{"id":4013,"date":"2025-04-01T18:00:47","date_gmt":"2025-04-01T12:30:47","guid":{"rendered":"https:\/\/kreditbazar.com\/blog\/?p=4013"},"modified":"2025-05-14T17:50:42","modified_gmt":"2025-05-14T12:20:42","slug":"e-mudra-loan-sbi-50000-interest-rate","status":"publish","type":"post","link":"https:\/\/kreditbazar.com\/blog\/e-mudra-loan-sbi-50000-interest-rate\/","title":{"rendered":"E Mudra loan SBI 50000 Interest rate"},"content":{"rendered":"<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_4013\" class=\"pvc_stats total_only  \" data-element-id=\"4013\" style=\"\"><i class=\"pvc-stats-icon small\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/kreditbazar.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" =0 title=\"\"><\/p><div class=\"pvc_clear\"><\/div>\n<p>The SBI e-Mudra Loan under the Pradhan Mantri Mudra Yojana (PMMY) offers micro-enterprises and entrepreneurs <a href=\"https:\/\/kreditbazar.com\/personal-loan\/50000-personal-loan\" data-type=\"link\" data-id=\"https:\/\/kreditbazar.com\/personal-loan\/50000-personal-loan\">collateral-free credit up to \u20b950,000<\/a> at competitive interest rates. Designed for small business owners, this loan supports ventures like street vending, tailoring, repair shops, and home-based enterprises. Here&#8217;s a simplified breakdown of its features, rates, and eligibility.<\/p>\n\n\n<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n  <meta charset=\"UTF-8\" \/>\r\n  <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\" \/>\r\n \r\n  <style>\r\n    body {\r\n      margin: 0;\r\n      padding: 0;\r\n      font-family: \"Segoe UI\", Tahoma, Geneva, Verdana, sans-serif;\r\n      background-color: #f2f7ff;\r\n    }\r\n\r\n    .cta-container {\r\n      background: linear-gradient(to right, #0a8b4b, #0a878bb4);\r\n      color: #ffffff;\r\n      padding: 60px 20px;\r\n      text-align: center;\r\n      border-radius: 16px;\r\n      max-width: 600px;\r\n      margin: 100px auto;\r\n      box-shadow: 0 8px 20px rgba(0, 0, 0, 0.15);\r\n      transition: transform 0.3s ease;\r\n    }\r\n\r\n    .cta-container:hover {\r\n      transform: scale(1.02);\r\n    }\r\n\r\n    .cta-heading {\r\n      font-size: 28px;\r\n      font-weight: bold;\r\n      margin-bottom: 10px;\r\n    }\r\n\r\n    .cta-subheading {\r\n      font-size: 18px;\r\n      margin-bottom: 30px;\r\n    }\r\n\r\n    .cta-button {\r\n      background-color: #ffffff;\r\n      color: #0052cc;\r\n      padding: 14px 32px;\r\n      border: none;\r\n      border-radius: 8px;\r\n      font-size: 16px;\r\n      font-weight: 600;\r\n      cursor: pointer;\r\n      transition: background-color 0.3s ease, transform 0.3s ease;\r\n    }\r\n\r\n    .cta-button:hover {\r\n      background-color: #e6e6e6;\r\n      transform: translateY(-2px);\r\n    }\r\n  <\/style>\r\n<\/head>\r\n<body>\r\n\r\n  <div class=\"cta-container\">\r\n    <div class=\"cta-heading\">Get Pre-Approved Loan Offers up to \u20b95 Lakhs<\/div>\r\n    <div class=\"cta-subheading\">Apply online in minutes and check your eligibility instantly<\/div>\r\n    <button class=\"cta-button\" onclick=\"redirectToApplication()\">Apply Now<\/button>\r\n  <\/div>\r\n\r\n  <script>\r\n    function redirectToApplication() {\r\n      window.location.href = \"https:\/\/kreditbazar.com\/self-apply\";\r\n    }\r\n  <\/script>\r\n\r\n<\/body>\r\n<\/html>\r\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>SBI e-Mudra Loan (Shishu Category) Key Features<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Loan Amount<\/td><td>Up to \u20b950,000<\/td><\/tr><tr><td>Interest Rate<\/td><td>12% per annum (fixed for Shishu category) <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a><\/td><\/tr><tr><td>Tenure<\/td><td>12\u201360 months (1\u20135 years)<\/td><\/tr><tr><td>Processing Fee<\/td><td>Nil<\/td><\/tr><tr><td>Collateral<\/td><td>Not required (covered under Credit Guarantee Fund for Micro Units) <a href=\"https:\/\/www.mudra.org.in\/offerings\" target=\"_blank\" rel=\"noopener\">3<\/a><\/td><\/tr><tr><td>Repayment Moratorium<\/td><td>Up to 6 months (based on business type) <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Interest Rate Details<\/strong> <strong>for E Mudra loan SBI 50000 <\/strong><\/h2>\n\n\n\n<p>The SBI e-Mudra loan for \u20b950,000 falls under the Shishu category of PMMY. Key rate insights:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Fixed Rate: 12% p.a., as per CreditMantri <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a>.<\/li>\n\n\n\n<li>No Hidden Charges: No processing fees or prepayment penalties <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a> <a href=\"https:\/\/sbi.co.in\/web\/agri-rural\/pradhan-mantri-mudra-yojna\" target=\"_blank\" rel=\"noopener\">6<\/a>.<\/li>\n\n\n\n<li>Comparison:\n<ul class=\"wp-block-list\">\n<li>Kishore (\u20b950,001\u2013\u20b95 lakh): Rate varies (linked to MCLR + margin).<\/li>\n\n\n\n<li>Tarun (\u20b95\u201310 lakh): 0.50% processing fee + MCLR-based rate <a href=\"https:\/\/www.paisabazaar.com\/sbi-bank\/mudra-loan\/\" target=\"_blank\" rel=\"noopener\">1<\/a> <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a>.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Example EMI:<\/strong><\/h3>\n\n\n\n<p>For \u20b950,000 at 12% over 5 years:<\/p>\n\n\n\n<p>EMI=50,000\u00d70.01\u00d7(1+0.01)60(1+0.01)60\u22121=\u20b91,112\/month<\/p>\n\n\n\n<p><em>Total Interest<\/em>: \u20b916,720 over 5 years.<\/p>\n\n\n\n<p><strong>People also read: <a href=\"https:\/\/kreditbazar.com\/blog\/sbi-e-mudra-loan-50000\/\">SBI E-Mudra Loan 50000: Steps to apply<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eligibility Criteria for E Mudra loan SBI 50000 <\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Applicant Profile<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Indian citizens aged 18\u201360 years.<\/li>\n\n\n\n<li>Existing SBI customers with a savings\/current account active for 6+ months <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a>.<\/li>\n\n\n\n<li>Engaged in non-farm, non-corporate micro-enterprises (e.g., vendors, artisans, shops) <a href=\"https:\/\/www.mudra.org.in\/offerings\" target=\"_blank\" rel=\"noopener\">3<\/a>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Business Requirements<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Startups: Submit a viable business plan.<\/li>\n\n\n\n<li>Existing businesses: Provide profit proofs (if applying for expansion) <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Documentation<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ID proof (Aadhaar, PAN).<\/li>\n\n\n\n<li>Address proof (utility bill, passport).<\/li>\n\n\n\n<li>Business proof (license, Udyam Registration).<\/li>\n\n\n\n<li>6-month bank statement <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a> <a href=\"https:\/\/sbi.co.in\/web\/agri-rural\/pradhan-mantri-mudra-yojna\" target=\"_blank\" rel=\"noopener\">6<\/a>.<\/li>\n<\/ul>\n\n\n<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n  <meta charset=\"UTF-8\" \/>\r\n  <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\" \/>\r\n \r\n  <style>\r\n    body {\r\n      margin: 0;\r\n      padding: 0;\r\n      font-family: \"Segoe UI\", Tahoma, Geneva, Verdana, sans-serif;\r\n      background-color: #f2f7ff;\r\n    }\r\n\r\n    .cta-container {\r\n      background: linear-gradient(to right, #0a8b4b, #0a878bb4);\r\n      color: #ffffff;\r\n      padding: 60px 20px;\r\n      text-align: center;\r\n      border-radius: 16px;\r\n      max-width: 600px;\r\n      margin: 100px auto;\r\n      box-shadow: 0 8px 20px rgba(0, 0, 0, 0.15);\r\n      transition: transform 0.3s ease;\r\n    }\r\n\r\n    .cta-container:hover {\r\n      transform: scale(1.02);\r\n    }\r\n\r\n    .cta-heading {\r\n      font-size: 28px;\r\n      font-weight: bold;\r\n      margin-bottom: 10px;\r\n    }\r\n\r\n    .cta-subheading {\r\n      font-size: 18px;\r\n      margin-bottom: 30px;\r\n    }\r\n\r\n    .cta-button {\r\n      background-color: #ffffff;\r\n      color: #0052cc;\r\n      padding: 14px 32px;\r\n      border: none;\r\n      border-radius: 8px;\r\n      font-size: 16px;\r\n      font-weight: 600;\r\n      cursor: pointer;\r\n      transition: background-color 0.3s ease, transform 0.3s ease;\r\n    }\r\n\r\n    .cta-button:hover {\r\n      background-color: #e6e6e6;\r\n      transform: translateY(-2px);\r\n    }\r\n  <\/style>\r\n<\/head>\r\n<body>\r\n\r\n  <div class=\"cta-container\">\r\n    <div class=\"cta-heading\">Get Pre-Approved Loan Offers up to \u20b95 Lakhs<\/div>\r\n    <div class=\"cta-subheading\">Apply online in minutes and check your eligibility instantly<\/div>\r\n    <button class=\"cta-button\" onclick=\"redirectToApplication()\">Apply Now<\/button>\r\n  <\/div>\r\n\r\n  <script>\r\n    function redirectToApplication() {\r\n      window.location.href = \"https:\/\/kreditbazar.com\/self-apply\";\r\n    }\r\n  <\/script>\r\n\r\n<\/body>\r\n<\/html>\r\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Application Process<\/strong> <strong>of E Mudra loan SBI 50000<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 1: Online Application (Existing SBI Customers)<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit SBI\u2019s YONO portal or Net Banking.<\/li>\n\n\n\n<li>Navigate to \u201ce-Mudra Loan\u201d under MSME loans.<\/li>\n\n\n\n<li>Enter details (loan amount, purpose) and submit <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a> <a href=\"https:\/\/sbi.co.in\/web\/agri-rural\/pradhan-mantri-mudra-yojna\" target=\"_blank\" rel=\"noopener\">6<\/a>.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 2: Offline Application<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the nearest SBI branch.<\/li>\n\n\n\n<li>Submit the PMMY application form with documents.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 3: Disbursement<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Timeframe: 2\u20137 working days.<\/li>\n\n\n\n<li>Disbursal: Funds are credited to the applicant\u2019s SBI account. A Mudra RuPay Card is issued for working capital access <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Benefits of E Mudra loan SBI 50000 <\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Collateral-Free: No asset pledge required <a href=\"https:\/\/www.mudra.org.in\/offerings\" target=\"_blank\" rel=\"noopener\">3<\/a>.<\/li>\n\n\n\n<li>Flexible Repayment: Choose tenure up to 5 years.<\/li>\n\n\n\n<li>Mudra RuPay Card: Withdraw cash or make business purchases <a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">2<\/a>.<\/li>\n\n\n\n<li>Government Backing: Guaranteed by NCGTC, reducing lender risk <a href=\"https:\/\/www.mudra.org.in\/offerings\" target=\"_blank\" rel=\"noopener\">3<\/a>.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comparison with Other Banks<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Loan Amount<\/strong><\/td><td><strong>Interest Rate<\/strong><\/td><td><strong>Processing Fee<\/strong><\/td><\/tr><tr><td>SBI<\/td><td>\u20b950,000<\/td><td>12% p.a.<\/td><td>Nil<\/td><\/tr><tr><td>Union Bank<\/td><td>\u20b950,000<\/td><td>12.5% p.a.<\/td><td>0.50%<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>\u20b950,000<\/td><td>12.75% p.a.<\/td><td>1%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>People also read: <a href=\"https:\/\/kreditbazar.com\/blog\/7-day-loan-apps-list-in-india\/\">https:\/\/kreditbazar.com\/blog\/7-day-loan-apps-list-in-india\/<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Case Study: Tailoring Business Expansion<\/strong><\/h2>\n\n\n\n<p>Ms. Priya (28), a tailor in Jaipur:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan: \u20b950,000 at 12% p.a.<\/li>\n\n\n\n<li>Tenure: 3 years (36 months).<\/li>\n\n\n\n<li>EMI: \u20b91,661\/month.<\/li>\n\n\n\n<li>Use: Purchased a new sewing machine.<\/li>\n\n\n\n<li>Outcome: Increased monthly income by 40%.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The SBI e-Mudra Loan (\u20b950,000) provides an affordable financing solution for micro-entrepreneurs, with a fixed 12% interest rate and no collateral. Existing SBI customers can apply online via YONO for instant disbursal.<\/p>\n\n\n\n<p>Sources:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.paisabazaar.com\/sbi-bank\/mudra-loan\/\" target=\"_blank\" rel=\"noopener\">Paisabazaar: SBI E Mudra Loan<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.creditmantri.com\/sbi-bank-mudra-loan\/\" target=\"_blank\" rel=\"noopener\">CreditMantri: SBI Mudra Loan<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mudra.org.in\/offerings\" target=\"_blank\" rel=\"noopener\">MUDRA Offerings<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/sbi.co.in\/web\/agri-rural\/pradhan-mantri-mudra-yojna\" target=\"_blank\" rel=\"noopener\">SBI PMMY-Allied Agri<\/a><\/li>\n<\/ol>\n\n\n\n<p><em>Note: Terms are subject to change. Confirm rates via SBI\u2019s YONO portal or branch.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The SBI e-Mudra Loan under the Pradhan Mantri Mudra Yojana (PMMY) offers micro-enterprises and entrepreneurs collateral-free credit up to \u20b950,000 at competitive interest rates. Designed for small business owners, this loan supports ventures like street vending, tailoring, repair shops, and home-based enterprises. Here&#8217;s a simplified breakdown of its features, rates, and eligibility. SBI e-Mudra Loan<\/p>\n","protected":false},"author":1,"featured_media":4045,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1364,82,1363],"tags":[1445,1400,1442,1398,1443,1444,1399],"class_list":["post-4013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-mudra-loan","category-personal-loan","category-sbi-loan","tag-application-process-of-e-mudra-loan-sbi-50000","tag-benefits-of-sbi-e-mudra-loan","tag-e-mudra-loan-sbi-50000","tag-e-mudra-loan-sbi-50000-interest-rate","tag-eligibility-criteria-for-e-mudra-loan-sbi-50000","tag-interest-rate-details-for-e-mudra-loan-sbi-50000","tag-sbi-e-mudra-loan-shishu-category-key-features"],"a3_pvc":{"activated":true,"total_views":747,"today_views":0},"_links":{"self":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts\/4013","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/comments?post=4013"}],"version-history":[{"count":3,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts\/4013\/revisions"}],"predecessor-version":[{"id":4193,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts\/4013\/revisions\/4193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/media\/4045"}],"wp:attachment":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/media?parent=4013"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/categories?post=4013"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/tags?post=4013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}