Schemes and support · Central and Kerala

Help for a business like yours, in one place.

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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A few schemes from each government that suit many owners. Open one for the details, or see everything that government offers.

From the Government of Kerala

See all 116 from the Government of Kerala

From the central government

See all 87 from the central government

Everything in the guide, 344 entries. Choose what you are trying to do above to narrow it, or open a section below.

From the Government of Kerala

104 entriesShowHide
Government of Kerala · Directorate of Industries and Commerce

Entrepreneur Support Scheme ESSസംരംഭക സഹായ പദ്ധതി

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.

  • 15% of fixed capital investment, up to ₹30 lakh, for general applicants
  • 25% of fixed capital investment, up to ₹40 lakh, for young entrepreneurs aged 18 to 45, women, SC and ST entrepreneurs and non-resident Keralites
manufacturing and food processing
Application fee of ₹1,100 per unit on the English page, ₹1,105 on the Malayalam pageOpen
Government of Kerala · Directorate of Industries and Commerce

Kerala Entrepreneur Loan Scheme KELS

Interest relief that brings the effective rate to 4% on bank loans up to ₹10 lakh for MSMEs set up after 1 April 2022.

  • Effective interest rate of 4% after the state's interest subvention
  • On term loans and working capital loans up to ₹10 lakh
Fee not statedOpen
Government of Kerala · Directorate of Industries and Commerce

MSME Insurance Schemeഎം എസ് എം ഇ ഇൻഷുറൻസ് പദ്ധതി

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.

  • 50% of the annual premium, up to ₹2,500, paid into the unit's bank account
Free to applyOpen
Government of Kerala · Directorate of Industries and Commerce

Margin Money Grant to Nano Unitsനാനോ യൂണിറ്റുകൾക്കുള്ള മാർജിൻ മണി ഗ്രാന്റ് പദ്ധതി

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.

  • Grant of 30% of project cost, up to ₹3 lakh, for general applicants
  • Grant of 40% of project cost, up to ₹4 lakh, for women, youth, differently abled persons, ex-servicemen and SC and ST entrepreneurs
New businesses
Fee not statedOpen
Government of Kerala · Directorate of Industries and Commerce

Assistance to Skilled Entrepreneurs Development Centresനൈപുണ്യ സംരംഭ വികസന സൊസൈറ്റികൾക്കുള്ള സഹായം

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.

  • Up to ₹2 lakh per society, split 78% fixed assets, 20% working capital and 2% training
  • 80% of the cost of tools, furniture, electrical items and essential machinery, with the society paying 20%
Fee not statedOpen
Government of Kerala · Directorate of Industries and Commerce

Campus Industrial Parkക്യാമ്പസ് ഇന്‍ഡസ്ട്രിയല്‍ പാര്‍ക്ക്

Infrastructure funding for colleges and universities that turn unused campus land into an industrial park, where student and other entrepreneurs can set up units.

  • ₹20 lakh per acre, up to ₹150 lakh per park, for electricity, water, roads, drainage, effluent treatment and common facilities such as labs and testing
  • A separate single window clearance board for each park
New businesses
Fee not statedOpen
Government of Kerala · Dairy Development Department

Dairy Development Department annual plan schemes 2026-27 (Milk Shed Development Programme and dairy farm hygiene) Milk Shed Development Programmeക്ഷീര വികസന വകുപ്പ് വാർഷിക പദ്ധതി 2026-2027

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.

  • Cow unit schemes for 1, 2, 5, 10 and 20 cows
  • Smart dairy farm of 10 cows for young people
farming, fisheries and livestock
Free to applyOpen
Government of Kerala · Directorate of Industries and Commerce

Interest Subvention Scheme to Nano Unitsനാനോ ഗാർഹിക സംരംഭങ്ങൾക്കുള്ള പലിശയിളവ് പദ്ധതി

A refund of part of the interest on term loans taken by nano and household units with fixed investment up to ₹10 lakh.

  • Interest refund of 6% a year for three years
  • 8% a year for three years for women and SC and ST entrepreneurs
manufacturing and services
Fee not statedOpen
Government of Kerala · Kerala Financial Corporation

KFC Agro-based MSME Loan Scheme KAMS

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%.

  • State interest subvention of 3% on loans up to ₹10 crore, plus a 2% KFC rebate for prompt repayment
  • Net effective rate of 6% in the first year
Fee not statedOpen
Government of Kerala · Kerala Financial Corporation

KFC Letter of Guarantee Scheme

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.

  • Guarantee of up to 100% of the amount needed
  • Guarantee period of up to 5 years
Running businesses
Fee not statedOpen
Government of Kerala · Kerala Financial Corporation

KFC Line of Credit Scheme for MSMEs

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.

  • Performance guarantees, work execution finance, early bill discounting, government bill discounting and equipment finance under one limit
  • Limit up to ₹50 crore, valid 5 years with yearly renewal
Running businesses
Processing fee of 0.5% of the sanctioned limit plus GST (minimum ₹10,000, maximum ₹25 lakh) and an upfront fee of 0.1% plus GST, up to ₹50,000Open
Government of Kerala · Kerala Financial Corporation

KFC and City Union Bank Working Capital Loan Scheme

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.

  • Working capital limit from ₹5 lakh to ₹50 crore
  • No foreclosure premium except on a takeover by another bank
Running businesses
Processing fee of 0.5% of the limit plus GST at sanction, then 0.25% a year plus GST on renewalOpen
Government of Kerala · Kerala State Industrial Development Corporation

KSIDC Scale Up Funding for start-ups

Loan or equity of up to ₹1 crore for Kerala start-ups that have a product and revenue and want to scale up.

  • Loan or equity up to ₹100 lakh, capped at 70% of project cost
  • Interest of 7% simple, floating, as listed by KSIDC on 5 November 2026
Running businesses
Fee not statedOpen
Government of Kerala · Kerala State Industrial Development Corporation

KSIDC term loans and project finance

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.

  • Term loans of ₹5 to 60 crore for manufacturing, agro processing, tourism, healthcare, IT hardware and allied sectors, over 6 to 12 years
  • Equipment purchase loans of ₹2 to 20 crore and working capital term loans of ₹2 to 25 crore
Fee not statedOpen
Government of Kerala · Directorate of Industries and Commerce

Kerala Brandകേരള ബ്രാന്‍ഡ്‌

A 'Made in Kerala' certification for products and services that meet set quality, ethical and environmental standards, with marketing support for certified enterprises.

  • Use of the 'Made in Kerala' brand in India and abroad
  • Financial help towards quality certifications that support exports
Running businesses
Fee not statedOpen
Government of Kerala · Kerala Startup Mission

Kerala Startup Mission grants and support KSUM

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.

  • Idea grant up to ₹3 lakh, productisation grant up to ₹7 lakh, market acceleration grant up to ₹10 lakh and scale up grant up to ₹15 lakh
  • Productisation grant up to ₹12 lakh for start-ups led by women or transgender founders
Free to applyOpen
Government of Kerala · Directorate of Industries and Commerce

Kerala Stressed MSMEs Revival and Rehabilitation Schemeതകർച്ച നേരിടുന്നതും പ്രവർത്തന രഹിതവും ആയ സൂക്ഷ്മ ചെറുകിട ഇടത്തരം വ്യവസായങ്ങൾ, കശുവണ്ടി സംസ്കരണ യൂണിറ്റുകൾ പുനരുജ്ജീവിപ്പി ക്കുന്നതിനുള്ള പദ്ധതി

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.

  • Under the combined scheme from 2023-24, 50% of the bank loan overdue, up to ₹1 lakh
  • A grant linked to an additional or new bank loan, up to ₹5 lakh
Running businessesmanufacturing
Fee not statedOpen
Government of Kerala · National Employment Service (Kerala)

Multipurpose Service Centres and Job Clubs MPSC/JC

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.

  • Bank loan up to ₹10 lakh for a group enterprise
  • Subsidy of 25% of the loan, up to ₹2 lakh, paid through the Employment Department
New businesses
Free to applyOpen
Government of Kerala · National Employment Service (Kerala)

Navajeevan employment assistance scheme for senior citizens Navajeevan

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-free loan up to ₹50,000
  • 25% of the loan is reimbursed as a government subsidy, credited to the loan account
New businesses
Free to applyOpen
Government of Kerala · Directorate of Industries and Commerce

One Family One Enterprise OFOEഒരു കുടുംബം ഒരു സംരംഭം പദ്ധതി

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%.

  • Refund of the gap between the bank's rate and 4%, up to 6 percentage points
  • Covers term loans and working capital loans up to ₹10 lakh. Bigger loans get relief on the first ₹10 lakh
New businesses
Fee not statedOpen
Government of Kerala · Directorate of Industries and Commerce

One Local Body One Product OLOPഒരു തദ്ദേശ സ്വയംഭരണ സ്ഥാപനം ഒരു ഉൽപ്പന്നം (ഒ.എൽ.ഒ.പി)

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.

  • Up to ₹50,000 per local body for the detailed project report, paid in two halves
  • Technical advice from the Industries Department
Free to applyOpen
Government of Kerala · Industries Department

Private Industrial Estate Scheme PIE

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.

  • Up to ₹30 lakh per acre, capped at ₹3 crore, for electricity, water, roads, drainage and common facilities
  • Each estate gets its own single window clearance board
New businesses
Fee not statedOpen
Government of Kerala · Directorate of Industries and Commerce

Revival and Rehabilitation Scheme for Defunct MSMEs and Cashew Processing Unitsതകർച്ച നേരിടുന്നതും പ്രവർത്തന രഹിതവും ആയ സൂക്ഷ്മ ചെറുകിട ഇടത്തരം വ്യവസായങ്ങൾ, കശുവണ്ടി സംസ്കരണ യൂണിറ്റുകൾ പുനരുജ്ജീവിപ്പി ക്കുന്നതിനുള്ള പദ്ധതി

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.

  • Under the combined scheme from 2023-24, a grant linked to a new or additional bank loan, up to ₹8 lakh
  • A revitalisation grant, up to ₹8 lakh
Running businessesmanufacturing and food processing
Fee not statedOpen
Government of Kerala · Kudumbashree State Poverty Eradication Mission

Start-up Village Entrepreneurship Programme in Kerala SVEP

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.

  • Help to identify and plan a business from a local Micro Enterprise Consultant
  • Business plan, training and follow-up support
Fee not statedOpen
Government of Kerala · Kerala Financial Corporation

Startup Kerala, KFC loans for start-ups

KFC loans at a concessional rate for start-ups registered with Kerala Startup Mission and DPIIT, from product development to scaling up.

  • Up to ₹25 lakh for productisation, ₹50 lakh for commercialisation and ₹2 crore for scaling up
  • Repayment up to 5 years including up to 1 year moratorium
Fee not statedOpen
Government of Kerala · Small Farmers' Agri-Business Consortium Kerala (SFAC Kerala)

Support to value addition through SFAC Kerala, assistance to micro, small and medium agro processing units SFAC Kerala value addition

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.

  • Micro units with investment of ₹10 lakh to under ₹25 lakh get 50% of the investment in building and machinery, up to ₹10 lakh
  • Small units with investment of ₹25 lakh to ₹1 crore get 40%, up to ₹25 lakh
food processing and farming, fisheries and livestock
Free to applyOpen
Government of Kerala · Directorate of Industries and Commerce

Assistance Scheme for Start-ups for Manufacturing Operationsസ്റ്റാർട്ടപ്പുകൾക്ക് മാനുഫാക്ചറിംഗ് പ്രവർത്തനങ്ങൾക്കായുള്ള സഹായം പദ്ധതി

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.

  • 75% of eligible project cost, up to ₹10 lakh per unit
  • Paid in three parts, 30% when the idea is developed, 50% when the prototype is ready and 20% when industrial production starts
New businessesmanufacturing
Fee not statedStatus unclear
Government of Kerala · Kerala Khadi and Village Industries Board (KKVIB)

Ente Gramam self-employment scheme (SEGP) Ente Gramam

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.

  • Margin money of 25% of the project cost for general applicants
  • 30% for women, OBC and minority applicants
New businesses
Fee not statedStatus unclear
Government of Kerala · Directorate of Industries and Commerce and K-BIP

Industries Department trade fairs and exhibitionsപ്രദര്‍ശന വിപണന മേളകൾ

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.

  • Stall space in department run fairs
  • Industrial Policy 2023 promises up to 100% of stall charges, up to ₹5 lakh, for one domestic and one international fair a year
Running businesses
Fee not statedStatus unclear
Government of Kerala · Industries Department

Kerala Export Promotion Policy 2025

A state export policy with incentives for export infrastructure and export turnover. The published page does not yet give an application route.

  • 25% subsidy, up to ₹1 crore, for export infrastructure such as cold storage, warehousing and testing labs
  • 1% of FOB export value, up to ₹1 crore a year, for three years
Running businesses
Fee not statedStatus unclear
Government of Kerala · Industries Department

Kerala Industrial Policy 2023 incentives

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.

  • Loans at 4% on up to ₹10 lakh through interest subvention of up to 6% (paid through KELS and OFOE)
  • Capital subsidy of up to 45%, capped at ₹40 lakh for micro, ₹100 lakh for small and ₹200 lakh for medium units
Depends on the scheme usedStatus unclear
Government of Kerala · Directorate of Industries and Commerce

MSME Scale Up Mission (Mission 1000) Mission 1000എം എസ് എം ഇ സ്കെയിൽ അപ്പ് മിഷൻ (മിഷന്‍ 1000)

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.

  • Capital investment subsidy of up to 40%, capped at ₹2 crore
  • Working capital interest support capped at ₹50 lakh over the four year expansion period
Running businessesmanufacturing and services
Fee not statedStatus unclear
Government of Kerala · Directorate of Industries and Commerce

Assistance Scheme for Handicrafts Artisans ASHAകരകൗശല വിദഗ്ധർക്കുള്ള സഹായ പദ്ധതി (ആശ)

A one time grant for registered handicraft artisans who set up a micro enterprise, towards machinery and other fixed assets and working capital.

  • 40% of fixed capital investment, up to ₹3 lakh, and 40% of working capital need, up to ₹2 lakh, with a combined cap of ₹5 lakh for general applicants
  • 50% of fixed capital investment, up to ₹4.5 lakh, and 50% of working capital need, up to ₹3 lakh, with a combined cap of ₹7.5 lakh for women, SC and ST, young entrepreneurs aged 18 to 45 and differently abled artisans
Only for artisanshandicrafts
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

Green Wheel Self-Employment Scheme Green Wheel

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.

  • Loan up to ₹8 lakh at 7%
  • Subsidy of 20% of the loan, up to ₹1 lakh, from the Backward Classes Development Department
Only for OBC, minority communitiesNew businessesservices
Fee not statedOpen
Government of Kerala · Kerala Financial Corporation

KFC loan scheme for footwear units

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.

  • Loans up to ₹20 crore
  • Interest subsidy of 2% for the first year
manufacturing
Not yet knownStatus unclear
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Business Development Loan

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.

  • Loan up to ₹5 lakh
  • 8.5% interest up to ₹2 lakh, repaid over 36 months
Only for OBC, minority communities
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Micro Finance through CDS and NGOs

Small loans at 6% for members of self-help groups from backward class and minority communities, lent through Kudumbashree CDS and NGOs.

  • Loan to self-help group members at 6%, repaid over 36 months
  • A CDS can borrow up to ₹3 crore at 5%, an NGO up to ₹50 lakh under the NMDFC line
Only for OBC, minority communities
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Re-Turn Self-Employment Loan for return emigrants Re-Turn

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.

  • Loan up to ₹30 lakh
  • Capital subsidy of 15% of the project cost, up to ₹3 lakh, from NORKA Roots
Only for returnees from abroad, OBC, minority communitiesNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Self-Employment Loan for backward classes, NBCFDC line

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.

  • 6% interest for loans up to ₹1.25 lakh, 8% above
  • Repay over 48 months up to ₹1.25 lakh, 60 months up to ₹2 lakh, 72 months up to ₹5 lakh and 84 months above
Only for OBC
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Self-Employment Loan for minorities, NMDFC Credit Lines 1 and 2

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.

  • Credit Line 1, up to ₹20 lakh at 6%, for family income up to ₹3 lakh
  • Credit Line 2, up to ₹30 lakh, at 8% for men and 6% for women, for family income of ₹3 lakh to 8 lakh
Only for minority communities
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Start-Up Scheme for OBC professionals

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.

  • Loan up to ₹20 lakh
  • Subsidy of 20% of the loan, up to ₹2 lakh, under the department's Self Employment Grant for Professionals
Only for OBC, young entrepreneursNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Working Capital Loan

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.

  • Loan up to ₹3 lakh at 8%
  • Repay over 72 months
Only for OBC, minority communitiesRunning businesses
Fee not statedOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

KSDC Beneficiary Oriented Scheme

A loan at 7% for Scheduled Caste and Scheduled Tribe people starting a small viable project costing up to ₹3 lakh.

  • Loan for projects costing up to ₹3 lakh, at 7%
  • Repay over up to 5 years
Only for SC and STNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

KSDC Loan for Rehabilitation of Returned Emigrants (NORKA Roots)

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.

  • Loan up to ₹20 lakh
  • 6% interest up to ₹5 lakh, 8% above
Only for SC and ST, returnees from abroadNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

KSDC Loan for Startup Entrepreneurs

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.

  • Loan up to ₹50 lakh at 7%
  • Repay over 5 to 7 years
Only for SC and ST, young entrepreneursNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

KSDC Multipurpose Unit Loan

A loan for Scheduled Caste and Scheduled Tribe entrepreneurs for units in agriculture, industry, trade or commerce with investment up to ₹25 lakh.

  • Loan for investment up to ₹25 lakh
  • 7% interest up to ₹5 lakh, 9% above ₹5 lakh
Only for SC and ST
Fee not statedOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

KSDC Professional Service Scheme

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.

  • Loan up to ₹5 lakh per person at 8%
  • Repay over 5 years
Only for SC and STNew businessesservices
Fee not statedOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

KSDC Vehicle Loan

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.

  • Loan for vehicles costing up to ₹10 lakh
  • 7% interest up to ₹5 lakh, 8% above
Only for SC and STNew businessesservices
Fee not statedOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

KSDC loans for SC and ST women through Kudumbashree CDS

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.

  • Kudumbashree CDS loan, up to ₹1 lakh per woman at 6%, repaid over 3 to 4 years
  • Women Empowerment Programme for SC women, up to ₹5 lakh per group and ₹60,000 per member at 5%
Only for women, SC and ST
Fee not statedOpen
Government of Kerala · Kerala State Industrial Development Corporation

KSIDC WE Funding for women entrepreneurs WE Funding

KSIDC loans of up to ₹50 lakh for running manufacturing or service businesses at least 51% owned and managed by women, with relaxed collateral.

  • Up to 80% of project cost, capped at ₹50 lakh
  • Interest of 7.5% as listed by KSIDC on 5 November 2026
Only for womenRunning businessesmanufacturing and services
Fee not statedOpen
Government of Kerala · Kerala State Minorities Development Finance Corporation (KSMDFC)

KSMDFC Micro Finance through NGOs, NMDFC lines

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.

  • Credit Line 1, up to ₹1 lakh per member and ₹20 lakh per group of 20
  • Credit Line 2, up to ₹1.5 lakh per member and ₹30 lakh per group
Only for minority communities
Fee not statedOpen
Government of Kerala · Kerala State Minorities Development Finance Corporation (KSMDFC)

KSMDFC Pravasi Loan Scheme for returned emigrants Pravasi Loan

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.

  • Loan up to ₹10 lakh at 5%
  • One month moratorium, then repay over 84 months
Only for minority communities, returnees from abroadNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Minorities Development Finance Corporation (KSMDFC)

KSMDFC Self Employment Scheme for Minorities, NMDFC Credit Lines 1 and 2

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.

  • Credit Line 1, up to ₹20 lakh at 6%
  • Credit Line 2, up to ₹30 lakh at 6% for women and 8% for men
Only for minority communities
Fee not statedOpen
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

KSWDC BC Credit Line II Self-Employment Loan BC Credit Line II

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.

  • Loan up to ₹5 lakh at 8% interest
  • Repay over up to 5 years
Only for women, OBC
No application fee. Risk fund contribution as in the General GuidelinesOpen
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

KSWDC Micro Finance Loan through Kudumbashree CDS and self-help groups KSWDC Micro Finance

Small loans for women in self-help groups, lent through Kudumbashree CDS, typically up to ₹1 lakh per member at 5% to 8%.

  • Minority women through NMDFC, up to ₹1 lakh per member at 6%, repaid over 3 years
  • Backward class women through NBCFDC, at 7%, repaid over 2.5 years
Only for women
Fee not statedOpen
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

KSWDC Self-Employment Loan, General Scheme KSWDC General Schemeസ്വയം തൊഴിൽ വായ്പ

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.

  • Loan up to ₹5 lakh at 8% interest
  • Repay over up to 5 years, starting the month after the loan is paid
Only for women
No application fee. A risk fund contribution and, for property security, a legal fee of ₹620 are paid before disbursementOpen
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

KSWDC Small Loan Scheme

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.

  • Loan up to ₹50,000
  • Repay over up to 5 years
Only for women, street vendors
No application fee. A risk fund contribution of ₹250 plus GST applies at this loan sizeOpen
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

KSWDC term loans for backward class women, NBCFDC line

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%.

  • Individual Loan Scheme 1, up to ₹1.25 lakh at 7%, repaid over 4 years
  • Individual Loan Scheme 2, ₹1.25 lakh to 25 lakh at 8%, repaid over 5 years
Only for women, OBC
No application fee. Risk fund contribution as in the General GuidelinesOpen
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

KSWDC term loans for minority women, NMDFC Credit Lines and Virasat

Self-employment term loans of up to ₹30 lakh at 6% for women from notified minority communities, with a separate Virasat line for artisans.

  • Credit Line 1, up to ₹20 lakh at 6% for family income up to ₹3 lakh, repaid over 5 years
  • Credit Line 2, up to ₹30 lakh at 6% for family income of ₹3 lakh to 8 lakh, repaid over 5 years
Only for women, minority communities
No application fee. Risk fund contribution as in the General GuidelinesOpen
Government of Kerala · National Employment Service (Kerala)

Kaivalya employment and rehabilitation scheme for persons with disabilities Kaivalya

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.

  • Interest-free loan up to ₹50,000, up to ₹1 lakh if the project needs it
  • 50% of the loan is a government subsidy
Only for persons with disabilitiesNew businesses
Free to applyOpen
Government of Kerala · Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)

Laghu Vyavasay Yojana through KSDC

A loan at 6% for Scheduled Caste entrepreneurs setting up small industrial ventures costing up to ₹4 lakh.

  • Loan for projects costing up to ₹4 lakh, at 6%
  • Repay over up to 5 years
Only for SC and STNew businesses
Fee not statedOpen
Government of Kerala · Matsyafed

Matsyafed interest free loan for fisherwomen

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.

  • Interest free loans of ₹5,000, then ₹10,000, ₹15,000 and ₹20,000 on timely repayment
  • First loan repaid within one year
Only for women, fishing familiestrading
Free to applyOpen
Government of Kerala · Directorate of Industries and Commerce

Mission 1,00,000

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.

  • Financial and technical support to reach a turnover of at least ₹1 crore
  • ₹4 crore set aside in the January 2026 budget
Running businesses
Not yet knownStatus unclear
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

NORKA Vanitha Mithra Self-Employment Loan NORKA Vanitha Mithraനോർക്ക വനിതാ മിത്ര

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.

  • Loan up to ₹30 lakh
  • Capital subsidy of 15% of the project cost, up to ₹3 lakh, adjusted against the last instalments of the loan
Only for women, returnees from abroadNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

Punarjani Self-Employment Scheme for widows Punarjani

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.

  • Loan up to ₹5 lakh at 7%
  • Subsidy of 20% of the loan, up to ₹1 lakh, from the Backward Classes Development Department
Only for widows, OBC, minority communities
Fee not statedOpen
Government of Kerala · Society for Assistance to Fisherwomen (SAF)

SAF Joint Liability Group project for fisherwomen SAF JLG

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.

  • Grant of ₹50,000 per group as interest-free working capital, ₹10,000 per member
  • Can rise to ₹20,000 per member in later rounds from repaid money
Only for fishing families, women
Fee not statedOpen
Government of Kerala · Society for Assistance to Fisherwomen (SAF)

SAF Working Capital Revolving Fund for fisherwomen micro enterprises

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.

  • Interest-free working capital of ₹25,000 to ₹1 lakh per group
  • Up to ₹1.5 lakh for supermarkets
Only for fishing families, womenRunning businesses
Fee not statedOpen
Government of Kerala · National Employment Service (Kerala)

Saranya Self Employment Scheme for Destitute Women Saranya

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.

  • Interest-free loan up to ₹50,000
  • 50% of the loan is a government subsidy, up to ₹25,000
Only for women, widowsNew businesses
Free to applyOpen
Government of Kerala · Kerala State Handicapped Persons Welfare Corporation

Self-employment loan for persons with disabilities, national corporation line

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.

  • Loan up to ₹50 lakh for a self-employment venture
  • Loan can be up to the full value of the property or building offered as security
Only for persons with disabilities
Fee not statedOpen
Government of Kerala · Kerala State Minorities Development Finance Corporation (KSMDFC)

Self-employment loan with government subsidy for minority widows, divorced and abandoned womenവിധവകൾ, വിവാഹ മോചിതർ, ഉപേക്ഷിക്കപ്പെട്ട വിഭാഗത്തിലെ സ്ത്രീകൾക്ക് KSMDFC-യിൽ നിന്നുള്ള സ്വയംതൊഴിൽ വായ്പ

A KSMDFC self-employment loan with a government subsidy of up to ₹1 lakh for widows, divorced women and abandoned women from minority communities.

  • Government subsidy of up to ₹1 lakh on the loan, from the Minority Welfare Department
  • A third-party scheme site gives a loan of up to ₹5 lakh at 6% with a 20% subsidy, not confirmed on an official page
Only for women, widows, minority communitiesNew businesses
Fee not statedOpen
Government of Kerala · Kerala State Handicapped Persons Welfare Corporation (Kerala State Differently Abled Welfare Corporation)

Self-employment subsidy on bank loans for persons with disabilities

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.

  • Subsidy of up to ₹1 lakh on a self-employment loan from a bank
  • The subsidy is held by the bank and credited when the loan balance falls to the subsidy amount
Only for persons with disabilitiesNew businesses
Free to applyOpen
Government of Kerala · Society for Assistance to Fisherwomen (SAF)

Theeramythri micro enterprise programme for fisherwomen Theeramythri

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.

  • Grant of 75% of the project cost, up to ₹1 lakh per member and ₹5 lakh per unit of five
  • A bank loan covers 20% of the project cost and members put in 5%
Only for fishing families, womenNew businesses
Fee not statedOpen
Government of Kerala · Directorate of Industries and Commerce

Year of Enterprises (Samrambhaka Varsham) YoE

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.

  • Help from the Enterprise Development Executive at the local body
  • Links to KELS loans, the nano unit schemes and K-SWIFT licences
New businesses
Free to applyStatus unclear
Government of Kerala · Kudumbashree State Poverty Eradication Mission

Kudumbashree micro enterprise start-up subsidy (Rural Micro Enterprises and Yuvashree)

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.

  • Group enterprises, subsidy of ₹10,000 per member or 50% of the project cost, whichever is less
  • Individual units with investment up to ₹50,000, subsidy of ₹7,500 or 30% of the project cost under Rural Micro Enterprises
Only for womenNew businesses
Fee not statedStatus unclear
Government of Kerala · Directorate of Industries and Commerce

NORKA Pravasi Industrial Estate 2026 NPIE 2026നോർക്ക പ്രവാസി ഇൻഡസ്ട്രിയൽ എസ്റ്റേറ്റ് - (NPIE)-2026

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.

  • Reimbursement of infrastructure costs up to ₹3 crore, for electricity, water, internal roads, drainage, effluent treatment and common facilities such as labs and testing
Only for returnees from abroadNew businesses
Fee not statedStatus unclear
Government of Kerala · Kerala Khadi and Village Industries Board (KKVIB)

PMEGP through the Kerala Khadi and Village Industries Board PMEGP (KKVIB route)

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.

  • Same PMEGP subsidy and limits as through any other agency, see the PMEGP record in the central file
Not yet confirmedNew businessesmanufacturing and services
Fee not statedOpen
Government of Kerala · NORKA Roots

Pravasi Bhadratha MEGA

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.

  • KSIDC loan of ₹25 lakh to ₹2 crore per enterprise
  • KSIDC charges 8.25% to 8.75% interest, and NORKA Roots pays an interest incentive of 3.25% to 3.75% for the first four years
Only for returnees from abroad
Fee not statedStatus unclear
Government of Kerala · NORKA Roots

Pravasi Bhadratha PEARL (Pravasi Entrepreneurship Augmentation and Reformation of Livelihoods) Pravasi Bhadratha PEARL

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.

  • Interest-free soft loan up to ₹2 lakh
  • Covers up to 75% of the project cost, the applicant brings the remaining 25%
Only for returnees from abroadNew businesses
Fee not statedStatus unclear
Government of Kerala · Kerala State Women's Development Corporation (KSWDC)

SMILE Self-Employment Loan for families who lost their earner to Covid-19 SMILE

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.

  • Loan up to ₹5 lakh to start self-employment or a small business
  • Subsidy of 20% of the loan, up to ₹1 lakh, for prompt repayment
Only for women, widowsNew businesses
Fee not statedStatus unclear
Government of Kerala · Kerala State Welfare Corporation for Forward Communities (KSWCFC

Samunnathi Thoosanila Mini Cafe Thoosanila

A loan subsidy for joint liability groups of women from economically weaker forward community families to run a low-cost Thoosanila mini cafe.

  • Subsidy on the group's loan to set up a mini cafe
Only for womenNew businessesfood processing and services
Fee not statedStatus unclear
Government of Kerala · Kerala Climate Resilient Agri-Value Chain Modernization (KERA) project

KERA project, productive alliances between agri businesses and farmer producer companies KERA productive alliances

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.

  • Grant of up to 60% of the total alliance cost, capped at ₹2 crore, for production investment and business development
  • Three years of expert technical assistance for each alliance
Not yet confirmedRunning businesses
Free to applyStatus unclear

From the central government

60 entriesShowHide
Central government · Ministry of Food Processing Industries

PM Formalisation of Micro Food Processing Enterprises PMFME

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.

  • Credit-linked capital subsidy of 35% of eligible project cost, up to ₹10 lakh per unit, for individual micro food processing units, new or existing
  • Eligible cost covers plant, machinery and technical civil work (civil work capped at 30% of eligible cost), not land or rented sheds
food processing
Free to applyOpen
Central government · Ministry of MSME

Prime Minister's Employment Generation Programme PMEGP

A bank loan with a one-time government subsidy for setting up a new micro enterprise outside farming, for anyone over 18.

  • Margin money subsidy of 15% of project cost in urban areas and 25% in rural areas for general applicants
  • Margin money subsidy of 25% in urban areas and 35% in rural areas for special categories, which include SC, ST, OBC, minorities, women, ex-servicemen, transgender persons, people with disabilities, and units in aspirational districts or hill and border areas
New businesses
Free to applyOpen
Central government · Credit Guarantee Fund Trust for Micro and Small Enterprises

Credit Guarantee Scheme for Micro and Small Enterprises CGTMSE

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.

  • Loans up to ₹10 crore can be covered without collateral security or third-party guarantee, from 1 April 2025
  • General guarantee cover is 75% of the amount in default, rising for special groups
Annual guarantee fee of 0.37% to 1.20% a year, usually passed on to the borrowerOpen
Central government · Department of Financial Services

Pradhan Mantri MUDRA Yojana PM MUDRA

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.

  • Shishu, loans up to ₹50,000
  • Kishor, loans above ₹50,000 and up to ₹5 lakh
Free to applyOpen
Central government · Bureau of Indian Standards

BIS marking fee concession for micro and small enterprises, startups and women entrepreneurs BIS fee concession

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.

  • 80% off the annual minimum marking fee for micro enterprises, compared with what a large enterprise pays
  • 50% off the annual minimum marking fee for small enterprises
manufacturing and food processing
BIS application and other certification fees still apply. The concession lowers the annual minimum marking fee.Open
Central government · Coffee Board

Coffee Board support to coffee curing units (Integrated Coffee Development Project) ICDP curing units

A machinery subsidy for licensed coffee curing works that install new or upgraded curing machinery such as graders, colour sorters and dryers.

  • Subsidy of 40% of the machinery cost, up to ₹25 lakh per curing unit
  • Subsidy of 50% of the machinery cost, up to ₹30 lakh per unit, for self help groups, farmer producer organisations, growers' cooperatives, women entrepreneurs, SC and ST applicants and differently abled applicants
food processing and farming, fisheries and livestock
Free to applyOpen
Central government · ECGC Ltd (formerly Export Credit Guarantee Corporation of India)

ECGC export credit insurance for small and MSME exporters ECGC

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.

  • Micro Exporter Policy for exporters with expected export turnover up to ₹1 crore a year in manufacturing, services or trade, with 90% cover, a maximum loss limit of ₹15 lakh and a single loss limit of ₹5 lakh
  • Small Exporters Policy for exporters with expected export turnover up to ₹5 crore a year, covering commercial and political risks for 12 months, with a shorter claim waiting period and a lower minimum premium than the standard policy
ECGC lists a premium of ₹25,000 and a processing fee of ₹1,000 for the Micro Exporter Policy. The Small Exporters Policy has a minimum premium of ₹5,000.Open
Central government · Directorate General of Foreign Trade

Export Promotion Capital Goods Scheme EPCG

Lets exporters import capital goods at zero customs duty, or buy them locally with benefits, in return for meeting an export obligation.

  • Zero customs duty on capital goods for pre-production, production and post-production
  • Capital goods can also be sourced from the domestic market under the Foreign Trade Policy
Application fee as set by DGFTOpen
Central government · Department of Commerce

Export Promotion Mission EPM

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.

  • Niryat Protsahan (finance), interest subvention on pre and post shipment export credit, collateral support, support for alternative trade instruments such as factoring, credit help for e-commerce exporters, and support for new markets
  • Niryat Disha (non-financial), market access support for fairs and branding, help with quality, testing and compliance (TRACE), freight and transport support (LIFT), trade intelligence (INSIGHT) and overseas warehousing and fulfilment (FLOW)
Free to applyOpen
Central government · Ministry of MSME

International Cooperation Scheme IC Scheme

Pays part of the cost for MSMEs to take part in international trade fairs and business delegations abroad.

  • Stall charges up to ₹3.5 lakh or actual rent, whichever is lower
  • Economy airfare up to ₹1.75 lakh or actual fare, whichever is lower
Running businessesmanufacturing and services
Free to applyOpen
Central government · Khadi and Village Industries Commission

KVIC Market Development Assistance and Interest Subsidy Eligibility Certificate for khadi institutions KVIC MDA and ISEC

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.

  • Market Development Assistance of 30% of the prime cost of khadi production, paid by DBT and shared 30% to artisans, 10% to other workers, 40% to the producing institution and 20% to selling institutions
  • ISEC lets registered institutions borrow from banks and pay only 4% interest, with KVIC paying the difference as interest subsidy
Running businesseshandicrafts and manufacturing
Open
Central government · Office of the Controller General of Patents

Lower patent, design and trade mark fees for individuals, startups and small entities IP fee concession

Individuals, startups and small businesses pay much lower official fees to file patents, designs and trade marks in India.

  • Patent application (Form 1) ₹1,600 online instead of ₹8,000 for an individual, startup, small entity or educational institution
  • Request for examination (Form 18) ₹4,000 instead of ₹20,000, and expedited examination (Form 18A) ₹8,000 instead of ₹60,000
Official fees as listed above. A patent agent or attorney charges separately unless a startup uses a government facilitator.Open
Central government · Ministry of MSME

MSME Innovative Scheme, Design component MSME Design

Pays most of the cost of hiring professional designers to create new products or design strategies, or of student design projects for an MSME.

  • Design projects get 75% (micro) or 60% (small and medium) of project cost from the government, up to ₹40 lakh
  • Student design projects get 75% of cost, up to ₹2.5 lakh
Running businessesmanufacturing and services
Own share of 25% (micro) or 40% (small and medium) of project costOpen
Central government · Ministry of MSME

MSME Sustainable (ZED) Certification Scheme ZED

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.

  • Subsidy on the cost of certification of 80% for micro, 60% for small and 50% for medium enterprises
  • 100% subsidy, so free certification, for women owned MSMEs at all levels
Running businessesmanufacturing and services
Registration and pledge are free. Certification fee is ₹10,000 to ₹90,000 before subsidy.Open
Central government · Ministry of MSME

MSME Trade Enablement and Marketing initiative (ONDC onboarding) MSME TEAM

Helps micro and small enterprises start selling online on the ONDC network, paying for catalogue creation, account management, packaging and logistics support.

  • ONDC onboarding and catalogue creation paid up to ₹2,500 per unit (₹50 per item for up to 50 items for B2C, ₹125 per item for up to 20 items for B2B)
  • Account management support up to ₹5,000 per unit
Running businesses
Free to applyOpen
Central government · Ministry of MSME (Development Commissioner MSME)

Micro and Small Enterprises Cluster Development Programme MSE-CDP

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.

  • Common facility centre costing ₹5 crore to ₹10 crore, 70% central grant, 20% state, 10% from the cluster's SPV
  • Common facility centre costing ₹10 crore to ₹30 crore, 60% central, 20% state, 20% SPV
Running businessesmanufacturing and services
SPV share of 10% to 20% of the common facility centre costOpen
Central government · National Small Industries Corporation

NSIC Raw Material Assistance Scheme NSIC RMA

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.

  • Finance for raw material, Indian or imported, for up to 180 days
  • Helps a small unit buy in bulk and get cash discounts
Running businessesmanufacturing and food processing
The application form is free. NSIC charges interest and a processing fee on new sanctions and renewals, at its current published rates.Open
Central government · National Small Industries Corporation

NSIC Single Point Registration Scheme NSIC SPRS

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.

  • Tender documents free of cost
  • No earnest money deposit on tenders
Fee depends on micro or small category and turnover, see the NSIC fee calculator. SC and ST units were charged ₹100 plus GST for 2021-22 to 2025-26. North East units get 20% off. Renewing before expiry gets 50% off. The inspection agency charges its own fee.Open
Central government · Ministry of MSME

PM Vishwakarma

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.

  • PM Vishwakarma certificate and ID card
  • Basic training of 5 to 7 days and advanced training of 15 days or more, with a stipend of ₹500 a day
Only for artisanshandicrafts and services
Free to applyOpen
Central government · Ministry of MSME

PMEGP second loan for upgrading existing units PMEGP 2nd loan

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.

  • Subsidy of 15% of project cost for all categories, 20% in the North East and hill areas
  • Project cost up to ₹1 crore in manufacturing and ₹25 lakh in services
Running businessesmanufacturing and services
Free to applyOpen
Central government · Department of Financial Services

Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana PMSBY and PMJJBY

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.

  • PMSBY pays ₹2 lakh for accidental death or permanent total disability and ₹1 lakh for permanent partial disability, for ₹20 a year
  • PMJJBY pays ₹2 lakh on death from any cause, for ₹436 a year
₹20 a year for PMSBY and ₹436 a year for PMJJBY, auto-debitedOpen
Central government · Ministry of MSME

Raising and Accelerating MSME Performance RAMP

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.

  • Funds each state's Strategic Investment Plan for MSME support
  • Sub-schemes for selling online (MSME TEAM), green technology loans (MSE GIFT), circular economy capital subsidy (MSE SPICE) and online dispute resolution for delayed payments
Open
Central government · Directorate General of Foreign Trade and CBIC

Remission of Duties and Taxes on Exported Products RoDTEP

Exporters get back embedded central, state and local taxes not refunded elsewhere, as transferable duty credits at notified rates per export product.

  • Refund of hidden taxes and levies on exported goods at rates listed in Appendix 4R (DTA exports) and 4RE
  • Restored for Advance Authorisation holders, SEZs and EOUs from 1 June 2025
Running businessesmanufacturing and trading
Free to applyOpen
Central government · Spices Board

Sustainability in Spice Sector through Progressive, Innovative and Collaborative Interventions for Export Development SPICED

The Spices Board's support scheme for spice exporters, farmers and farmer producer organisations, covering value addition, processing equipment, quality and export promotion.

  • Mission Value Addition pays 33% of machinery cost for high end value addition such as oleoresins, extracts and oils, up to ₹2 crore per exporter over the plan period
  • 33% of machinery cost for other value addition, such as consumer packs, single spice powders, dehydration and sterilisation, and for new exporters, up to ₹1 crore per exporter
Free to applyOpen
Central government · Ministry of Agriculture and Farmers Welfare

Agriculture Infrastructure Fund AIF

A central financing facility launched in 2020-21 for post-harvest infrastructure at the farm gate, such as storage, logistics and processing.

  • Bank finance for post-harvest storage, logistics and processing projects at the farm gate
farming, fisheries and livestock and food processing
Open
Central government · Department of Animal Husbandry and Dairying

Animal Husbandry Infrastructure Development Fund AHIDF

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.

  • 3% interest subvention
  • Loans up to 90% of project cost with no cap on the credit amount
farming, fisheries and livestock and food processing
Free to applyOpen
Central government · Coffee Board

Coffee Board support for new coffee roasting and grinding units (Integrated Coffee Development Project) ICDP R&G units

A machinery subsidy for anyone setting up a new coffee roasting, grinding and packaging unit, including coffee cafes, self help groups and growers' collectives.

  • Subsidy of 40% of the cost of roasting, grinding and packaging machinery, up to ₹15 lakh
  • Subsidy of 50% of the machinery cost, up to ₹15 lakh, for self help groups, farmer producer organisations, women entrepreneurs, SC and ST applicants and differently abled applicants
New businessesfood processing
Free to applyStatus unclear
Central government · Department of Financial Services and SIDBI

Credit Card for Micro Enterprises Micro Credit Card

A business credit card with a revolving limit of up to ₹5 lakh for micro enterprises registered on Udyam, backed by a government guarantee.

  • Revolving credit up to ₹5 lakh
  • 75% guarantee coverage
Running businesses
Set by the issuing bankOpen
Central government · DPIIT

Credit Guarantee Scheme for Startups CGSS

A government guarantee that helps DPIIT-recognised startups borrow without collateral from banks, NBFCs and venture debt funds, up to ₹20 crore per startup.

  • Guarantee cover up to ₹20 crore per borrower, raised from ₹10 crore in May 2025
  • Cover of 85% of the amount in default for loans up to ₹10 crore and 75% above that
Annual guarantee fee, 1% for champion sectorsOpen
Central government · DPIIT

Fund of Funds for Startups FFS

A government fund of funds that invests in SEBI-registered venture capital funds, which in turn invest equity in startups.

  • Indirect equity for startups at early, seed and growth stage through SEBI-registered alternative investment funds
  • Budget 2025-26 announced a new Fund of Funds with a further ₹10,000 crore
Open
Central government · Marine Products Export Development Authority (MPEDA)

MPEDA scheme for Advanced Technological Transformation in Aquaculture (existing units) MPEDA ATTA

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.

  • 50% of the admissible capital cost, up to ₹30 lakh
  • 75%, up to ₹45 lakh, for SC and ST beneficiaries
Running businessesfarming, fisheries and livestock
Free to applyStatus unclear
Central government · Ministry of MSME

MSME Competitive (LEAN) Scheme LEAN

Helps MSMEs cut waste and raise productivity using lean manufacturing methods, with a free basic level and heavily subsidised consultant support at higher levels.

  • Basic level is free, a two month self-paced online course with an online test
  • Intermediate level costs up to ₹1.2 lakh plus taxes per unit, of which the government pays up to ₹1,08,000, or 90%
Running businessesmanufacturing and services
Basic level free. Own share of up to ₹12,000 (intermediate) or ₹24,000 (advanced) plus taxes.Status unclear
Central government · National Credit Guarantee Trustee Company (NCGTC)

Mutual Credit Guarantee Scheme for MSMEs MCGS-MSME

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.

  • 60% guarantee cover on loans up to ₹100 crore for buying equipment or machinery
  • The 5% upfront contribution is refundable at 1% a year from the fourth year if the loan account performs well
manufacturing and services
Upfront contribution of 5% of the loan (2% for exporters), partly refundable, plus guarantee fees set by NCGTCOpen
Central government · Ministry of Skill Development and Entrepreneurship

National Apprenticeship Promotion Scheme NAPS

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.

  • Government share of 25% of the minimum prescribed stipend, up to ₹1,500 per apprentice per month, during training
  • Paid directly into the apprentice's bank account by DBT since 2023, so the employer pays only its own share
Running businesses
Free to applyOpen
Central government · Department of Animal Husbandry and Dairying

National Livestock Mission, Entrepreneurship Development NLM

Capital subsidy for setting up livestock breeder farms and fodder enterprises, open to individuals, FPOs, SHGs, cooperatives and Section 8 companies.

  • Subsidy for breeder farms and related entrepreneurship, now including camel, horse, donkey and mule as well as other livestock
  • Support for fodder production, including on common and degraded land
farming, fisheries and livestock
Free to applyOpen
Central government · Ministry of Food Processing Industries

PM Kisan SAMPADA Yojana, Creation or Expansion of Food Processing and Preservation Capacities (Unit Scheme) PMKSY Unit Scheme

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.

  • Grant of 35% of eligible project cost in general areas, 50% in the North East, Himalayan states, ITDP areas and islands, up to ₹5 crore per project
  • Eligible cost covers plant and machinery and technical civil work, with utilities capped at 25% of project cost
food processing
Free to applyStatus unclear
Central government · Ministry of Food Processing Industries

PM Kisan SAMPADA Yojana, Infrastructure for Agro-Processing Clusters PMKSY Agro Clusters

Grants of up to ₹10 crore for building agro-processing clusters with shared infrastructure and processing units, run by a project execution agency.

  • 35% grant of eligible project cost in general areas, 50% in difficult areas and for SC and ST entrepreneurs, up to ₹10 crore per project
  • Covers basic enabling infrastructure and core processing infrastructure
New businessesfood processing
Free to applyStatus unclear
Central government · Ministry of Food Processing Industries

PM Kisan SAMPADA Yojana, Integrated Cold Chain and Value Addition Infrastructure PMKSY Cold Chain

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.

  • Storage, pack house, pre-cooling, ripening and transport infrastructure, 35% grant in general areas and 50% in difficult areas
  • Value addition and processing infrastructure, 50% grant in general areas and 75% in difficult areas
food processing and farming, fisheries and livestock
Free to applyStatus unclear
Central government · Department of Fisheries

Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana PM-MKSSY

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.

  • Performance grant for micro enterprises of 25% of total investment up to ₹35 lakh, or 35% up to ₹45 lakh for SC, ST and women owned units
  • Performance grant for small enterprises of 25% up to ₹75 lakh, or 35% up to ₹1 crore for SC, ST and women owned units
farming, fisheries and livestock and food processing
Free to applyOpen
Central government · Department of Fisheries

Pradhan Mantri Matsya Sampada Yojana PMMSY

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.

  • Entrepreneurship model with assistance up to ₹1.3 crore for integrated business models, technology infusion, hygienic fish kiosks, recreational fisheries and group activities
  • Support for ponds, cages, recirculating aquaculture systems, biofloc units, hatcheries, boats and nets, and value chain infrastructure
farming, fisheries and livestock and food processing
Free to applyOpen
Central government · Ministry of Labour and Employment

Pradhan Mantri Viksit Bharat Rozgar Yojana PM-VBRY

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.

  • Up to ₹1,000 a month for each extra employee with EPF wages up to ₹10,000, paid in proportion to the wage
  • ₹2,000 a month for EPF wages above ₹10,000 and up to ₹20,000
Free to applyOpen
Central government · Ministry of MSME (Development Commissioner MSME and NSIC)

Procurement and Marketing Support Scheme PMS

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.

  • Financial help for participation in domestic trade fairs, up to 80% of admissible expenditure
  • Up to 100% of admissible expenditure for women entrepreneurs
Running businessesmanufacturing and services
Free to applyOpen
Central government · Ministry of MSME

Self-Reliant India Fund SRI Fund

A fund of funds that puts equity into MSMEs with the potential to grow larger, through private equity and venture capital daughter funds.

  • Equity or quasi-equity growth capital through empanelled daughter funds
  • Planned total of ₹50,000 crore, with ₹10,000 crore from the government and ₹40,000 crore from private equity and venture capital funds
Running businesses
Open
Central government · Marine Products Export Development Authority (MPEDA)

Technology Development for Specific Value-added Marine Products TDSVMP

MPEDA's support for seafood processing and export units that set up or modernise value added processing, cold storage and handling infrastructure.

  • Financial help, paid as reimbursement, for value added processing machinery, cold storage, automated processing lines and facilities for live, chilled, ornamental and dried fish
  • MPEDA gave ₹118.10 crore to 89 seafood processing units under the scheme from 2021-22 to 2025-26, according to a ministry reply in July 2026
food processing
Free to applyStatus unclear
Central government · Coconut Development Board

Technology Mission on Coconut, assistance for coconut processing units TMOC

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.

  • Subsidy of 25% of the project cost, up to ₹50 lakh, paid back ended through the lending bank
  • Modernisation and expansion of existing units is also covered
food processing and farming, fisheries and livestock
Free to applyStatus unclear
Central government · Ministry of MSME

Udyam Assist Platform UAP

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.

  • Formal recognition for very small informal businesses that cannot use the main Udyam portal
  • Loans to registered informal micro enterprises count under priority sector lending, which banks must meet
Free to applyOpen
Central government · National Credit Guarantee Trustee Company (NCGTC)

Emergency Credit Line Guarantee Scheme 5.0 ECLGS 5.0

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.

  • Additional credit up to 20% of peak working capital used in January to March 2026, capped at ₹100 crore
  • 100% guarantee cover for MSMEs, 90% for other businesses
Running businesses
No guarantee feeStatus unclear
Central government · Ministry of MSME

Scheme of Fund for Regeneration of Traditional Industries SFURTI

Grants for clusters of traditional artisans and producers to get shared facilities, training, design and marketing help through an implementing agency.

  • Up to ₹2.5 crore for regular clusters of up to 500 artisans and ₹5 crore for major clusters above 500
  • Hard interventions such as common facility centres and raw material banks funded 90%, with 10% from the implementing agency
Only for artisansRunning businesses
10% of hard intervention cost from the implementing agencyOpen
Central government · DPIIT

Startup India Seed Fund Scheme SISFS

Early money for DPIIT-recognised startups for proof of concept, prototypes, product trials, market entry and commercialisation, given through selected incubators.

  • Financial help for proof of concept, prototype development, product trials, market entry and commercialisation
New businesses
Free to applyStatus unclear
Central government · Office of the Development Commissioner (Handlooms)

National Handloom Development Programme NHDP (Handloom)

The central handloom programme that gives weavers margin money on bank loans, worksheds and better looms through clusters, marketing fairs, insurance and scholarships.

  • Margin money of 20% of the loan, up to ₹25,000, for individual weavers and weaver entrepreneurs, under the April 2023 guidelines
  • Bank loans up to ₹10 lakh come under Weaver MUDRA and larger ones under concessional credit
Only for artisanshandicrafts
Free to applyOpen
Central government · Ministry of MSME

National SC-ST Hub NSSH

A bundle of subsidies, reimbursements and training for SC and ST owned micro and small enterprises, aimed especially at winning government orders.

  • Special Credit Linked Capital Subsidy of 25% on plant, machinery and equipment bought with a loan, up to ₹25 lakh
  • Free NSIC registration for tenders, giving free tender sets and exemption from earnest money deposit
Only for SC and STmanufacturing and services
Free to applyOpen
Central government · Ministry of Housing and Urban Affairs

PM Street Vendor's AtmaNirbhar Nidhi PM SVANidhi

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.

  • First loan up to ₹15,000, second up to ₹25,000 and third up to ₹50,000
  • UPI-linked RuPay credit card for vendors who repay the second loan on time
Only for street vendorsRunning businessestrading and services
Free to applyOpen
Central government · Coir Board

Coir Vikas Yojana CVY

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.

  • Development of Production Infrastructure, help to set up or modernise coir units
  • Skill Upgradation and Mahila Coir Yojana for coir artisans, mainly women
Not yet confirmedmanufacturing and handicrafts
Free to applyStatus unclear
Central government · Office of the Development Commissioner (Handicrafts)

National Handicraft Development Programme and the Pehchan artisan card NHDP (Handicraft)

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.

  • Pehchan card, linked to Aadhaar and issued after field verification, which is the entry to handicraft schemes
  • Design workshops, Guru Shishya training, skill upgradation courses and improved toolkits
Only for artisanshandicrafts
Free to applyStatus unclear
Central government · Coir Board

Mahila Coir Yojana MCY

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.

  • Two months of training for women artisans
  • Motorised ratts and other coir processing equipment that women can operate, at 75% subsidy after training, according to Coir Board guidelines
Not yet confirmedOnly for womenNew businesseshandicrafts and manufacturing
Free to applyStatus unclear

Rules on your side

25 entriesShowHide
Central government · Ministry of MSME

Udyam Registration Udyam

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.

  • Official recognition as a micro, small or medium enterprise with a permanent registration number and an online certificate with a QR code
  • Needed for most central MSME schemes, for priority sector lending by banks, and for protection under the delayed payment rules
Open
Central government · Ministry of MSME

45-day payment rule for micro and small suppliers under the MSMED Act 2006 45-day rule

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.

  • If the buyer pays late, it owes compound interest with monthly rests at three times the bank rate notified by the Reserve Bank
  • The supplier can take the dispute to the Facilitation Council for conciliation or mediation and then arbitration
Running businessesmanufacturing and services
Open
Central government · Ministry of Micro

Central public sector enterprises must settle MSME invoices through TReDS CPSE TReDS rule

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.

  • All operating central public sector enterprises must settle MSME invoices for goods and services through a TReDS platform
  • You still choose whether to take early finance on the invoice. Routing through TReDS does not force discounting
Running businesses
Open
Banks · Reserve Bank of India

Digital lending rules, agent and app fees paid by the lender Digital lending rules

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.

  • Any fee due to a lending service provider, the agent or app working for the lender, is paid directly by the lender and not collected from you
  • The loan goes straight into your own bank account and repayments go straight to the lender, with no pass-through account run by the app or agent
Open
Central government · Food Safety and Standards Authority of India

FSSAI food business registration and licence FSSAI registration

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.

  • Basic registration for annual turnover up to ₹1.5 crore, from 1 April 2026. The old limit was ₹12 lakh.
  • State licence for turnover above ₹1.5 crore and up to ₹50 crore
Open
Banks · Reserve Bank of India

Framework for Revival and Rehabilitation of MSMEs MSME revival framework

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.

  • Covers MSMEs with total loan limits up to ₹25 crore, including consortium accounts
  • You can start it yourself if you reasonably expect your business to fail, or if accumulated losses have eroded 50% of your net worth in the previous year
Running businesses
Open
Central government · Directorate General of Foreign Trade

Importer Exporter Code IEC

A code from DGFT, issued online against the business PAN, that any business needs before it imports or exports goods.

  • Needed for customs clearance of any commercial import or export, and for claiming export benefits under the Foreign Trade Policy
  • Issued automatically online, with the e-IEC sent by email and SMS and available on the DGFT dashboard
Open
Government of Kerala · Industries Department

Kerala MSME Facilitation Act 2019, Certificate of In-principal Approval

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.

  • The certificate counts as the approvals needed under state laws for three years and six months from issue
  • No inspections for those approvals during that period
New businesses
Open
Banks · Reserve Bank of India

Key Facts Statement for MSME term loans Key Facts Statement

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.

  • Covers all MSME term loans sanctioned on or after 1 October 2024, whatever the amount
  • Shows the annual percentage rate, which includes every charge the lender levies
Open
Central government · Ministry of MSME

Micro, Small and Medium Enterprises Development (Amendment) Act 2026 MSMED Amendment 2026

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.

  • In force from 15 October 2026, central public sector enterprises must settle invoices for goods and services bought from MSMEs through an RBI-authorised TReDS platform
  • In force from 15 October 2026, MSMEs are classified by both investment and turnover, and the national registration platform is free and voluntary
Running businesses
Open
Banks · Reserve Bank of India

No collateral for micro and small enterprise loans up to ₹20 lakh Collateral-free MSE loans

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.

  • No collateral security on loans up to ₹20 lakh to micro and small enterprise units
  • Banks may choose to go up to ₹25 lakh without collateral for units with a good track record and sound finances, under their own policy
Open
Banks · Reserve Bank of India

No prepayment charges on floating rate business loans to micro and small enterprises No foreclosure charges

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.

  • No prepayment charge from commercial banks other than small finance, regional rural and local area banks, from Tier 4 urban co-operative banks, upper layer NBFCs or all India financial institutions, whatever the loan size
  • No prepayment charge from small finance banks, regional rural banks, Tier 3 urban co-operative banks, state and district co-operative banks and middle layer NBFCs on loans up to ₹50 lakh
Open
Banks · Reserve Bank of India

Priority sector lending target for micro enterprises Priority sector lending

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.

  • All bank loans to MSMEs count as priority sector lending
  • Domestic commercial banks must lend 40% of their adjusted net bank credit, a measure of their total lending, to priority sectors
Open
Banks · Reserve Bank of India

RBI caution against unauthorised loan apps and fake lenders Loan scam warning

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.

  • Check that the lender is a bank, an RBI registered NBFC or a lender regulated by the State Government under its money lending law
  • A digital platform working for a bank or NBFC must tell you the name of that lender up front
Open
Central government · Department for Promotion of Industry and Internal Trade

Startup India recognition by DPIIT DPIIT recognition

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.

  • Income tax holiday of 100% of profits for any 3 consecutive years within the first 10, for recognised private limited companies and LLPs incorporated from 1 April 2016 and before 1 April 2030, with a certificate from the Inter-Ministerial Board
  • Self-certification under nine labour laws and, for white category industries, three environment laws, with no labour inspection for 3 to 5 years except on a credible written complaint
Open
Central government · Reserve Bank of India (platform rules)

TReDS invoice discounting and the CPSE payment mandate TReDS

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.

  • MSMEs get paid early by having approved invoices discounted by multiple financiers, without recourse to the MSME
  • From 15 October 2026, every central public sector enterprise must settle invoices for goods and services bought from MSMEs through an RBI-authorised TReDS platform (section 15A of the MSMED Act)
Running businesses
Open
Central government · Ministry of MSME

Public Procurement Policy for Micro and Small Enterprises Public Procurement Policy

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.

  • At least 25% of annual central government and CPSE purchases must come from micro and small enterprises
  • Within that, 4% must come from SC or ST owned units and 3% from women owned units
Running businessesmanufacturing and services
Open
Central government · Central Board of Indirect Taxes and Customs

Removal of the ₹10 lakh value cap on courier exports (Budget 2026-27) Courier exports

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.

  • No value cap per consignment on courier exports once the Courier Regulations are amended
  • Simpler returns and rejects procedure for e-commerce courier shipments
Status unclear
Central government · Central Board of Direct Taxes

Income tax deduction only when micro and small suppliers are paid on time (Section 43B(h), now section 37(2)(g)) Section 43B(h)

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.

  • Gives micro and small suppliers leverage, because a buyer that pays after 45 days, or after 15 days with no written agreement, loses the deduction for that year
  • The deduction is allowed only in the year the payment is actually made, and paying before the return due date does not save it
Not yet confirmedRunning businessesmanufacturing and services
Open

From banks

120 entriesShowHide
Banks · Bank of Baroda

Baroda Contractor Loan Scheme Baroda Contractor Scheme

Bank of Baroda's working capital, bank guarantee and letter of credit limits for MSMEs that work as contractors or sub-contractors.

  • From ₹10 lakh to ₹30 crore, counting cash and non-cash limits together
  • Overdraft and working capital, plus bank guarantees and letters of credit
Running businessesservices
Open
Banks · Bank of Baroda

Baroda Laghu Udyami Credit Card Laghu Udyami Credit Card

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.

  • Limit up to ₹10 lakh
  • Valid for 3 years, reviewed every year
Running businesses
Open
Banks · Dhanlaxmi Bank Limited

Business Loan

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.

  • For starting a new line of business or expanding the current one
  • Open to manufacturers, traders, wholesalers, retailers, contractors and service providers
Running businesses
Open
Banks · ESAF Small Finance Bank Limited

Business Loan

An ESAF Small Finance Bank loan of ₹10 to 25 lakh against collateral, for buying assets, expanding a business or working capital.

  • Loan of ₹10 lakh to ₹25 lakh with collateral
  • Tenure of 1 to 7 years with monthly repayment
Running businesses
Open
Banks · Canara Bank

Canara GST

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.

  • Working capital above ₹10 lakh up to ₹10 crore
  • Letters of credit for raw material and bank guarantees for advance payments can be given within the limit
Open
Banks · Canara Bank

Canara MSME Atithi (Mudra Can Atithi) Can Atithi

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.

  • Up to ₹10 lakh in the Mudra Shishu, Kishore and Tarun bands
  • Term loan, short-term loan or overdraft for working capital and equipment
services and tourism
Open
Banks · Canara Bank

Canara MSME Contractor MSME Contractor

Canara Bank working capital, bank guarantees and term loans above ₹25 lakh for civil, electrical, mechanical, mining and construction contractors registered with government agencies.

  • Working capital as a secured overdraft, above ₹25 lakh
  • Bank guarantees and letters of credit for working capital needs
services
Open
Banks · Canara Bank

Canara MSME Laghu Udhyam Credit Card Laghu Udyami Credit Card

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.

  • Overdraft or term loan up to ₹10 lakh in total
  • No collateral or third-party guarantee up to ₹10 lakh
Running businesses
Open
Banks · Canara Bank

Canara MSME Star MSME Star

Canara Bank's general term loan and overdraft above ₹10 lakh for MSMEs that can give property or approved securities as full collateral.

  • Loans above ₹10 lakh, with no top limit stated on the page
  • Term loan and secured overdraft, including non-fund based facilities
Open
Banks · Canara Bank

Canara MSME Start-up Plus Start-up Plus

Canara Bank loans above ₹20 lakh up to ₹20 crore for DPIIT-recognised start-ups that already have customers and revenue.

  • Working capital and term loans above ₹20 lakh up to ₹20 crore
  • Covers product and app building, machinery, licences, hiring, legal costs, marketing and office space
No processing fee for loans up to ₹1 croreOpen
Banks · Canara Bank

Canara e-GST

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.

  • Working capital above ₹1 lakh up to ₹5 crore, based on GST turnover
  • Open to existing Canara customers and to new customers
Running businesses
Open
Banks · Dhanlaxmi Bank Limited

Capacity Expansion (capex loans)

A Dhanlaxmi Bank loan for businesses that want to expand by buying machinery and other fixed assets.

  • For buying machinery, fixed assets and similar expansion needs
  • Dhanlaxmi Bank aims to decide MSME loan applications up to ₹25 lakh within 14 working days and larger ones within 40 working days
Running businesses
Open
Banks · Kerala Grameena Bank

Cash Credit KGB Cash Credit

Kerala Grameena Bank working capital for MSME traders, manufacturers and service providers, drawn against stock, raw materials and money owed to the business.

  • From ₹1 lakh, up to 20% of turnover depending on working capital need
  • For new units, up to 80% of the working capital the bank works out by its operating cycle method
Open
Banks · The Kerala State Financial Enterprises Ltd (KSFE)

Chitty Loan KSFE Chitty Loan

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.

  • Up to 50% of the total chitty value (the sala), with a ceiling of ₹1 crore
  • The loan amount is repaid from the prize money when you win it, with interest paid every month until then
Open
Banks · Kerala Grameena Bank

Contractors OD KGB Contractors OD

A Kerala Grameena Bank overdraft that gives working capital to civil, mining and construction contractors and sub-contractors in the MSME sector.

  • ₹10 lakh to 3 crore, based on the bank's assessment or nine times tangible net worth, whichever is lower
  • Fund based and non-fund based working capital as a running limit
services
Open
Banks · Small Industries Development Bank of India (SIDBI)

DIGICash SIDBI DIGICash

A digital working capital product from SIDBI, giving cash credit or overdraft to MSMEs with at least two years in business.

  • Cash credit or overdraft up to ₹5 crore
  • Digital working capital product
Running businesses
Open
Banks · Bank of Baroda

Digital MSME Loan

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.

  • Working capital from ₹10 lakh to ₹5 crore
  • Limit runs for 12 months and is reviewed every year
Running businessesmanufacturing and services
Open
Banks · Small Industries Development Bank of India (SIDBI)

EXPRESS (SIDBI Machinery Loan) SIDBI EXPRESS

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.

  • Up to ₹3 crore for new machinery and equipment
  • Repay over up to 60 months
Running businesses
Open
Banks · Small Industries Development Bank of India (SIDBI)

End To End Energy Efficiency (4E) Scheme SIDBI 4E

A SIDBI loan that pays for energy saving measures at an established MSME from start to finish, including equipment, installation, civil works and commissioning.

  • Up to 100% financing, with loans up to ₹15 crore
  • Covers equipment, machinery, installation, civil works and commissioning
Running businesses
Open
Banks · State Bank of India

Finance to Start-ups (MSME UDAAN) MSME UDAAN

SBI loans for DPIIT-recognised start-ups registered on Udyam and backed by a recognised incubator, accelerator or investor, up to ₹50 crore.

  • Term loan and working capital up to ₹50 crore
  • Covers prototype and app building, hiring, legal costs, raw materials, equipment, licences, marketing and office space
Open
Banks · Small Industries Development Bank of India (SIDBI)

Green Finance Scheme (GFS) SIDBI Green Finance

A SIDBI term loan for MSME green projects such as renewable energy, energy efficient buildings, waste and wastewater treatment and cleaner production.

  • Finances up to 75% of the project, with loans up to ₹100 crore
  • Repayment period set to suit the project
Open
Banks · Indian Bank

IB Contractors

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.

  • Overdraft, cash credit, term loan and bill finance, plus bank guarantees and letters of credit
  • From above ₹10 lakh up to ₹10 crore per borrower, and up to ₹20 crore per group, counting all facilities together
Running businessesservices
Open
Banks · Indian Bank

IB Tradewell

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.

  • Cash credit, secured overdraft, bank guarantee, letter of credit and bill discounting
  • Term loan up to ₹5 crore for equipment or to modernise the business premises
Running businessestrading
Open
Banks · Indian Bank

IND DIGI MSME

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.

  • Working capital from above ₹10 lakh up to ₹5 crore, or up to ₹20 lakh if you file tax returns under the presumptive scheme
  • Open to new and existing Indian Bank customers
Running businesses
Open
Banks · Indian Bank

IND GST Advantage

A fully digital working capital loan from Indian Bank for existing customers who are GST registered, with the limit worked out from GST sales.

  • Cash credit limit from ₹5 lakh to ₹25 lakh, set at 25% of GST declared sales over the last 12 months
  • No collateral and no margin. Covered under CGTMSE, with the guarantee fee paid by the borrower
Running businessesmanufacturing and services
Open
Banks · Indian Bank

IND GST SAHAY IND GST Sahay

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.

  • ₹10,000 to ₹2 lakh per invoice, up to ₹5 lakh per borrower to start with
  • Each loan runs for 60 days, against invoices up to 45 days old
Running businesses
Open
Banks · Indian Bank

IND SUVIDHA Micro Credit Card IND SUVIDHA

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.

  • Card limit from ₹10,000 to ₹5 lakh
  • Limit set at 20% of your existing loan limits, or 20% of the last 12 months of sales or account credits
Running businesses
Open
Banks · Indian Overseas Bank

IOB Guarantee Plus Guarantee Plus

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.

  • From above ₹20 lakh up to ₹10 crore
  • No collateral. Covered by CGTMSE up to ₹10 crore, with the premium paid by the borrower
Open
Banks · Indian Overseas Bank

IOB Merchant Credit Card (M-Card) IOB M-Card

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.

  • Card limit of 10% of your working capital limit, up to ₹5 lakh
  • Renewed every year with your working capital limit
trading
Open
Banks · Indian Overseas Bank

IOB SME Contractor SME Contractor

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.

  • From above ₹20 lakh up to ₹5 crore, counting cash and guarantee limits together
  • Cash credit renewed yearly, and term loans over up to 5 years with a 3 to 6 month holiday
Running businessesservices
Open
Banks · Indian Overseas Bank

IOB Tejas

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.

  • From above ₹20 lakh up to ₹9 crore
  • Repay over up to 120 months, including a moratorium of up to 6 months
Open
Banks · Indian Overseas Bank

IOB e-GST

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.

  • Working capital from ₹5 lakh to ₹5 crore
  • Limit set at the lower of 20% of B2B sales in GST returns or 20% of bank credits over the last 12 months
Running businesses
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB GST Mithra MSME Loan KB GST Mithra

A Kerala Bank working capital loan for enterprises in manufacturing, services and trade, sized on the business's GST returns and balance sheet.

  • Working capital assessed on GST returns and the balance sheet
  • ₹10 lakh to 40 lakh for individuals and partnerships
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Micro Finance to JLG and SHG KB Micro Finance

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.

  • Up to ₹20 lakh per self help group and ₹10 lakh per joint liability group
  • The amount is set in proportion to the group's savings
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Mithra MSME Loan KB Mithra

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.

  • Up to ₹40 lakh for individuals and up to ₹1 crore for companies
  • Term loan, working capital, or both, fund based and non-fund based
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Smart MSME Loan KB Smart

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.

  • Loan covers 90% of the project cost
  • Project cost up to ₹10 lakh for service and business units
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Suvidha MSME Loan KB Suvidha

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.

  • Up to ₹5 lakh, or up to ₹2 lakh for bus owners and small traders
  • Term loan or working capital
Running businesses
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Suvidha Plus MSME Loan KB Suvidha Plus

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.

  • Up to ₹5 lakh, or up to ₹2 lakh for small traders and bus owners
  • Term loan repaid over 60 months
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Tourism Development Loan KB Tourism

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.

  • Up to ₹30 lakh
  • Short term loan, term loan or running account
Running businessestourism
Open
Banks · The Kerala State Financial Enterprises Ltd (KSFE)

KSFE Chitty

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.

  • Monthly instalments from ₹1,000 to ₹6 lakh
  • Terms of 25 to 120 months, with short term chitties of 25 to 60 months and long term chitties of 60 to 120 months
Open
Banks · Bank of Baroda

MSME Capex Loan and Capex Card MSME Capex Loan

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.

  • Capex Loan from ₹25 lakh to ₹2 crore
  • Capex Card from ₹25 lakh to ₹5 crore
Running businessesmanufacturing and services
Open
Banks · Indian Overseas Bank

MSME Cash Flow Based Lending (MUDRA STP) IOB Cash Flow Based Lending

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.

  • Up to ₹10 lakh as a term loan or cash credit
  • No collateral. Covered under CGTMSE or the Mudra guarantee fund
Running businesses
No charges for loans up to ₹50,000, as stated on the product pageOpen
Banks · Indian Overseas Bank

MSME Insta Fund

Quick extra working capital from Indian Overseas Bank for its existing MSME borrowers who get an urgent bulk or additional order.

  • Need based limit up to ₹25 crore
  • Runs for 150 days, with a rollover of up to 30 days
Running businesses
Open
Banks · Indian Bank

MSME LAP MSME Loan Against Property

An Indian Bank loan against property for Udyam registered MSMEs, to expand, buy machinery or other assets, or buy, build or renovate business premises.

  • Term loan or dropline overdraft from above ₹10 lakh up to ₹25 crore
  • Repay over up to 120 months, extendable to 180 months in some cases
Open
Banks · ESAF Small Finance Bank Limited

MSME Loan

ESAF Small Finance Bank's range of working capital and term loans from ₹10 lakh for businesses in manufacturing, trading and services.

  • Loans starting from ₹10 lakh
  • Cash credit, overdraft, vendor bill discounting and working capital term loans
Running businesses
Open
Banks · Dhanlaxmi Bank Limited

Micro Credit for Self Help Groups

Dhanlaxmi Bank lends to self help groups, directly or through NGOs, so members can take small loans for income earning work or household needs.

  • Loan of up to seven times the savings the group has built up
  • Repayment agreed with the group based on its income, up to five years, or longer for projects depending on their income
Open
Banks · Kerala Grameena Bank

Mudra Loans KGB Mudra

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.

  • Shishu, up to ₹50,000, with no owner contribution
  • Kishore, ₹50,001 to ₹5 lakh, with a 15% owner contribution
Open
Banks · Union Bank of India

PSB Loans in 59 Minutes, Union Bank of India Union PSB 59 minutes

Union Bank of India takes MSME loan requests through the PSB Loans in 59 Minutes platform, which gives a digital approval online.

  • Digital approval in 59 minutes, from anywhere
  • Sanction or payout generally expected in 7 to 8 working days after digital approval, depending on the information and documents given
Running businesses
Open
Banks · Indian Bank

Pre Approved Business Loan

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.

  • Term loan from above ₹1 lakh up to ₹10 lakh
  • Fixed tenure of 36 months, repaid in monthly instalments
Running businesses
No processing or documentation charge. The page lists credit report charges of ₹30 and ₹805, recovered at disbursementOpen
Banks · Small Industries Development Bank of India (SIDBI)

SEHAT SIDBI SEHAT

A SIDBI term loan for healthcare MSMEs such as clinics and diagnostic centres to buy CT, MRI, ultrasound, X-ray and other medical equipment.

  • Up to ₹15 crore for medical equipment
services
Open
Banks · Kerala Grameena Bank

SHG Linkage KGB SHG Linkage

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.

  • Joint liability groups of 4 to 10 members, up to ₹5 lakh, with a ceiling of ₹50,000 per member
  • Self help groups of 10 to 20 members, up to ₹10 lakh for the first and second loans and up to ₹15 lakh after that, based on the group's savings
Open
Banks · CSB Bank Limited

SME Banking term loans and working capital

CSB Bank's lending for small and medium businesses, covering term loans, cash credit and overdraft, bill discounting, trade finance and commercial vehicle loans.

  • Term loans for 1 to 30 years, secured against fixed assets or other collateral, for needs such as capacity expansion and plant modernisation
  • Cash credit or overdraft drawn as needed up to a set limit, for day to day needs such as raw materials
Open
Banks · State Bank of India

SME Digi Sugam Digi Sugam

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.

  • Loan from ₹1 lakh to ₹50 lakh
  • Limit is 25% of turnover over the last 12 months, taking the lowest of GST sales, credits into the bank account and the next 12 months projection
Running businesses
Flat charge of ₹10,000 at sanction, and ₹5,000 for a top-upOpen
Banks · State Bank of India

SME Laghu Udyami Laghu Udyami

SBI's collateral-free small business loan of up to ₹10 lakh for micro units, small shops and traders, professionals and the self-employed.

  • Cash credit or term loan up to ₹10 lakh
  • For any business need, including buying a shop
Running businesses
Processing fee of ₹1,000 plus GSTOpen
Banks · State Bank of India

SME Smart Score Smart Score

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.

  • Above ₹10 lakh up to ₹50 lakh
  • Dropline overdraft, cash credit or term loan, or a mix
Open
Banks · Union Bank of India

Union Equipment Finance

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.

  • ₹10 lakh to ₹50 crore
  • No collateral. The equipment bought is hypothecated to the bank
Running businesses
Open
Banks · Union Bank of India

Union MUDRA Scheme Union Mudra

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.

  • Shishu, Kishore and Tarun loans, up to ₹10 lakh as shown on Union Bank's page
  • Composite loan, term loan or working capital
Open
Banks · Dhanlaxmi Bank Limited

Working Capital Facilities

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.

  • Cash credit, overdraft or a working capital loan to meet the full working capital need of the business
  • Bill and invoice discounting to bridge short term gaps, including supply chain finance and discounting of bills backed by letters of credit
Running businesses
Open
Banks · Bank of Baroda

bob Digi Udyam

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.

  • From above ₹10 lakh up to ₹2 crore
  • Collateral free
Running businesses
Open
Banks · Canara Bank

MSME Bills Discounting for Kerala Canara Kerala bills discounting

Canara Bank discounts bills for completed work raised by contractors, suppliers and accredited agencies to Government of Kerala departments, institutions and local bodies.

  • Cash against bills for completed Government of Kerala work, including PWD contracts
  • No upper or lower limit and no margin
services and trading
Status unclear
Banks · Bank of Baroda

BOB Weaver Mudra Scheme BOB Weaver Mudra

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.

  • Up to ₹5 lakh in total, as a demand loan and working capital
  • Government margin money help of 20% of the loan, up to ₹25,000
Only for artisansRunning businesseshandicrafts
Open
Banks · Bank of Baroda

Baroda Artisans Credit Card Artisans Credit Card

A revolving credit limit from Bank of Baroda for artisans who make things, covering working capital and the cost of tools and equipment.

  • Limit up to ₹2 lakh, drawn and repaid again and again within the limit
  • Covers working capital and tools and equipment
Only for artisanshandicrafts and manufacturing
Open
Banks · Bank of Baroda

Baroda Mahila Swavalamban Mahila Swavalamban

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.

  • Collateral free up to ₹5 crore when the loan is covered under CGTMSE
  • Repay over up to 10 years
Only for women
Open
Banks · Canara Bank

Canara Mahila Vikas Mahila Vikas

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.

  • Loans above ₹10 lakh, with no top limit stated on the page
  • Working capital as an overdraft, and term loans
Only for women
Open
Banks · Indian Bank

IND MSME SAKHI IND MSME Sakhi

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.

  • Term loan from above ₹10,000 up to ₹4 lakh
  • Repay over up to 60 months, including any moratorium
Only for women
No processing charge, as stated on the product pageOpen
Banks · Indian Bank

IND PM Vishwakarma

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.

  • Up to ₹3 lakh in two parts, up to ₹1 lakh first and up to ₹2 lakh later
  • First part repaid over 18 months, second part over 30 months
Only for artisanshandicrafts
No processing charge, as stated on the product pageOpen
Banks · Indian Overseas Bank

IOB Mahila Samriddhi Mahila Samriddhi

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.

  • From above ₹20 lakh up to ₹10 crore
  • Covered by CGTMSE up to ₹10 crore, with the premium paid by the borrower. The bank's scheme list says no collateral up to ₹5 crore
Only for women
No processing charge for loans up to ₹50 lakh, as stated on the product pageOpen
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Pravasi Badratha MSME Loan KB Pravasi Badratha

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.

  • Up to ₹5 lakh in total
  • Term loan up to 80% of the project cost or ₹5 lakh, whichever is less, repaid over up to 60 months
Only for returnees from abroad
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Pravasi Kiran MSME Loan KB Pravasi Kiran

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.

  • Up to ₹24 lakh for a wholesale business and ₹16 lakh for a retail business
  • Term loan, working capital, or a mix of both
Only for returnees from abroadNew businesses
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Sahaja Micro Finance to JLG, SHG and SAF KB Sahaja

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.

  • Aimed at women entrepreneurs in groups
  • Term loan repaid over 36 months in monthly instalments
Only for women, young entrepreneurs, fishing families
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Vanitha Plus Vanitha Plusകേരള ബാങ്ക് വനിതാ പ്ലസ്

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.

  • Business loan of up to ₹5 lakh, repaid over up to 7 years
  • For food catering business needs, up to ₹1 lakh, repaid over up to 5 years
Only for women
Open
Banks · Kerala State Co-operative Bank (Kerala Bank)

KB Yuvamithra MSME Loan KB Yuvamithra

A Kerala Bank loan for entrepreneurs under 35 who run or start a micro, small or medium enterprise in manufacturing, services or trading.

  • Up to ₹40 lakh for individuals and up to ₹1 crore for companies
  • Term loan, working capital, or both, fund based and non-fund based
Only for young entrepreneurs
Open
Banks · Kerala Grameena Bank

NRLM / NULM KGB NRLM loans

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.

  • Up to ₹15 lakh, based on the group's micro credit plan
  • No collateral up to ₹10 lakh
Only for women
Open
Banks · The Kerala State Financial Enterprises Ltd (KSFE)

Pink Chits KSFE Pink Chits

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.

  • Three plans over 60 months, ₹1,500, ₹2,500 or ₹5,000 a month, for a total chitty value of ₹90,000, ₹1,50,000 or ₹3,00,000
  • ₹500 credited to the chitty account after the 10th, 30th and 59th instalments if paid on time, up to ₹1,500 in all
Only for women, transgender persons
Open
Banks · Kerala Grameena Bank

Subsidy Linked Schemes KGB NSFDC loans

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.

  • Laghu Vyavasaya Yojana for small business, project cost up to ₹2 lakh, loan up to 90% of the cost with a ceiling of ₹1,80,000, repaid within 5 years
  • Mahila Samriddhi Yojana for women's small business, project cost up to ₹50,000, loan up to 90% of the cost with a ceiling of ₹45,000, repaid within 3 years
Only for SC and ST
Open
Banks · Union Bank of India

Union Nari Shakti Scheme Union Nari Shakti

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.

  • Loans from ₹2 lakh with no fixed top limit, based on the business's need
  • Women's self help groups can borrow up to ₹20 lakh
Only for women
No processing charge up to ₹2 croreOpen
Banks · Indian Bank

Weaver MUDRA Scheme Weaver MUDRA

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.

  • Up to ₹10 lakh for individual weavers, SHGs and joint liability groups
  • Up to ₹1 crore for handloom organisations and producer companies
Only for artisanshandicrafts
Open
Banks · The Federal Bank Limited

CGTMSE Power

A Federal Bank term loan or working capital loan for micro and small enterprises, backed by a CGTMSE guarantee so less collateral is needed.

  • Term loan or working capital with CGTMSE guarantee cover, which reduces the need for collateral
  • Loans up to ₹1 crore
Not yet confirmed
Open
Banks · The Federal Bank Limited

Contractor Plus

Federal Bank finance for contractors and sub-contractors doing work for government departments and public sector bodies, covering working capital, guarantees and equipment.

  • Working capital for materials and other running costs of a contract
  • Bank guarantees and letters of credit to secure the contract and pay suppliers
Not yet confirmedRunning businesses
Open
Banks · The Federal Bank Limited

Federal Insta Loans Platform

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.

  • In-principle sanction in under 30 minutes, worked out automatically from GST data, income tax returns, bank statements and credit bureau records
  • In-principle sanctions for business loans up to ₹2 crore, according to the current product page
Not yet confirmedRunning businesses
Open
Banks · The Federal Bank Limited

GST Lite

A Federal Bank working capital loan sized on a business's GST returns, for GST filers who need quick funding.

  • Working capital assessed from the business's GSTR returns, with minimal paperwork
  • Taken as a cash credit or a term loan
Not yet confirmedRunning businesses
Open
Banks · The Federal Bank Limited

LAP OD Scheme

A Federal Bank overdraft against property for businesses, used for stock, running costs and supplier payments without monthly stock statements.

  • Overdraft against property with no need to submit stock statements
  • For buying stock, covering running costs and paying suppliers
Not yet confirmedRunning businesses
Open
Banks · The Kerala State Financial Enterprises Ltd (KSFE)

Pravasi Bhadratha Micro (NORKA-KSFE Micro Enterprises Assistance Scheme) Pravasi Bhadratha Micro

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.

  • Loans up to ₹5 lakh
  • Capital subsidy of 25% of the loan, up to ₹1 lakh
Only for returnees from abroadNew businesses
Status unclear
Banks · The Federal Bank Limited

Quick Biz

A Federal Bank business loan backed by gold ornaments, deposits or other approved securities, with digital onboarding and quick payout.

  • Secured by gold ornaments of at least 22 carat, bank deposits, or approved securities such as NSC, KVP, LIC policies or government securities
  • Loan amounts above ₹5 lakh and up to ₹1 crore
Not yet confirmed
Open
Banks · The South Indian Bank Limited

SIB GST Power Business Loan

A South Indian Bank overdraft for GST registered MSMEs and agro processing units, with the limit worked out from GST returns and past accounts.

  • Overdraft of ₹10 lakh to ₹5 crore, sized on GST returns and the firm's financial record
  • Interest only on the amount used, and you can repay and draw again within the limit
Not yet confirmedRunning businesses
Open
Banks · The South Indian Bank Limited

SIB LAP Power

A South Indian Bank loan against residential or commercial property, used to grow a business, move a loan from another bank or combine debts.

  • Loans of ₹10 lakh to ₹7.5 crore depending on the property value
  • Taken as an overdraft, a dropline overdraft or a term loan
Not yet confirmedRunning businesses
Open
Banks · The South Indian Bank Limited

SIB Small Business Loan

A South Indian Bank loan of ₹10 to 50 lakh for self-employed business owners and professionals with at least 3 years in business.

  • Loans of ₹10 lakh to ₹50 lakh for businesses in any sector
  • Taken as an overdraft, a term loan or a dropline overdraft, depending on cash flow
Not yet confirmedRunning businesses
Open
Banks · The Federal Bank Limited

SME Bank Guarantee

Federal Bank bank guarantees for small businesses, including bid bonds, performance guarantees and guarantees in place of earnest money deposits for tenders.

  • Financial and performance guarantees
  • Bid bonds, performance bonds and export performance guarantees
Not yet confirmedRunning businesses
Open
Banks · Kerala Grameena Bank

Kerala Enterprises Loan Scheme KGB KELS

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%.

  • Term loan, overdraft or composite loan for assets, working capital or marketing needs
  • On loans up to ₹10 lakh, the state pays up to 5% of the interest so the owner pays a net 4%, for the first 5 years or until the loan is closed, whichever comes first
Not yet confirmed
Status unclear

Websites that help you find and apply

17 entriesShowHide
Banks · KredX Platform Private Limited

DTX by KredX DTX

An RBI authorised TReDS platform run by KredX, where MSMEs can get early payment on invoices accepted by their buyers.

  • Authorised by RBI on 1 January 2025
  • Digital onboarding with no paper forms, the platform says
Running businesses
Open
Banks · A.TREDS Limited

Invoicemart

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.

  • Authorised by RBI on 29 June 2017
  • Fully digital onboarding with no branch visit
Running businesses
Open
Government of Kerala · Industries Department

K-SWIFT single window clearance portal K-SWIFTകെ- സ്വിഫ്റ്റ്

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.

  • One application point for over 90 state clearances and renewals
  • Issues the Certificate of In-principal Approval to MSMEs outside the Red category
Open
Banks · Mynd Solutions Private Limited

M1xchange

An RBI authorised TReDS platform where MSMEs can sell invoices accepted by their buyers and get paid early by competing financiers.

  • Authorised by RBI on 20 March 2017
  • Invoice finance without recourse and without collateral
Running businesses
Open
Central government · Ministry of MSME

MSME Champions portal CHAMPIONS

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.

  • Register grievances, which go to the officials concerned
  • Seek guidance and information on schemes and problems
Open
Central government · Ministry of MSME

MSME ODR portal (successor to MSME Samadhaan) for delayed payments MSME ODR

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.

  • End-to-end online filing and tracking of delayed payment claims
  • Voluntary pre-council stage with a digital guided pathway and automated online negotiation
Running businessesmanufacturing and services
Open
Central government · DPIIT

One District One Product ODOP

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.

  • Kerala products on the ODOP list of 31 December 2025 are Alappuzha coir products, Ernakulam oleoresins (listed as Oleo Raisins), Idukki spices, Kannur handloom products, Kasaragod cashew products, Kollam cashew nut products, Kottayam rubber products, Kozhikode coconut products, Malappuram food products, Palakkad Palakkadan Matta rice, Pathanamthitta food products, Thiruvananthapuram handloom products, Thrissur coconut products and Wayanad coffee
  • ODOP storefront on GeM with more than 500 product categories
Open
Central government · National e-Governance Division

myScheme

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.

  • Search and eligibility matching across central and state schemes in one place
  • Explains how to apply for each scheme
Open
Central government · Ministry of Commerce and Industry

Government e-Marketplace GeM

The online marketplace where central and many state government buyers purchase goods and services, open to MSEs, startups, women entrepreneurs and SHGs as sellers.

  • Direct access to government buyers
  • Womaniya for women-led enterprises and SHGs, with over 2 lakh women-led MSEs registered by January 2026
Running businesses
Open
Government of Kerala · Directorate of Industries and Commerce

Industries Department schemes portalവ്യവസായ ജാലകം

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.

  • Apply online and check the status of applications
Status unclear
Central government · Department of Financial Services

Jan Samarth

A single government portal to check eligibility and apply online for several government-linked loan schemes, with self-service or assisted application.

  • One online application for several credit-linked government schemes
  • Self journey or assisted journey
Open
Central government · SIDBI

SIDBI MSME Exchange, Machinery Portal MSME Exchange

A SIDBI platform launched in May 2026 that combines finding machinery with finance for buying it.

  • Machinery discovery linked to institutional finance
manufacturing and services
Open
Central government · Directorate General of Foreign Trade

Trade Connect ePlatform and Niryat Bandhu Trade Connect

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.

  • Trade agreement information and a tariff explorer to check FTA benefits
  • Country and product guides, a global e-commerce guide and a list of trade events worldwide
Open
Banks · State Level Bankers' Committee

State Level Bankers' Committee, Kerala SLBC Kerala

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.

  • Shows the lead bank for each of Kerala's 14 districts, whose Lead District Manager office coordinates the banks in that district
Not yet confirmed
Open

Help near you

15 entriesShowHide
Government of Kerala · Industries and Commerce Department

Kerala Institute for Entrepreneurship Development KIED

The Industries Department's institute for entrepreneurship training, running entrepreneurship development programmes, skill courses and support for college entrepreneurship clubs.

Not yet confirmed
Not confirmedStatus unclear

Open data and reports

3 entriesShowHide
Government of Kerala · Directorate of Industries and Commerce

Directory of Testing Facilities for MSMEs in Kerala

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.

  • One list of testing and certification labs for Kerala and nearby regions
  • Notes on mandatory certification and on schemes that help pay for testing
Open
Central government · Ministry of MSME

MSME Performance Smartboard MSME dashboard

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.

  • Scheme-wise performance figures, some real time and some monthly
  • Pages for PMEGP, CGTMSE, MSE-CDP, SFURTI, SRI Fund, Samadhaan, Sambandh and PM Vishwakarma
Open

What changed recently

  1. Sustainability in Spice Sector through Progressive, Innovative and Collaborative Interventions for Export Development

    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.

  2. NORKA Private Industrial Estate Scheme 2026

    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.

  3. Coffee Board support to coffee curing units (Integrated Coffee Development Project)

    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.

  4. Dairy Development Department annual plan schemes 2026-27 (Milk Shed Development Programme and dairy farm hygiene)

    Applications for 2026-27 open on Ksheerasree from 23 October to 7 November 2026, according to the department's press note.

  5. Micro, Small and Medium Enterprises Development (Amendment) Act 2026

    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.

  6. SME Growth Fund

    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.

  7. Chief Minister's Entrepreneurship Development Programme, Edition III

    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.

  8. Self-employment subsidy on bank loans for persons with disabilities

    Applications invited by notice No. KSHPWC/611/2026-PA dated 28 July 2026 for 2026 to 2027. No closing date is given.

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