Government schemes
Scheme funding without the guesswork
Every scheme below is one we actively file under. Each page sets out what it really is, who qualifies, what it costs and where applications usually fail.
- Schemes listed
- 9
- Coverage
- Central schemes
- Last reviewed
- Aug 2026
9 schemes
CGTMSE
Guarantee cover that lets a bank lend to a micro or small enterprise without collateral or third-party guarantee. The ceiling was raised from ₹5 crore to ₹10 crore following the FY 2025-26 budget announcement.
- Guarantee ceiling
- ₹10 Cr
- Cover
- 75%–85%
- Collateral
- Not required
PMEGP
A credit-linked subsidy programme for new micro enterprises. Margin money subsidy of 15% to 35% of project cost, released through the financing bank and locked in for three years.
- Project cost
- Up to ₹50 L
- Subsidy
- 15%–35%
- Own contribution
- 5%–10%
PM MUDRA Yojana
Collateral-free credit for micro units in manufacturing, trading, services and allied agriculture, in four graded categories from ₹50,000 up to ₹20 lakh.
- Ticket size
- Up to ₹20 L
- Categories
- Four
- Collateral
- Not required
CGSS for startups
Guarantee cover for loans to DPIIT-recognised startups, operated by NCGTC. Enables venture debt and working capital without collateral, up to ₹20 crore per borrower.
- Ceiling
- ₹20 Cr per borrower
- Cover
- 85% / 75%
- Fee
- 1%–2% p.a.
Stand-Up India
Bank loans between ₹10 lakh and ₹1 crore for at least one Scheduled Caste or Scheduled Tribe borrower and one woman borrower per bank branch, for greenfield enterprises.
- Ticket size
- ₹10 L – ₹1 Cr
- Nature
- Greenfield only
- Repayment
- Up to 7 years
Agriculture Infrastructure Fund
Medium and long-term debt financing for post-harvest management infrastructure and community farming assets, with a 3% interest subvention and credit guarantee support.
- Subvention
- 3% p.a.
- Subvention cap
- ₹2 Cr per project
- Period
- Up to 7 years
PM FME Scheme
Credit-linked capital subsidy of 35% of eligible project cost, capped at ₹10 lakh per unit, for individual micro food processing enterprises — plus support for groups and branding.
- Subsidy
- 35% of project cost
- Cap
- ₹10 L per unit
- Contribution
- Min 10%
Startup India Seed Fund
Seed funding to early-stage startups through selected incubators — grant for proof of concept and prototype, and convertible debentures or debt for market entry and commercialisation.
- Grant
- Up to ₹20 L
- Investment
- Up to ₹50 L
- Route
- Via incubators
AHIDF
Interest subvention and credit guarantee support for investment in dairy and meat processing, animal feed plants, breed improvement and animal waste management infrastructure.
- Subvention
- 3% p.a.
- Repayment
- Up to 10 years
- Moratorium
- Up to 2 years
Scheme parameters — ceilings, cover percentages, fees and eligibility conditions — are revised by circular and notification. The figures on these pages are indicative and reviewed periodically. Before acting on any of them, confirm the current position with us or against the scheme’s official guidelines.
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