For beneficiaries belonging to Special categories such as SC/ST/ Women/ Minorities/ Ex-Servicemen/ Transgenders/ Aspirational districts/NER, the margin money subsidy is 35% in rural areas and 25% in urban areas
Capital Subsidy
Manufacturing Sector :
(a) For the manufacturing sector in industrial units, benefits are limited to projects with a cost of up to ₹50 lakhs.
(b) The margin money subsidy rate is 15% for urban areas and 25% for rural areas under the general category.
(c) For SC/ST/OBC beneficiaries, the subsidy is 25% in urban areas and 35% in rural areas.
(d) Beneficiaries belonging to special categories (SC/ST, Women, Minorities, Ex-Servicemen, Transgenders, Aspirational Districts, and NER) are eligible for a margin money subsidy of 35% in rural areas and 25% in urban areas.
Service Sector:
(a) For the service sector in industrial units, benefits are limited to projects with a cost of up to ₹20 lakhs.
(b) The margin money subsidy rate is 15% for urban areas and 25% for rural areas under the general category.
(c) For SC/ST/OBC beneficiaries, the subsidy is 25% in urban areas and 35% in rural areas.
(d) Beneficiaries belonging to special categories (SC/ST, Women, Minorities, Ex-Servicemen, Transgenders, Aspirational Districts, and NER) are eligible for a margin money subsidy of 35% in rural areas and 25% in urban areas.
2nd Loan for upgradation of existing PMEGP/MUDRA units
The maximum cost of the project/unit admissible for Margin Money subsidy under Manufacturing sector for upgradation is Rs. 1.00 crore. The maximum cost of the project/unit admissible for Margin Money subsidy under Business/Service sector for upgradation is Rs. 25 lakh.
Special Credit Linked Capital Subsidy Scheme: 25% capital subsidy to SC-ST owned MSEs for procurement of Plant & Machinery / Equipment through institutional finance (i.e., subsidy cap of Rs.25 Lacs) without any sector-specific restrictions.
Interest Subsidy
Reimbursement of Bank Loan Processing Fee: 80% or Rs. 1,00,000/-, whichever is less, on Bank loan processing charges paid by SC-ST MSEs.
Reimbursement of Bank charges on Performance Bank Guarantee: 80% or Rs. 1,00,000/-, whichever is less, on Performance Bank guarantee charges paid by SC-ST MSEs.
Reimbursement of Testing Fee: 80% or Rs 1,00,000/- on testing charges, whichever is less for availing testing services from Government laboratories or NABL /BIS accredited laboratories & license or certification fee from BIS, in a financial year.
Reimbursement of the annual membership fee of Export Promotion Council: 80% of the annual Membership fee of various Export Promotion Councils with a ceiling of Rs. 20,000/-.
Reimbursement of annual membership/subscription fee of Government promoted e-commerce portals: 80% or a maximum of Rs. 25,000/- whichever is less, on annual membership fee of Government promoted e-commerce portals such as GeM, e-khadi, TRIFED, Tribes India, MSME Mart, etc. to SC-ST MSEs.
Single Point Registration Scheme (SPRS): 100% subsidy for registration under Single Point Registration Scheme of NSIC and the applicant unit is required to pay token amount of Rs.100 plus GST only.
ASPIRE ( A scheme for Promotion of Innovation , Rural Industries and Entrepreneurship)
Capital Subsidy
Maximum of INR 1 cr. to Government agencies & INR 75 lakh to Private agencies for procuring plant and machinery.
Maximum of INR 1 cr. to Government and Private agencies as operational expenditure support towards manpower cost, running incubation and skill development programmes.
Green Investment and Financing for Transformation (GIFT) Scheme
Interest Subsidy
Interest Subvention Scheme for MSMEs:
Subsidized Loans: MSMEs can avail loans with a 2% interest subvention per annum, for loan amounts ranging from ₹10 lakhs to ₹2 crores.
Duration: The subvention is available for a maximum period of 5 years.
Benefit: Significantly reduces the cost of borrowing, making it more affordable for MSMEs to invest in green and sustainable technologies.
Risk Sharing Facility (RSF) :
Credit Guarantee: Offers partial credit guarantee coverage for loans up to ₹2 crores, encouraging lending to MSMEs.
Risk Reduction: Covers a substantial portion of the loan, reducing risk for financial institutions and promoting easier access to credit.
Special Concessions: Reduced guarantee fees for women, SC/ST, persons with disabilities, Agniveers, and enterprises located in priority regions.
SWIFT (SIDBI Assistance for Working Capital using Integrated Finance Tool
Capital Subsidy
Substantial Overdraft Limit:
MSMEs can avail an overdraft facility of up to ₹3 crores, offering significant liquidity support for meeting operational and short-term cash flow needs.
Fast-Track Sanction Through Digital Journey:
SIDBI provides an in-principle offer letter upon successful completion of the digital application process, making it hassle-free, paperless, and time-efficient for eligible units to get sanctioned credit.
Scheme for Promotion and Investment in Circular Economy (MSE SPICE)
Capital Subsidy
Financial Support: Subsidies to reduce the cost of adopting CE practices:
(a) Capital Subsidy (INR – 450cr):
• Brownfield Projects: Upgrading existing CE projects with a maximum project cost of Rs. 50 lakhs. A 25% subsidy on plant and machinery costs, up to Rs. 12.5 lakhs.
(b) Awareness Generation and Demand Creation (INR – 15cr):
• Workshops and programs to educate MSEs and stakeholders about CE.
(c) IEC Component (INR 7.50 cr):
• Training and capacity building for financial institutions.
• Development of ICT platforms for green financing.
Increased Efficiency: Improved resource utilization and waste management.
Market Expansion: Access to new markets through compliance with CE standards.
Enhanced Competitiveness: Adoption of advanced technologies and processes.
Environmental Impact: Contribution to sustainability goals and reduced carbon footprint.
Under this scheme, any entrepreneur can set up a unit up to Rs 50 lakh in the manufacturing sector and up to Rs 20 lakh in the service sector.
For the establishment of these units, 15% to 25% of the entire project cost is provided to the beneficiaries in urban areas and 25% to 35% in rural areas as grant by the Government of India
For beneficiaries belonging to Special categories such as SC/ST/ Women/ Minorities/ Ex-Servicemen/ Transgenders/ Aspirational districts/NER, the margin money subsidy is 35% in rural areas and 25% in urban areas
Capital Subsidy
Manufacturing Sector :
(a) For the manufacturing sector in industrial units, benefits are limited to projects with a cost of up to ₹50 lakhs.
(b) The margin money subsidy rate is 15% for urban areas and 25% for rural areas under the general category.
(c) For SC/ST/OBC beneficiaries, the subsidy is 25% in urban areas and 35% in rural areas.
(d) Beneficiaries belonging to special categories (SC/ST, Women, Minorities, Ex-Servicemen, Transgenders, Aspirational Districts, and NER) are eligible for a margin money subsidy of 35% in rural areas and 25% in urban areas.
Service Sector:
(a) For the service sector in industrial units, benefits are limited to projects with a cost of up to ₹20 lakhs.
(b) The margin money subsidy rate is 15% for urban areas and 25% for rural areas under the general category.
(c) For SC/ST/OBC beneficiaries, the subsidy is 25% in urban areas and 35% in rural areas.
(d) Beneficiaries belonging to special categories (SC/ST, Women, Minorities, Ex-Servicemen, Transgenders, Aspirational Districts, and NER) are eligible for a margin money subsidy of 35% in rural areas and 25% in urban areas.
2nd Loan for upgradation of existing PMEGP/MUDRA units
The maximum cost of the project/unit admissible for Margin Money subsidy under Manufacturing sector for upgradation is Rs. 1.00 crore. The maximum cost of the project/unit admissible for Margin Money subsidy under Business/Service sector for upgradation is Rs. 25 lakh.
Special Credit Linked Capital Subsidy Scheme: 25% capital subsidy to SC-ST owned MSEs for procurement of Plant & Machinery / Equipment through institutional finance (i.e., subsidy cap of Rs.25 Lacs) without any sector-specific restrictions.
Interest Subsidy
Reimbursement of Bank Loan Processing Fee: 80% or Rs. 1,00,000/-, whichever is less, on Bank loan processing charges paid by SC-ST MSEs.
Reimbursement of Bank charges on Performance Bank Guarantee: 80% or Rs. 1,00,000/-, whichever is less, on Performance Bank guarantee charges paid by SC-ST MSEs.
Reimbursement of Testing Fee: 80% or Rs 1,00,000/- on testing charges, whichever is less for availing testing services from Government laboratories or NABL /BIS accredited laboratories & license or certification fee from BIS, in a financial year.
Reimbursement of the annual membership fee of Export Promotion Council: 80% of the annual Membership fee of various Export Promotion Councils with a ceiling of Rs. 20,000/-.
Reimbursement of annual membership/subscription fee of Government promoted e-commerce portals: 80% or a maximum of Rs. 25,000/- whichever is less, on annual membership fee of Government promoted e-commerce portals such as GeM, e-khadi, TRIFED, Tribes India, MSME Mart, etc. to SC-ST MSEs.
Single Point Registration Scheme (SPRS): 100% subsidy for registration under Single Point Registration Scheme of NSIC and the applicant unit is required to pay token amount of Rs.100 plus GST only.
ASPIRE ( A scheme for Promotion of Innovation , Rural Industries and Entrepreneurship)
Capital Subsidy
Maximum of INR 1 cr. to Government agencies & INR 75 lakh to Private agencies for procuring plant and machinery.
Maximum of INR 1 cr. to Government and Private agencies as operational expenditure support towards manpower cost, running incubation and skill development programmes.
Green Investment and Financing for Transformation (GIFT) Scheme
Interest Subsidy
Interest Subvention Scheme for MSMEs:
Subsidized Loans: MSMEs can avail loans with a 2% interest subvention per annum, for loan amounts ranging from ₹10 lakhs to ₹2 crores.
Duration: The subvention is available for a maximum period of 5 years.
Benefit: Significantly reduces the cost of borrowing, making it more affordable for MSMEs to invest in green and sustainable technologies.
Risk Sharing Facility (RSF) :
Credit Guarantee: Offers partial credit guarantee coverage for loans up to ₹2 crores, encouraging lending to MSMEs.
Risk Reduction: Covers a substantial portion of the loan, reducing risk for financial institutions and promoting easier access to credit.
Special Concessions: Reduced guarantee fees for women, SC/ST, persons with disabilities, Agniveers, and enterprises located in priority regions.
SWIFT (SIDBI Assistance for Working Capital using Integrated Finance Tool
Capital Subsidy
Substantial Overdraft Limit:
MSMEs can avail an overdraft facility of up to ₹3 crores, offering significant liquidity support for meeting operational and short-term cash flow needs.
Fast-Track Sanction Through Digital Journey:
SIDBI provides an in-principle offer letter upon successful completion of the digital application process, making it hassle-free, paperless, and time-efficient for eligible units to get sanctioned credit.
Scheme for Promotion and Investment in Circular Economy (MSE SPICE)
Capital Subsidy
Financial Support: Subsidies to reduce the cost of adopting CE practices:
(a) Capital Subsidy (INR – 450cr):
• Brownfield Projects: Upgrading existing CE projects with a maximum project cost of Rs. 50 lakhs. A 25% subsidy on plant and machinery costs, up to Rs. 12.5 lakhs.
(b) Awareness Generation and Demand Creation (INR – 15cr):
• Workshops and programs to educate MSEs and stakeholders about CE.
(c) IEC Component (INR 7.50 cr):
• Training and capacity building for financial institutions.
• Development of ICT platforms for green financing.
Increased Efficiency: Improved resource utilization and waste management.
Market Expansion: Access to new markets through compliance with CE standards.
Enhanced Competitiveness: Adoption of advanced technologies and processes.
Environmental Impact: Contribution to sustainability goals and reduced carbon footprint.
Under this scheme, any entrepreneur can set up a unit up to Rs 50 lakh in the manufacturing sector and up to Rs 20 lakh in the service sector.
For the establishment of these units, 15% to 25% of the entire project cost is provided to the beneficiaries in urban areas and 25% to 35% in rural areas as grant by the Government of India
