Government
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Complete SupportGovernment Loan Schemes
Complete Information on All Government Backed Loan Programs
About Government Schemes
Government of India offers various loan schemes to promote entrepreneurship, small businesses, startups and self-employment. These schemes provide financial assistance with subsidized interest rates, easy approval and government backing. HBL MICRO FINANCE helps you access these government schemes with complete documentation and application support.
Major Government Loan Schemes:
- Mudra Loan (Shishu, Kishor, Tarun)
- PM SVANidhi (Street Vendor Scheme)
- PMEGP (Employment Generation)
- Stand Up India (SC/ST/Women)
- Startup India Seed Fund Scheme
- CGTMSE Credit Guarantee Scheme
"Government schemes provide the best opportunity for small entrepreneurs and startups with low-interest loans and easy approval. We help you access these benefits."
Mudra Loan
Up to ₹10 Lakhs
PM SVANidhi
Street Vendors
PMEGP
Employment Program
Stand Up India
SC/ST/Women
Benefits of Government Schemes
Why Choose Government Backed Loan Programs
Low Interest Rates
Government schemes offer subsidized interest rates starting from 8% per annum, much lower than market rates. Special interest subvention for women and priority sectors.
No Collateral Required
Most government loan schemes don't require collateral or security for loans up to ₹10 lakhs. CGTMSE provides credit guarantee coverage to banks.
Subsidy Benefits
Government provides margin money subsidy, capital subsidy and interest subsidy for eligible borrowers under various schemes like PMEGP.
Easy Approval
Quick processing and approval with minimal documentation. Government backing ensures better acceptance rates for eligible applicants.
All Government Loan Schemes
Complete Details of Government Backed Loan Programs
Mudra Loan
Micro Units Development & Refinance Agency (MUDRA) Loan for small businesses and entrepreneurs.
- Shishu: Up to ₹50,000
- Kishor: ₹50,001 to ₹5,00,000
- Tarun: ₹5,00,001 to ₹10,00,000
- Interest: 8-12% per annum
- No collateral required
- For new & existing businesses
PM SVANidhi Scheme
PM Street Vendor's AtmaNirbhar Nidhi - Special scheme for street vendors and hawkers.
- Loan Amount: Up to ₹10,000 (1st time)
- 2nd Loan: Up to ₹20,000
- 3rd Loan: Up to ₹50,000
- Interest Subsidy: 7% per annum
- Tenure: 12 months (each loan)
- For street vendors & hawkers
PMEGP Scheme
Prime Minister's Employment Generation Programme for manufacturing and service sectors.
- Manufacturing: Up to ₹25 lakhs
- Services: Up to ₹10 lakhs
- Subsidy: 15-35% of project cost
- Higher subsidy for SC/ST/Women
- New enterprise setup only
- Age: 18 years and above
Stand Up India
Scheme for SC/ST and Women entrepreneurs to set up greenfield enterprises.
- Loan Amount: ₹10 lakhs to ₹1 Crore
- For SC/ST & Women only
- Manufacturing/Services/Trading
- Greenfield project (new setup)
- Composite loan (term + working capital)
- Repayment: 7 years maximum
Startup India Seed Fund
Seed funding support for startups for proof of concept, prototype development and market entry.
- Seed Fund: Up to ₹20 lakhs
- For DPIIT recognized startups
- Proof of concept support
- Prototype development funding
- Product trials & market entry
- Incubator based selection
CGTMSE Scheme
Credit Guarantee Fund Trust for Micro & Small Enterprises - Collateral free loans.
- Coverage: Up to ₹5 Crore
- No collateral/third party guarantee
- For micro & small enterprises
- 85% guarantee coverage for MSE
- Manufacturing & service sector
- New & existing units eligible
National SC-ST Hub
Scheme to facilitate participation of SC/ST entrepreneurs in public procurement.
- For SC/ST entrepreneurs only
- Handholding & mentoring support
- Tender bidding assistance
- Technology & marketing support
- 4% procurement preference
- Capacity building programs
Mahila Udyam Nidhi
Small Industries Development Bank of India scheme exclusively for women entrepreneurs.
- Loan Amount: Up to ₹10 lakhs
- Only for women entrepreneurs
- Small scale industries
- Ownership: Min 51% by women
- Preferential interest rates
- Quick processing & approval
CLCSS - Technology Upgradation
Credit Linked Capital Subsidy Scheme for technology upgradation of MSMEs.
- Subsidy: 15% of investment
- Max subsidy: ₹15 lakhs
- For technology upgradation
- Approved machinery purchase
- For micro & small enterprises
- New technology adoption support
Dairy Entrepreneurship Scheme
NABARD scheme for setting up dairy farming, processing and value addition units.
- Individual: Up to ₹13.20 lakhs
- Cooperative: Project based
- Subsidy: 25-33% of project cost
- Dairy farming & milk processing
- Value addition units support
- Bank loan + Subsidy = Total cost
PM Rozgar Yojana
Self-employment scheme for educated unemployed youth to set up small businesses.
- Loan Amount: Up to ₹2 lakhs
- For educated unemployed (Class 8+)
- Age: 18-35 years (40 for SC/ST)
- Subsidy: 15% of project cost
- Industry, service or business
- Training support provided
Emergency Credit Line (ECLGS)
Guaranteed Emergency Credit Line for businesses affected by COVID-19 pandemic.
- Coverage: Up to ₹5 Crore
- 100% guarantee coverage by NCGTC
- No collateral or guarantee required
- For MSMEs & business enterprises
- Extended till March 2025
- Moratorium: 12 months available
Why Choose Us for Government Schemes?
Expert Assistance for Maximum Benefits
Complete Documentation
We handle all paperwork and application process
Maximum Subsidy
Expert guidance to get maximum subsidy benefits
Quick Approval
Fast processing with expert application support
End-to-End Support
From application to disbursal - complete assistance
Apply for Government Loan Schemes
Get expert assistance for government loan schemes with maximum benefits!