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GOVERNMENT SCHEMES

Government Sponsored Loan Schemes

Collateral-free business credit, government margin subsidies up to 35%, and low-interest schemes for micro, small & medium enterprises.

COLLATERAL FREE CREDIT

Mudra Loan (PMMY)

Pradhan Mantri MUDRA Yojana provides non-collateral credit up to ₹10 Lakhs to small and micro business enterprises. Divided into 3 categories:

Shishu Category

Loans up to ₹50,000

Kishore Category

₹50,000 to ₹5 Lakhs

Tarun Category

₹5 Lakhs to ₹10 Lakhs

UP TO 35% GOVT SUBSIDY

PMEGP Loan (Prime Minister Employment Generation Programme)

Credit-linked subsidy scheme for setting up new micro-enterprises in manufacturing (up to ₹50 Lakhs) and service sector (up to ₹20 Lakhs). Government margin money subsidy ranges from 15% to 35%.

GREENFIELD ENTERPRISES

Stand Up India Loan Scheme

Bank loans between ₹10 Lakhs and ₹1 Crore to SC, ST, and Women entrepreneurs for setting up new manufacturing or trading units.

Apply Stand Up India
MSME CREDIT GUARANTEE

CGTMSE Guarantee Scheme

Collateral-free credit facility up to ₹2 Crore for MSMEs backed by Government of India Credit Guarantee Fund Trust cover.

Apply CGTMSE Loan

General Eligibility Criteria

  • • Applicant must be an Indian Citizen aged 18+
  • • Proprietorship, Partnership, Private Limited, or Micro Unit
  • • Non-defaulter with clean banking records
  • • Viable business plan or DPR for PMEGP/Mudra

Required Documents

  • • Aadhaar Card & PAN Card of Applicant
  • • Bank Statement (Last 6 to 12 months)
  • • Trade License / Udyam MSME Registration
  • • Detailed Project Report (DPR) / Quotations

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