PassionBaaz – Follow Your Passion

Is BadLaav a government agency or bank?

No. BadLaav Group Private Limited a private consultancy. We are not a government department, bank, or NBFC. We help India’s youth prepare, apply, and follow up for government credit-linked schemes as per official guidelines. Final approval is always by the bank or government authority.

Do you guarantee loan approval?

No one can guarantee approval. Sanction depends on your eligibility, documents, project viability, and bank appraisal. What we guarantee: a 100% compliant application, proper DPR, and strong follow-up to maximize your chances. We only take up cases we believe are fundable.

How much do you charge?

Your first consultation and eligibility check is 100% free. If you qualify, we share a transparent success-based fee. No heavy upfront retainers. We charge for documentation, DPR, application, and liaison work. Our fee is separate from your loan amount — we never take a cut from sanctioned funds.

How is BadLaav different from a CA or local agent?

Most CAs file taxes. Most agents push one scheme. BadLaav specializes only in government credit-linked schemes for youth. We know PMEGP, MUDRA, PMFME, Startup India Seed Fund, and State Yuva Yojanas inside out. We handle discovery to launch, not just paperwork.

Do you work in my state?

Yes. We work pan-India for central schemes like PMEGP, MUDRA, Stand-Up India. We have special expertise in Bihar, Uttar Pradesh, and Uttarakhand state schemes. All meetings are online + on-call, so location is not a barrier.

What are credit-linked schemes?

These are government programs where you get a bank loan + government subsidy or grant. Example: PMEGP gives 15-35% subsidy on your project cost. The bank gives the loan, the government pays part of it back as subsidy if you run the business properly.

Am I eligible for any scheme?

If you are 18+ years old, an Indian citizen, and want to start a business, you likely qualify for something. PMEGP: 18+ years, 8th pass for projects >₹10L. MUDRA: Any micro business. Stand-Up India: SC/ST or women. State schemes: Domicile + age criteria. [Check Eligibility] to know in 2 mins.

I don’t have any money. Can I still apply?

Yes. Most schemes need only 5-10% promoter contribution. Example: For a ₹10L PMEGP project, you need ₹50K-₹1L of your own. Some schemes like UP CM Yuva Yojana are interest-free. We’ll tell you the exact cash needed after mapping your scheme.

I have a job. Can I apply?

Yes, but you must commit to running the business full-time after sanction. Banks don’t fund side-hustles. If you plan to quit and start up, we can help.

What if I don’t have a business idea?

Join PassionBaaz . We help you convert your skill, art, cooking, fitness, or service into a funded business model. Passion is enough to start.

How long does the whole process take?

Timeline depends on scheme and bank. Typical: - Eligibility + DPR: 7-10 days - Bank application + sanction: 30-90 days - Disbursement: 15-30 days after sanction PMEGP and state schemes move faster if documents are perfect. We push daily.

What documents do I need?

Basic: Aadhaar, PAN, photo, address proof, education proof, project site details. Business: Quotation for machinery, rent agreement, project report. We give you a custom checklist after your free call. Don’t worry — we help collect everything.

Will I have to visit banks or government offices?

Minimum visits. We prepare the file and coordinate with banks. You may need to go 1-2 times for signature and interview. For most portals, we submit online. We prep you before any meeting.

What is a DPR and why do I need it?

DPR = Detailed Project Report. It’s your business plan for the bank. It shows cost, revenue, profit, employment, and how you’ll repay. Banks reject files with weak DPRs. We make bank-compliant DPRs that get approved.

Is the subsidy free money? Do I have to return it?

Subsidy is not a loan. You don’t repay it. Example: PMEGP 25% subsidy on ₹10L = ₹2.5L free. But it’s credited only after you run the business properly for 3 years. If you shut down early, you return it.

What is the interest rate on these loans?

As per bank rates. Usually 8-12% per year for PMEGP/MUDRA. Stand-Up India is linked to MCLR. Some state schemes like UP CM Yuva Yojana are interest-free for 4 years. We’ll tell you exact terms for your scheme.

What if I can’t repay the loan?

These are real loans, not free money. You must repay EMIs. That’s why we do viability checks first. We only help with projects that can generate income. We also guide you on cash flow for the first 90 days post-disbursement.

Can I apply to multiple schemes at once?

No. You can avail only one credit-linked subsidy scheme at a time. But we’ll pick the best one for you. After 3 years, you can apply for expansion under other schemes.

Is this legal and safe?

100% legal. These are official Government of India and State Government schemes. We only use official portals: http://kviconline.gov.in, http://jansamarth.in, http://startupindia.gov.in, etc. You sign every document. No shortcuts.

What if my loan gets rejected?

If rejection is due to our documentation error, we re-apply free. If bank rejects due to CIBIL, location, or policy, we help you fix the issue and try other banks or schemes. Our fee structure protects you — major payment is success-based.

How do I know you’re not a scam?

1. We never ask for OTP, net banking password, or blank cheques 2. All fees are via invoice to BadLaav Group Private Limited bank account 3. We work on official govt portals only 4. Check our [About Us] and [Founder’s Note] 5. First call is free — judge us yourself

Still have questions?

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