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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24 Oct 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

Stand Up India Scheme

The Stand Up India Scheme facilitates bank loans between ₹10 lakh and ₹1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch. It targets greenfield enterprises in manufacturing, services, trading, and activities allied to agriculture, offering capped interest rates and reduced margin money requirements.

Incentive

Composite loan of ₹10 Lakh to ₹100 Lakh; Interest rate capped at MCLR + 3% + tenor premium; Repayment tenure up to 7 years with 18 months moratorium; Margin money reduced to 15%

Ministry of Finance, Government of India· Up to ₹1 CrActive

MSME Scheme

Procurement and Marketing Support (PMS) Scheme

The Procurement and Marketing Support (PMS) Scheme is a central government initiative designed to enhance the marketability of products and services of Micro and Small Enterprises (MSEs). It offers substantial financial assistance for participating in domestic trade fairs, adopting bar codes, onboarding onto e-commerce platforms, and developing retail outlets for Geographical Indication (GI) products. The scheme provides up to 100% space rent subsidies for special category units and infrastructure grants of up to Rs. 30 lakhs for retail outlets.

Incentive

Space rent subsidy 80% (General) or 100% (SC/ST/Women/NER/PH/Aspirational Districts) up to Rs. 1.50 Lakh (Metro) / Rs. 0.80 Lakh (Other); Contingency travel/freight 100% up to Rs. 0.25 Lakh; Bar code reimbursement 80% up to Rs. 0.5065 Lakh; E-commerce subsidy 75% up to Rs. 0.25 Lakh/yr; Retail outlet GIA up to Rs. 15.00 Lakh

Ministry of Micro, Small and Medium Enterprises, Office of the Development Commissioner (MSME)· Up to ₹30 LActive

MSME Scheme

MSE Green Investment and Financing for Transformation (MSE-GIFT)

The MSE Green Investment and Financing for Transformation (MSE-GIFT) scheme, launched by the Ministry of MSME and implemented by SIDBI, supports Micro and Small Enterprises in adopting green and energy-efficient technologies. It offers a 2% per annum interest subvention on term loans up to ₹200 lakhs for up to 5 years, alongside a Risk Sharing Facility providing up to 85% credit guarantee coverage. The scheme has a total outlay of ₹47,800 lakhs and is active until March 31, 2026.

Incentive

Interest subvention of 2% p.a. (up to 5 years) on term loans of ₹10L–₹200L; Credit guarantee coverage of 75%–85% under Risk Sharing Facility; 10% guarantee fee concession for priority categories.

Ministry of Micro, Small & Medium Enterprises, Government of India· Up to ₹478 CrActive

MSME Scheme

Prime Minister's Employment Generation Programme (PMEGP)

A credit-linked subsidy scheme by the Ministry of MSME to promote self-employment through new micro-enterprises. It offers capital subsidies (Margin Money) of 15% to 35% on project costs up to ₹50 Lakhs for manufacturing and ₹20 Lakhs for service units, with bank finance covering the balance.

Incentive

Margin Money Subsidy: 15% to 25% for General Category (Urban/Rural); 25% to 35% for Special Category (Urban/Rural); Second loan subsidy of 15% to 20% for existing units

Ministry of Micro, Small and Medium Enterprises, Government of India· Up to ₹20 LActive

MSME Scheme

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

The MSE-CDP scheme by the Ministry of MSME provides financial assistance for setting up Common Facility Centers (CFCs) and developing Infrastructure Development (ID) projects. It offers capital grants up to 80% of project costs, with a maximum project ceiling of ₹30 crore for CFCs and ₹15 crore for ID projects, targeting micro and small enterprise clusters across India.

Incentive

CFC Grant: 60%–70% of project cost (up to 80% for special categories) for projects up to ₹30 Cr; ID Grant: 60% of project cost (up to 70% for special categories) for new estates up to ₹15 Cr and upgradation up to ₹10 Cr

Ministry of Micro, Small and Medium Enterprises, Government of India· Up to ₹21 CrActive

MSME Scheme

Consortia and Tender Marketing Scheme

A central scheme by NSIC that assists Micro and Small Enterprises (MSEs) in marketing their products collectively by forming consortia. It enables them to joint-bid for bulk tenders, offering key benefits like free tender documents, Earnest Money Deposit (EMD) waivers, and price preferences up to 15%.

Incentive

Free tender documents (100% waiver); EMD exemption (100% waiver); Price preference up to 15% (L1+15% band); Security deposit waiver up to SPRS limit

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

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Scheme	Incentive type	Rate	Min. investment	Deadline
Stand Up India Scheme	Credit facilitation and loan scheme with interest rate cap and margin money concession	Composite loan of ₹10 Lakh to ₹100 Lakh; Interest rate capped at MCLR + 3% + tenor premium; Repayment tenure up to 7 years with 18 months moratorium; Margin money reduced to 15%	₹10 L	Open
Procurement and Marketing Support (PMS) Scheme	Marketing support, capacity building, and retail infrastructure subsidies	Space rent subsidy 80% (General) or 100% (SC/ST/Women/NER/PH/Aspirational Districts) up to Rs. 1.50 Lakh (Metro) / Rs. 0.80 Lakh (Other); Contingency travel/freight 100% up to Rs. 0.25 Lakh; Bar code reimbursement 80% up to Rs. 0.5065 Lakh; E-commerce subsidy 75% up to Rs. 0.25 Lakh/yr; Retail outlet GIA up to Rs. 15.00 Lakh	—	Open
MSE Green Investment and Financing for Transformation (MSE-GIFT)	Composite MSME package (Interest Subvention + Credit Guarantee)	Interest subvention of 2% p.a. (up to 5 years) on term loans of ₹10L–₹200L; Credit guarantee coverage of 75%–85% under Risk Sharing Facility; 10% guarantee fee concession for priority categories.	₹10 L	Upcoming
Prime Minister's Employment Generation Programme (PMEGP)	Credit-linked Capital Subsidy (Margin Money)	Margin Money Subsidy: 15% to 25% for General Category (Urban/Rural); 25% to 35% for Special Category (Urban/Rural); Second loan subsidy of 15% to 20% for existing units	—	Open
Micro and Small Enterprises Cluster Development Programme (MSE-CDP)	Capital grant for Common Facility Centers (CFCs) and Infrastructure Development (ID) projects	CFC Grant: 60%–70% of project cost (up to 80% for special categories) for projects up to ₹30 Cr; ID Grant: 60% of project cost (up to 70% for special categories) for new estates up to ₹15 Cr and upgradation up to ₹10 Cr	₹5 Cr	Open

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