Schemes

Every scheme, in plain numbers

ಎಲ್ಲಾ ಸರ್ಕಾರಿ ಯೋಜನೆಗಳು — ಸರಳ ಭಾಷೆಯಲ್ಲಿ

Filter by what you need. Open any scheme for eligibility, documents, the step-by-step process and a calculator.

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

Stand-Up India

Department of Financial Services

₹1 Cr

for women & SC/ST founders

Loans from ₹10 lakh to ₹1 crore for women and SC/ST entrepreneurs starting their first enterprise.

₹10 L: Minimum loan
7 yrs: Repayment
18 mo: Moratorium

PM Vishwakarma

Ministry of MSME

interest · up to ₹3 L

Collateral-free loans at 5% interest, plus toolkit support, for traditional artisans in 18 trades.

₹1 L + ₹2 L: Loan in two tranches
₹15 K: Toolkit incentive
₹500/day: Training stipend

Udyam Registration

Ministry of MSME

1 day

to get your MSME certificate

Your MSME certificate. Needed for priority loans, subsidies, tender benefits and 45-day payment protection.

Free: Government fee
45 days: Payment protection
Lifetime: Validity

ZED Certification

Ministry of MSME · QCI

80%

of certification cost subsidised

Zero Defect, Zero Effect certification — up to 80% of the cost paid by the government.

80%: Micro units
60%: Small units
+10%: Women / SC / ST

Comparison

Which scheme is for me?

One line on each scheme.

Scheme	Biggest benefit	Best for
PMEGP Prime Minister's Employment Generation Programme	35% subsidy on project cost	First-time entrepreneurs setting up a new unit — flour mills, bakeries, packaging units, fabrication shops, salons, repair centres.	Details →
Mudra Loan Pradhan Mantri MUDRA Yojana	₹20 L without collateral	Kirana shops, tailors, tiffin services, small food stalls, beauty parlours, transport operators and micro manufacturers.	Details →
CGTMSE Credit Guarantee Fund Trust for Micro & Small Enterprises	₹10 Cr loan without collateral	Micro & small manufacturers and service units that need a bigger term loan or working capital but don't have property to mortgage.	Details →
PMFME PM Formalisation of Micro Food Processing Enterprises	₹10 L max subsidy · 35%	Packed-food makers — namkeen & snacks, pickles, masala, bakery, papad, jaggery, millet products, cold-pressed oil, dairy, ready-to-eat.	Details →
Udyogini Udyogini Scheme (Karnataka)	50% subsidy for SC/ST women	Women in Karnataka starting a tailoring unit, tiffin service, beauty parlour, small shop, dairy or any of the listed small trades.	Details →
Karnataka Incentives Karnataka Industrial Policy Incentives	+ State benefits on top of central schemes	New and expanding manufacturing units in Karnataka — especially in backward taluks and for women, SC/ST entrepreneurs.	Details →
Stand-Up India Stand-Up India Scheme	₹1 Cr for women & SC/ST founders	Women and SC/ST entrepreneurs setting up a new unit in manufacturing, services, trading or agri-allied activities.	Details →
PM Vishwakarma PM Vishwakarma Yojana	5% interest · up to ₹3 L	Carpenters, blacksmiths, potters, tailors, cobblers, goldsmiths, barbers, washermen, basket weavers and other traditional artisans.	Details →
Udyam Registration Udyam (MSME) Registration	1 day to get your MSME certificate	Every business — required to claim most MSME benefits.	Details →
ZED Certification MSME Sustainable (ZED) Certification	80% of certification cost subsidised	Manufacturers who want better buyers, export orders, lower interest from banks and state incentives.	Details →

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