Schemes for Repair & installation
62 schemes available for repair & installation 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
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
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)
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
Rajasthan Investment Promotion Scheme
Up to 75% SGST refund + capital subsidy for RJ units
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
Tamil Nadu MSME Policy 2021
Up to Rs. 75L combined incentives for TN micro & small units
Maharashtra MSME Policy 2022
Up to 25% capital subsidy + interest reimbursement for Maharashtra MSMEs
NHFDC — Disability Concessional Credit
Concessional loans up to Rs. 50 lakh for PwD entrepreneurs
PMEGP — Prime Minister Employment Generation
15–35% capital subsidy for new enterprises
NSTFDC — Scheduled Tribes Microcredit
Concessional loans up to Rs. 50 lakh for ST entrepreneurs
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
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
UP MSME Industrial Investment Policy
Capital subsidy + interest subsidy for new UP units
HDFC Bank SmartUp
Bank-led MSME credit + startup banking + cashflow APIs
Karnataka New Industrial Policy 2025
15-30% capital subsidy + interest reimbursement
Axis Bank MSME Business Loan
Up to Rs. 50 lakh business loan with CGTMSE coverage
Gujarat iNDEXTb Industrial Policy
12% capital + 7% interest subsidy for Gujarat MSMEs
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
ICICI Bank InstaBIZ
Digital MSME current account + Rs. 25 lakh instant overdraft
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
NMDFC — Minorities Concessional Credit
Concessional loans up to Rs. 20 lakh for minority entrepreneurs
NBCFDC — OBC Microcredit & Term Loan
Concessional loans up to Rs. 15 lakh for OBC entrepreneurs
CLCSS — Credit Linked Capital Subsidy
15% capital subsidy for technology upgradation (max ₹15L)
NSKFDC — Safai Karamchari Rehabilitation Credit
Concessional loans up to Rs. 15 lakh for manual scavenger rehabilitation
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
ZED — Zero Defect Zero Effect
Up to ₹5L subsidy for quality certification
Aajeevika — NRLM (Rural Livelihoods)
SHG-based credit + livelihood support for rural poor
PMMY MUDRA Kishore
Working capital loan ₹50,000 – ₹5 lakh
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
DAY-NULM — Urban Livelihoods Mission
Urban poor self-employment + skill training
Udyogini Scheme — Karnataka KSWDC
Up to Rs. 1 lakh subsidised loan for Karnataka women
PMMY MUDRA Shishu
Collateral-free business loan up to ₹50,000
SBI e-MUDRA — Instant Online Loan
Instant Rs. 50,000 MUDRA loan with end-to-end digital flow
Telangana TS-iPASS (Self-Certification)
Self-certification + 15-day approval for industrial setup
Mahila E-Haat
Free online marketplace for women entrepreneurs
NSIC Marketing Support Scheme
Free tender sets, MSME database access, marketing assistance
Niryat Bandhu Scheme
Free hand-holding mentor for new and small exporters
RAMP — Raising and Accelerating MSME Performance
World Bank–backed state-level MSME competitiveness grants
GeM — Government e-Marketplace
Sell directly to government departments
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
Meta WhatsApp Business API for MSMEs
Free WhatsApp Business chatbot + catalogue + payments
Flipkart Samarth — Rural & Women
Free onboarding for rural artisans, women, weavers, PwD
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