Every scheme an Indian manufacturer can use
94 verified schemes for factories & MSME production — loans, grants, subsidies, certifications, training and market-access programs from central & state governments, PSU banks, private NBFCs and major marketplaces. Matched to your manufacturing sector, state and business type.
94 of 94 schemes
Mutual Credit Guarantee Scheme for MSMEs (MCGS-MSME)
60% government guarantee on machinery loans up to ₹100 crore — no collateral for the guaranteed part
SITP — Integrated Textile Parks
Up to Rs. 40 Cr cluster grant for integrated textile infrastructure
MSE-CDP — Cluster Development Programme
Up to ₹15 Cr cluster infrastructure for MSE clusters
CGTMSE — Collateral-Free Credit
Bank loan up to ₹10 crore without collateral — Government of India guarantees the lender
Bihar Industrial Investment Promotion 2025
Up to ₹5 Cr capital subsidy for Bihar manufacturing
ECLGS — Emergency Credit Line Guarantee
100% credit guarantee on additional working capital for MSMEs
PSB Loans in 59 Minutes
In-principle MSME loan approval in 59 minutes (Rs. 1L–Rs. 5 Cr)
TN Industrial Investment Promotion (TIIPP)
Investment subsidy + GST refund for large MSME expansions
SFURTI — Traditional Industry Cluster
Up to ₹3 Cr per cluster for traditional industries
SBI Stree Shakti Package
0.5% interest concession for women entrepreneurs
Lendingkart — Invoice & Working Capital
Collateral-free working capital up to Rs. 2 Cr in 72 hours
Stand-Up India
Bank loan ₹10L to ₹1 Cr for SC/ST/women entrepreneurs
Razorpay Capital — Cashflow-based Loans
Working capital based on payment processing volume
ASPIRE — Rural Innovation & Entrepreneurship
Up to Rs. 1 Cr for Livelihood Business Incubators
Rajasthan Investment Promotion Scheme
Up to 75% SGST refund + capital subsidy for RJ units
Tamil Nadu MSME Policy 2021
Up to Rs. 75L combined incentives for TN micro & small units
Kinara Capital — Collateral-Free MSME Loans
Collateral-free term loans up to Rs. 50 lakh for manufacturing
Axis Bank MSME Business Loan
Up to Rs. 50 lakh business loan with CGTMSE coverage
Maharashtra MSME Policy 2022
Up to 25% capital subsidy + interest reimbursement for Maharashtra MSMEs
Gujarat iNDEXTb Industrial Policy
12% capital + 7% interest subsidy for Gujarat MSMEs
Karnataka New Industrial Policy 2025
15-30% capital subsidy + interest reimbursement
UP MSME Industrial Investment Policy
Capital subsidy + interest subsidy for new UP units
HDFC Bank SmartUp
Bank-led MSME credit + startup banking + cashflow APIs
NHFDC — Disability Concessional Credit
Concessional loans up to Rs. 50 lakh for PwD entrepreneurs
West Bengal Industrial Policy 2025
25% capital subsidy + Silpa Sathi single-window in WB
Haryana Enterprises & Employment Policy 2025
Up to 25% capital subsidy + ₹5L/employee training reimbursement
Punjab Industrial Policy 2022
50% interest subsidy + employment generation subsidy in Punjab
Chhattisgarh Industrial Policy 2024-29
Up to 50% capital subsidy for backward districts in CG
Jharkhand Industrial Investment Promotion 2022
Capital subsidy + transport subsidy for Jharkhand units
Kerala MSME Industrial Policy 2024
35% subsidy for women-led + KSIDC industrial corridor
APEDA Agri & Processed Food Export Schemes
Subsidies + market access for agri product exports
NSTFDC — Scheduled Tribes Microcredit
Concessional loans up to Rs. 50 lakh for ST entrepreneurs
PMEGP — Prime Minister Employment Generation
15–35% capital subsidy for new enterprises
MP MSME Development Policy 2023
30% capital subsidy for micro units in MP
Gujarat Solar Power Policy — MSME
Rooftop solar with net metering + capital subsidy
ATUFS — Technology Upgradation for Textiles
Up to 15% capital subsidy for textile machinery modernisation
MAI — Market Access Initiative
Up to Rs. 30 lakh reimbursement for export market development
NSFDC — SC Microcredit & Term Loan
Subsidised loans up to Rs. 30 lakh for SC entrepreneurs
UP One District One Product (ODOP)
District-specific subsidy + marketing for UP MSMEs
SIDBI SMILE — MSME Term Loan
Term loan ₹10L–₹25L for new units and expansion
ICICI Bank InstaBIZ
Digital MSME current account + Rs. 25 lakh instant overdraft
NMDFC — Minorities Concessional Credit
Concessional loans up to Rs. 20 lakh for minority entrepreneurs
NSKFDC — Safai Karamchari Rehabilitation Credit
Concessional loans up to Rs. 15 lakh for manual scavenger rehabilitation
CLCSS — Credit Linked Capital Subsidy
15% capital subsidy for technology upgradation (max ₹15L)
PLI for MSME — Food Processing (Branded)
Up to 30% capital subsidy on branded food MSMEs (modified PLI)
NBCFDC — OBC Microcredit & Term Loan
Concessional loans up to Rs. 15 lakh for OBC entrepreneurs
PMMY MUDRA Tarun
Expansion loan ₹5 lakh – ₹10 lakh
SIDBI Mahila Udyam Nidhi
Up to Rs. 10 lakh credit at concessional terms for women
PM FME — Micro Food Enterprises
Up to ₹10L credit-linked capital subsidy for food processing
Amazon Saheli — Women Sellers
Free Amazon onboarding + ₹6 lakh credit for women MSMEs
PMMY MUDRA Kishore
Working capital loan ₹50,000 – ₹5 lakh
Aajeevika — NRLM (Rural Livelihoods)
SHG-based credit + livelihood support for rural poor
ZED — Zero Defect Zero Effect
Up to ₹5L subsidy for quality certification
Coir Vikas Yojana
Up to Rs. 4 lakh capital + 25% subsidy for coir entrepreneurs
PM Vishwakarma Yojana
₹3L credit + skill training + toolkit grant
DAY-NULM — Urban Livelihoods Mission
Urban poor self-employment + skill training
PMSBY — Accident Insurance for Proprietors
Rs. 2 lakh accident cover for Rs. 20/year premium
PMJJBY — Life Insurance for Proprietors
Rs. 2 lakh life cover for Rs. 436/year premium
Mahatma Gandhi Bunkar Bima Yojana
Free life + accident insurance for handloom weavers
Udyogini Scheme — Karnataka KSWDC
Up to Rs. 1 lakh subsidised loan for Karnataka women
Mahila Coir Yojana
Free spinning training + Rs. 75K toolkit for women
SBI e-MUDRA — Instant Online Loan
Instant Rs. 50,000 MUDRA loan with end-to-end digital flow
PMMY MUDRA Shishu
Collateral-free business loan up to ₹50,000
RAMP — Raising and Accelerating MSME Performance
World Bank–backed state-level MSME competitiveness grants
PLI Pharmaceuticals
4-10% incentive on incremental sales of bulk drugs/APIs
PLI MMF & Technical Textiles
Up to 15% incentive on incremental sales of MMF fabrics
PLI Food Processing
4-10% incentive on incremental sales of branded food products
PLI Auto & Auto Components
8-18% incentive on Advanced Automotive Tech products
PLI Advanced Chemistry Cell (Battery)
Up to Rs. 18,100 Cr outlay for Li-ion battery manufacturing
Telangana TS-iPASS (Self-Certification)
Self-certification + 15-day approval for industrial setup
Amazon Karigar — Artisans & Weavers
Free Amazon onboarding for handloom/handicraft sellers
Flipkart Samarth — Rural & Women
Free onboarding for rural artisans, women, weavers, PwD
Meta WhatsApp Business API for MSMEs
Free WhatsApp Business chatbot + catalogue + payments
EPCG — Export Promotion Capital Goods
Zero customs duty on capital goods for exports
EOU — Export Oriented Unit
Duty-free imports + tax holidays for 100% export units
GeM — Government e-Marketplace
Sell directly to government departments
Duty Drawback Scheme (DBK)
Refund of customs duties on inputs used for exports
Advance Authorisation Scheme
Duty-free import of inputs needed for export production
Duty-Free Import Authorisation (DFIA)
Post-export duty-free input replenishment
Special Economic Zone (SEZ) Unit
Tax holidays + duty-free imports for SEZ units
Niryat Bandhu Scheme
Free hand-holding mentor for new and small exporters
Mahila E-Haat
Free online marketplace for women entrepreneurs
NSIC Marketing Support Scheme
Free tender sets, MSME database access, marketing assistance
PLI Electronics Manufacturing
4-6% incentive on incremental sales for 5 years
NABARD Rural Enterprise Credit
Refinance support for rural and agri-allied businesses
PMFBY — Crop Insurance for Agri-MSME
Subsidised crop insurance with up to 90% premium subsidy
Interest Equalisation Scheme — Export Credit
3% interest subvention on pre/post-shipment rupee export credit
RoDTEP — Remission of Duties and Taxes
0.5%-4.3% tax remission for exporters via duty credit scrips
NAPS — Apprenticeship Promotion
25% of stipend reimbursed (up to Rs. 1,500/apprentice/month)
MAITRI — Single Window for Maharashtra Industry
Single-window clearance + investment facilitation
Walmart Vriddhi — MSME Capacity Building
Free 6-month digital + finance + exports training for MSMEs
TReDS — get your invoices paid early (RXIL / M1xchange / Invoicemart)
Sell your unpaid invoice to a bank on TReDS and get cash in 2–3 days; CPSEs must now pay MSMEs through it
SME Growth Fund (₹10,000 crore, Budget 2026-27)
Government equity for MSMEs with the potential to become champions — announced Feb 2026, operating guidelines awaited
MSME Samadhaan — recover delayed payments with interest
Buyer not paying within 45 days? File free on MSME Samadhaan; the 2026 Act lets you file in your own district and sets a 90-day clock