Government Schemes
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We help you access the best government schemes designed for MSMEs and startups – from collateral-free loans to capital subsidies.
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Prime Minister's Employment Generation Programme
About
Collateral-free loan for setting up new micro-enterprises in manufacturing and service sectors. Up to ₹50 Lakh with 15-35% capital subsidy.
Eligibility
- ✓ Age 18 years and above
- ✓ Class 8 pass for projects above ₹10L
- ✓ New enterprise only
- ✓ No income ceiling
Documents
- ✓ Aadhar & PAN
- ✓ Caste certificate (if applicable)
- ✓ Detailed Project Report (DPR)
- ✓ Bank account details
Credit Guarantee Fund Trust for MSEs
About
Government-backed credit guarantee for micro and small enterprises to access institutional credit without collateral up to ₹5 Crore (75-85% cover).
Eligibility
- ✓ Micro & Small Enterprises
- ✓ Manufacturing or service sector
- ✓ Valid MSME/Udyam Registration
- ✓ Existing or new business
Documents
- ✓ Udyam Certificate
- ✓ CA-certified Balance Sheet
- ✓ IT Returns (3 years)
- ✓ Project Report
Micro Units Development & Refinance Agency
About
Loans under Shishu (₹50K), Kishor (₹5L), and Tarun (₹10L) categories for micro businesses. Low interest, collateral-free.
Eligibility
- ✓ Non-corporate micro/small enterprises
- ✓ Business expansion or new setup
- ✓ No default with any bank
- ✓ Clean CIBIL record
Documents
- ✓ Business plan/Quotation
- ✓ Identity & Address proof
- ✓ Bank statements (6 months)
- ✓ Proof of business activity
Stand-Up India Scheme
About
Bank loans between ₹10 lakh and ₹1 crore to SC/ST and women entrepreneurs for setting up greenfield enterprises.
Eligibility
- ✓ SC/ST entrepreneur or woman entrepreneur
- ✓ First generation entrepreneur
- ✓ Greenfield enterprise only
- ✓ Age 18 and above
Documents
- ✓ SC/ST certificate / Gender proof
- ✓ Detailed Project Report (DPR)
- ✓ Identity & Address proof
- ✓ Land/premises proof
Startup India Seed Fund Scheme
About
Seed funding for startups to validate proof of concept and prototype development. Grants up to ₹20L and investments up to ₹50L.
Eligibility
- ✓ DPIIT recognized startup
- ✓ Incorporated within last 10 years
- ✓ Annual turnover below ₹100 Cr
- ✓ Working on innovation/IP
Documents
- ✓ DPIIT Recognition Certificate
- ✓ Incorporation Certificate
- ✓ Pitch Deck / Business Plan
- ✓ Financial Statements
PM Formalisation of Micro Food Processing Enterprises
About
Support for micro food processing enterprises with credit-linked capital subsidy (35%) up to ₹10 Lakh.
Eligibility
- ✓ Existing micro food processing units
- ✓ Proprietorship, partnership, SHG, FPO
- ✓ Annual turnover below ₹3 Cr
- ✓ Valid FSSAI license
Documents
- ✓ FSSAI License
- ✓ Udyam Registration
- ✓ Project Report with cost estimate
- ✓ Bank KYC & Land documents
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