India has emerged as the third-largest startup ecosystem globally, following the US and China. To further bolster this growth, the Government of India has introduced several loan schemes. Here are the top 10 startup business schemes offered by the Government of India:
- Pradhan Mantri Mudra Yojana (PMMY)
Launched in 2015, PMMY provides loans up to Rs 10 lakh to small enterprises. These loans fall under Mudra (Micro Units Development & Refinance Agency) and are offered by commercial banks, RRBs, small finance banks, MFIs, and NBFCs.
- 2. Stand Up India Scheme Launched in 2016, this scheme offers bank loans ranging from Rs 10 lakh to Rs 1 crore. It targets SC/ST or women entrepreneurs in the manufacturing, service, and trade sectors, focusing on greenfield enterprises.
Credit Guarantee Fund Scheme (CGMSE)
This scheme, launched in 2000, provides collateral-free credit to small enterprises. It is implemented by the Ministry of MSMEs and SIDBI through a trust called Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE).
- 4. Small Industries Development Bank of India (SIDBI) Established in 1990, SIDBI is the apex regulatory body for micro, small, and medium enterprise finance companies in India. It provides refinance facilities, term lending, and working capital, playing a crucial role in the MSME sector. 1990-ൽ രൂപീകരിച്ച ചെറുകിട വ്യവസായ വികസന ബാങ്ക് ഓഫ് ഇന്ത്യ (SIDBI), ഇന്ത്യയിലെ മൈക്രോ, ചെറുകിട, ഇടത്തരം എൻ്റർപ്രൈസ് ഫിനാൻസ് കമ്പനികളുടെ മൊത്തത്തിലുള്ള ലൈസൻസിംഗിനും നിയന്ത്രണത്തിനുമുള്ള അപെക്സ് റെഗുലേറ്ററി ബോഡിയാണ്. ബാങ്കുകൾക്കും ധനകാര്യ സ്ഥാപനങ്ങൾക്കും റീഫിനാൻസ് സൗകര്യങ്ങൾ നൽകുക, വ്യവസായ മേഖലയിൽ ടേം ലെൻഡിംഗിലും പ്രവർത്തന മൂലധനം നൽകുന്നതിനും MSME മേഖലയിലെ പ്രധാന ധനകാര്യ സ്ഥാപനമായി പ്രവർത്തിക്കുന്നതിനും വേണ്ടിയാണ് SIDBI പ്രവർത്തിക്കുന്നത്.
Udyogini
Udyogini is a women-centric business loan scheme aimed at the welfare and development of Indian women entrepreneurs. It offers interest-free loans without discrimination.
വാഗ്ദാനം ചെയ്യുന്നു.
6. Coir Udyami Yojana (CUY)
Launched in 2014, CUY is a credit-linked subsidy scheme to help entrepreneurs set up rope manufacturing units in India.
Bank Credit Facilitation Scheme
Launched in 2014, this scheme provides financial support to micro, small, and medium enterprises, aiding in loan facilitation and submission of proposals to financial institutions.
Sustainable Finance Plan
Launched by SIDBI, this scheme provides funds for projects focusing on energy efficiency and clean generation.
Credit Linked Capital Subsidy Scheme
This scheme, launched in 2000, aims to promote technology in small-scale industries by providing a 15% capital subsidy on investments up to Rs 1 crore.
National Bank for Agriculture and Rural Development (NABARD)
Established in 1982, NABARD plays a crucial role in regulating regional rural banks and apex cooperative banks, contributing to rural social reforms and enterprises.
