Credit guarantee for term loans (especially for machinery/equipment) up to ₹100 crore (guarantee cover), with relaxed collateral requirements – aims to facilitate large equipment financing for MSMEs.
Credit-linked subsidy for starting micro-enterprises in the manufacturing/service sector — supports new entrepreneurs, often first-time business owners.
Collateral-free loans with government-backed guarantee — helps MSMEs get bank/NBFC credit without heavy security requirements.
Shishu: Up to ₹50,000
Kishore: ₹50,001 to ₹5 lakh
Tarun: ₹5 lakh to ₹10 lakh
These loans fall under and are classified as MUDRA loans. MUDRA stands for Micro Units Development and Refinance Agency Ltd., established by the Government of India in 2015 under the Pradhan Mantri Mudra Yojana (PMMY) to provide financial support to non-corporate, non-farm small/micro enterprises. MUDRA primarily refinances microloans provided by banks, NBFCs, MFIs, and other lending institutions to foster entrepreneurship and boost the micro-enterprise sector.
“A merger of the Prime Minister’s Rojgar Yojana (PMRY) and Rural Employment Generation Programme (REGP), this scheme aims at promoting self-employment among the youth and traditional artisans.
Loan Cap: ₹25 lakh for manufacturing and ₹10 lakh for services.
Subsidy: 15% to 35%, varying by location and category (urban/rural, general/special).”
Focused on technology upgradation, CLCSS provides a 15% capital subsidy for loans up to ₹1 crore for purchasing modern equipment.
Eligible Sectors: Manufacturing units looking to adopt state-of-the-art technology.
To address the equity shortage in MSMEs, this scheme offers equity funding through venture capital and private equity.
Fund Size: ₹50,000 crore.
Purpose: To help MSMEs with growth potential get listed on stock exchanges and attract private investments.”
Launched to support stressed or NPA MSMEs, this scheme provides subordinate debt funding to promoters of stressed MSMEs.
Loan Limit: 15% of promoters’ equity or ₹75 lakh (whichever is lower).
Repayment: 10 years with a 7-year moratorium on principal repayment.
This scheme supports MSMEs under the ‘Make in India’ initiative by offering soft loans for modernization and expansion.
Loan Size: Minimum ₹10 lakh for equipment and ₹25 lakh for others.
Repayment: Up to 10 years with a 3-year moratorium.
This scheme automates and digitizes the loan approval process, providing loans in principle within 59 minutes.
Loan Amount: ₹1 lakh to ₹5 crore.
Interest Rate: Starts at 8.5%.
Businesses must be IT-compliant and GST-registered (optional for certain loans). The process is fully online, ensuring quicker disbursements.
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