सरकारी विकास एजेंसी (Govt Agency)मियादी ऋण (Term Loan)✓ Margin Money Subsidy: 15% to 35% directly credited to subsidy reserve accountसत्यापित: 2026-09-29 (180-दिवसीय SLA)

पीएमईजीपी विनिर्माण उद्यम ऋण (₹50 लाख तक)

ऋण प्रदाता बैंक / संस्था: Ministry of Micro, Small and Medium Enterprises

Greenfield manufacturing setup credit up to ₹50 Lakh with 15% to 35% government capital subsidy.

अधिकतम ऋण राशिUp to ₹50 Lakh (Subsidy 15%–35%)

ब्याज दर8.50% – 10.50% (Standard bank MSME rate on loan component)

पुनर्भुगतान अवधिUp to 7 years (with 3-year subsidy lock-in)

प्रोसेसिंग शुल्कNil for subsidy processing; nominal bank charges on loan

💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Flagship credit-linked subsidy scheme administered by KVIC, KVIB, and DIC providing bank loans up to ₹50 Lakh for setting up new manufacturing enterprises with 15% to 35% government subsidy.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Up to 35% government capital subsidy (₹17.5 Lakh maximum subsidy); bank finances up to 90%–95% of project cost; own contribution only 5% to 10%.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

Any individual above 18 years; at least 8th standard pass for manufacturing projects above ₹10 Lakh. Only new projects eligible.

जमानत / कोलेटरल आवश्यकता (Collateral)

No collateral required for projects up to ₹10 Lakh; CGTMSE coverage for loans above ₹10 Lakh

प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)

Prepayment permitted but subsidy locked for 3 years

📂आवश्यक दस्तावेज (Required Documents)

Detailed Project Report (DPR), Aadhaar, Caste/Category Certificate (for Special category 35% subsidy), Rural area certificate (for 35% subsidy), 8th pass certificate.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

Strictly restricted to brand-new (greenfield) manufacturing projects. Existing units cannot apply for 1st loan. 8th pass minimum qualification mandatory for projects above ₹10 Lakh.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online at kviconline.gov.in portal.

2. नए उद्यमी (ऑनलाइन):

Submit project proposal on PMEGP e-Portal (kviconline.gov.in/pmegpeportal/).

3. बैंक शाखा में जाकर:

After online score generation, application is forwarded to applicant's selected financing bank branch.

आधिकारिक आवेदन पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum subsidy under PMEGP manufacturing?

The maximum project cost is ₹50 Lakh. For Special Category borrowers in rural areas, the subsidy is 35% (maximum ₹17.50 Lakh).

Who qualifies for Special Category 35% subsidy?

SC, ST, OBC, Minorities, Women, Ex-Servicemen, Differently-Abled, and residents of NER, Hill and Border areas qualify for Special Category.

How does the Margin Money subsidy work?

The government subsidy is credited to a Subsidy Reserve Fund account with the financing bank, kept locked for 3 years, and adjusted against loan principal upon physical verification.

Is physical training required for PMEGP?

Yes, mandatory Entrepreneurship Development Programme (EDP) training (online or offline) must be completed before loan disbursement.