Looking for a government subsidy loan for your business, or the right MSME loan scheme? Not sure which government scheme fits your business? Answer 8 questions — stage, activity, need, amount, owner category, Udyam, DPIIT and state — and this free finder checks you against 12 central schemes for loans, subsidies, credit guarantees and certification support, with the amount you can get and where to apply.
Government Scheme Finder for MSMEs & Startups
Answer 8 quick questions to see which of 12 central schemes fit your business — loans, subsidies, guarantees and certification support — with amounts and the next step. आपके बिज़नेस के लिए कौन सी सरकारी योजना — 1 मिनट में जानें।
Starting-point guide, not an approval. Banks, incubators and scheme agencies decide. Rules checked 27–29 Sep 2026 against official scheme pages, PIB and bank scheme documents. Every scheme listed is free to apply for — never pay an agent.
Schemes the finder checks
| Scheme | What you get | Who it is for |
|---|---|---|
| Mudra (PMMY) | Loans up to ₹20 lakh | Small non-farm businesses |
| PMEGP | 15–35% subsidy; project up to ₹50 lakh (mfg) / ₹20 lakh (service) | New units |
| CGTMSE | Collateral-free loans up to ₹10 crore | Micro & small enterprises |
| Stand-Up India | ₹10 lakh – ₹1 crore loan | First business of women or SC/ST entrepreneurs |
| PM SVANidhi | ₹15,000 → ₹25,000 → ₹50,000 | Street vendors |
| PM Vishwakarma | ₹1 lakh + ₹2 lakh at 5%, toolkit, training | Traditional artisans |
| Udyogini (Karnataka) | ₹1–3 lakh loan, 30–50% subsidy | Women, 18–55, income limits |
| PMFME | 35% subsidy up to ₹10 lakh | Micro food processing units (extension pending after 30 Sep 2026) |
| CGSS | Guarantee up to ₹20 crore | DPIIT-recognised startups |
| Startup India Seed Fund | Up to ₹20 lakh grant + ₹50 lakh debt | DPIIT startups under 2 years (current round closed) |
| ZED certification | 50–90% of certification cost | Udyam-registered MSMEs |
| National SC-ST Hub | Capital subsidy, reimbursements, 4% procurement share | SC/ST-owned micro & small enterprises |
Common questions
Can I use more than one scheme? Often yes — for example a PMEGP or Stand-Up India loan can be covered under CGTMSE so you do not need collateral. A subsidy scheme usually cannot be combined with another subsidy for the same cost.
Do I need Udyam registration? Most MSME schemes and bank schemes ask for it. It is free and online — use our MSME category & Udyam checker first.
Should I pay an agent to apply? No. Every scheme here is free to apply for through the official portal, a bank branch or a Common Service Centre.
Rules last verified 27–29 Sep 2026 against official scheme pages, PIB releases and bank scheme documents. Limits change — confirm on the official site before applying.
More free tools: MCGS-MSME calculator · UP MSME subsidy calculator · ZED subsidy calculator · CGTMSE collateral-free loan calculator · PMEGP subsidy calculator · Loans & subsidies for women · MSME category & Udyam checker · Google Ads health check · ROAS calculator · MSME 45-day payment & 43B(h) calculator · PM SVANidhi loan calculator · PM Mudra loan calculator · JanSamarth loan helper