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🏛️ Free MSME & Startup India Tool

MSME & Startup India Scheme Finder

Find Government Loans & Subsidies you qualify for in 60 seconds. Matches Mudra Loan, PMEGP, Stand-Up India, and CGTMSE schemes instantly.

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🇮🇳 Govt of India Schemes
⚡ 60-Second Eligibility Checker
💰 ₹10L – ₹5Cr Loan Ranges
🆓 100% Free Tool
MSME Eligibility Quiz — Live Tool
What government schemes are available for Indian startups and MSMEs? The Indian government offers numerous schemes like Mudra Loan, PMEGP, CGTMSE, and Startup India Seed Fund to support MSMEs with collateral-free loans, subsidies, and tax benefits. Eligibility depends on your business stage, sector, turnover, and specific funding requirements.

Find Your Eligible Schemes

Answer 5 simple questions to get a personalized list of government loan schemes and subsidies.

Step 1 of 5

What is your Business Category?

Complete Guide to MSME Schemes (2026)

The Government of India and the Ministry of Micro, Small & Medium Enterprises (MSME) have launched several credit, subsidy, and technology upgrade schemes to empower Indian entrepreneurs. Knowing which scheme fits your business profile is the first step to unlocking crucial capital.

Top Government Loan Schemes

1. Pradhan Mantri Mudra Yojana (PMMY)

Provides collateral-free loans up to ₹10 lakhs for micro-enterprises. Ideal for retail, trading, and small manufacturing. Classified into Shishu, Kishore, and Tarun based on loan size.

2. Prime Minister's Employment Generation Programme (PMEGP)

A major credit-linked subsidy scheme offering up to ₹50 lakhs for manufacturing and ₹20 lakhs for service sectors. Subsidies range from 15% to 35% depending on category and location.

3. Stand-Up India Scheme

Facilitates bank loans between ₹10 lakhs and ₹1 Crore to at least one SC/ST borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise.

4. CGTMSE

Provides credit guarantee to financial institutions so they can offer collateral-free loans up to ₹5 Crores to MSEs.

Frequently Asked Questions

Do I need collateral for MSME loans?

Not always. Schemes like Mudra and loans backed by CGTMSE provide collateral-free credit to eligible businesses. Banks rely on the viability of your business plan rather than physical assets.

Is a Business Plan required for Mudra Loan?

Yes, a well-structured project report (business plan) outlining your financial projections, cost of project, and means of finance is mandatory for applying for Mudra, PMEGP, and most other bank loans.