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MSME Government Schemes
Credit guarantee scheme that supports post-harvest/farm-gate infrastructure in agriculture and related sectors
Loans of up to ₹7.5 crore are available under the AIF scheme
Interest subvention of up to 3% available for a maximum of seven years
A moratorium period of 6 to 24 months on loans taken under the scheme
Finance is available for post-harvest infrastructure, community farming, transportation, technology and more
Collateral-free credit guarantee scheme for Indian startups
Credit guarantee of up to ₹10 crore at a nominal guarantee fee of 2% per annum
Multiple types of long-term and short-term loans are covered, including venture debt, working capital, and debentures
HDFC Bank arranges the credit guarantee for you as you apply for the loan
All DPIIT-recognised startups can apply
Collateral and third-party guarantee-free loans for micro and small enterprises
Guarantee on loans of up to ₹5 crore at a Nominal guarantee fee only
All eligible businesses engaged in manufacturing and services can apply
Get a loan with a credit guarantee through a simple application process
Working Capital Loans and Term Loans are available under the scheme
Loans on new micro businesses that get you 15 to 35% as capital subsidy
Subsidy available for manufacturing sector projects of up to ₹50 lakh and service sector projects of up to ₹20 lakh
Enjoy PMEGP for the new entrepreneurs in CGTMSE guarantee cover
Minimal beneficiary contribution requirement of 5% of the project cost for special category borrowers and 10% for general category borrowers
Flexible repayment tenure of three to seven years
Credit-linked grants, interest subvention and seed capital for micro food processing units
Credit-linked grants are also available for capital investment and common infrastructure development
Relaxed repayment period of up to 7 years, including a moratorium period of minimum 6 months and maximum of 2 years
Individuals, micro food processing units, farmer producer organizations, self-help groups and cooperatives can apply
Working capital and term loan facilities of ₹10 lakh to ₹1 crore
Loans provided to SC/ST and women borrowers for greenfield businesses
Loans provided to finance 85% of the business project cost
Overdraft and cash credit facilities are available on Working Capital Loans
Versatile hand-holding support is available for the borrowers under the scheme
PM Mudra Yojana provides tiered loans (Shishu, Kishor, Tarun) catering to different business needs.
Inclusive credit access for non-farm enterprises in manufacturing, trading, and services with needs below ₹10 lakh.
Entrepreneurs can choose loans (Shishu, Kishor, Tarun) based on their micro unit's growth stage and funding requirements
Flexible financing bands - Shishu (up to ₹50,000), Kishor (₹50,000 to ₹5 lakh), Tarun (₹5 lakh to ₹10 lakh).