under Tarun category.
· Age: 18+
· Applicant: Individuals, proprietors, partnerships, or small enterprises.
· Business Type: Non-corporate, non-farm small/micro enterprises. (manufacturing, trading, services)
· Documents: Identity proof, address proof, business proof, and basic financial records.
· Collateral: Not required.
· Education: No Qualification required.
· Credit Score: 700+ or -1 or Higher scores improve approval chances.
A PM Mudra Loan is more than just financing—it’s a government-backed opportunity to grow your small business, create jobs, and contribute to India’s economy. Apply today and take your enterprise to the next level.
Pradhan Mantri Employment Generation Program Loan Scheme
PMEGP Loan – Turning Ideas into Enterprises
The Prime Minister’s Employment Generation Program (PMEGP) is a flagship credit-linked subsidy scheme by the Government of India. It provides financial assistance to individuals and groups to set up new micro-enterprises, creating self-employment opportunities and boosting rural and urban development.
· Government-Backed Subsidy– Margin money subsidy ranging from 15% to 35% depending on category and location.
· Wide Coverage– Loans available for manufacturing, service, and trading activities.
· Inclusive Access– Special focus on youth, women, SC/ST, OBC, minorities, ex-servicemen, and differently-abled applicants.
· Employment Generation– Encourages self-employment and job creation in rural and urban areas.
· Nation-Building Impact– Supports grassroots entrepreneurship and strengthens India’s MSME sector.
· Maximum Project Cost:
o Manufacturing sector: Up to ₹50 lakh
o Service sector: Up to ₹20 lakh
· Subsidy:
o General category: 15% (urban), 25% (rural)
o Special categories: 25% (urban), 35% (rural)
· Contribution:
o General category: Minimum 10% of project cost
o Special categories: Minimum 5% of project cost
· Age: Minimum 18 years
· Applicant: Individuals, self-help groups, institutions, and cooperative societies
· Education: Minimum 8th standard pass for projects above ₹10 lakh (manufacturing) and ₹5 lakh (services)
· Business Type: New & Existing projects.
· Documents: Identity proof, address proof, project report, and basic financial records
A PMEGP Loan is more than just financial support—it’s a government-backed opportunity to start your own business, generate employment, and contribute to India’s growth story. Apply today and turn your entrepreneurial vision into reality.
Uttar Pradesh Mukhya Mantri Yuva Udyami Loan Scheme
The Uttar Pradesh CM Yuva Udyami Loan Scheme (Mukhyamantri Yuva Udyami Vikas Abhiyan) provides interest-free loans up to ₹5 lakh for young entrepreneurs, with additional support for larger loans up to ₹20 lakh at subsidized interest rates. It is designed to empower youth aged 21–40 to start or expand businesses, with priority given to those trained under government programs.
· Phase 1: Loans up to ₹5 lakh, with 100% interest subsidy for 4 years.
· Phase 2: Loans between ₹10 lakh, with 50% interest subsidy for 3 years.
· Collateral-Free: No need to pledge property or assets.
· Inclusive Access: Priority for trained youth under government skill programs.
· Employment Focus: Designed to generate self-employment and small enterprises across UP.
· Age: 21–40 years.
· Education: Minimum 8th grade pass.
· Residency: Must be a permanent resident of Uttar Pradesh.
· Training: Preference for applicants trained under government-run schemes or skilled/experience in particular field.
· Business Type: Manufacturing, services, enterprises are eligible.
· Documents Required– Identity proof, address proof, educational certificate, and business plan.
Uttarakhand Mukhya Mantri Swarojgaar Yojna – MSY 2.0
The Uttarakhand Mukhyamantri Swarojgar Yojana 2.0 (MSY 2.0) provides loans up to ₹25 lakh with government subsidy support to encourage youth, women, artisans, migrants, and unemployed individuals to start new enterprises in the state. It is designed to reduce migration, generate local employment, and strengthen grassroots entrepreneurship.
· Loan Amount: Up to ₹25 lakh for manufacturing & ₹10 lakh for trading and service projects.
· Subsidy Support: Margin money subsidy between 15–35%, depending on category and location.
· Inclusive Access: Priority for youth, women, artisans, migrants, and unemployed individuals.
· Employment Focus: Designed to generate maximum self-employment and reduce migration from rural areas.
· Sector Coverage: Manufacturing, trading, and service enterprises are eligible.
· Age: Minimum 18 years.
· Education: Minimum 8th standard passed for projects above ₹10 lakh (manufacturing) and ₹5 lakh (services).
· Residency: Must be a permanent resident of Uttarakhand.
· Business Type: New & Existing business covered.
· Documents Required: Identity proof, address proof, project report, and basic financial records.
Disclaimer – “BadLaav Services Group provides financial consultancy services only. We are not a lender or financial NBFCs/Institutions. All financial products/services are subject to the lender’s approval and policy.
