केंद्र और राज्य सरकार की वित्तीय सहायता योजनाएं, सब्सिडी और कम ब्याज वाले लोन की प्रामाणिक जानकारी।
बिहार स्टार्टअप नीति 2022 के तहत योग्य स्टार्टअप्स को 10 लाख रुपये तक का ब्याज-मुक्त सीड ग्रांट, पोस्ट सीड फंड, मैचिंग लोन, एक्सेलेरेशन प्रोग्राम सहायता और आईपीआर फाइलिंग रीइम्बर्समेंट मिलता है। महिला, एससी/एसटी व दिव्यांग संस्थापकों को अतिरिक्त 5-15% प्रोत्साहन भी मिलता है।
PMEGP गैर-कृषि क्षेत्र में नई micro-enterprises स्थापित करने के लिए credit-linked subsidy scheme है। पात्र applicants को 15% से 35% तक margin money subsidy मिल सकती है। Manufacturing projects के लिए maximum project cost ₹50 लाख और Service/Business projects के लिए ₹20 लाख है।
प्रधानमंत्री मुद्रा योजना गैर-कृषि आय-सृजन गतिविधियों वाले पात्र सूक्ष्म उद्यमों को बिना collateral institutional credit उपलब्ध कराती है। Shishu, Kishore, Tarun और Tarun Plus categories में loan मिलता है। पात्र borrowers के लिए Tarun Plus के तहत अधिकतम loan limit ₹20 लाख तक है, बशर्ते उन्होंने पहले Tarun category का loan सफलतापूर्वक repay किया हो।
मार्केट डेवलपमेंट असिस्टेंस (MDA) पात्र GOBARdhan और CBG plants से बने Fermented Organic Manure, Liquid Fermented Organic Manure और Phosphate Rich Organic Manure की बिक्री को support करता है। पात्र बिक्री पर Point of Sale system के माध्यम से ₹1,500 प्रति metric tonne सहायता मिलती है।
पीएम विश्वकर्मा 18 पारंपरिक trades के कारीगरों और craftspeople को पहचान, skill training, toolkit assistance, ₹3 लाख तक collateral-free enterprise development loan, 5% concessional interest, digital transaction incentive और marketing support देता है।
कोयर उद्यमी योजना कोयर यूनिट शुरू करने के लिए केंद्र सरकार की क्रेडिट लिंक्ड सब्सिडी योजना है। पात्र प्रोजेक्ट लागत पर 40% सरकारी सब्सिडी, 55% बैंक क्रेडिट और 5% लाभार्थी योगदान का प्रावधान है। प्रोजेक्ट लागत अधिकतम ₹10 लाख है और इसके अतिरिक्त 25% तक कार्यशील पूंजी शामिल की जा सकती है।
खादी विकास योजना, खादी ग्रामोद्योग विकास योजना के अंतर्गत KVIC द्वारा लागू उप-योजना है, जिसका उद्देश्य खादी उत्पादन, खादी संस्थानों और कारीगरों को मजबूत करना है। इसमें Cotton/Muslin, Wool और Polyvastra पर 35% MMDA, Silk Khadi पर 20% MMDA, ISEC के तहत प्रभावी 4% ब्याज दर, और व्यक्तिगत वर्कशेड के लिए अधिकतम ₹1.20 लाख तक सहायता शामिल है।
Universal 4-step roadmap applicable across Central and State credit-linked financial assistance schemes.
Prepare a Detailed Project Report (DPR) detailing capital costs, machinery quotations with GSTIN, site layout, and 5-year financial projections (cash flow, DSCR & break-even).
Obtain free Udyam MSME registration and submit your online proposal on official nodal portals (such as JanSamarth.in, KVIC PMEGP Portal, or State Single Window Portals).
The Nodal Agency / District Task Force (DTFC / DIC) reviews the application and forwards it to your selected financing bank. The bank conducts techno-economic appraisal and issues a formal Sanction Letter.
Upon borrower promoter equity deposit (5% to 15%), the bank disburses credit and files the subsidy claim. The grant is parked in a 3-year Term Deposit Receipt (TDR) and adjusted against principal upon audit.
Standard, verified documentation required by nodal agencies, District Task Forces, and lending banks.
Compare financial ceilings, capital subsidy rates, and promoter margin requirements across flagship schemes.
| Scheme Name | Nodal Ministry | Project Ceiling | Capital Subsidy Grant | Promoter Margin | Collateral Policy |
|---|---|---|---|---|---|
| PMEGP Prime Minister Employment Generation | Ministry of MSME & KVIC | ₹50 Lakhs (Mfg) ₹20 Lakhs (Services) |
15% to 35% Up to ₹17.5 Lakhs grant |
5% to 10% | Collateral-free (CGTMSE coverage) |
| PM Mudra Yojana (PMMY) Micro Units Development & Refinance | Ministry of Finance & MUDRA Ltd | ₹20 Lakhs Shishu / Kishore / Tarun |
Credit Facility 0% Subsidy (Pure Debt) |
Nil to 15% | 100% Collateral-Free Institutional Loan |
| Stand-Up India For Women & SC/ST Entrepreneurs | Ministry of Finance & SIDBI | ₹10 Lakhs to ₹1 Crore | Credit Guarantee Margin Money Support |
Up to 15% | Credit Guarantee Support (CGFSI) |
| State CMEGP (e.g. Maharashtra) Chief Minister Employment Generation | State Directorate of Industries | ₹50 Lakhs (Mfg) ₹10 Lakhs (Services) |
15% to 35% Up to ₹12.5 Lakhs grant |
5% to 10% | Bank norm & CGTMSE support |
Use our free financial engines to calculate exact capital grants, promoter margin, and monthly EMI cashflows.
Calculate PMEGP & CMEGP capital grants across urban/rural zones and social categories.
Launch Subsidy Estimator →Calculate total setup capital including machinery, civil works, deposits & working capital.
Estimate Startup Cost →Calculate monthly principal and interest repayments with complete amortization tables.
Calculate Loan EMI →Common questions regarding government scheme eligibility, lock-in rules, and bank approvals.
Under credit-linked government subsidy programs (such as PMEGP and state-level schemes), the government provides financial assistance as margin money subsidy ranging from 15% to 35% of the total project cost. The entrepreneur contributes 5% to 15% as promoter equity, and the financing bank provides the remaining amount as term loan and working capital. The subsidy is deposited into an interest-free Term Deposit Receipt (TDR) / Subsidy Reserve Account locked for 3 years, which adjusts against the loan principal upon physical unit verification.
No. Loans under PM Mudra Yojana (up to ₹20 Lakhs) and PMEGP loans up to ₹10 Lakhs (and up to ₹5 Crores under CGTMSE credit guarantee coverage) are 100% collateral-free. Eligible micro and small enterprises do not require third-party collateral or immovable property mortgages.
Special category applicants—including Women, SC/ST, OBC, Minorities, Ex-Servicemen, Differently-Abled (PwD), and units located in rural, hilly, or North-Eastern areas—qualify for higher capital subsidies (typically 25% to 35%) with reduced promoter equity contribution (as low as 5%).
Government subsidies are sanctioned as credit-linked back-ended grants. The subsidy amount is held in a separate 3-year interest-free fixed deposit linked to the borrower loan account. Upon maintaining active and continuous commercial operations for 3 years, a joint physical verification is conducted and the subsidy is credited to permanently reduce the principal loan amount.
Yes. Operating micro and small units that have demonstrated profitable operations and timely repayments under earlier credit schemes are eligible for 2nd stage expansion and upgradation credit support (up to ₹1 Crore for manufacturing and ₹25 Lakhs for service enterprises under PMEGP expansion norms).
National portals such as JanSamarth (jansamarth.in) and KVIC Online (kviconline.gov.in) serve as single-window digital gateways. They connect applicants with partner commercial banks, track application progress in real time, and route proposals directly to District Task Forces and bank branches.
Practical step-by-step guides on government scheme applications, MSME policy updates, and founder stories.
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नागालैंड में PM Vishwakarma के तहत 25,239 artisans registered हैं और 4,590 ने तीनों verification stages पूरी की हैं। Training, toolkits, loans और e-commerce onboarding में भी प्रगति हुई है।
Match verified business blueprints with central capital subsidies and calculate your exact project economics before applying.
