Loan Schemes

11+ Govt & Bank Loan Schemes
Built In

Choose a scheme → DPRForge auto-fills correct subsidy %, margin money, lending norms and report format. Saves hours of regulatory research per project.

Government — KVIC
PMEGP

Prime Minister's Employment Generation Programme

New unit setup — manufacturing, service or trading. First-time entrepreneurs preferred.

Max Loan
₹50 Lakh (Manufacturing) / ₹20 Lakh (Service)
Tenure
3-7 years
Subsidy
25% (Urban) / 35% (Rural / SC-ST / Women / NER)
Margin
10% (General) / 5% (Special)
Government — SIDBI
MUDRA_SHISHU

PM Mudra Yojana — Shishu

Smallest businesses — kirana, tailors, vendors, micro-units.

Max Loan
₹50,000
Tenure
3-5 years
Subsidy
No subsidy (concessional rate)
Margin
Nil margin
Government — SIDBI
MUDRA_KISHORE

PM Mudra Yojana — Kishor

Established micro businesses expanding capacity.

Max Loan
₹5 Lakh
Tenure
3-7 years
Subsidy
No subsidy
Margin
10-15% margin
Government — SIDBI
MUDRA_TARUN

PM Mudra Yojana — Tarun

MSMEs ready for higher-scale growth.

Max Loan
₹10 Lakh
Tenure
5-7 years
Subsidy
No subsidy
Margin
15-25% margin
Government — SIDBI / DICGC
STAND_UP

Stand-Up India

Greenfield enterprises by SC/ST/Women entrepreneurs.

Max Loan
₹10 Lakh – ₹1 Crore
Tenure
7 years (incl. 18 mo moratorium)
Subsidy
Interest concession via DICGC
Margin
10% margin
Government — Guarantee
CGTMSE

Credit Guarantee Fund Trust for MSE

Banks for collateral-free MSME loans (₹10 lakh+).

Max Loan
₹5 Crore (Collateral-free guarantee)
Tenure
Up to 10 years
Subsidy
Guarantee fee only (no upfront subsidy)
Margin
As per scheme
Government — NABARD
NABARD_AIF

NABARD — Agriculture Infrastructure Fund

Post-harvest, cold storage, FPO, agri-supply chain.

Max Loan
₹2 Crore (3% interest subvention)
Tenure
7 years (incl. 2 yr moratorium)
Subsidy
3% interest subvention
Margin
10-25%
Government — MoFPI
PMFME

PM Formalisation of Micro Food Enterprises

Food processing micro-enterprises only.

Max Loan
₹10 Lakh (35% subsidy)
Tenure
5-7 years
Subsidy
35% (cap ₹10L)
Margin
10%
Bank — SBI
SBI_YES

SBI YES (Yuva Entrepreneur Scheme)

Young entrepreneurs (21-45 years) — service / mfg / agri-allied.

Max Loan
₹10 Crore
Tenure
Up to 10 years
Subsidy
Margin
15-25%
Bank — BoB
BOB_EMUDRA

Bank of Baroda — e-Mudra (Digital Mudra)

Existing BoB account-holders for instant Mudra loans.

Max Loan
₹10 Lakh
Tenure
3-5 years
Subsidy
No subsidy
Margin
Nil – 15%
Government — NSIC
NSIC

NSIC — Marketing & Credit Support

MSMEs needing marketing assistance + bank credit facilitation.

Max Loan
₹5 Crore
Tenure
5-7 years
Subsidy
Performance & credit rating subsidy
Margin
As per bank

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