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Scheme Assessment
We review your business profile and match eligible government schemes.
Government Schemes
Unlock Government-Backed Funding for Your MSME
We help you identify, apply, and secure CGTMSE, DCGS, MUDRA, Startup Business Loan, PMEGP, and MSME schemes — with clear eligibility guidance and lender-ready documentation.
6+
Government Schemes
₹2 Cr+
CGTMSE Cover Available
0 Collateral
On Eligible MSME Loans
Pan-India
Bank & Agency Network
Government Schemes We Facilitate
Click on any scheme to explore eligibility, benefits, and required documents.
CGTMSE enables MSMEs to access collateral-free credit from banks and NBFCs. The trust provides credit guarantee cover, reducing lender risk and helping eligible businesses secure term loans and working capital without pledging assets.
Max Amount
Up to ₹10 Cr
Interest Rate
As per bank / NBFC norms
Tenure
Up to 10 years (working capital: 5 years)
Collateral
Not required (guarantee cover)
Eligibility
- New or existing micro and small enterprises
- Valid Udyam / MSME registration
- Satisfactory credit and banking conduct
- Loan within scheme ceiling and lender policy
Key Benefits
- No collateral or third-party guarantee required
- Access to term loans and working capital
- Wide lender network across India
- Supports expansion, machinery, and WC needs
Documents Required
- KYC of promoters and business
- Udyam / MSME registration
- Business proof and financials
- Bank statements (6–12 months)
- GST returns and ITR
Delhi Credit Guarantee Scheme (DCGS) supports eligible Micro and Small Enterprises in NCT of Delhi with credit facilities of up to ₹10 crore and guarantee coverage of up to 95%, implemented through eligible Member Lending Institutions with CGTMSE.
Max Amount
Up to ₹10 Crore
Guarantee Coverage
Up to 95%
Tenure
As per lender & facility terms
Collateral
Collateral-free / reduced-collateral, subject to scheme & lender norms
Eligibility
- New or existing Micro and Small Enterprises
- Business located in NCT of Delhi
- Eligible manufacturing, service and trading enterprises
- Valid Udyam / MSME registration
- Satisfactory credit and banking conduct
Key Benefits
- Credit facilities up to ₹10 crore
- Guarantee coverage of up to 95%
- Reduced collateral requirement for eligible facilities
- Supports working capital and business expansion
- Implemented through eligible Member Lending Institutions with CGTMSE
Documents Required
- KYC of promoters and business
- Udyam / MSME registration
- Business proof and financial statements
- Bank statements
- GST returns and ITR
- Existing loan details, where applicable
Learn more about DCGS
Check if I qualify for DCGS
Subject to applicable DCGS guidelines, borrower eligibility and lender assessment.
MUDRA provides refinance support to banks and NBFCs for lending to non-corporate, non-farm small/micro enterprises. Loans are categorized as Shishu (up to ₹50K), Kishore (₹50K–₹5L), and Tarun (₹5L–₹10L) based on business stage.
Max Amount
Up to ₹10 Lakh (Shishu / Kishore / Tarun)
Interest Rate
Competitive rates from partner banks
Tenure
Up to 5 years
Collateral
Typically not required
Eligibility
- Small business owners and micro enterprises
- Non-farm income-generating activities
- Viable business plan or established operations
- Satisfactory repayment capacity
Key Benefits
- Low-ticket loans for micro businesses
- Minimal documentation for smaller amounts
- Supports traders, manufacturers, and service units
- Wide branch-level availability
Documents Required
- Identity and address proof
- Business proof / shop establishment
- Bank statements
- Quotations for equipment (if applicable)
- Passport-size photographs
Finance support for starting and growing a business — with access to institutional credit and applicable government scheme benefits, subject to lender and scheme assessment.
Max Amount
As per applicable scheme & lender
Government Support
Interest Subsidy / Credit-Linked Benefits, where applicable
Tenure
As per lender & scheme terms
Collateral
As per applicable scheme and lender guidelines
Eligibility
- New and eligible startup/business applicants
- Individuals / entrepreneurs meeting applicable scheme criteria
- Eligible business activities
- Applicant must satisfy lender and scheme requirements
- Viable business/project proposal
Key Benefits
- Financial support for starting or expanding a business
- Access to institutional credit
- Applicable government scheme benefits
- Support for eligible business activities
- Financing subject to lender assessment
Documents Required
- PAN & Aadhaar / KYC
- Business registration documents, where applicable
- Business / project report
- Bank account details
- Financial documents, where applicable
- Address and business proof
- Other documents required by the lender
Learn more about Startup Business Loan
Check Startup Loan Eligibility
Loan amount, subsidy/benefits, collateral requirements, interest rate and other terms are subject to the applicable scheme guidelines and lender assessment.
PMEGP is a credit-linked subsidy scheme to generate employment by promoting new micro enterprises. Margin money subsidy is provided on project cost, making it attractive for first-generation entrepreneurs in manufacturing and service sectors.
Max Amount
Up to ₹50 Lakh (manufacturing) / ₹20 Lakh (service)
Interest Rate
As per bank norms
Tenure
3–7 years (as per project)
Collateral
As per bank policy; subsidy reduces project cost
Eligibility
- Individuals 18+ years (no income ceiling for own project)
- Existing units not eligible (new units only)
- Educational criteria vary by project cost bracket
- Only one person per family eligible for subsidy
Key Benefits
- Margin money subsidy (15–35% of project cost)
- Supports rural and urban employment
- Wide sector coverage
- Implemented through KVIC / DIC / KVIB
Documents Required
- EDP training certificate (if applicable)
- Project report and cost estimates
- Caste / category certificates (if applicable)
- KYC and address proof
- Quotations for plant & machinery
The Ministry of MSME runs multiple central schemes — including credit support, technology upgradation, cluster development, and market assistance — to strengthen competitiveness of micro, small, and medium enterprises across India.
Max Amount
Varies by scheme
Interest Rate
Scheme-specific
Tenure
Scheme-specific
Collateral
Varies by programme
Eligibility
- Registered MSMEs (Udyam registration)
- Scheme-specific sector and activity criteria
- Compliance with applicable regulations
- Meeting minimum operational vintage where required
Key Benefits
- Access to multiple central programmes in one advisory flow
- Technology and quality upgradation support
- Export and market development assistance
- Credit-linked incentives in select schemes
Documents Required
- Udyam registration certificate
- Business incorporation / establishment proof
- Financial statements
- Scheme-specific application forms
- Project details where applicable
How We Help You Access Schemes
End-to-end support from scheme matching to sanction and disbursement.
2
Eligibility Mapping
Clear guidance on criteria, subsidy benefits, and lender options.
3
Application Support
Help preparing project reports, forms, and lender-ready documentation.
4
Submission & Follow-up
Coordinate with banks and agencies until sanction and disbursement.
Frequently Asked Questions
We facilitate CGTMSE, DCGS, MUDRA, Startup Business Loan, PMEGP, and central MSME programmes. Our team maps your profile to the schemes you are most likely to qualify for.
Many schemes — especially CGTMSE and MUDRA — are designed to reduce collateral requirements. PMEGP and Startup Business Loan terms vary by scheme and lender. We clarify what applies to your case before you apply.
Timelines vary by scheme and lender, typically ranging from 2 to 4 weeks for complete files. Our documentation support helps avoid delays caused by incomplete applications.
Yes — schemes like Startup Business Loan, PMEGP, and MUDRA Shishu cater to new and early-stage enterprises. CGTMSE and other programmes also support eligible new MSME units subject to lender policy.
Typical requirements include KYC, Udyam registration, business proof, bank statements, GST returns, and project reports. Exact lists depend on the scheme — we provide a tailored checklist for your application.
Not sure which scheme you qualify for?
Share your business profile. Our advisors will map the right government scheme and help you apply — free consultation, no obligation.