How to apply for Annasaheb Patil Mahamandal loan

Here’s a clear, step-by-step guide to applying for the Annasaheb Patil Mahamandal (APM) loan in Maharashtra:

📝 1. Eligibility Check
Must be a Maharashtra resident, aged between 18–50 (men) or 18–55 (women).

Annual income must be ≤ ₹8 lakh, and the applicant should not have previously taken this APM benefit
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📄 2. Required Documents
You’ll typically need:

Identity proof: Aadhaar, PAN, passport, voter ID
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Residence proof: electricity bill, ration card, gas bill, or domicile certificate
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Caste certificate (for Maratha applicants)
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Income proof: Income Tax Return (ITR) or Tehsildar-issued income certificate

Educational/vital records: school certificate or birth record

Business documents: registration (e.g., Udyog Aadhaar, Shop Act) and a project report
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Passport-size photos, bank passbook copy, and a self-declaration stating you haven't previously availed the scheme
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🖥️ 3. Online Registration & Application
Visit Mahaswayam’s official portal.

Register using your mobile-linked Aadhaar OTP.

Fill out the individual loan interest-reimbursement scheme (IR‑I) application
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Upload all required documents in the specified format (PDF/JPG) .

Submit the application and retain your application number for future tracking .

⏳ 4. Processing & LOI (Letter of Intent)
Within ~7 working days (excluding holidays), the Mandal reviews your application.

If approved, you’ll receive your LOI and eligibility certificate, plus instructions for an online affidavit/declaration
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🏦 5. Visit Bank & Loan Sanction
Take your LOI, project report, and other documents to a participating bank in your area
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The bank processes the loan (up to ₹10 lakh collateral-free, or ₹15 lakh with interest subsidy; maximum ₹50 lakh under group schemes)
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Interest rate ~12%, repayable over 5 years, plus mandated processing/documentation fees .

🎉 6. Disbursement & Interest Reimbursement
Once the loan is disbursed, upload your bank statements and EMI schedule to the Mahaswayam website to claim interest reimbursement
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You can claim up to 3 months’ worth of interest subsidy at a time .

📞 7. Support & Contacts
Toll-free helpline: 1800‑120‑8040

For Mumbai office: 022‑22657662 / 022‑22658017
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✅ In Summary
Step Action
1 Check eligibility (age, income, no prior APM loan)
2 Gather documents
3 Register & apply on Mahaswayam portal
4 Get LOI in ~7 days
5 Approach bank with LOI + docs
6 Upon sanction, disbursal & upload bank proof for interest subsidy
7 Track via application dashboard or contact support