I don't have property. Can I still get a loan?

Yes. Mudra loans up to ₹20 lakh need no collateral, and under CGTMSE the government guarantees loans up to ₹10 crore for micro & small enterprises so the bank doesn't ask for your house or land.

How much money do I need to put in myself?

Usually 5% to 10% of the project cost. Under PMEGP, special-category applicants (women, SC/ST, OBC, minorities, ex-servicemen, divyang) put in only 5%.

How long does it take to get the loan?

A well-prepared file is usually sanctioned in 3 to 8 weeks, depending on the scheme and bank. We prepare your project report within 48 hours.

Are you a government agency?

No. MSME Marg is an independent consultancy. Government portals are free to use — we charge for preparing your project report, filing the application correctly and following up with the bank until disbursement.

My loan was rejected earlier. Can you help?

Often, yes. Most rejections are due to a weak project report, the wrong scheme or missing documents. We review the earlier file, fix what went wrong and apply again with the right bank.

Which scheme is best for a food processing unit?

PMFME gives 35% subsidy up to ₹10 lakh for micro food units like snacks, pickles, masala, bakery and dairy. Larger units can combine PMEGP or CGTMSE with Karnataka's state incentives.

Financial Consultant for MSMEs · Bengaluru

Start or grow your business with a government-backed loan.

ಸಾಲವೂ ಸಿಗುತ್ತೆ, ಸಬ್ಸಿಡಿಯೂ ಸಿಗುತ್ತೆ — ಓಡಾಟ ಇಲ್ಲದೆ.

We find the right scheme — PMEGP, Mudra, CGTMSE, PMFME or a Karnataka state scheme — prepare your project report, file the application and stay with you until the money is in your account.

Check my eligibility — free WhatsApp us

Your project cost: ₹25 lakh

Subsidy up to

₹8.75 lakh

Based on PMEGP max rate (35%, rural special category). Calculate exactly →

Office: Dooravaninagar, Bengaluru +91 90364 40914

Loan

SANCTIONED

Subsidy credited

+ ₹8,75,000

35%

Max PMEGP subsidy on a new unit

₹20 lakh

Mudra loan without collateral

₹10 crore

Collateral-free limit under CGTMSE

₹10 lakh

PMFME subsidy for a food unit

Schemes

Government schemes we file

ನಿಮ್ಮ ವ್ಯಾಪಾರಕ್ಕೆ ಸರ್ಕಾರಿ ಯೋಜನೆಗಳು

Each card shows the three numbers that matter: subsidy, loan limit and what you put in yourself.

All schemes

PMEGP

Ministry of MSME · KVIC / KVIB

35%

subsidy on project cost

Start a new manufacturing or service unit and get up to 35% of the project cost as a government subsidy.

₹50 L: Max project · manufacturing
₹20 L: Max project · service
5–10%: Your own contribution

Mudra Loan

Ministry of Finance · MUDRA

₹20 L

without collateral

Collateral-free loans up to ₹20 lakh for shops, traders, small manufacturers and service businesses.

₹50 K: Shishu
₹5 L: Kishore
₹10–20 L: Tarun / Tarun Plus

CGTMSE

Ministry of MSME · SIDBI

₹10 Cr

loan without collateral

Get a bank loan without pledging your house or land — the government guarantees it for you.

75–90%: Guarantee cover
0: Property to mortgage
MSE: New & existing units

PMFME

Ministry of Food Processing Industries

₹10 L

max subsidy · 35%

For pickle, papad, masala, bakery, snacks, flour, oil and dairy units — 35% subsidy up to ₹10 lakh.

35%: Credit-linked subsidy
10%: Your contribution
₹40 K: Seed capital per SHG member

Udyogini

Karnataka State Women's Development Corporation

50%

subsidy for SC/ST women

Karnataka's loan scheme for women starting small businesses — up to 50% of the loan as subsidy.

₹3 L: Max loan
30%: Subsidy · general women
18–55: Age (years)

Karnataka Incentives

Department of Industries & Commerce, Karnataka

+ State

benefits on top of central schemes

Capital subsidy, interest subsidy, stamp-duty and power-tariff concessions — on top of central schemes.

Zone: Benefit depends on your taluk
Stamp duty: Exemption / refund
Power: Tariff concession

Process

How your file moves

ನಿಮ್ಮ ಫೈಲ್, ನಮ್ಮ ಜವಾಬ್ದಾರಿ

You don't run between the bank, DIC and CA office. Your file goes through these six stations — and we tell you at each one where it stands.

YOUR FILE

Day 1

Free call

ಉಚಿತ ಸಲಹೆ

Tell us your idea. We check eligibility and the best scheme in 15 minutes.

Day 1–3

Registrations

ನೋಂದಣಿ

Udyam, GST, FSSAI — whatever your bank and scheme need.

48 hrs

Project report

ಯೋಜನಾ ವರದಿ

Bank-ready report with costing, cash-flow, break-even and DSCR.

Week 1

Application

ಅರ್ಜಿ

Filed on the right portal with the right bank and every document.

Week 2–6

Bank follow-up

ಬ್ಯಾಂಕ್ ಫಾಲೋ-ಅಪ್

We handle queries, interviews and site visits with you.

Done

Money in account

ಖಾತೆಗೆ ಹಣ

Loan disbursed, subsidy claimed. Your unit starts running.

Calculators

Work out your subsidy and EMI

ನಿಮ್ಮ ಸಬ್ಸಿಡಿ ನೀವೇ ಲೆಕ್ಕ ಹಾಕಿ

Formulas taken from the scheme guidelines. No sign-up, no phone number needed.

All calculators

Type of business

Manufacturingup to ₹50 LServiceup to ₹20 L

Your category

GeneralSpecial*Women, SC/ST, OBC…

Unit location

Urban / CityRural / Village

Total project cost₹25 lakh

₹2 lakh₹50 lakh

Machinery + building/shed + working capital for one cycle.

*Special category: SC/ST, OBC, minorities, women, ex-servicemen, transgender, divyang, NER, hill & border areas, aspirational districts.

Government subsidy (not repaid)

₹8.75 lakh

35% of project cost — you don't repay this

Your money · 5%Subsidy · 35%Loan you repay · 60%

Project cost₹25,00,000

Your contribution (5%)₹1,25,000

Bank loan sanctioned₹23,75,000

Subsidy adjusted after 3 yrs− ₹8,75,000

Loan you actually repay₹15,00,000

Get my PMEGP project report

Industries

Businesses we prepare reports for

ನೀವು ಏನೇ ತಯಾರಿಸಿ — ನಾವು ಹಣ ಕೊಡಿಸುತ್ತೇವೆ

Typical project sizes. Food processing units get the most support right now through PMFME.

Food

Namkeen & Snacks

ಖಾರ ತಿಂಡಿ

₹8 – 25 lakh

PMFMEPMEGP

Food

Bakery & Biscuits

ಬೇಕರಿ

₹10 – 40 lakh

PMFMEPMEGP

Food

Spices & Masala

ಮಸಾಲೆ ಪುಡಿ

₹6 – 20 lakh

PMFMEMudra

Food

Flour & Rice Mill

ಹಿಟ್ಟಿನ ಗಿರಣಿ

₹10 – 50 lakh

PMEGPCGTMSE

Food

Dairy & Paneer

ಹಾಲು ಉತ್ಪನ್ನ

₹10 – 45 lakh

PMFMEPMEGP

Food

Cold-pressed Oil

ಗಾಣದ ಎಣ್ಣೆ

₹8 – 30 lakh

PMFMEPMEGP

Food

Millets & Agro Products

ಸಿರಿಧಾನ್ಯ

₹5 – 30 lakh

PMFMEUdyogini

Garments & Tailoring

ಹೊಲಿಗೆ

₹3 – 25 lakh

MudraUdyogini

Packaging & Printing

ಪ್ಯಾಕೇಜಿಂಗ್

₹15 – 50 lakh

PMEGPCGTMSE

Paper & Plastic Products

ಪ್ಯಾಕಿಂಗ್ ಸಾಮಗ್ರಿ

₹10 – 50 lakh

PMEGPCGTMSE

Furniture & Woodwork

ಪೀಠೋಪಕರಣ

₹5 – 30 lakh

PMEGPVishwakarma

Fabrication & Engineering

ಫ್ಯಾಬ್ರಿಕೇಷನ್

₹10 – 50 lakh

PMEGPCGTMSE

Manufacturing Units

ಕಾರ್ಖಾನೆ

₹25 lakh – 5 crore

CGTMSEPMEGP

Salon & Beauty

ಬ್ಯೂಟಿ ಪಾರ್ಲರ್

₹3 – 15 lakh

MudraUdyogini

Clinics & Diagnostics

ಕ್ಲಿನಿಕ್

₹10 – 50 lakh

CGTMSEMudra

Gym & Fitness

ಜಿಮ್

₹8 – 20 lakh

PMEGPMudra

Retail & Kirana

ಕಿರಾಣಿ ಅಂಗಡಿ

₹1 – 10 lakh

Mudra

Transport & Logistics

ಸಾರಿಗೆ

₹5 – 50 lakh

MudraCGTMSE

What we do

Most rejected files fail on small things

ಸಣ್ಣ ತಪ್ಪು, ದೊಡ್ಡ ನಷ್ಟ — ಅದು ಆಗದಂತೆ ನಾವು ನೋಡಿಕೊಳ್ಳುತ್ತೇವೆ

Wrong scheme, a weak project report, one missing paper. We check all of it before your file reaches the bank.

01
Project Report (DPR)
Bank-ready report with costing, cash-flow, break-even and DSCR — the main thing a bank looks at.
02
Loan & Subsidy Filing
PMEGP, PMFME, Mudra, CGTMSE, Udyogini, Stand-Up India — right scheme, right bank, right papers.
03
Udyam, GST & FSSAI
The registrations your business needs before the bank asks for them.
04
CMA Data & Working Capital
For running units that need cash credit, overdraft or a higher limit.
05
State Subsidy Claims
Karnataka capital, interest and power subsidy claims filed and followed up with DIC.
06
Bank Follow-up
We sit with the branch manager so you can run your business.

Doing it alone

With MSME Marg

Which scheme fits me?

Ask five people, get five answers

Matched in a 15-minute call

Project report

Copied template — banks reject it

Written for your unit, with real numbers

Documents

Many trips, something always missing

One checklist, we verify everything

Bank visits

Weeks of 'come tomorrow'

We follow up with the branch

Subsidy claim

Often forgotten after the loan

Tracked till it is credited

Documents

Check your documents

ದಾಖಲೆಗಳು ಸಿದ್ಧವೇ? ಪರಿಶೀಲಿಸಿ

Tick what you already have. Whatever is missing — Udyam, GST, FSSAI, project report — we arrange it.

PMEGP documents

0/6 ready

Aadhaar & PAN card
Detailed project report (DPR)
Caste / special-category certificate (if applicable)
Education certificate
Rural area certificate (for rural rate)
EDP training certificate (completed after sanction)

6 missing — we help you arrange them.

Get help with PMEGP documents

Examples

What the numbers look like for typical projects

ಸಾಮಾನ್ಯ ಪ್ರಾಜೆಕ್ಟ್‌ಗಳ ಲೆಕ್ಕ ಹೀಗಿರುತ್ತದೆ

Worked out with the scheme rules. Use the calculators for your own project.

PMEGP

Flour & rice mill in a village

New unit · special-category applicant · rural location

Subsidy

₹8.75 lakh

Project cost: ₹25 lakh
You put in: ₹1.25 lakh
Loan to repay: ₹15 lakh

Work out your numbers

PMFME

Masala & pickle unit

A home food business upgraded to a registered unit

Subsidy

₹6.3 lakh

Project cost: ₹18 lakh
You put in: ₹1.8 lakh
Loan to repay: ₹9.9 lakh

Work out your numbers

Udyogini

Tailoring unit run by a woman

Karnataka Udyogini loan with state subsidy

Subsidy

₹90,000

Bank loan: ₹3 lakh
Loan to repay: ₹2.1 lakh

Work out your numbers

CGTMSE

Packaging unit expansion

New machinery for a running unit, no property mortgaged

EMI (10.5%, 7 yrs)

₹80,931

Bank loan: ₹48 lakh
Collateral: Not needed

Work out your numbers

Illustrative examples based on scheme guidelines — not client data.

Questions

Common questions

ನಿಮ್ಮ ಪ್ರಶ್ನೆಗಳು, ನಮ್ಮ ಉತ್ತರಗಳು

Still unsure? Call or WhatsApp us — we explain in Kannada or English.

Yes — subsidy under schemes like PMEGP and PMFME does not have to be repaid. It is credited to your loan account (held for 3 years under PMEGP) and reduces what you repay, as long as the unit keeps running.

Free call

Book a free call with an expert

ಇಂದೇ ಮಾತನಾಡಿ — ಮೊದಲ ಸಲಹೆ ಉಚಿತ

Share a few details. We'll call you, check which schemes you qualify for and tell you how much subsidy you can expect.

Talk directly to Narendra Kumar B, Founder

WhatsApp us