SIDBI (Direct Financing)Term Loan (Capex / Expansion)Women-Led Enterprises🛡️CGTMSE CoveredVerified: 2026-09-29

SIDBI PRATHAM Scheme for SC/ST and Women MSMEs

Primary Lending Institution:Small Industries Development Bank of India (SIDBI)

₹10 Lakh to ₹1 Crore MSME credit at 8.00% – 9.25% (Ultra-concessional) with Up to 7 years tenure.

Interest Rate8.00% – 9.25% (Ultra-concessional)Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹10 Lakh to ₹1 CroreBased on turnover & project cost

Repayment TenureUp to 7 yearsWith moratorium where applicable

Collateral SecurityRestricted strictly to entities where SC, ST, or Women hold at least 51% equity.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Restricted strictly to entities where SC, ST, or Women hold at least 51% equity.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?

Direct concessional financial assistance from SIDBI for enterprises promoted by SC, ST, and Women entrepreneurs.

Key Benefits & Features

Ultra-concessional interest rates; zero processing charges; dedicated SIDBI relationship desk; equity and working capital support.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

SC, ST, or Women entrepreneurs setting up or expanding MSME units.

Business VintageNew & Existing units eligible

Min. Annual TurnoverTurnover proportionate

Processing FeeNil processing fee

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/pratham with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?

Borrowers can avail ₹10 Lakh to ₹1 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?

The processing fee is Nil processing fee. Collateral terms: Restricted strictly to entities where SC, ST, or Women hold at least 51% equity.

What are the eligibility criteria for SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?

SC, ST, or Women entrepreneurs setting up or expanding MSME units. Minimum business vintage required is 0 year(s).

How can an applicant apply for SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?

Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/pratham or visit nearest branch with KYC, Udyam registration, and bank statements.