PMEGP Loan Aadhaar Card 4 Lakh Apply Online Form

One of the most important government programs for encouraging self-employment in India is the Prime Minister’s Employment Generation Programme (PMEGP). Through the provision of low-interest loans, this program helps young people and entrepreneurs to start their own enterprises. But is obtaining a PMEGP loan contingent upon having an Aadhaar Card? In this essay, let’s explore this subject in depth and offer thorough information.

Aadhaar Card PMEGP Loans

Yes, currently, possessing an Aadhaar Card is essential for obtaining a PMEGP loan. As per the scheme’s guidelines, applicants are required to submit their Aadhaar card number within the application form. This requirement stems from several crucial reasons:

  • Identity Verification: An Aadhaar Card serves as a government-issued document that validates an individual’s identity and residential address. This helps mitigate fraudulent applications and impersonation attempts.
  • Financial Assessment: By accessing information linked to an applicant’s Aadhaar-linked bank accounts, banks can effectively evaluate their financial health and determine loan eligibility.
  • Transparency in Loan Disbursement: Through the Aadhaar Payment Interface (API) system linked to Aadhaar cards, loan disbursement directly occurs in bank accounts, ensuring transparency and eliminating discrepancies.

Aadhaar Card Loan

You can seamlessly integrate your Aadhaar card number during the online application process itself. Alternatively, you can submit a photocopy of your Aadhaar card at the bank or Khadi and Village Industries Commission (KVIC) offices, either during application submission or subsequently.

What if You Don’t Have an Aadhaar Card?

If you haven’t yet enrolled for an Aadhaar Card, you can visit any Aadhaar Enrollment Center and complete the registration process. Typically, you’ll receive your Aadhaar Card within 15-20 days after successful enrollment.

Required Documents

Apart from the Aadhaar Card, several other documents are crucial for securing a PMEGP loan:

  • Identity Proof: Documents like PAN Card, Voter ID, etc.
  • Address Proof: Electricity bill, passport, etc.
  • Educational Certificates
  • Business Plan
  • Project Report
  • Caste Certificate (if applicable)


  • Be an Indian citizen above 18 years of age.
  • Possess educational qualifications based on project requirements (minimum VIII standard pass for projects exceeding Rs.10 lakh in the manufacturing sector).
  • Not be currently employed in Government/Semi-Government/PSU

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PMEGP Aadhaar Loan Apply Online

  • Online: Visit the Udyami Portal ( and register. Fill out the online application form, upload relevant documents, and submit it.
  • Offline: Collect the application form from your nearest Khadi and Village Industries Commission (KVIC) office or designated bank branch. Complete the form, attach required documents, and submit it to the concerned authorities.


Aadhaar Card ownership is required in order to apply for a PMEGP loan. It not only authenticates your identification and financial situation but also maintains openness during the loan distribution procedure. Get an Aadhaar card as soon as possible if you don’t already have one. With any luck, this post has given you a thorough understanding of PMEGP loans and the role your Aadhaar card plays in the procedure.


Who is eligible for a PMEGP loan?

Indian citizens above 18 years, with minimum educational qualifications based on project requirements (VIII standard pass for projects exceeding Rs.10 lakh in manufacturing). Individuals employed in Government/Semi-Government/PSU are not eligible.

What is the maximum loan amount available under PMEGP?

Rs. 50 lakh for manufacturing units and Rs. 20 lakh for service units.

What is the interest rate for PMEGP loans?

The interest rate varies based on the lending bank and loan amount but is generally lower than commercial loan rates.

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