Central government, the Government of Kerala, banks and local offices run 344 schemes, loans and services for MSMEs. We have gathered them in plain words, each with its official link, so you can see what fits before you go anywhere.
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Not sure of the size? A micro enterprise has investment in plant and machinery up to ₹2.5 crore and turnover up to ₹10 crore. Small goes up to ₹25 crore and ₹100 crore, medium up to ₹125 crore and ₹500 crore.
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KFC loans of up to ₹5 crore at an interest rate starting from 6% for new and existing MSMEs, with the state paying 3% of the interest for the first five years.
A capital subsidy for manufacturing MSMEs in Kerala, worked out as a share of what the unit invests in land, building, machinery and other fixed assets.
Interest relief that brings the effective rate to 4% on bank loans up to ₹10 lakh for MSMEs set up after 1 April 2022.
A refund of half the yearly premium when an MSME insures its business under the Bharat Sookshma or Laghu Udyam policy with one of four public sector insurers.
A grant towards the owner's share of a bank loan for new nano units in manufacturing, food processing, job work or value adding services with a project cost up to ₹10 lakh.
NORKA Roots pays a capital subsidy and an interest subsidy on a bank loan for a business started by a Keralite who has come home after at least two years of work abroad.
A grant of up to ₹2 lakh to industrial co-operative societies of skilled and semi-skilled workers in the unorganised sector, for tools, working capital and training.
Infrastructure funding for colleges and universities that turn unused campus land into an industrial park, where student and other entrepreneurs can set up units.
Infrastructure funding for co-operative societies that develop an industrial park on their own land, creating space for member and other MSMEs.
State support for dairy farmers and young dairy entrepreneurs to start or expand cow units, build cattle sheds, buy milking machines and improve farm hygiene.
A refund of part of the interest on term loans taken by nano and household units with fixed investment up to ₹10 lakh.
KFC term and working capital loans for agro, food processing, dairy, cold storage and other agri based MSMEs, with the state paying 3% of the interest so the effective rate starts from 6%.
Bank guarantees issued by KFC for units it already finances, to back letters of credit for imports, tender bids, advance payments, retention money and raw material purchase.
A five year credit line of up to ₹50 crore for MSMEs with work orders, covering performance guarantees, work execution finance, bill discounting including government bills, and equipment finance.
Working capital limits from ₹5 lakh to ₹50 crore for MSMEs, including traders, run through a working capital account at City Union Bank under an arrangement with KFC.
KFC term loans of up to ₹50 crore for established units at least two years old that want to modernise, expand or diversify.
Loan or equity of up to ₹1 crore for Kerala start-ups that have a product and revenue and want to scale up.
KSIDC's larger loans for partnerships, LLPs and companies, from equipment loans of ₹2 crore upward to term loans of ₹5 to 60 crore, plus loans against pending government contract bills.
A 'Made in Kerala' certification for products and services that meet set quality, ethical and environmental standards, with marketing support for certified enterprises.
Grants, soft loans, mentors and incubation for start-ups. Most grants need an incorporated company with a KSUM Unique ID, so an ordinary shop or small manufacturer usually does not qualify.
A bank loan of up to ₹1 lakh, with 20% paid back as a government subsidy, for people registered at an employment exchange who want to start their own small venture.
Help for MSMEs in financial stress to clear bank overdues and take a fresh bank loan under a revival plan, now part of one combined revival scheme with the defunct units scheme.
A bank loan of up to ₹10 lakh, with 25% paid back as a subsidy up to ₹2 lakh, for a group of 2 to 5 people registered at an employment exchange who start an enterprise together.
An interest-free loan of up to ₹50,000, with 25% paid back as a subsidy, for people aged 50 to 65 who are registered at an employment exchange and want to start a small business.
Interest relief for new MSMEs started on or after 1 April 2022 on bank loans up to ₹10 lakh, bringing the owner's interest down towards 4%.
Each local body picks at least one local product to develop, brand and market, with support for the project report and marketing. Owners take part through their local body.
Infrastructure funding for private developers who build an industrial estate on at least 10 acres, which creates plots and factory space that MSMEs can buy or rent.
Grants to restart manufacturing MSMEs and cashew processing units that have been shut for at least six months, or to help someone take over such a unit.
A rural enterprise programme run by Kudumbashree in selected blocks, where trained Micro Enterprise Consultants help people, mostly Kudumbashree members, plan and start a village business and reach start-up finance.
KFC loans at a concessional rate for start-ups registered with Kerala Startup Mission and DPIIT, from product development to scaling up.
A credit linked, back ended subsidy for agro processing units that do primary processing, value addition and branded packing of fruits, vegetables and other crops, except spices.
A grant of 75% of eligible project cost, up to ₹10 lakh, for start-ups in manufacturing, paid in stages from idea to prototype to production.
Margin money of 25% to 40% of the project cost from the Khadi Board on a bank loan for a village industry unit, with higher rates for women, OBC, minority, SC and ST applicants.
One time funding for infrastructure in public private partnership industrial estates built on land owned by panchayats, municipalities and corporations.
Fairs where Kerala MSMEs can show and sell products, including the Kerala pavilion at the India International Trade Fair in Delhi, the Machinery Expo, food and agro fairs and the Malabar Craft Mela.
A state export policy with incentives for export infrastructure and export turnover. The published page does not yet give an application route.
The state's industrial policy sets out incentives for enterprises in 22 priority sectors. Some are paid through running schemes such as ESS and KELS, others have no published application route.
A capital subsidy for small and marginal farmers and farm workers from economically weaker forward community families who start dairy farming.
A programme to help 1,000 established Kerala MSMEs grow to ₹100 crore turnover in four years, with capital subsidy and interest support for the units selected.
A 3% interest subsidy on term loans taken by self-help groups or joint liability groups of unemployed people from economically weaker forward community families to start a business.
A Covid relief scheme that refunded half the interest for 12 months on new or extra loans taken by manufacturing MSMEs between 1 April 2019 and 31 December 2021. New loans no longer qualify.
A loan of up to ₹2 lakh at 4% for Scheduled Tribe women starting or running a small enterprise.
A self-employment loan of up to ₹2 lakh at 4% for Scheduled Tribe women with family income up to ₹3 lakh.
A one time grant for registered handicraft artisans who set up a micro enterprise, towards machinery and other fixed assets and working capital.
A loan of up to ₹8 lakh at 7% to buy an electric or CNG vehicle for self-employment, with a 20% subsidy up to ₹1 lakh from the Backward Classes Development Department.
A KFC loan of up to ₹20 crore for footwear manufacturers with a 2% interest subsidy in the first year, announced in the January 2026 budget. It is not listed on the KFC site.
A loan of up to ₹5 lakh at 8.5% to 9% for people from backward class and minority communities with family income up to ₹8 lakh who want to start or grow a small business.
A business loan of up to ₹30 lakh at 9.5% to 10% for people from backward class and minority communities whose family income is above ₹8 lakh.
Small loans at 6% for members of self-help groups from backward class and minority communities, lent through Kudumbashree CDS and NGOs.
A self-employment loan of up to ₹30 lakh for returned emigrants, run with NORKA Roots under NDPREM, with a 15% capital subsidy up to ₹3 lakh and 3% interest subsidy for four years.
A self-employment loan for people from backward classes with family income up to ₹3 lakh, at 6% up to ₹1.25 lakh and 8% above, funded by the national backward classes corporation.
Self-employment loans for people from notified minority communities, up to ₹20 lakh at 6% for family income up to ₹3 lakh and up to ₹30 lakh for income up to ₹8 lakh.
A start-up loan of up to ₹20 lakh for professionally qualified young people from backward classes, with a 20% subsidy up to ₹2 lakh from the Backward Classes Development Department.
A working capital loan of up to ₹3 lakh at 8% for small businesses run by people from backward class and minority communities with family income up to ₹3 lakh.
A loan at 7% for Scheduled Caste and Scheduled Tribe people starting a small viable project costing up to ₹3 lakh.
A self-employment loan of up to ₹20 lakh at 6% to 8% for Scheduled Caste and Scheduled Tribe returnees recommended by NORKA Roots, with NORKA's capital and interest subsidies.
A loan of up to ₹50 lakh at 7% for young Scheduled Caste and Scheduled Tribe entrepreneurs, innovators and student entrepreneurs with technology-driven projects.
A loan at 6% for Scheduled Tribe entrepreneurs for any income-generating activity costing up to ₹4 lakh.
A loan for Scheduled Caste and Scheduled Tribe entrepreneurs for units in agriculture, industry, trade or commerce with investment up to ₹25 lakh.
A loan of up to ₹5 lakh at 8% for Scheduled Caste professionals such as doctors, engineers, chartered accountants and pharmacists to set up their own practice.
A loan at 7% to 8% for Scheduled Caste and Scheduled Tribe drivers to buy a vehicle costing up to ₹10 lakh, including used vehicles up to 3 years old.
A working capital loan of up to ₹10 lakh at 4% for Scheduled Caste petroleum dealers.
Low-interest loans for Scheduled Caste and Scheduled Tribe women in Kudumbashree groups, up to ₹1 lakh each through a CDS or up to ₹5 lakh per group of up to 10 women.
KSIDC loans of up to ₹50 lakh for running manufacturing or service businesses at least 51% owned and managed by women, with relaxed collateral.
A loan of up to ₹5 lakh at 8% for minority community members who already run a viable small business and want to grow it.
Small loans of up to ₹1 lakh to ₹1.5 lakh per member for minority community self-help group members, lent through NGOs with a track record in micro credit.
A self-employment loan of up to ₹10 lakh at 5% for minority community members who have returned from abroad to settle in Kerala, if they apply within a year of return.
Self-employment loans from the national minorities finance corporation, through KSMDFC, up to ₹20 lakh at 6% or ₹30 lakh at 6% to 8%, for farming, fishing, cottage industry, trades, small business, transport and professional services.
A self-employment loan of up to ₹20 lakh at 8% from KSMDFC's own funds for minority community members with family income up to ₹15 lakh.
A self-employment loan of up to ₹5 lakh at 8% for women from backward classes whose family income is ₹3 lakh to 8 lakh, above the limit for the national corporation loans.
Small loans for women in self-help groups, lent through Kudumbashree CDS, typically up to ₹1 lakh per member at 5% to 8%.
A self-employment loan of up to ₹3 lakh at 3% for transgender persons, or up to ₹5 lakh for a group.
A self-employment loan of up to ₹5 lakh at 8% from the state women's corporation, open to women of any community with family income up to ₹8 lakh.
A loan of up to ₹50,000 for women street vendors, women running small businesses and single mothers from any community with family income up to ₹1.2 lakh.
A self-employment term loan of ₹1.25 lakh to 45 lakh at 8% for Scheduled Caste women with family income up to ₹3 lakh.
Self-employment term loans for women from backward classes with family income up to ₹3 lakh, from ₹1.25 lakh at 7% up to ₹25 lakh at 8%.
Self-employment term loans of up to ₹30 lakh at 6% for women from notified minority communities, with a separate Virasat line for artisans.
An interest-free self-employment loan of ₹50,000 to ₹1 lakh, half of it a subsidy, plus career guidance and coaching, for persons with disabilities registered at an employment exchange.
A ₹100 crore scheme announced in the June 2026 revised budget to help set up 10,000 new MSMEs, with funds and mentors. Details and rules have not been published.
A loan at 6% for Scheduled Caste entrepreneurs setting up small industrial ventures costing up to ₹4 lakh.
A small loan at 4% for Scheduled Caste women entrepreneurs, for units costing up to ₹60,000.
Interest free working capital loans for women from fishing communities who sell fish, starting at ₹5,000 and rising to ₹20,000 as each loan is repaid.
Small loans to members of self help groups formed under primary fisher cooperative societies, starting at ₹10,000 and rising on repayment.
Self employment loans for fisherfolk, funded by two national development finance corporations and channelled through Matsyafed since 1997.
A small loan at 5% for Scheduled Caste people starting a low-investment trade or small industry costing up to ₹60,000.
A scheme announced in the January 2026 budget to help 1,00,000 nano and micro enterprises reach at least ₹1 crore turnover with financial and technical support. Its status after the change of government is not known.
A self-employment loan of up to ₹30 lakh for women who have come home after at least two years abroad, with a NORKA capital subsidy and interest subsidy.
A loan of up to ₹5 lakh from KSFE or Kerala Bank for a returned emigrant setting up or improving a micro or small enterprise, with a NORKA capital subsidy and interest subsidy.
A self-employment loan of up to ₹5 lakh at 7% for widows, with 20% of the loan, up to ₹1 lakh, paid as a subsidy by the Backward Classes Development Department.
An interest-free revolving fund of ₹10,000 per member, rising to ₹20,000, for joint liability groups of fisherwomen in fish vending, drying, peeling and other fishing work, so they need not borrow from moneylenders.
An interest-free working capital fund of ₹25,000 to ₹1 lakh for fisherwomen activity groups that want to expand an existing micro enterprise, repaid in 20 instalments.
An interest-free loan of up to ₹50,000, half of it written off as a subsidy, for widows, divorced or deserted women and other women without support who are registered at an employment exchange.
A self-employment loan of up to ₹50 lakh for persons with 40% or more disability, lent through the state disability welfare corporation against property or a salary guarantee.
A KSMDFC self-employment loan with a government subsidy of up to ₹1 lakh for widows, divorced women and abandoned women from minority communities.
A back-end subsidy of up to ₹1 lakh from the state disability welfare corporation on a bank loan of up to ₹10 lakh taken by a person with a disability to start self-employment.
A grant of 75% of the project cost, up to ₹1 lakh per member, for groups of 2 to 5 women from fisher families to start a micro enterprise, with a small bank loan for the rest.
The state campaign begun in 2022-23 to start one lakh enterprises a year, which brought together loans at 4% interest, licences through K-SWIFT and local help desks in every panchayat and municipality.
A start-up subsidy from Kudumbashree for women's micro enterprises, up to ₹10,000 per member or half the project cost for groups, and ₹7,500 or up to a third of the cost for individual units.
A refund of infrastructure costs for non-resident Keralites, returnees or their families who develop a private industrial estate or standard design factory on their own or leased land.
Up to ₹3 crore back from the state for building roads, power, water and common facilities when non-resident or returned Keralites develop a private industrial estate or standard design factory on their own land.
State Khadi and Village Industries Boards are one of the agencies that take PMEGP applications, so a rural owner in Kerala can apply for the central PMEGP margin money subsidy through a KKVIB district office.
A KSIDC loan of ₹25 lakh to ₹2 crore for larger enterprises by returned emigrants and NRK investors, with NORKA paying part of the interest for four years.
An interest-free loan of up to ₹2 lakh, given through Kudumbashree, for returned emigrants with low income and savings to start a small enterprise.
A self-employment loan of up to ₹5 lakh for women whose family lost its main earner to Covid-19, with 20% written off for prompt repayment.
A loan subsidy for joint liability groups of women from economically weaker forward community families to run a low-cost Thoosanila mini cafe.
A capital subsidy of 40% of the cost of an electric auto rickshaw for women from economically weaker forward community families, to earn a living.
A grant for established agri businesses such as food processors, exporters, supermarket chains and e-commerce platforms that build a buying partnership with a Kerala farmer producer company.
A 35% capital subsidy, up to ₹10 lakh, on bank loans for setting up or upgrading micro food processing units, plus seed capital for SHG members and support for shared facilities and branding.
A bank loan with a one-time government subsidy for setting up a new micro enterprise outside farming, for anyone over 18.
A government-backed guarantee that lets banks lend to micro and small enterprises without collateral or a third-party guarantee, for loans up to ₹10 crore.
Collateral-free loans up to ₹20 lakh from banks and other lenders for small non-farm businesses in manufacturing, trading, services and allied farm activities.
Micro and small manufacturers, startups and women-led units pay a much lower annual minimum marking fee for the BIS ISI mark, until 31 May 2029.
A machinery subsidy for licensed coffee curing works that install new or upgraded curing machinery such as graders, colour sorters and dryers.
Insurance from the government-owned ECGC that pays an exporter most of the loss if an overseas buyer or the buyer's country fails to pay, with simpler policies for small exporters.
Lets exporters import capital goods at zero customs duty, or buy them locally with benefits, in return for meeting an export obligation.
A ₹25,060 crore mission for FY 2025-26 to 2030-31 that brings export finance and export marketing support under one roof, with a focus on MSMEs, first-time exporters and labour-intensive sectors.
Pays part of the cost for MSMEs to take part in international trade fairs and business delegations abroad.
Support for registered khadi institutions, a production-linked grant shared with spinners and weavers, and bank loans at 4% interest with KVIC paying the rest.
Individuals, startups and small businesses pay much lower official fees to file patents, designs and trade marks in India.
A 2% interest subvention and a 75% credit guarantee on loans of up to ₹2 crore that micro and small enterprises take to adopt green and clean technologies.
A 25% capital subsidy on plant and machinery for micro and small enterprises moving existing operations to circular economy practices such as recycling and reuse.
Pays most of the cost of hiring professional designers to create new products or design strategies, or of student design projects for an MSME.
Pays back the cost of getting a patent, trademark, design or GI registration for MSMEs, and funds IP Facilitation Centres that help with filing.
A subsidised Zero Defect Zero Effect certificate at Bronze, Silver or Gold level that rates an MSME's quality and environmental practices and unlocks incentives from banks, states and the ministry.
Helps micro and small enterprises start selling online on the ONDC network, paying for catalogue creation, account management, packaging and logistics support.
Large grants for groups of micro and small units to set up shared common facility centres, or for states to build or upgrade industrial estates.
NSIC finances an MSME's purchase of raw material, Indian or imported, and gives up to 180 days to repay, backed by a bank guarantee.
A registration with NSIC that lets a micro or small manufacturer or service unit get government tender documents free, skip the earnest money deposit and use purchase preference.
Support for artisans and craftspeople in 18 traditional trades, with recognition, paid skill training, a toolkit voucher, cheap collateral-free loans, digital payment incentives and marketing help.
A second bank loan with a 15% subsidy for well-run units first set up under PMEGP, REGP or MUDRA that want to expand or upgrade.
Two very cheap yearly covers that anyone with a bank or post office account can join, accident cover of ₹2 lakh for ₹20 a year and life cover of ₹2 lakh for ₹436 a year, useful for owners and their staff.
A ₹6,062 crore World Bank backed programme for 2022 to 2027 that funds state MSME plans and several sub-schemes, including MSME TEAM, MSE GIFT, MSE SPICE and the ODR portal.
Exporters get back embedded central, state and local taxes not refunded elsewhere, as transferable duty credits at notified rates per export product.
The Spices Board's support scheme for spice exporters, farmers and farmer producer organisations, covering value addition, processing equipment, quality and export promotion.
A central financing facility launched in 2020-21 for post-harvest infrastructure at the farm gate, such as storage, logistics and processing.
A 3% interest subvention on loans covering up to 90% of project cost for businesses investing in dairy and meat processing, animal feed, breeding farms, vaccines and animal waste projects.
A machinery subsidy for anyone setting up a new coffee roasting, grinding and packaging unit, including coffee cafes, self help groups and growers' collectives.
A plan announced in Budget 2026-27 to train accredited para-professionals, especially in smaller towns, who will help MSMEs meet compliance requirements at low cost. Not yet running.
A business credit card with a revolving limit of up to ₹5 lakh for micro enterprises registered on Udyam, backed by a government guarantee.
A government guarantee that helps DPIIT-recognised startups borrow without collateral from banks, NBFCs and venture debt funds, up to ₹20 crore per startup.
The old capital subsidy scheme for technology upgrading. It has been replaced by the MSME Champions scheme and is not open.
A government fund of funds that invests in SEBI-registered venture capital funds, which in turn invest equity in startups.
The old interest support on export credit, now folded into the Export Promotion Mission.
A pilot scheme that reimburses part of the capital cost of super intensive aquaculture units, such as biosecure shrimp culture systems, that are already running.
Helps MSMEs cut waste and raise productivity using lean manufacturing methods, with a free basic level and heavily subsidised consultant support at higher levels.
The old export marketing support scheme, now folded into the Export Promotion Mission as Market Access Support.
A 60% government guarantee on bank loans up to ₹100 crore that MSMEs take to buy plant, machinery or equipment, with better terms for established exporters.
When a business takes on apprentices through the apprenticeship portal, the government pays a quarter of each apprentice's stipend, up to ₹1,500 a month, straight to the apprentice.
Capital subsidy for setting up livestock breeder farms and fodder enterprises, open to individuals, FPOs, SHGs, cooperatives and Section 8 companies.
A grant of 35% of eligible cost, up to ₹5 crore, for setting up or expanding food processing and preservation units, given when proposals are invited.
Grants of up to ₹10 crore for building agro-processing clusters with shared infrastructure and processing units, run by a project execution agency.
Grants of up to ₹10 crore for cold chain projects such as pack houses, cold storage, reefer transport, processing with frozen storage, and food irradiation units.
A fisheries scheme that gives micro and small fish businesses a performance grant of up to 25% of their investment, more for women and SC or ST owners, plus help with loans and aquaculture insurance, after registering on the National Fisheries Digital Platform.
Support for fisheries and aquaculture projects, including an entrepreneurship model with assistance of up to ₹1.3 crore for integrated fish businesses, technology projects and hygienic fish marketing.
The government pays EPFO-registered employers up to ₹3,000 a month for each extra employee they hire and keep, for jobs created between 1 August 2025 and 31 July 2027.
Helps micro and small enterprises reach new markets, mainly by paying part of the cost of taking part in domestic trade fairs and exhibitions, plus vendor development and marketing workshops.
A new ₹10,000 crore government commitment to an equity fund that will invest growth capital directly in high-potential small and medium enterprises, mainly manufacturers.
A scheme announced in Budget 2026-27 to revive 200 legacy industrial clusters through infrastructure and technology upgrades. Not yet open.
A fund of funds that puts equity into MSMEs with the potential to grow larger, through private equity and venture capital daughter funds.
The Tea Board's main support scheme for small tea growers, their self help groups and producer organisations, mini tea units and tea exporters, which ran until 31 March 2026.
MPEDA's support for seafood processing and export units that set up or modernise value added processing, cold storage and handling infrastructure.
A credit linked, back ended subsidy for setting up, modernising or expanding units that make value added coconut products such as virgin coconut oil, desiccated coconut or coconut water.
A way for informal micro enterprises that have no GST or income tax registration to get formally recognised so they can count as priority sector borrowers at banks.
A 100% government guarantee for extra collateral-free working capital to exporters, which ran from December 2025 until 31 March 2026.
Extra working capital loans with a full government guarantee for MSMEs hit by the West Asia crisis, sanctioned through existing lenders until March 2027 or until the guarantee pool runs out.
Grants for clusters of traditional artisans and producers to get shared facilities, training, design and marketing help through an implementing agency.
Early money for DPIIT-recognised startups for proof of concept, prototypes, product trials, market entry and commercialisation, given through selected incubators.
KVIC trains village artisans and gives them machines and toolkits, such as electric potter's wheels and bee boxes, under the Gramodyog Vikas Yojana.
The central handloom programme that gives weavers margin money on bank loans, worksheds and better looms through clusters, marketing fairs, insurance and scholarships.
A bundle of subsidies, reimbursements and training for SC and ST owned micro and small enterprises, aimed especially at winning government orders.
Small working capital loans in three rising tranches for street vendors, with interest subsidy, digital cashback and a UPI-linked credit card for good repayers.
The Coir Board's umbrella scheme for coir units and workers, covering production infrastructure, skills and Mahila Coir Yojana, domestic and export market promotion, welfare and support services.
The central programme for handicraft artisans, reached through the Pehchan artisan card, which brings training, toolkits, marketing events, help with MUDRA loans, insurance and awards.
Bank loans of ₹10 lakh to ₹1 crore for SC, ST and women entrepreneurs setting up a new enterprise. The original scheme ended in March 2025 and a revamped version has been announced but not launched.
The Rubber Board's support scheme for rubber growers, rubber producer societies, planting material, processing and research for 2023-24 to 2025-26.
A scheme announced in Budget 2025-26 to give term loans of up to ₹2 crore to 5 lakh first-time women, SC and ST entrepreneurs over five years. Not yet open.
Training for women coir artisans in spinning and other coir work, followed by help to buy motorised spinning equipment so they can work from home.
Free online registration that records a business as a micro, small or medium enterprise and is the entry ticket to most MSME schemes, guarantees and protections.
A buyer must pay a micro or small supplier within the agreed time, never more than 45 days from acceptance, or within 15 days if nothing was agreed in writing, or owe heavy interest.
Since 30 June 2026, every operating central public sector enterprise must route the settlement of invoices from MSME suppliers through an RBI authorised TReDS platform.
Banks must decide on a loan application of up to ₹25 lakh from a micro or small enterprise within 14 working days.
When you borrow through an app or online platform, the lender must pay the platform's fees itself, send the money straight to your bank account, and give you a Key Facts Statement and a cooling-off period.
Every food business needs an FSSAI basic registration or a licence, and since 1 April 2026 a business with turnover up to ₹1.5 crore needs only the basic registration, which no longer has to be renewed.
An RBI framework that lets an MSME in difficulty, with bank loans up to ₹25 crore, ask its bank to agree a plan to put the account right, restructure it, or as a last step recover it.
A code from DGFT, issued online against the business PAN, that any business needs before it imports or exports goods.
A new MSME outside the pollution Red category can file a declaration on K-SWIFT and get a certificate that stands in for state licences for three years and six months, so it can start work first and get the licences within that time.
Before you sign an MSME term loan, the lender must give you a Key Facts Statement in plain language with the annual cost of the loan, every charge and the repayment schedule.
The investment and turnover limits that decide whether a business counts as micro, small or medium, in force from 1 April 2025.
The 2026 changes to the MSME law that make registration free and voluntary in law, force central public sector companies to pay MSMEs through TReDS, and set time limits for payment disputes, brought into force in stages.
Banks must not take collateral security from a micro or small enterprise on loans up to ₹20 lakh sanctioned or renewed from 1 April 2026.
Lenders cannot charge a micro or small enterprise for paying off a floating rate business loan early, in part or in full, on loans sanctioned or renewed from 1 January 2026.
Since 1 January 2024, a lender can only levy a reasonable penal charge for a missed payment or other breach of loan terms, not add penal interest to your rate, and it cannot charge interest on that penalty.
Banks must put a fixed share of their lending into priority sectors, with 7.5% set aside for micro enterprises, so lending to micro and small units is something every bank is measured on.
RBI warns small businesses and individuals against unauthorised lending apps and agents that promise quick loans and then charge high interest and hidden costs, misuse phone data and use harsh recovery.
A free RBI route to complain about a bank, NBFC or other RBI regulated entity when it has not resolved your complaint within 30 days.
Free DPIIT recognition for innovative companies, LLPs, partnerships and cooperatives under 10 years old, which opens a tax holiday, self-certification, cheaper IP filing and startup-only funding.
Online platforms licensed by RBI where MSMEs can sell invoices raised on larger buyers to banks for quick cash, which central public sector companies must now use to pay MSME suppliers.
TReDS platforms authorised by RBI let an MSME sell its unpaid invoices on large buyers to banks and NBFC factors through online bidding, without recourse to the seller.
If a bank turns down an MSME loan application, it must give the borrower the main reasons in writing within its sanction time norms.
Central ministries, departments and central public sector enterprises must buy at least 25% of their yearly purchases from micro and small enterprises, with set shares for SC and ST owned and women owned units.
Budget 2026-27 announced removing the ₹10 lakh per consignment limit on exports sent by courier, and easier handling of returned and rejected e-commerce parcels, to help small sellers export online.
From 1 January 2027, banks must control how their direct selling agents sell, take your explicit consent for every product, stop making loans conditional on other products, and refund you if a product was mis-sold.
A business buyer cannot claim a tax deduction for money owed to a micro or small supplier until it actually pays, if it pays later than the MSMED Act time limit, which pushes buyers to pay on time.
A new law passed in October 2026 that will give projects above ₹25 crore one integrated clearance certificate within 75 days. It is not yet in force and does not cover small MSMEs.
CSB Bank loans for agri ancillary units setting up food and agro processing businesses.
Bank of Baroda's working capital, bank guarantee and letter of credit limits for MSMEs that work as contractors or sub-contractors.
Bank of Baroda finance for energy saving projects at micro and small units, lent to the unit or to an energy services company and repaid from the energy savings.
A credit card style limit from Bank of Baroda for small businesses that have banked with it for three years, including retail traders, artisans, village industries, professionals and the self-employed.
Dhanlaxmi Bank discounts the promissory notes the Government of Kerala issues to contractors, through a digital platform, so contractors can get their money sooner.
A Dhanlaxmi Bank loan for established manufacturers, traders, wholesalers, retailers, contractors and service providers who want to start a new line of business or grow the current one.
An ESAF Small Finance Bank loan of ₹10 to 25 lakh against collateral, for buying assets, expanding a business or working capital.
A Canara Bank working capital loan above ₹10 lakh up to ₹10 crore for GST-registered businesses that can offer property or other approved collateral.
A Canara Bank Mudra loan of up to ₹10 lakh for cafes, restaurants, self-service hotels, mobile canteens, dhabas and fast food outlets, with no collateral.
Canara Bank working capital, bank guarantees and term loans above ₹25 lakh for civil, electrical, mechanical, mining and construction contractors registered with government agencies.
A Canara Bank working capital limit of up to ₹10 lakh, with a card, for artisans, village industries and tiny micro and small units that have banked with Canara for 3 years.
Canara Bank's general term loan and overdraft above ₹10 lakh for MSMEs that can give property or approved securities as full collateral.
Canara Bank loans above ₹20 lakh up to ₹20 crore for DPIIT-recognised start-ups that already have customers and revenue.
A digital working capital loan from Canara Bank for GST-registered MSMEs in manufacturing, services or trading, sized on GST turnover, from above ₹1 lakh up to ₹5 crore.
A Dhanlaxmi Bank loan for businesses that want to expand by buying machinery and other fixed assets.
Kerala Grameena Bank working capital for MSME traders, manufacturers and service providers, drawn against stock, raw materials and money owed to the business.
A KSFE loan for chitty members who have not yet won the prize money, to bridge an urgent need until the prize comes. It is repaid from the prize money.
A Dhanlaxmi Bank loan for individuals and businesses buying new or used commercial vehicles.
A Kerala Grameena Bank term loan for contractors and sub-contractors in the MSME sector, to buy brand new equipment or office premises.
A Kerala Grameena Bank overdraft that gives working capital to civil, mining and construction contractors and sub-contractors in the MSME sector.
A digital working capital product from SIDBI, giving cash credit or overdraft to MSMEs with at least two years in business.
SBI's online route for MSME working capital and term loans of up to ₹5 crore, applied for on its contactless lending platform.
An online working capital loan from Bank of Baroda for manufacturing and service MSMEs, applied for with your GST, income tax and bank statement details.
SIDBI's own project loan for MSMEs setting up a new unit, expanding or modernising, lent directly rather than through a bank.
Cash credit from SBI for authorised dealers, stockists and distributors of large companies that have a tie-up with SBI, to buy stock.
A digitally assessed SIDBI term loan for GST registered MSMEs with at least three years in business to buy new machinery and equipment, with quick sanction.
A SIDBI loan that pays for energy saving measures at an established MSME from start to finish, including equipment, installation, civil works and commissioning.
SBI loans for DPIIT-recognised start-ups registered on Udyam and backed by a recognised incubator, accelerator or investor, up to ₹50 crore.
A SIDBI term loan for MSME green projects such as renewable energy, energy efficient buildings, waste and wastewater treatment and cleaner production.
Indian Bank finance for established civil, mechanical and electrical contractors, including sub-contractors, who carry out work orders for government departments, public sector units or reputed companies.
Indian Bank's working capital and term loan package for traders with at least a year in business, including cash credit, overdraft, bank guarantees and money to modernise a shop or office.
An online Indian Bank working capital loan for established MSMEs, where the bank checks your GST, tax returns and bank statements digitally and gives an in-principle sanction quickly.
A fully digital working capital loan from Indian Bank for existing customers who are GST registered, with the limit worked out from GST sales.
A short, collateral free Indian Bank loan against your GST sales invoices, for sole owners and proprietorship firms who need working capital while waiting to be paid.
A business credit card from Indian Bank for Udyam registered micro enterprises that bank with it, for short term and one-off working capital needs.
Indian Overseas Bank's collateral free loan for micro and small units that bank only with IOB, for machinery, premises and working capital, backed by CGTMSE cover.
A business credit card from Indian Overseas Bank for retail and wholesale traders, linked to their cash credit or overdraft, to pay for business needs digitally.
Indian Overseas Bank finance and bank guarantees for government registered contractors and sub-contractors doing works for government departments, PWD, public sector units or highly rated companies.
Indian Overseas Bank's term loan for MSMEs to put up grid connected rooftop or ground mounted solar of up to 2 MW for their own use.
A digitally sanctioned working capital limit from Indian Overseas Bank for GST registered sole owners, sized from GST sales and bank statement credits, with no collateral.
A Kerala Bank working capital loan for enterprises in manufacturing, services and trade, sized on the business's GST returns and balance sheet.
A Kerala Bank group loan for members of Kudumbashree, neighbourhood groups, self help groups and joint liability groups, for small needs and income-earning activities.
A Kerala Bank term loan or working capital loan for micro, small and medium enterprises, to start a new business or renovate an existing one. The bank says it suits small traders, businesspeople and young self-employed entrepreneurs.
A Kerala Bank loan started under the state's One Lakh Enterprises programme of 2022-23, covering 90% of the project cost for small business, service and manufacturing units with Udyam registration.
A small Kerala Bank loan for individuals who earn a living from manufacturing, contracting, farm-linked enterprise, tourism, hotels and restaurants, or owning land development machinery, even if they cannot show income tax returns or salary slips.
A small Kerala Bank loan of up to ₹5 lakh for micro, small and medium enterprises in manufacturing, services and trade, which can also pay for electric vehicles and is open to bus owners.
A Kerala Bank loan for tourism units and individuals working in travel and tourism, to build or furnish rooms and homestays, buy equipment, furniture or machinery, or renovate.
A savings-and-borrowing scheme run by KSFE under the Chit Funds Act 1982. Members pay a fixed monthly instalment and each month one member takes the pooled prize money by auction, so an owner can raise a lump sum for the business early and keep paying instalments after.
A Bank of Baroda loan or standing limit for established MSME customers to replace old machinery, modernise, upgrade technology, invest in research or buy business vehicles.
A collateral free Indian Overseas Bank term loan or cash credit of up to ₹10 lakh for small running businesses, applied for online through the JanSamarth portal.
Quick extra working capital from Indian Overseas Bank for its existing MSME borrowers who get an urgent bulk or additional order.
An Indian Bank loan against property for Udyam registered MSMEs, to expand, buy machinery or other assets, or buy, build or renovate business premises.
ESAF Small Finance Bank's range of working capital and term loans from ₹10 lakh for businesses in manufacturing, trading and services.
An unsecured SBI loan against a single GST invoice, for sole proprietor MSMEs banking with SBI, to free up cash stuck in unpaid bills from business buyers.
A CSB Bank term loan of up to ₹50 lakh for self-employed business owners and professionals who want to expand, renovate, buy stock or upgrade machinery.
Dhanlaxmi Bank lends to self help groups, directly or through NGOs, so members can take small loans for income earning work or household needs.
Kerala Grameena Bank loans under the Pradhan Mantri Mudra Yojana for setting up or upgrading micro enterprises in manufacturing, processing, trading and services, including weavers and artisans, with an online application route.
Canara Bank's tie-up with the PSB Loans in 59 Minutes platform, giving GST-registered, tax-filing MSMEs an online in-principle approval for loans of ₹2 lakh to ₹5 crore.
Union Bank of India takes MSME loan requests through the PSB Loans in 59 Minutes platform, which gives a digital approval online.
Canara Bank's Mudra loans for non-corporate micro businesses, from Shishu up to Tarun Plus. The Mudra scheme itself has its own record in this guide.
SBI's page for Mudra loans to new and existing small businesses, with an SBI link on the JanSamarth portal. The Mudra scheme itself has its own record in this guide.
A pre-approved Indian Bank term loan for business owners who already run a current account with the bank, with the amount set from the last 12 months of account activity.
A pre-approved, collateral-free overdraft of up to ₹10 lakh for existing SBI customers who run small informal businesses.
A pre-approved, collateral-free overdraft of up to ₹20 lakh for micro and small businesses that already hold an SBI current account, taken through YONO Business.
A SIDBI term loan for healthcare MSMEs such as clinics and diagnostic centres to buy CT, MRI, ultrasound, X-ray and other medical equipment.
Kerala Grameena Bank group loans for self help groups and joint liability groups, to meet members' urgent needs, cut reliance on moneylenders and fund small production work.
CSB Bank's lending for small and medium businesses, covering term loans, cash credit and overdraft, bill discounting, trade finance and commercial vehicle loans.
A digital working capital overdraft from SBI for individual and proprietor MSMEs with at least 2 years of GST data, sized at a quarter of yearly turnover.
SBI's collateral-free small business loan of up to ₹10 lakh for micro units, small shops and traders, professionals and the self-employed.
An SBI loan above ₹10 lakh up to ₹50 lakh for MSMEs in manufacturing, trading and services, decided on a simple score and covered by CGTMSE.
A SIDBI term loan for profitable MSMEs with at least three years in business to buy equipment, with quick sanction.
A SIDBI working capital loan given as a term loan, to strengthen an MSME's working capital or carry out urgent confirmed orders.
Dhanlaxmi Bank's trade services for businesses, including bank guarantees, letters of credit and export credit before and after shipment.
A SIDBI machinery loan for brand new MSMEs and young ones under three years old, to buy new machinery and equipment.
Union Bank of India finance for contractors, such as construction, electrical, mining and railway contractors.
Union Bank of India loans of ₹10 lakh to ₹50 crore to buy industrial vehicles, machinery and heavy equipment, open to existing customers, contractors and other established businesses.
A working capital loan from Union Bank of India for GST-registered MSMEs in manufacturing, trading and services, based on their GST returns.
Union Bank of India's general working capital and term loan for MSMEs, from ₹10 lakh to ₹50 crore.
Union Bank of India's Mudra loans for micro enterprises in manufacturing, trading and services, with no collateral. The Mudra scheme itself has its own record in this guide.
A cash credit limit lent directly by SIDBI to new and existing MSMEs to manage day to day cash flow.
Cash credit, overdraft, working capital loans and bill or invoice discounting from Dhanlaxmi Bank to cover the day to day money needs of a business.
A fully digital, collateral free Bank of Baroda loan for micro and small enterprises, sized from your GST returns, current account statements and latest income tax return.
Canara Bank discounts bills for completed work raised by contractors, suppliers and accredited agencies to Government of Kerala departments, institutions and local bodies.
Bank of Baroda's loan for handloom weavers to buy looms and meet working capital needs, delivered under the government's Weaver Mudra scheme with margin money help.
A revolving credit limit from Bank of Baroda for artisans who make things, covering working capital and the cost of tools and equipment.
Bank of Baroda's loan package for women led businesses, with a lower margin on machinery loans, a higher working capital limit for digital sales and collateral free cover under CGTMSE.
A Canara Bank working capital and term loan above ₹10 lakh for micro, small and medium businesses owned and managed by women, including retail traders.
A small term loan from Indian Bank for Self Help Group members, launched to help women entrepreneurs move from group microcredit to their own manufacturing, trading or service unit.
Indian Bank's loan for traditional artisans and craftspeople who hold a PM Vishwakarma certificate and ID card, delivered under the central PM Vishwakarma scheme.
Indian Overseas Bank's loan for micro and small units run by women, for machinery, premises and working capital, with CGTMSE cover in place of collateral.
A Kerala Bank loan of up to ₹5 lakh for non-resident Keralites identified by NORKA Roots, to set up a micro or small enterprise or improve an existing one, with a capital subsidy and an interest subsidy from NORKA.
A Kerala Bank loan for non-resident Keralites who lost their jobs abroad during Covid-19 and are identified by NORKA Roots, to start a new enterprise in business or farm-allied work.
A Kerala Bank group loan for women under 35 in self help groups, Kudumbashree neighbourhood groups, joint liability groups and SAF fisherwomen groups, for small needs and income-earning work.
Kerala Bank business loans for women (vanitha means woman), with smaller set amounts for food catering and for starting a beauty parlour, tailoring, tuition or day care business.
A Kerala Bank loan for entrepreneurs under 35 who run or start a micro, small or medium enterprise in manufacturing, services or trading.
Kerala Grameena Bank loans to self help groups under the National Rural Livelihoods Mission, which works mainly with women, for members' urgent needs and small production work.
Union Bank of India's online, collateral-free loan of ₹2 lakh to ₹10 lakh for women who own micro enterprises.
A KSFE chitty only for women and trans women, started for 2026-27 under the state's women empowerment initiatives, with small monthly instalments over 60 months and rewards for paying on time.
A collateral-free SBI business loan for MSMEs run and managed by women, from above ₹10 lakh up to ₹5 crore.
Kerala Grameena Bank small business loans for people from Scheduled Caste communities under National Scheduled Castes Finance and Development Corporation schemes, including one for women.
Union Bank of India's loan for MSMEs owned and managed by women, and for women's self help groups, from ₹2 lakh upwards based on need.
Union Bank of India loans of ₹10 lakh to ₹10 crore for manufacturing and service MSMEs run by young entrepreneurs aged 18 to 35.
Indian Bank's loan for handloom weavers, weaver groups and handloom societies, delivered under the government's Weaver MUDRA scheme with margin money help and no collateral.
A small unsecured ESAF loan of up to ₹25,000 for members of its micro banking groups, backed by a group guarantee and repaid at group meetings.
A Federal Bank term loan or working capital loan for micro and small enterprises, backed by a CGTMSE guarantee so less collateral is needed.
Federal Bank finance for contractors and sub-contractors doing work for government departments and public sector bodies, covering working capital, guarantees and equipment.
ESAF Small Finance Bank loans of ₹1 to 20 lakh to self help groups.
A Federal Bank online platform that gives micro, small and medium businesses an in-principle business loan approval in under 30 minutes using GST, income tax and bank statement data.
A Federal Bank working capital loan sized on a business's GST returns, for GST filers who need quick funding.
A Federal Bank overdraft against property for businesses, used for stock, running costs and supplier payments without monthly stock statements.
A NORKA Roots scheme for non-resident Keralites who have come home, run through KSFE branches, with loans of up to ₹5 lakh to set up micro and small enterprises and capital and interest subsidies from NORKA.
A Federal Bank business loan backed by gold ornaments, deposits or other approved securities, with digital onboarding and quick payout.
A South Indian Bank loan for contractors and equipment hire businesses buying construction equipment.
A South Indian Bank loan for transporters, fleet owners and other businesses carrying goods or passengers to buy commercial vehicles.
A South Indian Bank overdraft for GST registered MSMEs and agro processing units, with the limit worked out from GST returns and past accounts.
A South Indian Bank loan against residential or commercial property, used to grow a business, move a loan from another bank or combine debts.
A South Indian Bank loan of ₹10 to 50 lakh for self-employed business owners and professionals with at least 3 years in business.
A South Indian Bank gold loan that gives individuals and proprietors working capital for their business against gold jewellery.
Federal Bank bank guarantees for small businesses, including bid bonds, performance guarantees and guarantees in place of earnest money deposits for tenders.
Kerala Grameena Bank's lending under the state's Kerala Entrepreneur Loan Scheme, where the state pays part of the interest on MSME loans up to ₹10 lakh so the owner pays a net 4%.
An RBI authorised TReDS platform run by KredX, where MSMEs can get early payment on invoices accepted by their buyers.
An RBI authorised TReDS platform, a joint venture of Axis Bank and mjunction, where MSMEs can get early payment on invoices accepted by their buyers.
Kerala's online single window for applying for and renewing more than 90 clearances from 21 departments and agencies, and for the MSME in-principal approval certificate.
An RBI authorised TReDS platform where MSMEs can sell invoices accepted by their buyers and get paid early by competing financiers.
The ministry's grievance and help portal, where MSMEs can raise complaints, ask for guidance on finance, marketing, technology and other issues, and find scheme links.
The government website where micro and small suppliers file claims against buyers who pay late, with online negotiation and mediation before the Facilitation Council stage.
A national effort that picks at least one product from each district to brand, promote and export. It has no money of its own, but makers of their district's product get extra attention from GeM, PMFME and DGFT.
An RBI authorised TReDS platform where MSMEs can get early payment on invoices accepted by their buyers.
Live state-wise counts of micro, small and medium enterprises on Udyam and informal micro enterprises on the Udyam Assist Platform.
The national search site for central and state government schemes, which suggests schemes after you enter basic details such as age, income and social category.
A TReDS platform that stopped taking new customers and financing new invoices from 30 October 2026, after RBI accepted its request to give up its licence.
The online marketplace where central and many state government buyers purchase goods and services, open to MSEs, startups, women entrepreneurs and SHGs as sellers.
The department's online application and status portal for its schemes, including the nano unit grants, ASHA and the revival schemes. ESS, OFOE, KELS, Mission 1000, insurance, OLOP and Campus Industrial Park each have their own sub site.
A single government portal to check eligibility and apply online for several government-linked loan schemes, with self-service or assisted application.
A SIDBI platform launched in May 2026 that combines finding machinery with finance for buying it.
A DGFT portal that links exporters, especially small and new ones, with Indian Missions abroad, export promotion councils and trade experts, alongside DGFT's Niryat Bandhu mentoring for new exporters.
The forum of banks working in Kerala under the RBI Lead Bank Scheme, which names a lead bank for each district and reports on bank lending in the state.
SIDBI's portal for MSME loan applications and handholding, linked from SIDBI's site along with a registration route for service providers.
Two government centres where rubber, plastic and engineering MSMEs can use costly processing machines, a tool room for moulds and dies, testing labs and product development help.
FICCI's Kerala arm, which runs MSME awareness and vendor development programmes, B2B trade meetings, policy discussions and workshops on topics such as GST, intellectual property and energy efficiency.
Government industrial estates run by the Industries Department where MSMEs can be allotted land on lease, about 2,400 acres in every district except Wayanad.
Short courses run through the District Industries Centres, from a one day awareness camp to a 15 day entrepreneurship course and two day technology clinics for running units.
Industrial land and standard design factory space on lease in KSIDC parks at Alappuzha, Kannur, Kozhikode, Thiruvananthapuram, Palakkad, Ernakulam and Kasaragod.
A panel of empanelled experts at every District Industries Centre who answer owners' questions on finance, law, technology, marketing and other problems.
Grants of up to ₹15 lakh per idea, routed through approved host institutes, to turn innovative ideas from MSMEs, students and others into products, mainly through the MSME Idea Hackathon.
A network of government tool rooms and technology centres that design and make tools, dies and precision parts for MSMEs, test products and train workers.
Ready built factory floors in government industrial estates that MSMEs can rent, at Edayar, Punnapra and Puzhakkalpadom.
Contract staff placed by the Industries Department in each panchayat, municipality and corporation to find new entrepreneurs and guide them through licences, loans and space.
Short entrepreneurship, skill and management training programmes run across the country by the ministry's field offices.
The state agency that builds and runs industrial parks, food parks and standard design factory buildings, where units can lease land or built space.
A single window cell announced in the June 2026 revised budget to help investors get land, clearances and after investment support, mainly for larger projects.
A long established chamber of commerce in Kochi.
The Industries Department's institute for entrepreneurship training, running entrepreneurship development programmes, skill courses and support for college entrepreneurship clubs.
A national association of micro and small industries with a Kerala unit.
A directory published in June 2026 of NABL and BIS labs, CSIR institutes, MSME testing centres and export inspection agencies that Kerala MSMEs can use, with mandatory certification needs by sector.
The ministry's public dashboard with key figures for MSME schemes and registrations, such as Udyam counts, CGTMSE guarantees, PMEGP, cluster projects, SFURTI, SRI Fund and delayed payment cases.
A periodic report on MSME borrowing and credit quality in India, combining business loans to firms and to individuals for business use.
The District Industries Centre, Taluk Industries Offices, the lead bank, the free training institute and the other offices in each district.
SPICED was approved to 2025-26 and has been extended up to 30 September 2026 or until a new 16th Finance Commission scheme is approved. The Spices Board page on 5 November 2026 still invites 2026-27 applications, with last dates of 30 November 2026 for export programmes and 25 December 2026 for development programmes. No successor scheme name was found.
Announced on 1 November 2026 as part of the new government's 100 day action plan. A government order is linked on the official page. The application process was not yet published on 5 November 2026.
Notification dated 28 October 2026 under the extended ICDP up to 2026-27. Feasibility applications close 5 December 2026 and final claims close 5 March 2027.
Applications for 2026-27 open on Ksheerasree from 23 October to 7 November 2026, according to the department's press note.
Partly in force. Act No. 16 of 2026. Gazette notification S.O. 5575(E) of 12 October 2026 brings sections 2 to 7, 11 and 13 to 17 into force on 15 October 2026 and section 12 on 15 December 2026. Sections 8 to 10 have no date yet.
Announced in Budget 2026-27 and approved by the Cabinet on 6 October 2026. Fund manager, eligibility criteria and how to approach it not yet published.
Edition III launched by the Chief Minister on 6 August 2026 after the June 2026 revised budget raised the age limit from 50 to 60 and the loan cap from ₹2 crore to ₹5 crore.
Applications invited by notice No. KSHPWC/611/2026-PA dated 28 July 2026 for 2026 to 2027. No closing date is given.