Loans & schemes
Funding routes for Indian MSMEs and startups
A starting map of major credit and grant schemes. Run a full evaluation to get a shortlist matched to your profile, with eligibility, documentation and links.
MUDRA / Banks
Pradhan Mantri Mudra Yojana (PMMY)
- Amount
- Up to ₹10 lakh
- Interest
- 8% – 12% (varies)
- Collateral
- Collateral-free
Eligibility
Non-corporate, non-farm micro/small enterprise — Shishu / Kishore / Tarun tiers.
SIDBI / Scheduled banks
Stand-Up India
- Amount
- ₹10 lakh – ₹1 crore
- Interest
- Base rate + 3% + tenor premium
- Collateral
- As per bank policy
Eligibility
SC/ST and women entrepreneurs setting up a greenfield enterprise.
Ministry of MSME + SIDBI
CGTMSE Credit Guarantee
- Amount
- Up to ₹5 crore
- Interest
- Bank lending rate
- Collateral
- Credit guarantee (no third-party collateral)
Eligibility
Micro & small enterprises in manufacturing or services.
DPIIT
Startup India Seed Fund Scheme
- Amount
- Up to ₹20 lakh (grant) / ₹50 lakh (convertible debt)
- Interest
- —
- Collateral
- None
Eligibility
DPIIT-recognised startups < 2 years old.
SIDBI
SIDBI Loans (PRAYAAS / SMILE)
- Amount
- ₹10 lakh – ₹25 crore
- Interest
- Competitive (SIDBI rates)
- Collateral
- As per scheme
Eligibility
MSMEs across manufacturing, services and trading.
KVIC / DICs / Banks
PMEGP
- Amount
- Up to ₹50 lakh (manufacturing) / ₹20 lakh (services)
- Interest
- Bank rate, with margin money subsidy
- Collateral
- As per bank policy
Eligibility
Individuals 18+, new micro-enterprise projects.