सरकारी विकास एजेंसी (Govt Agency)मियादी ऋण (Term Loan)✓ Margin Money Subsidy: 15% to 35% (Max ₹7.0 Lakh in rural special category)सत्यापित: 2026-09-29 (180-दिवसीय SLA)

पीएमईजीपी सेवा एवं व्यापार उद्यम ऋण (₹20 लाख तक)

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

New service enterprise credit up to ₹20 Lakh with 15% to 35% government capital subsidy.

अधिकतम ऋण राशिUp to ₹20 Lakh (Subsidy 15%–35%)

ब्याज दर8.50% – 10.50%

पुनर्भुगतान अवधिUp to 7 years

प्रोसेसिंग शुल्कNil for subsidy processing

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

उत्पाद का संक्षिप्त विवरण

PMEGP credit-linked capital subsidy program specifically for setting up new service and business ventures (diagnostics, repair centres, IT hubs, food catering, salons) up to ₹20 Lakh.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Up to 35% capital subsidy; borrower brings only 5% to 10% own equity; bank credit finances balance 90%–95%.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

Individuals above 18 years, 8th pass mandatory for service projects above ₹5 Lakh. Clean credit history.

जमानत / कोलेटरल आवश्यकता (Collateral)

Collateral-free up to ₹10 Lakh; CGTMSE covered above ₹10 Lakh

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

Zero prepayment penalty on floating rate loans

📂आवश्यक दस्तावेज (Required Documents)

Service Project Profile / DPR, Aadhaar, Education Certificate (8th pass), Category certificate, Rural certificate (if applicable).

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

Only greenfield service ventures eligible. Negative list applies (tobacco, alcohol, meat shops, non-biodegradable polythene units strictly ineligible).

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online at kviconline.gov.in/pmegpeportal.

2. नए उद्यमी (ऑनलाइन):

3. बैंक शाखा में जाकर:

Forwarded to applicant-chosen bank branch after task force committee scoring.

आधिकारिक आवेदन पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum subsidy for a service enterprise?

For service units, maximum project cost is ₹20 Lakh. The highest subsidy is 35% (₹7.0 Lakh) for Special category in rural locations.

Can a retail shop qualify under PMEGP service sector?

Retail trade of manufactured goods is generally excluded; service activities like service stations, repair workshops, labs, and cloud kitchens are eligible.

What education qualification is required for service loans above ₹5 Lakh?

The applicant must have passed at least the 8th standard examination.

What is the EDP training requirement?

Completion of Entrepreneurship Development Programme (EDP) of 5 days (for projects up to ₹5 Lakh) or 10 days (above ₹5 Lakh) is mandatory.