Schemes for businesses in Puducherry
2 Puducherry-specific schemes plus 74 central schemes available to businesses headquartered or operating in this state.
Puducherry-specific schemes
Central government schemes (available nationwide)
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
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
CGTMSE — Collateral-Free Credit
Bank loan up to ₹5 Cr without collateral
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
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
APEDA Agri & Processed Food Export Schemes
Subsidies + market access for agri product exports
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
Axis Bank MSME Business Loan
Up to Rs. 50 lakh business loan with CGTMSE coverage
HDFC Bank SmartUp
Bank-led MSME credit + startup banking + cashflow APIs
NSFDC — SC Microcredit & Term Loan
Subsidised loans up to Rs. 30 lakh for SC entrepreneurs
MAI — Market Access Initiative
Up to Rs. 30 lakh reimbursement for export market development
ATUFS — Technology Upgradation for Textiles
Up to 15% capital subsidy for textile machinery modernisation
ICICI Bank InstaBIZ
Digital MSME current account + Rs. 25 lakh instant overdraft
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
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)
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
PMMY MUDRA Tarun
Expansion loan ₹5 lakh – ₹10 lakh
PM FME — Micro Food Enterprises
Up to ₹10L credit-linked capital subsidy for food processing
SIDBI Mahila Udyam Nidhi
Up to Rs. 10 lakh credit at concessional terms for women
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
PMMY MUDRA Kishore
Working capital loan ₹50,000 – ₹5 lakh
Aajeevika — NRLM (Rural Livelihoods)
SHG-based credit + livelihood support for rural poor
PM Vishwakarma Yojana
₹3L credit + skill training + toolkit grant
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
PMSBY — Accident Insurance for Proprietors
Rs. 2 lakh accident cover for Rs. 20/year premium
Mahatma Gandhi Bunkar Bima Yojana
Free life + accident insurance for handloom weavers
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
SBI Annapurna Scheme
Rs. 50K loan for women food caterers and tiffin services
PM-KISAN — Direct Income Support
₹6,000 per year direct transfer to farmers
Walmart Vriddhi — MSME Capacity Building
Free 6-month digital + finance + exports training for MSMEs
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
Amazon Karigar — Artisans & Weavers
Free Amazon onboarding for handloom/handicraft sellers
Flipkart Samarth — Rural & Women
Free onboarding for rural artisans, women, weavers, PwD
Reliance JioMart Kirana Partner Program
Free digital storefront + supply chain for kirana stores
Meta WhatsApp Business API for MSMEs
Free WhatsApp Business chatbot + catalogue + payments
ITC e-Choupal — Agri Procurement
Direct procurement + price discovery for farmer-MSMEs
EPCG — Export Promotion Capital Goods
Zero customs duty on capital goods for exports
SEIS — Service Exports from India
Duty credit scrips for service exporters (1-8%)
EOU — Export Oriented Unit
Duty-free imports + tax holidays for 100% export units
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
GeM — Government e-Marketplace
Sell directly to government departments
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
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)
PLI Electronics Manufacturing
4-6% incentive on incremental sales for 5 years