Schemes for IT & telecom (all)
65 schemes available for it & telecom (all) businesses in India — loans, grants, subsidies, certifications, training and market-access programs.
Mutual Credit Guarantee Scheme for MSMEs (MCGS-MSME)
60% government guarantee on machinery loans up to ₹100 crore — no collateral for the guaranteed part
CGTMSE — Collateral-Free Credit
Bank loan up to ₹10 crore without collateral — Government of India guarantees the lender
PSB Loans in 59 Minutes
In-principle MSME loan approval in 59 minutes (Rs. 1L–Rs. 5 Cr)
ECLGS — Emergency Credit Line Guarantee
100% credit guarantee on additional working capital for MSMEs
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
ASPIRE — Rural Innovation & Entrepreneurship
Up to Rs. 1 Cr for Livelihood Business Incubators
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
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
Jharkhand Industrial Investment Promotion 2022
Capital subsidy + transport subsidy for Jharkhand units
MP MSME Development Policy 2023
30% capital subsidy for micro units in MP
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
Chhattisgarh Industrial Policy 2024-29
Up to 50% capital subsidy for backward districts in CG
Kerala MSME Industrial Policy 2024
35% subsidy for women-led + KSIDC industrial corridor
HDFC Bank SmartUp
Bank-led MSME credit + startup banking + cashflow APIs
Axis Bank MSME Business Loan
Up to Rs. 50 lakh business loan with CGTMSE coverage
NHFDC — Disability Concessional Credit
Concessional loans up to Rs. 50 lakh for PwD entrepreneurs
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
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
Elevate Karnataka
Up to Rs. 50 lakh seed grant for Karnataka startups
Karnataka New Industrial Policy 2025
15-30% capital subsidy + interest reimbursement
UP MSME Industrial Investment Policy
Capital subsidy + interest subsidy for new UP units
Gujarat Solar Power Policy — MSME
Rooftop solar with net metering + capital subsidy
NSFDC — SC Microcredit & Term Loan
Subsidised loans up to Rs. 30 lakh for SC entrepreneurs
Maharashtra Startup Policy
Up to Rs. 25 lakh grant + procurement preference
UP One District One Product (ODOP)
District-specific subsidy + marketing for UP MSMEs
ICICI Bank InstaBIZ
Digital MSME current account + Rs. 25 lakh instant overdraft
Telangana WE Hub (Women Startup)
Up to Rs. 25 lakh grant + incubation for women-led startups
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
NBCFDC — OBC Microcredit & Term Loan
Concessional loans up to Rs. 15 lakh for OBC entrepreneurs
SIDBI Mahila Udyam Nidhi
Up to Rs. 10 lakh credit at concessional terms for women
PMMY MUDRA Tarun
Expansion loan ₹5 lakh – ₹10 lakh
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
PMSBY — Accident Insurance for Proprietors
Rs. 2 lakh accident cover for Rs. 20/year premium
DAY-NULM — Urban Livelihoods Mission
Urban poor self-employment + skill training
PMJJBY — Life Insurance for Proprietors
Rs. 2 lakh life cover for Rs. 436/year premium
Udyogini Scheme — Karnataka KSWDC
Up to Rs. 1 lakh subsidised loan for Karnataka 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
Special Economic Zone (SEZ) Unit
Tax holidays + duty-free imports for SEZ units
Mahila E-Haat
Free online marketplace for women entrepreneurs
NSIC Marketing Support Scheme
Free tender sets, MSME database access, marketing assistance
Startup India DPIIT Recognition
Tax exemptions, IPR fast-track, fund of funds access
STPI — Software Technology Parks
Duty-free imports + tax holidays for software exporters
RAMP — Raising and Accelerating MSME Performance
World Bank–backed state-level MSME competitiveness grants
Meta WhatsApp Business API for MSMEs
Free WhatsApp Business chatbot + catalogue + payments
Flipkart Samarth — Rural & Women
Free onboarding for rural artisans, women, weavers, PwD
NAPS — Apprenticeship Promotion
25% of stipend reimbursed (up to Rs. 1,500/apprentice/month)
Walmart Vriddhi — MSME Capacity Building
Free 6-month digital + finance + exports training for MSMEs
MAITRI — Single Window for Maharashtra Industry
Single-window clearance + investment facilitation
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
Telangana TS-iPASS (Self-Certification)
Self-certification + 15-day approval for industrial setup
SEIS — Service Exports from India
Duty credit scrips for service exporters (1-8%)
GeM — Government e-Marketplace
Sell directly to government departments
Niryat Bandhu Scheme
Free hand-holding mentor for new and small exporters