Ladakh MSME Scheme Directory

A financial assistance scheme for expansion and upgradation of existing PMEGP/REGP/MUDRA units for manufacturing and Service/Trading units from the year 2018-19. The scheme assists existing successful/well performing units for expansion and upgradation and caters to the need of entrepreneurs for bringing new technology/automation to modernize the existing unit.

ASPIRE aims to set up a network of Livelihood Business Incubators (LBIs) predominantly in rural and underserved areas to promote innovation and accelerate entrepreneurship. It focuses on generating employment in the agro-rural sector, skilling/upskilling unemployed and self-employed individuals, and providing skilled human capital to nearby industrial clusters. URL unverified at seed time.

Short Term Training Programme-SFURTI Program, launched by the All India Council for Technical Education (AICTE), aims to provide financial assistance to institutions for conducting faculty and student trainings to enable faculty members and students in the field of technical education. The scheme helps prepare faculty and students to impart their research work in the development of small-scale business for the nation. Conducted jointly by AICTE and Indian Micro Enterprises Development Foundation (IMEDF), it focuses on the Scheme of Fund for Regeneration of Traditional Industries (SFURTI).

The AICTE-LILAVATI AWARD is launched to recognize efforts being made by AICTE approved institutions to treat women with equality and fairness in all spheres of their lives. It provides opportunities to students and faculty from AICTE approved institutions to present solutions to gender discrimination issues including illiteracy, unemployment, economic and nutritional disparities, maternal mortality, and human rights. The award recognizes remarkable interventions in women empowerment across 8 sub-themes through video submissions (4-5 minutes duration).

The scheme provides financial assistance to training institutions under the Ministry of MSME for creation, strengthening and expansion of infrastructure, including setting up of new branches and centres. Assistance is also provided for meeting revenue deficit of the National Institute for Micro, Small and Medium Enterprises (NIMSME). The scheme supports skill development training, entrepreneurship training, and capacity building of training institutions and staff of District Industries Centres.

A sub-scheme under National Scheduled Caste and Scheduled Tribe Hub (NSSH) that provides reimbursement to SC/ST MSEs on bank charges paid to banks for issuance of Performance Bank Guarantee (PBG) in favor of buyer departments from where work has been awarded to such MSEs.

The Bank Loan Processing Fee Reimbursement Scheme provides financial assistance by reimbursing a substantial portion of the processing fees charged by financial institutions when SC/ST MSEs secure business loans. The scheme functions as a sub-component of the National Scheduled Caste and Scheduled Tribe Hub (NSSH) program. By alleviating the upfront financial burden of loan processing fees, the scheme aims to enhance access to capital for SC/ST MSEs, promote inclusive economic development, and strengthen entrepreneurial ecosystems.

BIG is a flagship scheme of BIRAC that recognizes and invests in innovative ideas in the biotech sector with clear potential to translate into commercial products/technologies. It supports individual entrepreneurs and start-ups from ideation to Proof of Concept (PoC) stage.

A scheme to develop private entrepreneurs for undertaking cattle and buffalo breeding through establishment of breed multiplication farms (BMF). The scheme provides 50% capital subsidy (limited to Rs. 2.00 Crore) to interested entrepreneurs for construction of cattle sheds, equipment, and procurement of elite breeding animals. Entrepreneurs will produce disease-free elite heifers using sexed semen or IVF technology and establish BMFs to serve as training centres for farmers and entrepreneurs.

A Suo-Moto Sub-Scheme under the Capacity Building for Service Providers (CBSP) umbrella scheme that provides financial assistance to institutes to conduct entrepreneurship development programmes in five trades: Cook-Tandoor, Barman, Baker, Homestay (Multi-Skilled Caretaker), and Halwai (Indian Sweets). The programme offers 150-hour courses with stipends, certification, and employment facilitation for eligible candidates.

A Suo-Moto Sub-Scheme under the Umbrella Scheme of Capacity Building for Service Providers (CBSP). Financial assistance is provided to selected institutes to conduct Skill Development Programmes targeting persons with limited means who need to acquire skills facilitative to employment in hospitality sector. Courses include Multi Cuisine Cook, Food & Beverage Service Steward, Room Attendant, Front Office Associate, Laundry Machine Operator, Kitchen Steward, Home Delivery Boy, and Traditional Snack & Savoury Maker.

CITUS is a component of Coir Vikas Yojana launched to provide modern infrastructure facilities to coir production units. It aims to improve productivity and quality, support establishment of state-of-the-art coir processing units, spread the industry to potential areas, promote enhanced utilization of raw materials, create employment opportunities especially for women in rural areas, attract new generation entrepreneurs, modernize existing units, promote IT/ERP installation, support high-value products, make the industry integrated and competitive, facilitate eco-friendly techniques, and achieve a pollution-free coir industry with technological advancements.

Central Sector Scheme implemented by Coir Board to improve export performance of Indian Coir Sector through export market promotion activities including sponsoring delegations, participation in seminars and conferences, organizing participation in international fairs, undertaking generic publicity abroad, extending financial assistance to Micro, Small and Medium Enterprises and Exporters, and presenting Coir Industry Awards annually to recognize outstanding performance in export, domestic trade, R&D, and functioning of units and societies.

Coir Vikas Yojana (CVY) is an Umbrella Scheme being implemented by Coir Board for the Development of Coir Industry all over the country. It covers sub-schemes including Science & Technology (R&D), Skill Upgradation and Mahila Coir Yojana, Export Market Promotion, Domestic Market Promotion, Trade and Industry Related Functional Support Services, and Welfare Measures for coir workers.

Micro finance scheme to provide prompt and need-based micro finance to eligible scheduled caste persons at a reasonable interest rate through NBFC-MFIs to pursue small/micro business activities. Financial assistance up to 90% of project cost of Rs. 1,40,000 for small income-generating activities.

A micro finance scheme for entrepreneurs of Scheduled Caste Category providing financial assistance up to Rs. 1,40,000 for small income generating activities at concessional interest rates.

A loan scheme by Ministry of Social Justice and Empowerment for entrepreneurs of Scheduled Caste Category. NSFDC provides term loan up to 95% of the cost of project with tiered interest rates based on loan amount and repayment period up to 10 years.

Scheme to encourage and promote entrepreneurship among Scheduled Castes oriented towards innovations and growth technologies by providing Credit Enhancement Guarantee (minimum Rs.15 million and maximum Rs.500 million) against Working Capital Loans, Term Loans or Composite Term Loans granted by Member Lending Institutions (MLIs) to SC entrepreneurs.

The Credit Guarantee Fund Scheme for Startups (CGSS) is a central government scheme administered by DPIIT (Department for Promotion of Industry and Internal Trade) and operationalised through NCGTC (National Credit Guarantee Trustee Company). It provides credit guarantees to Member Lending Institutions (MLIs) for loans extended to DPIIT-recognised startups, enabling them to access formal credit without collateral. The guarantee cover ranges from 75% to 85% of the loan amount, with maximum guarantee per startup capped at ₹10 crore. This scheme helps startups, including MSME-stage startups, overcome the challenge of lack of collateral and credit history when seeking institutional finance.

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) was jointly set up by the Ministry of Micro, Small and Medium Enterprises (MoMSME), Government of India and Small Industries Development Bank of India (SIDBI) in August 2000 to implement the Credit Guarantee Scheme (CGS). The scheme provides collateral-free credit guarantees to Member Lending Institutions (MLIs) — including scheduled commercial banks, RRBs, select NBFCs and Small Finance Banks — for loans extended to eligible Micro and Small Enterprises (MSEs) up to ₹10 crore per borrower (enhanced from ₹5 crore effective April 1, 2025). CGTMSE removes the bottleneck of collateral/third-party guarantee requirement, enabling first-generation entrepreneurs and existing MSEs to access formal credit.

DAY-NRLM is the flagship program of the Ministry of Rural Development for promoting poverty reduction through building strong institutions for the poor, particularly women, and enabling these institutions to access a range of financial services and livelihoods. The scheme covers 7 Crore rural poor households across 600 districts, 6000 blocks, 2.5 lakh Gram Panchayats and 6 lakh villages through self-managed Self Help Groups (SHGs) and federated institutions, supporting them for livelihoods collectives over 8-10 years.

Design scheme helps MSMEs avail advice on all aspects of design through design consultants and experienced designers. It facilitates development of new design strategies, design-related products, and new product development as well as enhancing existing product portfolio. The scheme is divided into two major parts: Design Projects (providing financial assistance for design interventions and consultancy) and Design Awareness Programme (creating awareness about the value of design through seminars, talks, workshops).

The Digital MSME Scheme aims to make MSMEs digitally empowered by motivating them to adopt Information and Communication Technology (ICT) tools and cloud-based applications in their production and business processes. Implemented under the MSME Champions umbrella by the Office of the Development Commissioner (MSME), it offers subsidised access to cloud computing services, ERP, CRM, and other ICT applications to registered MSMEs. The scheme covers all MSMEs registered under the MSMED Act 2006 (as amended) and those included via executive orders by the Office of the DC (MSME). Service providers empanelled by DC (MSME) deliver cloud-based ICT solutions at subsidised rates, with the government reimbursing the subscription cost directly to the service provider. It is an ongoing component of the MSME Champions Scheme aimed at improving MSME competitiveness in national and international markets.

The scheme 'Empowering Youth for Undertaking Value Added Innovative Translational Research (E-YUVA)' was started by the Biotechnology Industry Research Assistance Council (BIRAC) to promote a culture of applied research and need-oriented (societal or industry) entrepreneurial innovation among young students and researchers. BIRAC's Innovation Fellows are expected to initiate biotech startups with proposals having the potential to commercialize innovative products and technologies.

The Entrepreneurship and Skill Development Programme (ESDP) is organized regularly to nurture the talent of youth by enlightening them on various aspects of industrial/business activity required for setting up MSMEs. The programme conducts activities for youth and other people interested in setting up their own industrial/self-employment venture through various modules including Entrepreneurship Awareness Programme (EAP), Entrepreneurship-cum-Skill Development Programme (E-SDP), and Management Development Programme (MDP), both basic and advanced levels.

This programme aims to tap the expertise available in the large pool of Agriculture graduates and create gainful self-employment opportunities for unemployed agricultural graduates, agricultural diploma holders, intermediate in agriculture and biological science graduates, with PG in agri-related courses. The scheme provides full financial support for training and handholding, provision of loans, and credit-linked back-ended composite subsidy. A 45 days specialized training is provided by selected institutes across the country.

A sub-scheme under National Scheduled Caste and Scheduled Tribe Hub (NSSH) scheme that provides reimbursement to SC/ST Micro & Small Enterprises (MSEs) on annual membership subscription fees, one-time subscription charges, or entry fees charged by various Export Promotion Councils (EPCs).

The Feed and Fodder Entrepreneurship Scheme aims to establish an effective seed production chain, build capacity of state functionaries and livestock owners in forage production, conservation and utilization, and establish convergence among ongoing programmes for fodder resource development. The scheme provides 50% direct capital subsidy to beneficiaries for establishing feed and fodder enterprises and 100% subsidy on fodder seed production. It supports procuring machinery like Bailers, Block making machines, TMR machines, and Forage Harvesters.

This scheme provides financial assistance to dramatic groups, theatre groups, music ensembles, children's theatre, and all genres of performing arts activities to promote the Guru-Shishya Parampara tradition. Assistance is provided monthly to Gurus/Directors and Shishyas/Artists based on their age group and category.

GOBARdhan was launched by the Ministry of Drinking Water & Sanitation in April 2018 as part of the Solid and Liquid Waste Management component under the Swachh Bharat Mission (Grameen) to positively impact village cleanliness and generate wealth and energy from cattle and organic waste. The scheme supports villages in effectively managing their cattle waste, agricultural waste/residue, and all other organic waste. It promotes the conversion of organic waste (especially cattle dung) to wealth through the generation of manure and energy, creating livelihood opportunities and enhancing income of farmers and rural people. The scheme involves entrepreneurs, SHGs, and Youth Groups in the setting up and operation of biogas plants.

Government e-Marketplace (GeM) is the official public procurement portal of the Government of India, managed by the Ministry of Commerce and Industry. It enables MSME sellers and service providers to register and directly supply goods and services to Central and State Government ministries, departments, PSUs, and autonomous bodies. Registration is free and open to proprietorships, partnerships, private limited companies, LLPs, and cooperatives. MSMEs receive special benefits including price preference, exemption from Earnest Money Deposit (EMD), and visibility through Udyam-linked MSME filters on the portal. GeM facilitates transparent, efficient, and paperless government procurement with end-to-end digital processes.

iDEX is an operational framework that provides grants up to Rs. 1.50 Crore (up to Rs. 10 Crore in case of iDEX Prime) to Start-ups/MSMEs to fund projects in many technological areas under Defence India Start-up Challenges (DISC) and Open Challenge through the Support for Prototype and Research Kick start (SPARK Framework). The scheme fosters innovation and technology development in Defence and Aerospace sectors and provides a path to procurement for the Armed Forces.

The scheme provides comprehensive support for people belonging to various tribes in the entire range of production, product development, reservation of traditional heritage, support to both forest and agricultural produce of tribal people, support to Institutions to carry the above activities, provision of better infrastructure, development of designs, dissemination of information about price and the agencies which are buying the products, support to Government agencies for sustainable marketing and thereby ensure a reasonable price regime.

Intellectual Property Right Scheme offers legal and intellectual property filing support including patents, trademarks, copyrights, designs, geographical indications (GI) etc. The programme also provides IP advisory, consultation, Patentability Searches, Technology Gap Analyses and IP commercialisation through the establishment of Intellectual Property Facilitation Centres (IPFCs) across the country.

The scheme aims to build capacity of MSMEs for entering export market by facilitating their participation in international exhibitions/fairs/conferences/seminars/buyer-seller meets abroad, providing actionable market-intelligence and reimbursement of various costs involved in export of goods and services. Covers three sub-components: Sub-Component-I (Market Development Assistance of MSMEs - MDA), Sub-Component-II (Capacity Building of First Time MSE Exporters - CBFTE), and Sub-Component-III (Framework for International Market Intelligence Dissemination - IMID).

The scheme aims to capacity build MSMEs for entering the export market by facilitating their participation in international exhibitions/fairs/conferences/seminars/buyer-seller meets abroad as well as providing them with actionable market-intelligence and reimbursement of various costs involved in export of goods and services. The scheme provides financial assistance for Registration-cum-Membership Certificate (RCMC) paid by first-time exporters for registration with EPCs, export insurance premiums paid by MSEs, and fees paid on testing and quality certification acquired by MSEs to export products.

The scheme aims to capacity build MSMEs for entering the export market by facilitating their participation in international exhibitions/fairs/conferences/seminars/buyer-seller meets abroad as well as providing them with actionable market-intelligence and reimbursement of various costs involved in the export of goods and services. The scheme covers participation in international events, organizing international conferences/seminars in India and abroad, and providing market development assistance through both physical and virtual mediums.

Under this sub-component, incidental costs viz. Registration cum Membership certification (RCME), Export Insurance Premium, and Quality certification are reimbursed to first time MSE Exporters. The Ministry signed MoUs with 18 Export Promotion Councils (EPCs), ECGC and NSIC as implementing agencies.

JRCPC will be set up in local clusters/localities across the country in collaboration with bonafide Agencies who have adequate experience in training/skilling programs and required training cum-production infrastructure. The scheme aims to spread Jute Diversification Programs, provide training, designing, production, raw material and market support to artisans, entrepreneurs, Women Self Help Groups, NGOs, members of Cooperative Societies, Trusts etc. to help them set up JDP production units.

Khadi Gramodyog Vikas Yojana is an umbrella scheme to increase productivity and wages of Khadi Artisans, improve infrastructure for Khadi production, develop village industries, revive traditional skills of rural artisans, renovate and modernize sales outlets, and promote marketing and exports. It comprises two main sub-schemes: Khadi Vikas Yojana and Gramodyog Vikas Yojana. URL unverified at seed time.

A general term loan scheme for Safai Karamchari, Manual Scavengers, and their dependents aged 18 years and above. Provides term loans up to 90% of unit cost with a maximum of Rs. 15.00 lacs at 6% interest rate for any viable income generating schemes including sanitation-related activities. Repayment period up to 10 years after 4 months implementation period and 6 months moratorium from date of loan disbursement.

A contributory loan scheme for individual beneficiaries/self help groups of Liberated Safai Karamchari, Manual Scavengers and their dependants aged 18 years and above, for setting up Sanitary Marts (SM), which are one-stop-shops for all things for sanitation and hygiene. Term loans are extended through State Channelising Agencies (SCA), Regional Rural Banks (RRBs), and Nationalised Banks to the target group.

A general term loan scheme for Safai Karamchari, Manual Scavengers, and their dependants aged 18 years and above for procurement of sanitation-related vehicles and viable income-generating schemes. Term loans are extended through State Channelising Agencies (SCA), Regional Rural Banks (RRBs), and Nationalised Banks.

Mahila Samriddhi Yojana (MSY) is a microfinance scheme aimed to benefit women entrepreneurs from backward backgrounds or poor backgrounds. The scheme provides micro-finance to women entrepreneurs either directly or through Self-Help Groups (SHGs) to encourage entrepreneurship and financial independence.

To support the sustainability and growth of MSEs by addressing common issues such as improvement of technology, skills & quality, market access, etc. To create/upgrade infrastructural facilities in the new/existing Industrial Areas/Clusters of MSEs. To set up Common Facility Centres for testing, training, raw material depot, effluent treatment, complementing production processes, etc. Promotes green & sustainable manufacturing technology for clusters.

Mission Solar Charkha is a pilot project that envisages setting up of Solar Charkha Clusters in focal villages and surrounding villages within a radius of 8-10 kilometres. Each cluster will have 200-2042 beneficiaries (spinners, weavers, stitches, and other skilled artisans). The scheme aims to generate direct employment of nearly one lakh persons across 50 approved clusters with a budget of 550 crores for 2018-19 and 2019-20.

MSME Champions Scheme is formulated through Standing Finance Committee (SFC) by merging all 6 components of erstwhile Credit Linked Capital Subsidy and Technology Upgradation Scheme (CLCS-TUS) for a period of 5 years (2021-22 to 2025-26). It promotes competitiveness amongst MSMEs through wastage reduction via Lean Manufacturing, Design improvement, Intellectual Property Rights awareness, Zero Defect Zero Effect (ZED), digital empowerment, and Incubation. It is a holistic approach to unify, synergize and converge various schemes to modernize processes, reduce wastages, sharpen business competitiveness and facilitate National and Global reach. Components: 1) MSME-Sustainable (ZED), 2) MSME-Innovative (Incubation, IPR, Design), 3) MSME-Competitive (Lean), 4) Digital MSME (yet to be launched).

The MSME Competitive (Lean) Scheme aims to enhance the domestic and global competitiveness of MSMEs through the application of various Lean Techniques, including reduction in rejection rates, product and raw material movements and product cost; optimization of space utilization and resources; and enhancement of quality, production, export capabilities, workplace safety, knowledge, skill set, innovative work culture, social and environmental accountability, profitability, Industry 4.0 awareness, and digital empowerment.

MSME Innovative is a holistic approach to unify, synergize and converge 3 sub-schemes: Incubation, Design intervention, and IPR protection. It promotes all forms of innovations in the complete value chain, provides facilities for concept-to-market development, design competitiveness, and protection and commercialization of intellectual creations of the MSME sector.

MSME Samadhaan is an online Delayed Payment Monitoring System launched by the Ministry of MSME on October 30, 2017, under the provisions of Sections 15–24 of the MSMED Act, 2006. It enables micro and small enterprises (MSEs) with a valid Udyam Registration to file online applications against buyers who have not made payment within 45 days of acceptance of goods or services. Filed complaints are automatically forwarded to the concerned Micro and Small Enterprise Facilitation Council (MSEFC) of the respective State/UT for adjudication within 90 days. The buyer is liable to pay compound interest at three times the RBI bank rate on the overdue amount. All 37 States/UTs have constituted MSEFCs and the portal makes pending cases visible to Central Ministries, Departments, CPSEs, and State Governments for proactive action.

The ZED Certification envisages promotion of Zero Defect Zero Effect (ZED) practices amongst MSMEs to encourage manufacturing of quality products using latest technology, develop an ecosystem for ZED Manufacturing, promote adoption of ZED practices, and increase public awareness on demanding Zero Defect and Zero Effect products.

An extensive drive to create awareness amongst MSMEs about Zero Defect Zero Effect (ZED) practices and motivate and incentivize them for ZED Certification while encouraging them to become MSME Champions. The scheme promotes quality manufacturing, environmental consciousness, waste reduction, and enhanced competitiveness.

The MSME Trade Enablement and Marketing (TEAM) Initiative is a sub-scheme under the Raising and Accelerating MSME Performance (RAMP) scheme with a total outlay of Rs.277.35 crore for FY 2024-2027. It leverages the Open Network for Digital Commerce (ONDC) ecosystem to onboard Micro and Small Enterprises onto e-commerce platforms, reducing the burden of building independent digital infrastructure. The scheme targets 5 lakh MSEs of which at least 50% must be women-owned enterprises, and is implemented through the National Small Industries Corporation (NSIC). Seller Network Participants (SNPs) registered on ONDC assist MSMEs with onboarding, digital training, and market expansion support. Eligible enterprises receive onboarding support, multilingual e-commerce access (Hindi and English initially), and integration with platforms like MSME Global Mart and e-Khadi Portal.

MUDRA Loan - Tarun Plus is a new fourth category introduced under the Pradhan Mantri MUDRA Yojana (PMMY) in Budget 2024-25, providing collateral-free loans between Rs.10 lakh and Rs.20 lakh to micro and small entrepreneurs. It is exclusively available to borrowers who have previously availed and successfully repaid loans under the Tarun category (up to Rs.10 lakh). The scheme is administered by MUDRA (Micro Units Development and Refinance Agency) through scheduled commercial banks, regional rural banks, small finance banks, and MFIs. It aims to support the expansion and growth of existing micro enterprises across manufacturing, trading, and service sectors. Loans are covered under the Credit Guarantee Fund for Micro Units (CGFMU) managed by NCGTC.

A dedicated skill development program aimed at providing high-quality vocational training with a focus on Persons with Disabilities (PwDs). Launched in March 2015, this Central Sector Scheme operates as part of the Umbrella Scheme SIPDA. The scheme provides both short-term and long-term vocational/skill training through a network of skill training partners including government, public sector, training institutions, and non-governmental organizations. Additionally, mentorship projects to promote self-employment among PwDs are developed in collaboration with industrial confederations and domain experts.

A component/sub-scheme under the National Handicrafts Development Programme that provides assistance for setting up emporia in commercially viable locations. These emporia serve as marketing platforms for local handicrafts artisans in their respective areas through retail outlets.

The scheme aims to set up permanent marketing infrastructure in towns and metropolitan cities to provide direct marketing facilities to handicrafts artisans and handloom weavers. The Urban Haat will be constructed in an area of not less than 8,000 sq. m. with a display gallery, food court, and 50-80 stalls allotted to artisans on a rotational basis for nominal rent. The scheme enables artisans to sell products year-round to a wider target audience.

The Research & Development Scheme is a component of the Umbrella Scheme 'National Handicrafts Development Programme (NHDP)' introduced to generate feedback on the economic, social, aesthetic, and promotional aspects of various crafts and artisans in the handicraft sector. The scheme sponsors surveys, studies, workshops, seminars, and conferences to generate suitable inputs for planning purposes and sensitize artisans on latest developments in the handicrafts sector.

A component of the National Handloom Development Programme (NHDP) launched by the Ministry of Textiles, Government of India. The scheme aims to provide adequate and timely assistance from banks to the handloom sector to meet credit requirements for term loans and working capital in a flexible and cost-effective manner across the country.

A voluntary and contributory pension scheme meant for old age protection and social security of Small Scale Traders and Retailers. The beneficiary receives a minimum assured pension of ₹3,000 per month after attaining the age of 60 years. If the beneficiary dies, the spouse is entitled to receive 50% of the pension as a family pension.

National Scheduled Caste and Scheduled Tribe Hub (NSSH) was launched by the Prime Minister in October 2016 to provide professional support to SC/ST entrepreneurs to fulfill obligations under the Central Government Public Procurement Policy for Micro and Small Enterprises Order 2012, adopt applicable business practices and leverage Stand-Up India initiatives. URL unverified at seed time.

The National Startup Awards recognize and reward outstanding startups and ecosystem enablers that are building innovative products or solutions and scalable enterprises, with high potential of employment generation or wealth creation, demonstrating measurable social impact. Awards are conferred across 20 categories.

Annual awards recognizing and celebrating technological innovation and excellence in commercialization of indigenous technologies across various categories including Main, MSME, Start-up, Translational Research, and Technology Business Incubators. Presented on National Technology Day (May 11th).

A general loan scheme for Indian citizens from backward classes (OBC) for various income-generating activities including Agriculture and Allied Activities, Small Business/Artisan & Traditional Occupation, Transport Sector & Service Sector, and Technical & Professional Trades/Courses. Loan up to ₹15 Lakh per beneficiary.

A term loan scheme for women entrepreneurs from backward classes to obtain a loan of up to ₹2,00,000 @ 5% per annum, thereby providing them social & financial security. The scheme is introduced by National Backward Classes Finance and Development Corporation (NBCFDC) and implemented by State Channelising Agencies (SCAs).

The NSIC Raw Material Assistance Scheme helps Micro, Small and Medium Enterprises (MSMEs) procure both indigenous and imported raw materials through short-term credit support. Under the scheme, NSIC makes direct payment to raw material suppliers on behalf of MSMEs against the security of a Bank Guarantee, eliminating upfront capital strain on the enterprise. Single MSME units can avail credit up to ₹5 crore, while groups of manufacturing MSME units can avail up to ₹15 crore. The credit period is typically up to 180 days and is repayable within 90 days (extendable on request). The scheme enables MSMEs to focus on manufacturing quality products rather than managing supplier payment logistics.

The NSIC Single Point Registration Scheme (SPRS) enables Micro and Small Enterprises to register with the National Small Industries Corporation for participation in government procurement. Registered units benefit from the Public Procurement Policy for MSEs, which mandates that Central Ministries, Departments, and PSUs procure a minimum 25% of their annual purchases from MSEs, with 4% earmarked for SC/ST-owned units and 3% for women-owned units. SPRS-registered MSEs enjoy exemption from payment of Earnest Money Deposit (EMD), receive tender documents free of cost, and can avail price preference in government tenders. Additionally, 358 items are exclusively reserved for procurement from the MSE sector, making SPRS certification a critical gateway to government market access for small enterprises.

The Performance and Credit Rating (PCR) Scheme for Micro and Small Enterprises, implemented by the Ministry of MSME through NSIC, enables MSEs to obtain an independent third-party credit and performance rating from SEBI-registered, RBI-empanelled agencies such as CRISIL, CARE, ICRA, India Ratings, ONICRA, SMERA, and Dun & Bradstreet. The scheme subsidises 75% of the rating fee (subject to turnover-based caps of ₹25,000 to ₹40,000) reimbursable through NSIC, making professional credit ratings accessible and affordable for small enterprises. A credible rating enables MSEs to secure loans at better interest rates, gain recognition in global trade, and helps buyers and vendors assess their capability and creditworthiness. The rating covers operational, financial, business, and management risk on a uniform scale across all empanelled agencies.

PM Employment Generation Programme (PMEGP) is a flagship credit-linked subsidy scheme launched in 2008 by the Ministry of MSME, implemented through KVIC (Khadi and Village Industries Commission) as the nodal agency at the national level. It supports new self-employment micro enterprises in both rural and urban areas by providing margin money subsidy of 15% to 35% of the project cost, depending on the beneficiary category and location. General category beneficiaries receive 15% subsidy in urban areas and 25% in rural areas, while special categories (SC/ST/OBC/Women/Minorities/Ex-Servicemen/PwD/NER) receive 25% in urban and 35% in rural areas. Maximum eligible project cost is ₹50 lakh for manufacturing and ₹20 lakh for service sector units. The scheme is implemented through KVIC, State Khadi and Village Industries Boards (KVIB), and District Industries Centres (DIC) in a 30:30:40 ratio.

PM SVANidhi (PM Street Vendor AtmaNirbhar Nidhi) is a Central Government scheme launched in June 2020 under the Ministry of Housing and Urban Affairs to provide affordable collateral-free working capital loans to urban street vendors. The Union Cabinet restructured and extended the scheme on August 27, 2025, with the lending period extended until March 31, 2030 and a total outlay of Rs.7,332 crore. The restructured scheme offers first-tranche loans up to Rs.15,000, second-tranche loans up to Rs.25,000, and third-tranche loans up to Rs.50,000, along with a UPI-linked RuPay Credit Card for timely repayers. It also provides 7% per annum interest subsidy, digital cashback incentives, financial literacy support, and linkages to social security schemes through SVANidhi se Samriddhi, targeting 1.15 crore beneficiaries including 50 lakh new beneficiaries.

PM Vishwakarma Scheme is a Central Sector Scheme launched on 17 September 2023 to provide end-to-end support to artisans and craftspeople who work with their hands and tools across 18 traditional trades. The scheme offers recognition via a PM Vishwakarma certificate and ID card, skill training (basic 5–7 days and advanced 15 days), a toolkit incentive of ₹15,000, collateral-free enterprise development loans (₹1 lakh in Tier-1 and ₹2 lakh in Tier-2 at 5% concessional interest), digital transaction incentives, and marketing support through quality certification, branding, and GeM onboarding. The scheme runs from FY 2023-24 to FY 2027-28 with a total outlay of ₹13,000 crore.

A credit linked subsidy program for setting up new micro-enterprises in the non-farm sector. The scheme aims to provide financial assistance to set up self-employment ventures and generate sustainable employment opportunities in rural as well as urban areas. Margin Money subsidy ranges from 15% to 35% of project cost for projects up to Rs. 50 Lakh in Manufacturing sector and Rs. 20 Lakh in the Service sector.

The scheme aims to promote new market access initiatives like organizing/participation in National/International Trade Fairs/Exhibitions/MSME Expo, and to create awareness and educate MSMEs about packaging, modern packaging technology, import-export policy and procedure, GeM portal, MSME Conclave, and latest developments in international/national trade. Scheme components include Market Access, Capacity Building, and Development of Retail Outlets for GI Products.

The PLI Scheme aims to boost domestic manufacturing, investments and export in the telecom and networking products sector. It provides financial incentives to companies manufacturing specified telecom and networking products in four product categories: Core Transmission Equipment, 4G/5G/Next Generation RAN and Wireless Equipment, Access & CPE/IoT Access Devices and Other Wireless Equipment, and Enterprise Equipment (Switches and Routers). The scheme is implemented over 5 years with a total outlay of ₹12,195 Crores, of which ₹2,500 Crores is allocated for MSMEs.

Raising and Accelerating MSME Performance (RAMP) is a World Bank-supported Central Sector Scheme launched on 30 June 2022 by the Prime Minister, implemented by the Ministry of Micro, Small and Medium Enterprises (MoMSME) over the five-year period 2022-23 to 2026-27. With an outlay of ₹6,062.45 crore (of which ₹3,750 crore is World Bank loan), RAMP aims to improve the competitiveness of MSMEs by enhancing market and credit access, strengthening central and state-level institutions, fostering innovation, promoting greening initiatives, scaling up credit guarantees for women-owned enterprises, and addressing delayed payment issues. It supports states in preparing Strategic Investment Plans (SIPs) and disburses grants through Disbursement Linked Indicators (DLIs). The scheme targets improving performance of 5.55 lakh MSMEs across India.

The Self Reliant India (SRI) Fund is an Alternative Investment Fund (AIF) established through NSIC Venture Capital Fund Limited (NVCFL) with a Mother Fund-Daughter Fund structure. It aims to provide growth capital to viable MSMEs through equity, quasi-equity, and debt instruments. The fund has a total corpus of INR 10,000 crore contributed by Government of India through M/o MSME, with a fund life of 15 years. It supports MSMEs with a positive growth trajectory to achieve faster growth, graduate beyond the MSME bracket, and help make India self-reliant. URL unverified at seed time.

SIDBI SMILE (SIDBI Make in India Loan for Enterprises) is a direct loan scheme by SIDBI (Small Industries Development Bank of India) that provides soft loans and term loans to Micro, Small and Medium Enterprises engaged in manufacturing and services. The scheme supports new as well as existing enterprises with concessional interest rates, lower collateral norms, and extended repayment periods. Loan amounts range from ₹10 lakh to ₹25 crore, making it suitable for equipment purchase, capacity expansion, and working capital needs. The scheme specifically targets the Make in India initiative by promoting domestic manufacturing and service sector growth among MSMEs.

A scheme for financing SC/ST and/or Women Entrepreneurs by facilitating bank loans for setting up a greenfield project enterprise in manufacturing, services, trading sector and activities allied to agriculture. The objective is to facilitate bank loans between Rs. 10 lakh and Rs. 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. In case of non-individual enterprises, at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman entrepreneur.

The Technology Development & Utilization Programme for Women (TDUPW) has been formulated by the Department of Scientific and Industrial Research (DSIR) to meet the specific needs of women and enhance their contribution towards technology capability building. The scheme provides assistance for projects relevant to technology development and utilization by women, including promotion of new technologies, awareness creation, training, technological upgradation of women-led enterprises, and design of products/processes beneficial to women.

Technology Development Fund (TDF) has been established to promote self-reliance in Defence Technology as a part of the 'Make in India' initiative. It is a programme of the Ministry of Defence executed by the Defence Research & Development Organisation (DRDO) to meet the requirements of the Tri-Services, Defence Production and DRDO. The Scheme encourages participation of public/private industries, especially MSMEs and startups, so as to create an ecosystem for enhancing cutting-edge technology capability in the defence sector.

The Telecom Technology Development Fund (TTDF) aims to bridge the digital divide by developing and manufacturing state-of-the-art telecom technologies for rural and remote areas. The scheme provides funding for R&D and commercialization of telecom products, solutions, and use cases. An allocation of 5% of annual collections from the Universal Service Obligation Fund (USOF) is available for funding R&D in the Telecom sector, starting with funds collected in the financial year 2021-22.

A financial assistance program offered to micro and small enterprises (MSEs) owned by Scheduled Castes (SCs) and Scheduled Tribes (STs) in India. The scheme aims to reduce the financial burden of quality testing for SC/ST MSEs, helping them improve product quality and compete effectively. It provides reimbursement on testing fees charged by NABL or BIS accredited laboratories across the country.

Tool Rooms and Technical Institutions (Technology Centres) scheme supports integrated development of relevant industry sectors to help MSMEs. 18 MSME Tool Rooms and Technical Institutions are established PAN India serving sectors like General Engineering, foundry & forging, electronics, fragrance, glass, sports goods and footwear. They provide tooling facilities, training programmes (school dropout to M.Tech level), process and product development, consultancy and job works, skilling and re-skilling of youth. Established from 1967 to 1999, these centres support Design, Development and Manufacturing of Tools, Dies, Moulds, Jigs & Fixtures. They also support strategic sectors such as Defence and Aerospace.

TReDS (Trade Receivables Discounting System) is an RBI-regulated electronic platform that enables MSMEs to discount their trade receivables — invoices and bills of exchange — against corporate buyers, government departments, and PSUs through multiple competing financiers. It was launched by RBI in 2014 and provides MSMEs faster access to working capital at competitive interest rates, reducing the cash flow burden caused by delayed payments. As per the Ministry of MSME Gazette Notification S.O.-4845E dated November 7, 2024, all companies with annual turnover exceeding ₹250 crore and all Central Public Sector Enterprises (CPSEs) are mandated to onboard TReDS platforms. Five RBI-registered TReDS platforms currently operate in India: RXIL, M1xchange, Invoicemart, CREDLIX, and C2TREDS. MSME sellers (micro, small, and medium enterprises as defined under MSMED Act, 2006) are eligible to participate as sellers on the platform.

The Udyam Assist Platform (UAP), launched on January 11, 2023 by the Ministry of MSME and implemented by SIDBI, facilitates formalisation of Informal Micro Enterprises (IMEs) that lack GSTN or Income Tax Return filings and are therefore ineligible for regular Udyam Registration. UAP enables such enterprises to obtain a digitally generated Udyam Assist Certificate, which the Reserve Bank of India (vide circular dated May 9, 2023) has confirmed is treated at par with the Udyam Registration Certificate for Priority Sector Lending (PSL) classification by banks and NBFCs. Registered IMEs gain access to formal credit channels, government MSME scheme benefits, and recognition as micro enterprises under the MSME framework. The platform crossed 1.5 crore registrations by early 2024, making it one of the largest MSME formalisation drives in India.

Udyam Registration is the official government recognition certificate for MSMEs in India, issued free of cost through a fully online, paperless, self-declaration-based process at udyamregistration.gov.in. Upon registration, businesses receive a unique Udyam Registration Number (URN) and certificate that is permanent — no renewal required. Registered MSMEs gain access to a wide range of benefits: (1) Priority Sector Lending — banks are mandated to lend to MSMEs under priority sector norms; (2) Collateral-Free Loans — access to Credit Guarantee Fund Trust for MSEs (CGTMSE) for loans up to ₹10 crore without pledging assets; (3) Delayed Payment Protection — buyers must pay MSMEs within 45 days under the MSMED Act, with interest liability on default; (4) Government Procurement Preference — 25% of all Central Government procurement must be from MSEs, with 3% reserved for women-owned enterprises; (5) Credit Linked Capital Subsidy Scheme (CLCSS) — technology upgradation subsidy; (6) Lower electricity tariffs; (7) Protection against delayed payments via MSME Samadhaan portal; (8) Access to all MSME ministry schemes, subsidies, and incentives. Registration is based on self-declaration using Aadhaar and PAN — no inspector visits, no fees.

A program launched by the Ministry of Minority Affairs, Government of India, in 2015 to preserve the rich heritage of traditional arts and crafts of minorities and to provide employment opportunities to minority youth in these sectors. Master craftsmen and artisans are provided with training to upgrade their skills and become trainers. They then train minority youth in traditional arts and crafts. The scheme provides support for market linkages development.

The Yarn Supply Scheme aims to make available all types of yarn at Mill Gate Price to eligible handloom weavers to facilitate a regular supply of basic raw materials to the handloom sector and help utilize the full employment potential of the sector. The scheme has three components: (i) Supply of yarn at Mill Gate Price (ii) 10% Price Subsidy on cotton hank yarn, domestic silk, and wool; and (iii) Investment in NHDC.

The MSME Sustainable (ZED) Certification Scheme, launched in 2016 by the Ministry of MSME, is an integrated certification system that promotes Zero Defect Zero Effect manufacturing amongst MSMEs. The scheme encourages MSMEs to adopt quality practices, energy efficiency, and environmentally sound processes. It offers certification at Bronze, Silver, and Gold levels, with subsidies of up to 80% on certification costs for micro enterprises (max ₹7 lakh). Women-led MSMEs receive free certification. The ZED certificate is valid for three years and covers productivity, quality, pollution mitigation, energy efficiency, financial status, HR, and technological depth.