Rajasthan mein RIPS 2024 ke saath MSME Policy 2024 bhi extra fayda deti hai: machinery loan par 2% tak aur interest subsidy, CGTMSE guarantee fee 7 saal tak wapas, aur certification, technology, e-commerce, trade fair aur SME IPO ka kharcha. Neeche bharein aur dekhein RIPS ke upar kitna aur milega. Free, no login.
Rajasthan MSME Policy 2024 Calculator
The MSME Policy 2024 adds benefits on top of RIPS 2024: up to 2% extra interest subsidy on your machinery loan, your CGTMSE guarantee fee back for 7 years, and one-time help for certification, technology, digitisation, e-commerce, trade fairs and SME IPO. Fill in what applies. राजस्थान MSME नीति 2024 — RIPS के ऊपर कितना अतिरिक्त लाभ मिलेगा।
Free estimate, not an approval. Based on the Rajasthan MSME Policy 2024 (Department of Industries & Commerce, Government of Rajasthan; in force till 31 Mar 2029; policy PDF on istart.rajasthan.gov.in): cl. 6.2 — additional interest subvention over and above RIPS 2024 on plant & machinery loans for selected new / expansion projects: 2% up to ₹5 crore, 1% ₹5–10 crore, 0.5% ₹10–50 crore (applied slab-wise here, like RIPS), for the same period as RIPS (7 years; Khadi 10); 100% of CGTMSE annual guarantee fee reimbursed for 7 years on collateral-free loans below ₹5 crore; cl. 6.3 — one-time up to ₹15 lakh for raising funds on NSE / BSE SME platform; cl. 6.4 — 50% of technology / software bought from IISc, IITs, NITs, NIDs, CSIR etc., max ₹5 lakh (micro & small); cl. 6.6 — 50% of quality certification / IPR cost, max ₹3 lakh; cl. 6.10.1 — trade fairs: 75% of stall rent up to ₹37,500 (Rajasthan, 3 events), ₹1,12,500 (rest of India, 2 events), ₹1,50,000 (abroad, 1 event) a year, plus fare for 2 persons; cl. 6.10.2 — 75% of digitisation software / equipment and 75% of e-commerce platform fees, max ₹50,000 each. CGTMSE fee uses standard slabs. Total RIPS + extra subsidy kept within your bank rate (our assumption). Last checked 5 Oct 2026.
MSME Policy 2024 benefits ek nazar mein
| Benefit | Kitna | Limit |
|---|---|---|
| Extra interest subsidy (RIPS ke upar) | 2% ≤₹5 cr · 1% ₹5–10 cr · 0.5% ₹10–50 cr | 7 saal |
| CGTMSE guarantee fee | 100% wapas | 7 saal, loan <₹5 cr |
| Quality certificate / IPR | 50% | ₹3 lakh |
| Technology (IIT, NIT, CSIR…) | 50% | ₹5 lakh |
| POS / barcode / software | 75% | ₹50,000 |
| E-commerce platform fees | 75% | ₹50,000 |
| Trade fair stall rent | 75% | ₹37,500 / ₹1.125 lakh / ₹1.5 lakh |
| SME IPO kharcha | Actual | ₹15 lakh |
Yeh calculator sirf MSME Policy 2024 ke extra benefits dikhata hai. SGST, 6% interest subvention, EPF / ESI aur stamp duty ke liye RIPS 2024 calculator dekhein.
Ek example
Jodhpur ki ek small unit ₹3 crore ka machinery loan 10% par 7 saal ke liye CGTMSE mein bina collateral leti hai. RIPS ke 6% ke upar extra 2% — 7 saal mein ₹24 lakh. CGTMSE fee (1% saal, bache loan par) — 7 saal mein ₹12 lakh wapas. ISO + trademark ka ₹4 lakh kharcha — ₹2 lakh wapas. POS software ₹60,000 — ₹45,000 wapas; e-commerce fees ₹40,000 — ₹30,000 wapas. Kul lagbhag ₹38.75 lakh, RIPS 2024 ke fayde ke alawa.
Kaun eligible hai
- Udyam registered micro, small ya medium unit — manufacturing ya service.
- Extra interest subsidy: nayi unit ya expansion / diversification / modernisation, machinery term loan, RIPS 2024 approval ke baad, selected projects.
- CGTMSE fee refund aur technology help: micro aur small units.
- Ek hi fayda do state schemes mein nahi milega.
Apply kaise karein
- Pehle RIPS 2024 interest subvention approval lein (Rajasthan single window, SSO ID).
- Approval ke 6 mahine ke andar extra interest subsidy aur CGTMSE fee refund ke liye DICC (₹10 crore tak) ya Commissioner, Industries & Commerce (usse upar) ko apply karein.
- Certification, technology, digitisation, e-commerce aur fair ke bill, certificate aur bank proof sambhal kar rakhein.
- SME IPO help: listing ke 1 saal ke andar Commissioner, Industries & Commerce ko CA-certified kharche ke saath apply karein.
Aksar pooche jaane wale sawaal
MSME Policy 2024 aur RIPS 2024 mein kya fark hai? RIPS 2024 main scheme hai: 75% SGST wapas, 6% / 4% / 3% interest subvention, EPF / ESI, stamp duty, bijli duty, mandi fee. MSME Policy 2024 uske upar extra deti hai: 2% / 1% / 0.5% aur interest subsidy, CGTMSE fee wapas, certification, technology, e-commerce, trade fair aur SME IPO ki madad. RIPS ka hisaab RIPS 2024 calculator mein dekhein.
Extra interest subsidy kaise calculate hoti hai? Slab-wise: pehle ₹5 crore par 2%, ₹5–10 crore par 1%, ₹10–50 crore par 0.5%. Jaise ₹6 crore loan par ₹5 crore ka 2% (₹10 lakh) + ₹1 crore ka 1% (₹1 lakh) = ₹11 lakh saal ka (pure loan par). Muddat RIPS jitni: 7 saal.
Kya har unit ko extra interest subsidy milegi? Nahi. Yeh selected projects ko milti hai. ₹10 crore tak ke loan District Level Task Force Committee aur usse upar State level committee dekhti hai. Pehle RIPS 2024 interest subvention approval chahiye.
CGTMSE fee kaun wapas karta hai? Agar aapka ₹5 crore se kam ka collateral-free loan CGTMSE mein cover hai, to bank ko bhari gayi annual guarantee fee ka 100% rajya sarkar 7 saal tak wapas karti hai.
MSME Policy 2024 kab tak hai? Policy 31 March 2029 tak lagu hai. Apply apne District Industries & Commerce Centre (DICC) ya Commissioner, Industries & Commerce, Rajasthan ke paas karein.
Source: Rajasthan MSME Policy 2024, Department of Industries & Commerce, Government of Rajasthan (policy PDF on istart.rajasthan.gov.in), clauses 4, 6.2, 6.3, 6.4, 6.6, 6.10 and 7.7; CGTMSE annual guarantee fee slabs. Application timelines from the scheme guidelines as reported; confirm with your DICC. Last checked 5 Oct 2026.
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