Category guide

MSME Schemes in India

Schemes built for micro, small and medium enterprises - collateral-free credit guarantee (CGTMSE), margin-money subsidy (PMEGP), interest subvention, and the Udyam registration that unlocks them all.

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9 Sept 2026

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Schemes

MSME Schemes schemes

Each scheme page gives you the key facts publicly; full application detail unlocks with credits.

MSME Scheme

Emergency Credit Line Guarantee Scheme (ECLGS) 5.0

The Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 provides 100% credit guarantee coverage for MSMEs and 90% for non-MSMEs and the airline sector on additional credit facilities. It aims to help businesses tide over short-term liquidity mismatches arising from the West Asia crisis. The scheme is operative until March 31, 2027, or until the total guarantee limit of ₹2,55,000 crore is reached.

Incentive

100% guarantee cover for MSMEs, 90% for non-MSMEs and Airlines; Interest capped at 9% p.a. for Banks/FIs and 13% p.a. for NBFCs; Tenor of 5 years (MSMEs) or 7 years (Airlines); Guarantee fee Nil; Processing fee Nil

Department of Financial Services (DFS), Ministry of Finance, Government of India· Up to ₹255000 CrActive

MSME Scheme

MSME CHAMPIONS Scheme

The CHAMPIONS portal is a unified single-window platform launched by the Ministry of MSME to assist, handhold, and resolve grievances for MSMEs across India. It utilizes AI and ML to route complaints, provide advisory services in finance, marketing, and technology, and facilitate access to central and state schemes. The platform operates through 69 control rooms and supports 11 regional languages.

Incentive

Grievance redressal & handholding (ongoing); Delayed payment dispute resolution with 3x bank rate interest; Access to RAMP, LEAN, ZED, and MSME Innovative sub-schemes; Subordinate Debt & ECLGS credit support

Ministry of Micro, Small and Medium Enterprises, Government of IndiaActive

MSME Scheme

National Scheduled Caste and Scheduled Tribe Hub (NSSH) Scheme 2025

The National SC-ST Hub (NSSH) Scheme targets SC/ST owned Micro and Small Enterprises to enhance their capacity and promote public procurement participation. Key incentives include a 25% Special Credit Linked Capital Subsidy (SCLCSS) up to Rs. 25 Lakh, various competitiveness reimbursements, and marketing assistance. The scheme is operative till March 31, 2026, with a total outlay of Rs. 588 crore.

Incentive

SCLCSS Capital subsidy 25% (cap Rs. 25 lakh); Bank loan processing fee reimbursement 80% (cap Rs. 1 lakh); PBG charges reimbursement 80% (cap Rs. 1 lakh); Testing fee reimbursement 80% (cap Rs. 1 lakh); Export council membership reimbursement 80% (cap Rs. 20,000); NIRF course fee reimbursement 90% (cap Rs. 1 lakh); E-commerce membership reimbursement 80% (cap Rs. 25,000); SMAS international exhibition support up to Rs. 3 lakh; Toolkit assistance up to Rs. 50,000

Ministry of Micro, Small and Medium Enterprises, Government of India· Up to ₹25 LActive

MSME Scheme

Trade Related Entrepreneurship Assistance and Development (TREAD) Scheme for Women

The TREAD scheme is a central government initiative designed to economically empower poor, illiterate, and semi-literate women in rural and urban areas. It provides a credit-linked Government grant of up to 30% of the project cost, with the remaining 70% provided as a loan through approved lending institutions. The scheme is routed through experienced NGOs, which also receive grant assistance for capacity building, training, and counseling.

Incentive

Government grant up to 30% of total project cost; remaining 70% as loan assistance; Training grant up to ₹1.00 lakh per programme; Need-based grant up to ₹5.00 lakhs for research/surveys

Office of the Development Commissioner (MSME), Ministry of Micro, Small and Medium Enterprises, Government of IndiaActive

MSME Scheme

Scheme of Fund for Regeneration of Traditional Industries (SFURTI)

SFURTI is a central government cluster development scheme that organizes traditional industries and artisans into competitive collectives. It provides financial assistance of up to ₹500 lakhs for setting up common production facilities, raw material banks, and soft interventions like skill training, design support, and market linkages.

Incentive

Grant up to ₹250 lakhs for clusters up to 500 artisans; Grant up to ₹500 lakhs for clusters with >500 artisans; Soft interventions up to ₹25 lakhs

Ministry of Micro, Small and Medium Enterprises, Government of India· Up to ₹5 CrActive

MSME Scheme

Micro & Small Enterprises - Cluster Development Programme (MSE-CDP)

A flagship central scheme by the Ministry of MSME to enhance the productivity, competitiveness, and capacity of Micro and Small Enterprises (MSEs). It provides financial assistance (grants) of 60% to 90% for setting up Common Facility Centres (CFCs) up to Rs. 20 crore, and Infrastructure Development projects up to Rs. 15 crore.

Incentive

GoI grant of 70%–90% for CFCs (max project cost ₹20 Cr); GoI grant of 60%–80% for Infrastructure Development (max ₹10–15 Cr); GoI grant of 60%–80% for Marketing Hubs (max ₹10 Cr); up to ₹10 Lakhs for Thematic Interventions; up to ₹5 Cr for State Innovative Cluster Co-funding.

Ministry of Micro, Small and Medium Enterprises, Government of India· Up to ₹18 CrActive

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Scheme	Incentive type	Rate	Min. investment	Deadline
Emergency Credit Line Guarantee Scheme (ECLGS) 5.0	Credit Guarantee Scheme (100% cover for MSMEs, 90% for non-MSMEs/Airlines)	100% guarantee cover for MSMEs, 90% for non-MSMEs and Airlines; Interest capped at 9% p.a. for Banks/FIs and 13% p.a. for NBFCs; Tenor of 5 years (MSMEs) or 7 years (Airlines); Guarantee fee Nil; Processing fee Nil	—	Upcoming
MSME CHAMPIONS Scheme	Composite state package (capital/turnover/investment subsidy + exemptions + boosters)	Grievance redressal & handholding (ongoing); Delayed payment dispute resolution with 3x bank rate interest; Access to RAMP, LEAN, ZED, and MSME Innovative sub-schemes; Subordinate Debt & ECLGS credit support	—	Open
National Scheduled Caste and Scheduled Tribe Hub (NSSH) Scheme 2025	Composite central package (capital subsidy, fee reimbursements, marketing assistance, and capacity building)	SCLCSS Capital subsidy 25% (cap Rs. 25 lakh); Bank loan processing fee reimbursement 80% (cap Rs. 1 lakh); PBG charges reimbursement 80% (cap Rs. 1 lakh); Testing fee reimbursement 80% (cap Rs. 1 lakh); Export council membership reimbursement 80% (cap Rs. 20,000); NIRF course fee reimbursement 90% (cap Rs. 1 lakh); E-commerce membership reimbursement 80% (cap Rs. 25,000); SMAS international exhibition support up to Rs. 3 lakh; Toolkit assistance up to Rs. 50,000	—	Open
Trade Related Entrepreneurship Assistance and Development (TREAD) Scheme for Women	Credit-linked grant and training subsidy routed through NGOs	Government grant up to 30% of total project cost; remaining 70% as loan assistance; Training grant up to ₹1.00 lakh per programme; Need-based grant up to ₹5.00 lakhs for research/surveys	—	Open
Scheme of Fund for Regeneration of Traditional Industries (SFURTI)	Cluster development grant (Hard & Soft interventions)	Grant up to ₹250 lakhs for clusters up to 500 artisans; Grant up to ₹500 lakhs for clusters with >500 artisans; Soft interventions up to ₹25 lakhs	—	Open

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