MSME SchemeActiveJharkhand

Jharkhand Micro, Small and Medium Enterprises (Special Concession) Act, 2025

The Jharkhand MSME (Special Concession) Act, 2025 exempts micro, small, and medium enterprises from certain approvals and inspections for up to 3 years or until commercial production begins. By filing a Declaration of Intent, businesses receive an Acknowledgement Certificate that acts as a de facto approval, facilitating ease of doing business.

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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