MSME Schemes

Subsidy of 15% of the project cost (20% in NER and hill states) on a second loan of up to ₹1 crore for upgrading an existing, well-performing PMEGP or MUDRA unit.

Max benefit:

₹15 L

Jurisdiction:

Central

Allows duty-free import of inputs (including packaging material, fuel, oil, catalyst) that are physically incorporated in or consumed in the production of an export product, subject to fulfilment of Export Obligation. Ensures taxes are not exported. Quantities governed by SION or approved ad-hoc norms.

Jurisdiction:

Central (DGFT)

3% per annum interest subvention on term loans up to Rs 2 crore (subvention available on eligible loan up to Rs 2 crore per project), for up to 7 years, plus credit guarantee coverage (CGTMSE fee) for eligible borrowers, for post-harvest management and community farming asset projects.

Max benefit:

₹2 Cr

Jurisdiction:

Central (Department of Agriculture & Farmers Welfare)

One-time credit-linked Capital Investment Subsidy on eligible new benchmarked machinery: 15% for garmenting and technical textiles (cap Rs 30 crore per entity) and 10% for weaving/other segments (cap Rs 20 crore per entity).

Max benefit:

₹30 Cr

Jurisdiction:

Central (Ministry of Textiles)

Exemption from 'angel tax' under Section 56(2)(viib) of the Income Tax Act, so that consideration received for issue of shares above fair market value is not taxed as income, subject to prescribed conditions.

Jurisdiction:

Central (DPIIT)

3% per annum interest subvention on bank loans for up to 8 years (including moratorium) for eligible dairy/meat processing, animal feed, breed improvement, and animal waste-to-wealth projects. Loans up to 90% of project cost from scheduled banks; credit guarantee for MSMEs.

Jurisdiction:

Central (Department of Animal Husbandry & Dairying)

Financial support for business incubators (e.g., academic institutions, associations) to support new startups/MSMEs. Grant up to ₹100 Lakh for Technology Business Incubators (TBI).

Max benefit:

₹1 Cr

Jurisdiction:

Central

Grant-in-aid of up to Rs 10 crore to each Atal Incubation Centre over a period of 5 years, covering capital and operational expenditure to set up world-class incubation facilities that support and scale startups.

Max benefit:

₹10 Cr

Jurisdiction:

Central (AIM)

Capital Subsidy (10-25% of Fixed Capital Investment, max ₹10 Cr) and Interest Subsidy (up to 7% for Micro) for 7 years, dependent on location and category.

Max benefit:

₹10 Cr

Jurisdiction:

Gujarat (State)

Bundled fiscal incentives under Banglashree: Interest subsidy on term loans for 5 years (Micro/Small 55% in Zones A-B, 70% in Zones C-E of annual interest liability); Stamp duty & registration fee reimbursement (Micro/Small: Zone A 25%, B 50%, C 75%, D-E 100%); SGST refund for 8 years (Zones B-C 30%, Zones D-E 50% of net SGST, cumulative cap 75% of FCI); Power subsidy for 5 years (Re 1.00/kWh Zones A-B, Rs 1.50/kWh Zones C-E).

Jurisdiction:

West Bengal (State)

State Capital Investment Subsidy on Fixed Capital Investment, zone-based. Micro: Zone C 25%, Zone D 40%, Zone E 60%. Small: Zone C 15%, Zone D 30%, Zone E 40% (max Rs 50 lakh Zones C-D; Rs 75 lakh Zone E). Additional 20% of admissible subsidy for women, SC/ST and minority entrepreneurs across all zones.

Max benefit:

₹75 L

Jurisdiction:

West Bengal (State)

Grants for IPR awareness programmes, pilot studies, interactive seminars, specialised training, reimbursement of patent/GI registration, and setting up Intellectual Property Facilitation Centres (IPFCs).

Max benefit:

₹65 L

Jurisdiction:

Central (Ministry of MSME)

Umbrella scheme for developing the coir industry, including sub-schemes for Skill Upgradation & Training, Export Market Promotion, and Development of Production Infrastructure (e.g., modernization subsidy).

Max benefit:

₹25 L

Jurisdiction:

Central

Grant-in-aid at 35% of eligible project cost in general areas (50% in North-Eastern states and difficult areas), subject to a maximum of Rs 5 crore. Grant is credit-linked and released in two instalments of 50% each.

Max benefit:

₹5 Cr

Jurisdiction:

Central (Ministry of Food Processing Industries)

Provides guarantee cover to Member Lending Institutions (MLIs) for collateral-free credit facilities (Term Loans and Working Capital) extended to MSMEs. Up to 75% to 85% of the credit is guaranteed.

Max benefit:

₹5 Cr

Jurisdiction:

Central

Collateral-free credit guarantee against loans (venture debt, working capital, term loans) extended by Member Institutions to DPIIT-recognised startups. Transaction-based cover of 85% of default up to Rs 10 crore and 75% for amounts above Rs 10 crore; ceiling of guarantee cover Rs 20 crore per borrower.

Max benefit:

₹20 Cr

Jurisdiction:

Central

Guarantee cover for restructuring/equity infusion support for stressed MSMEs who are Non-Performing Assets (NPAs) but are otherwise viable. Guarantee of 90% of the credit facility.

Max benefit:

₹75 L

Jurisdiction:

Central

15% upfront capital subsidy on institutional finance up to ₹1 Crore (max subsidy ₹15 Lakh) for procurement of proven technology (P&M) for modernization/upgradation.

Max benefit:

₹15 L

Jurisdiction:

Central

Promotes adoption of Information & Communication Technology (ICT) and cloud computing by MSMEs; subsidy support toward cloud/ICT usage charges.

Max benefit:

₹1 L

Jurisdiction:

Central (Ministry of MSME)

Institutional support to promote exports at the district level: identification of export-potential products and services, District Export Action Plans, addressing infrastructure and logistics gaps, and facilitation of a grassroots trade ecosystem. Convergence with other export schemes (e.g. MAI, TIES) for support.

Jurisdiction:

Central (DGFT)

Margin money subsidy equal to 25% of project cost or Rs 25 lakh, whichever is lower; interest subsidy of 9% for loans up to Rs 25 lakh, 7% for loans Rs 25 lakh to Rs 5 crore, and 6% for loans Rs 5 crore to Rs 10 crore; plus CGTMSE guarantee fee paid by the state.

Max benefit:

₹25 L

Jurisdiction:

Rajasthan (State)

Provided 100% guarantee cover to MLIs for credit extended to MSMEs in the form of emergency working capital term loans (ECL), primarily as a response to the COVID-19 stress.

Max benefit:

₹0

Jurisdiction:

Central (Finance Ministry)

GoI contribution toward the cost of diagnostic study and implementation of Quality Technology Tools / Quality Management Standards; improves product quality, reduces rejection, rework and inventory.

Max benefit:

₹2.5 L

Jurisdiction:

Central (Ministry of MSME)

Assistance proportional to fixed capital investment: General category 15% (max Rs 30 lakh); Young (18-45), Women, SC/ST and NRK entrepreneurs 25% (max Rs 40 lakh); additional 10% (max Rs 10 lakh) for priority-sector units and units in Idukki/Wayanad/Kasargode/Pathanamthitta; additional 10% (max Rs 10 lakh) for adopting new approved technology. Total assistance per enterprise capped at Rs 40 lakh. Startup support up to 50% of eligible assistance (max Rs 3 lakh).

Max benefit:

₹40 L

Jurisdiction:

Kerala (State)

Free/subsidised entrepreneurship awareness, development and skill programmes (including for SC/ST, women, PwD candidates) to help start or grow micro and small enterprises.

Jurisdiction:

Central

Allows import of capital goods for pre-production, production and post-production at zero customs duty, subject to fulfilment of an Export Obligation equal to 6 times the duties/taxes/cess saved, generally within 6 years. Reduced export obligation (specific EO of 75% of standard) for green technology products and for units in North Eastern region, J&K and Ladakh.

Jurisdiction:

Central (DGFT)

Financial assistance up to Rs 18 lakh per FPO towards management cost over 3 years; matching equity grant up to Rs 2,000 per farmer member (max Rs 15 lakh per FPO); credit guarantee facility up to Rs 2 crore of project loan per FPO. Five years of handholding support.

Max benefit:

₹18 L

Jurisdiction:

Central (Department of Agriculture & Farmers Welfare)

A Rs 10,000 crore corpus operated by SIDBI that commits capital to SEBI-registered AIFs (daughter funds), which invest at least twice the FFS contribution into startups. Catalyses domestic venture and growth capital. Startup India Fund of Funds 2.0 announced with an additional Rs 10,000 crore corpus.

Max benefit:

₹10000 Cr

Jurisdiction:

Central (DPIIT)

Free registration for Micro and Small Enterprises (MSEs) on the Government e-Marketplace (GeM), exemption from paying Earnest Money Deposit (EMD) and Security Deposit (SD) for tenders.

Max benefit:

₹0

Jurisdiction:

Central

MeitY scheme (outlay Rs 490 crore over 5 years) to nurture tech startups in Tier-II and Tier-III cities and towns. Provides pilot funding to startups averaging Rs 40 lakh and up to Rs 50 lakh, and supports early-stage startups with funding up to Rs 10 lakh without matching requirements.

Max benefit:

₹50 L

Jurisdiction:

Central

Grants/subsidies for MSMEs adopting green technology, renewable energy, and resource efficiency measures. Often channeled through SIDBI for interest relief.

Max benefit:

₹0

Jurisdiction:

Central (RAMP/SIDBI)

Industrial Promotion Subsidy linked to 100% Gross SGST payable by the unit on first sale of eligible products within Maharashtra, subject to a ceiling as a percentage of Fixed Capital Investment (FCI) based on taluka classification: B 30%, C 40%, D 50%, D+ 60%, Vidarbha/Marathwada/special areas 80%, No-Industry/Naxal/Aspirational districts 100%, over 7-10 years.

Jurisdiction:

Maharashtra (State)

Grant-in-aid for setting up integrated cold chain, preservation and value-addition infrastructure covering the farm-to-market chain. Support provided as per the scheme's pattern of assistance (differential rates for plant/machinery and technical civil works, higher in North-East/difficult areas).

Jurisdiction:

Central (Ministry of Food Processing Industries)

Interest subvention on pre and post shipment rupee export credit, reducing the effective interest rate on export credit. Under the modified scheme, MSME manufacturer exporters are eligible for a 3% interest equalisation rate.

Jurisdiction:

Central (Commerce Ministry)

Provides interest subsidy to institutions registered with KVIC/KVIB for obtaining working capital loan from banks. Ensures concessional credit.

Max benefit:

₹10 L

Jurisdiction:

Central

Interest subsidy up to 5% on term loans (net of other interest subsidies) in less-developed areas; power tariff subsidy of Rs 1/unit (Vidarbha, Marathwada, North Maharashtra and specified areas) or Rs 0.50/unit elsewhere for 3 years from commercial production; exemption from stamp duty; and electricity duty exemption for eligible categories.

Jurisdiction:

Maharashtra (State)

2% interest subvention on fresh or incremental term loans/working capital facilities. Extends up to ₹1 Crore loan value.

Max benefit:

₹2 L

Jurisdiction:

Central

Financial assistance for MSMEs participating in international trade fairs, exhibitions, or organizing trade delegations abroad (covers travel, stall rent, shipping).

Max benefit:

₹0

Jurisdiction:

Central

Reimbursement of net SGST paid, varying by block category and enterprise size. For MSMEs: in 'D' blocks 75% of net SGST for first 7 years and 35% for next 3 years (up to 150% of FCI); in 'C' blocks 75% for 7 years and 35% for 3 years (up to 125% of FCI); in 'B' blocks 50% for 5 years and 25% for 3 years (up to 100% of FCI).

Jurisdiction:

Haryana (State)

Provides grants to encourage Venture Capital funding in state-based startups, particularly those focused on R&D, innovation, and job creation (details are highly variable).

Max benefit:

₹0

Jurisdiction:

Karnataka (State)

Reimbursement of 80% of the cost of consultancy services for the implementation of Lean Manufacturing techniques (Max ₹36 Lakh per unit over 3 years).

Max benefit:

₹36 L

Jurisdiction:

Central

A single-window national mentorship platform under Startup India connecting startups with academicians, industry experts, successful founders, investors and other experts via AI-based matchmaking for personalized guidance on growth and strategy. Non-monetary support.

Jurisdiction:

Central (DPIIT)

Financial assistance for export promotion activities on a focus-country/focus-product basis (market studies, trade fairs abroad, buyer-seller meets, reverse buyer-seller meets, publicity, capacity building). Funding on cost-sharing basis, with sharing pattern ranging from about 50% to 65%. MSMEs, start-ups, North-East/J&K/Ladakh/hill-area exporters and SC/ST/Women/Youth exporters are given preference.

Jurisdiction:

Central (Commerce Ministry)

Reimbursement of a portion of eligible expenses (such as space rent, airfare and related costs) for MSME participation in approved international exhibitions, trade fairs, buyer-seller meets, delegations, study tours and virtual/online B2B exhibitions, to build export capacity and market access.

Jurisdiction:

Central (Commerce Ministry)

Modified Market Development Assistance (MMDA) at 30% on the prime cost of khadi (cotton, silk, woollen) and polyvastra, distributed among spinners & weavers (40%), producing institutions (20%) and selling institutions (40%).

Jurisdiction:

Central (Ministry of MSME - KVIC)

Reimbursement of 75% of the one-time bar code registration fee and 75% of annual recurring fees for the first three years paid to GS1 India.

Jurisdiction:

Central (Ministry of MSME)

Provides financial assistance for Common Facility Centres (CFCs) and creation of new industrial estates/upgradation of existing ones. Grant up to 90% in NE/Hilly areas; 70% elsewhere.

Max benefit:

₹20 Cr

Jurisdiction:

Central (State-implemented)

Investment promotion assistance up to 40% of eligible investment in plant & machinery/building (higher rate for SC/ST and women entrepreneurs), disbursed over several years; plus interest subsidy up to 5% on bank/FI loans for setting up manufacturing.

Jurisdiction:

Madhya Pradesh (State)

An umbrella scheme combining several sub-schemes like Technology Upgradation, Quality Management, and Digital MSME components. Offers financial assistance (e.g., subsidy on technology adoption, testing fees).

Max benefit:

₹1 Cr

Jurisdiction:

Central

Provides financial assistance for Common Facility Centres (CFCs) and creation of new industrial estates/upgradation of existing ones. Grant up to 70% of the project cost for CFCs.

Max benefit:

₹15 Cr

Jurisdiction:

Central (State-implemented/PPP approach)

Financial assistance for engaging design consultants/firms. 75% of the project cost for MSMEs (Max ₹40 Lakh). Student projects also subsidized.

Max benefit:

₹40 L

Jurisdiction:

Central

One-time reimbursement of expenditure incurred by MSMEs on registration of patents, trademarks, designs and geographical indications; support via Intellectual Property Facilitation Centres (IPFCs).

Max benefit:

₹5 L

Jurisdiction:

Central (Ministry of MSME)

Interest subsidy for micro and small enterprises (loans from public sector banks) and interest subsidy up to 10% on technology upgradation loans for 5 years; exemption from stamp duty and concessional registration charges (100% stamp duty exemption for MSMEs in Zone 1 and Zone 2); reimbursement of land conversion fee (100% in Zones 1-2); exemption on electricity tariff/duty and power subsidy for MSMEs.

Jurisdiction:

Karnataka (State)

Zone-based investment promotion / capital subsidy on Value of Fixed Assets (VFA) for micro and small enterprises: up to 30% of VFA in Zone 1, 25% in Zone 2 and 15% in Zone 3 (Karnataka Industrial Policy 2020-25). An additional incentive of 5% is provided for SC/ST, women, minority, physically-challenged and ex-servicemen entrepreneurs.

Jurisdiction:

Karnataka (State)

Bundle of MSME incentives under the AP industrial policy: fixed capital investment subsidy, interest subsidy (Pavala Vaddi) on term loans, power cost reimbursement, and 100% reimbursement of stamp duty & transfer duty on purchase/lease of industrial land. Enhanced benefits for SC/ST enterprises including 50% reimbursement of land cost (max Rs 20 lakh).

Jurisdiction:

Andhra Pradesh (State)

Facilitates recovery of delayed payments; buyer liable to pay compound interest with monthly rests at three times the RBI-notified bank rate if payment not made within 45 days of acceptance of goods/services. MSEFC to decide cases within 90 days.

Jurisdiction:

Central (Ministry of MSME)

Monitors procurement by Central Ministries/Departments/CPSUs from MSEs against the 25% minimum procurement target under the Public Procurement Policy; supports MSE vendor registration and development.

Jurisdiction:

Central (Ministry of MSME)

Bank-financed self-employment loans up to Rs 25 lakh (manufacturing) and up to Rs 10 lakh (service). State provides 25% margin money (max Rs 6.25 lakh for industry, Rs 2.50 lakh for service); margin money 25% for general and 30% for SC/ST entrepreneurs.

Max benefit:

₹6.3 L

Jurisdiction:

Uttar Pradesh (State)

NABARD provides refinance support to commercial, regional rural, and cooperative banks for lending to rural MSMEs, leading to lower interest rates for the end borrower (PPP model with banks).

Max benefit:

₹0

Jurisdiction:

Central (NABARD)

Supports SC/ST entrepreneurs by providing procurement support (access to government tenders), capacity building, marketing assistance, and interest subvention/rebate on certification/machinery.

Max benefit:

₹10 L

Jurisdiction:

Central

Annual recognition by DPIIT/Startup India for outstanding startups and ecosystem enablers building innovative products/solutions with measurable social and economic impact. Provides national recognition and visibility (and, in editions, cash prizes and engagement opportunities).

Jurisdiction:

Central (DPIIT)

Fellowship of Rs 30,000 per month to an aspiring/budding entrepreneur to pursue a promising technology business idea, reducing the risk of taking up entrepreneurship and encouraging talent to become entrepreneurs.

Jurisdiction:

Central

Proof-of-concept stage support providing mentoring and financial assistance of up to Rs 10 lakh to an innovator/startup for converting ideas into prototypes.

Max benefit:

₹10 L

Jurisdiction:

Central

Provides high insurance cover (up to 90%) for pre and post-shipment export credit, aimed at reducing capital costs for exporters and facilitating higher credit limits.

Max benefit:

₹0

Jurisdiction:

Central (ECGC)

Hand-holding and mentoring for first-time exporters, covering documentation, export procedures, and market access.

Max benefit:

₹0

Jurisdiction:

Central

Margin money assistance on bank-financed projects producing the district's ODOP-identified product. For project cost above Rs 25 lakh up to Rs 50 lakh: Rs 6.25 lakh or 20% of project cost, whichever is higher. For project cost above Rs 50 lakh up to Rs 150 lakh: Rs 10 lakh or 10% of project cost, whichever is higher.

Jurisdiction:

Uttar Pradesh (State)

Short-term intervention: 50% subsidy on transportation and hiring of storage for eligible fruits and vegetables. Long-term intervention: grant-in-aid at 35% to 70% of eligible project cost for value-addition/integrated projects, subject to a maximum of Rs 50 crore per project.

Max benefit:

₹50 Cr

Jurisdiction:

Central (Ministry of Food Processing Industries)

35% credit-linked capital subsidy on eligible project cost for individual micro enterprises (max Rs 10 lakh); seed capital of Rs 40,000 per SHG member for working capital and small tools; support for common infrastructure, branding and marketing for FPOs/SHGs/cooperatives.

Max benefit:

₹10 L

Jurisdiction:

Central (Ministry of Food Processing Industries)

Collateral-free working-capital micro-credit for street vendors: first loan up to Rs 10,000, second up to Rs 20,000 and third up to Rs 50,000, with 7% interest subsidy and cashback of up to Rs 100/month for digital transactions. Restructured and extended up to 31 March 2030.

Max benefit:

₹50,000

Jurisdiction:

Central

Comprehensive support for artisans/crafts people ('Vishwakarmas'). Benefits include recognition, skill training, collateral-free credit (up to ₹1 Lakh/₹2 Lakh at 5% interest), and a Tool Kit Incentive (₹15,000).

Max benefit:

₹2 L

Jurisdiction:

Central

Component-B (stand-alone solar pumps): Central Financial Assistance of 30% of benchmark/tender cost (50% in North-Eastern, hill and island states), with state subsidy and farmer share. Component-C (solarisation of grid-connected pumps): CFA of 30% of benchmark/tender cost of the solar PV component; can be implemented with central subsidy plus bank loan up to 70%.

Jurisdiction:

Central (Ministry of New and Renewable Energy)

Government financial assistance (Centre + State combined) up to 40% of project/unit cost for General category and 60% for SC/ST/Women, for beneficiary-oriented fisheries, aquaculture and fish-processing enterprise activities.

Jurisdiction:

Central (Department of Fisheries)

Collateral-free loans for income-generating micro-enterprises under three categories: Shishu (up to ₹50,000), Kishor (₹50,001 to ₹5,00,000), and Tarun (₹5,00,001 to ₹10,00,000).

Max benefit:

₹10 L

Jurisdiction:

Central

Financial assistance (Margin Money Subsidy) for setting up new micro-enterprises. Max Project Cost: Manufacturing ₹50 Lakh, Services ₹20 Lakh.

Max benefit:

₹20 L

Jurisdiction:

Central

Financial assistance to micro and small enterprises for participating in domestic trade fairs and exhibitions (stall charges, travel), plus support for modern marketing techniques, GeM/e-commerce onboarding awareness and vendor development programmes.

Jurisdiction:

Central

In-principle approval for Term Loan or Working Capital up to ₹5 Crores from Public Sector Banks (PSBs) within 59 minutes (or 8 working days for disbursal).

Max benefit:

₹5 Cr

Jurisdiction:

Central (Digital Platform)

Mandates 25% annual procurement by Central Ministries/Departments/PSUs from Micro and Small Enterprises (MSEs), with a 4% sub-target for SC/ST owned MSEs and 3% for Women owned MSEs.

Max benefit:

₹0

Jurisdiction:

Central

Capital subsidy of 50% of Fixed Capital Investment up to Rs 50 lakh per unit in Border districts, Kandi areas, Aspirational Districts and Bathinda, Faridkot, Mansa, Muktsar, Sangrur, Malerkotla, Barnala; and 20% of FCI up to Rs 50 lakh in other districts. Capital subsidy availed under any GOI/State scheme is excluded.

Max benefit:

₹50 L

Jurisdiction:

Punjab (State)

Interest subsidy at 5% per annum, subject to a maximum of Rs 5 lakh per year for 5 years, for MSMEs in Border Districts, Kandi areas and for Women and SC enterprises. Additional 5% interest subsidy (max Rs 5 lakh/year for 5 years) for units eligible under GOI CLCSS.

Max benefit:

₹5 L

Jurisdiction:

Punjab (State)

Investment subsidy by way of reimbursement of 100% of net SGST on intra-State sale for 7 years from the date of commercial production, capped at 100% of Fixed Capital Investment (FCI).

Jurisdiction:

Punjab (State)

Reimbursement of 75% of patent registration expenses up to Rs 10 lakh (domestic) and Rs 20 lakh (international), once during policy validity; and 100% reimbursement up to Rs 10 lakh of expenses on all quality certifications including ZED certification.

Max benefit:

₹20 L

Jurisdiction:

Punjab (State)

100% exemption/reimbursement of stamp duty for purchase or lease of land and building; and 100% exemption from electricity duty for 7 years up to 100% of FCI (or exemption on power consumption corresponding to the electric load in the approved DPR, whichever is lower).

Jurisdiction:

Punjab (State)

World Bank-assisted Central Sector Scheme to strengthen institutions and governance at the Centre and States. Provides grants for state-specific MSME initiatives.

Max benefit:

₹20 Cr

Jurisdiction:

Central (State-implemented)

Rebate of embedded State and Central taxes and levies (not refunded under any other scheme) on export of apparel/garments and made-ups, based on the principle of zero-rating of exports. Issued as a transferable Duty Credit Scrip valued at the embedded taxes/levies; rates are product-specific.

Jurisdiction:

Central

Rate-based remission of embedded central, state and local duties/taxes/levies incurred in manufacture and distribution of exported products that are not refunded under any other mechanism. Benefit issued as transferable e-scrips usable to pay basic customs duty. Rates vary by product line per Appendix 4R/4RE.

Jurisdiction:

Central (DGFT)

Asset creation incentive: reimbursement of 75% of State tax (net SGST) due and deposited for 10 years from commencement of commercial production, subject to policy ceilings.

Jurisdiction:

Rajasthan (State)

Stamp duty: 75% exemption plus 25% reimbursement on purchase/lease of land. Electricity duty: 100% exemption for 7 years. Also includes reimbursements related to Mandi fee and land conversion charge.

Jurisdiction:

Rajasthan (State)

One-time reimbursement of 50% of costs incurred (including testing and documentation) for obtaining quality certifications (BIS, FSSAI), system certifications (ISO, ZED) and Intellectual Property Rights, up to a maximum of Rs 3 lakh.

Max benefit:

₹3 L

Jurisdiction:

Rajasthan (State)

Enterprise-led (non-subsidy) model under Khadi Gramodyog Vikas Yojana. Khadi Business Partner runs marketing operations and shares 25% of net profit with the Khadi Gaon (group of artisans) as a cash incentive through DBT; artisans receive charkhas, looms, warping units, training and administrative support.

Jurisdiction:

Central (Ministry of MSME - KVIC)

Special loan product offered by SBI tailored for women entrepreneurs under the PMMY framework, potentially offering slightly lower internal interest rates or better terms.

Max benefit:

₹10 L

Jurisdiction:

SBI (Bank)

Financial incentive of 25% on capital expenditure for manufacturing of identified electronic components, semiconductor/display fabrication units, ATMP units, specialised sub-assemblies and related capital goods.

Jurisdiction:

Central (Ministry of Electronics and Information Technology)

Reimbursement of statutory fees for filing trademark, patent, and GI applications. Up to 50-75% subsidy, with higher limits for international filing (exact % and cap pending verification).

Max benefit:

₹0

Jurisdiction:

Central

Funding for developing clusters of traditional industries. Max project cost up to ₹5 Crores for clusters with 500+ artisans.

Max benefit:

₹5 Cr

Jurisdiction:

Central

Equity/growth capital to MSMEs through a Fund-of-Funds structure to help them grow and graduate beyond the MSME bracket into national/international champions. Total corpus of Rs 50,000 crore (Rs 10,000 crore Government of India + Rs 40,000 crore through PE/VC funds).

Max benefit:

₹50000 Cr

Jurisdiction:

Central

For private organisations: grant-in-aid of 50% of eligible equipment cost in general areas and 70% in difficult areas / for SC-ST applicants, plus up to Rs 15 lakh (or 2% of equipment cost, whichever lower) for technical civil work and furniture. Government organisations get 100% of eligible equipment cost.

Jurisdiction:

Central (Ministry of Food Processing Industries)

Reimbursement of net SGST on first sale of goods for 5 years from commencement: 100% for Micro enterprises, 50% for Small enterprises, and 25% for Medium enterprises/Large industries (with an annual turnover-linked cap under the MSME Policy 4.0).

Jurisdiction:

Andhra Pradesh (State)

Financing for implementing energy efficiency measures on an end-to-end basis, meeting part cost of capital expenditure (equipment, installation, civil works, commissioning) for measures recommended in the DPR, not exceeding 50% of the capital expenditure.

Jurisdiction:

SIDBI (Bank)

Collateral-free / unsecured small-value invoice-based (cash-flow) financing to micro enterprises against their GST invoices. Paperless credit lifecycle from origination to repayment using GSTN data, Account Aggregator, credit bureau and India Stack components (e-sign, e-stamping, e-NACH).

Jurisdiction:

SIDBI (Bank)

Term loan to finance purchase of equipment/machinery, with up to 100% financing. Up to Rs 1 crore for new-to-bank borrowers and up to Rs 2 crore for existing SIDBI borrowers, with direct payment to OEM.

Max benefit:

₹2 Cr

Jurisdiction:

SIDBI (Bank)

Soft loan in the nature of quasi-equity and term loan on soft terms to meet the required debt-equity ratio for setting up new MSMEs as well as for expansion, modernisation and technology upgradation of existing units. Aligned with the Government of India 'Make in India' initiative.

Max benefit:

₹1 Cr

Jurisdiction:

SIDBI (Bank)

Partial credit-risk guarantee/coverage on loans granted by Participating Financial Institutions and SIDBI to ESCOs or Hosts implementing energy-efficiency projects through energy service performance contracting. World Bank-supported facility to transform India's energy-efficiency market.

Jurisdiction:

SIDBI (Bank)

Affordable credit to informal micro-entrepreneurs / micro-enterprises for livelihood enterprise promotion, at affordable rates through partner institutions, helping the transition from sustenance-level activity to formal enterprise.

Max benefit:

₹5 L

Jurisdiction:

SIDBI (Bank)

Term loan to MSMEs for installing grid-connected/standalone rooftop solar PV plants (25 KW to 500 KW) for captive consumption to reduce power bills. Up to 100% financing available.

Jurisdiction:

SIDBI (Bank)

Facilitates bank loans between ₹10 Lakh and ₹1 Crore for greenfield projects (first-time venture) for SC/ST and Women entrepreneurs.

Max benefit:

₹1 Cr

Jurisdiction:

Central

100% deduction of profits and gains for any three consecutive financial years out of the first ten years since incorporation, subject to IMB certification.

Jurisdiction:

Central (DPIIT)

Seed funding through selected incubators: grants of up to Rs 20 lakh for validation of Proof of Concept, prototype development or product trials; and up to Rs 50 lakh for market entry, commercialization or scaling up through convertible debentures or debt/debt-linked instruments. Total scheme outlay of Rs 945 crore.

Max benefit:

₹50 L

Jurisdiction:

Central (DPIIT)

A capacity-building and benchmarking exercise by DPIIT evaluating States/UTs across 7 reform areas and 26 action points (institutional support, fostering innovation and entrepreneurship, access to market, incubation, funding support, mentorship, capacity building of enablers). Drives State startup policies. Participants classified as Best Performers, Top Performers, Leaders, Aspiring Leaders and Emerging Startup Ecosystems.

Jurisdiction:

Central (DPIIT)

Operational privileges for recognised exporters: authorisations and customs clearances on self-declaration basis, exemption from bank guarantees for FTP schemes, input-output norms fixed on priority (within 60 days), preferential/priority handling of consignments, and limited self-certification of preferential origin for manufacturer status holders. One Star category requires export performance of at least US$3 million over the reference period.

Jurisdiction:

Central (DGFT)

Early-stage funding to nurture innovative business ideas, with mentoring, networking, seed capital and professional assistance. Funding Rs 4-8 lakh per incubatee/idea, subject to overall ceiling of Rs 62.5 lakh per Business Incubator.

Max benefit:

₹8 L

Jurisdiction:

Central (Ministry of MSME)

25% capital subsidy on the value of eligible plant and machinery, maximum Rs 150 lakh. Additional 10% for micro enterprises (max Rs 5 lakh); additional 5% for women/SC/ST/differently-abled/transgender entrepreneurs (max Rs 5 lakh); additional 25% for cleaner/environment-friendly technology (max Rs 10 lakh); 5% additional for existing micro/small enterprises scaling up (max Rs 25 lakh).

Max benefit:

₹1.5 Cr

Jurisdiction:

Tamil Nadu (State)

Sets up 15 new Technology Centres and upgrades existing ones, equipped with CNC, additive manufacturing, robotics, metrology and testing facilities; provides technology support and skilled workforce training to MSMEs.

Jurisdiction:

Central (Ministry of MSME)

Provides subsidy/reimbursement on the cost of testing, quality certification, and technology consultancy, aiming to improve product quality and compliance.

Max benefit:

₹0

Jurisdiction:

Central

Provides 15-35% Investment Subsidy, Power Tariff Subsidies, and interest subvention for MSMEs establishing new units or expanding in Telangana.

Max benefit:

₹0

Jurisdiction:

Telangana (State)

Selected towns notified as Towns of Export Excellence (e.g. Faridabad, Moradabad, Mirzapur, Varanasi added under FTP 2023) receive priority access to export promotion funds under the MAI scheme and benefit from Common Service Provider (CSP) support under the EPCG Scheme, to strengthen the local export cluster.

Jurisdiction:

Central (DGFT)

Grant-in-aid to eligible Central/State government agencies for setting up or upgrading export infrastructure such as border haats, land customs stations, quality testing and certification labs, cold chains, trade promotion centres, export warehousing and packaging, SEZs and port/airport cargo terminuses. Grant is typically limited to the implementing agency's equity or up to 50% of total project cost (up to about 80% for North Eastern and Himalayan states including J&K), subject to a ceiling of Rs 20 crore per project.

Max benefit:

₹20 Cr

Jurisdiction:

Central (Commerce Ministry)

Assistance for the international component of freight to mitigate higher freight costs faced by exporters of specified agriculture products, plus support for marketing to enhance brand recognition. Covers exports by sea and air (including reefer cargo). Dairy products are covered under the revised scheme, with increased rates of assistance.

Jurisdiction:

Central (DGFT)

Structured support to Indian MSMEs that are future champions with good export potential, through a mix of equity, debt and technical assistance for expansion, modernisation, diversification and technology/capacity upgradation. Anchored jointly by Exim Bank and SIDBI.

Max benefit:

₹1000 Cr

Jurisdiction:

SIDBI (Bank)

Financial assistance for construction of an individual workshed (20 sq. metres) at Rs 1,20,000 or 75% of the construction cost, whichever is less, to provide khadi artisans a dedicated workspace.

Max benefit:

₹1.2 L

Jurisdiction:

Central (Ministry of MSME - KVIC)

Financial assistance (subsidy) up to 80% on the cost of certification/consultancy to attain Bronze, Silver, or Gold ZED rating. Additional 10% subsidy for Women/SC/ST owned MSMEs.

Max benefit:

₹5 L

Jurisdiction:

Central