Empowering MSMEs & Startups across India
Government schemes
CGTMSE, MUDRA (PMMY), PMEGP, Stand-Up India, Startup India Seed Fund, and PM SVANidhi - eligibility signals, documents, and how we help you approach banks and agencies with a complete file.
Disclaimer: Limits, subsidies, and rules change with government notifications and lender policies. This guide is educational - final sanction rests with banks / agencies.
Collateral-free guarantee - higher ticket loans
Understand CGTMSE: credit guarantee cover that helps MSMEs access term loans and working capital with reduced collateral pressure. Eligibility, documents, and lender coordination - limits per current CGTMSE / RBI notifications.
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Micro loans - Shishu, Kishor, Tarun
PMMY (MUDRA) loans for non-farm micro and small enterprises: understand Shishu, Kishor, and Tarun stages, typical ticket sizes, and documents. Ideal for traders, vendors, and service micro-units seeking affordable credit.
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DPIIT startups - seed-stage capital
Seed Fund Scheme for eligible DPIIT-recognised startups: incubators, milestones, and equity-linked support. We help structure your deck, data room, and incubator coordination for competitive selection.
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SC/ST & women - composite bank loans
Stand-Up India facilitates bank loans between ₹10 lakh and ₹1 crore to greenfield enterprises by SC/ST and women borrowers. Branch banking process, eligibility, and project report support for manufacturing, services, or agri-allied activities.
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Subsidy-linked new units - manufacturing & service
PMEGP offers subsidy (margin money) for new projects in manufacturing and service sectors through bank credit. Rural vs urban subsidy rates, project ceilings, and KVIC / DIC routing - we help with project reports and bank coordination.
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Micro credit for street vendors
PM SVANidhi supports street vendors with affordable working capital loans and digital onboarding. Identity, ULB certificate, and bank linkage - we assist eligible vendors with application hygiene and follow-ups.
Read full guideMicro / first-time borrower
PMMY (MUDRA) or PM SVANidhi (street vendors)
Manufacturing / service - new unit with subsidy
PMEGP (margin money)
Higher ticket without full collateral
CGTMSE-backed bank facilities
SC/ST or woman - greenfield project ₹10L-₹1Cr
Stand-Up India
DPIIT startup - seed stage via incubator
Startup India Seed Fund (SISFS)
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