Eligo is India's independent civic information platform for government schemes — not affiliated with any government body.
Showing all verified Central and State programs operating in Punjab supporting the banking & financial services sector.
Agricultural input support and family wedding assistance form the traditional bedrock of Punjab's welfare measures for over 2.7 crore residents. The Ashirwad scheme grants direct financial assistance for the marriage of underprivileged daughters, while subsidized power and canal irrigation protect agrarian productivity. Policy administration is governed by the Department of Social Justice, Empowerment and Minorities and the Department of Agriculture and Farmers Welfare.
All eligibility criteria, benefit amounts, and application portals listed here are sourced directly from official .gov.in / .nic.in portals and verified under Eligo's 180-day re-verification SLA.
Central interest subvention of 3% per annum on term loans up to ₹2 Crore for a maximum tenure of 7 years for agricultural infrastructure creation.
Credit guarantee coverage under CGTMSE for term loans up to ₹2 Crore for setting up post-harvest agricultural infrastructure and community farming assets.
Back-ended capital subsidy up to 33.33% (max ₹30 Lakh to ₹50 Lakh) linked with bank term loans for developing agricultural marketing and storage infrastructure.
Guaranteed pension scheme administered by PFRDA for unorganized sector workers offering monthly pensions of ₹1,000 to ₹5,000 from age 60.
Guaranteed lifetime monthly pension of ₹1,000 upon reaching 60 years of age for unorganized sector workers joining between 18 and 40 years.
Statutory lifetime monthly pension of ₹2,000 after 60 years of age with full spousal pension and ₹3.40 Lakh return of corpus to nominee.
Lifelong guaranteed pension of ₹3,000 per month upon attaining age 60, with spouse coverage and ₹5.10 Lakh nominee corpus return.
Guaranteed lifetime monthly pension of ₹4,000 after 60 years of age with full spousal pension and ₹6.80 Lakh terminal corpus return.
Maximum guaranteed lifetime monthly pension of ₹5,000 from age 60 onwards, with ₹5,000 spousal pension and ₹8.50 Lakh return of corpus to nominee.
Government pays 100% of EPF contribution (12% employee + 12% employer = 24%) for new workers for 2 years supporting beneficiaries across All India.
Special 10% concession on annual guarantee fees and up to 85% credit guarantee cover for manufacturing MSMEs achieving Bronze, Silver, or Gold ZED certification.
Credit guarantee coverage up to 85% for institutional loans up to ₹2 Crore sanctioned to Farmer Producer Organizations and agri-aggregators.
Institutional credit guarantee coverage up to 85% for collateral-free bank loans up to ₹50 Lakh provided to micro manufacturing and service units.
Default guarantee coverage up to 85% for co-originated loans extended jointly by scheduled commercial banks and NBFCs to Micro and Small Enterprises.
Credit guarantee coverage up to 75% for small manufacturing and service enterprises on bank credit facilities from ₹50 Lakh up to ₹5 Crore.
Guarantee coverage for credit facilities where borrower provides partial primary collateral, with CGTMSE guaranteeing the uncovered credit portion up to ₹5 Crore.
Institutional credit guarantee covering the unsecured portion of bank loans up to ₹5 Crore where the borrower provides partial primary collateral.
Enhanced 85% credit guarantee coverage and fee concessions for MSEs located in NITI Aayog Aspirational Districts, North Eastern Region, and Ladakh.
Enhanced 85% credit guarantee coverage and discounted guarantee fees for Scheduled Caste and Scheduled Tribe MSE promoters on bank loans up to ₹5 Crore.
Enhanced credit guarantee up to 85% and 10% concession on annual guarantee fees for women-led micro and small enterprises up to ₹5 Crore.
Comprehensive cashless OPD consultations, medicines, and empanelled hospital treatment for central government employees and pensioners.
Full interest subsidy during study and moratorium period on educational loans for EWS students transferred via DBT to verified beneficiary accounts.
25% capital subsidy on bank project loans up to ₹10 Lakh for establishing coir manufacturing units verified from official government notifications.
Centrally sponsored project allocating ₹2,516 crore to computerize 63,000 functional PACS onto an ERP cloud platform covering eligible citizens across India.
Central guarantee scheme facilitating collateral-free term loans and working capital up to ₹5 crore from banks for Scheduled Caste entrepreneurs.
Up to 85% credit guarantee cover for collateral-free bank loans up to ₹2 Crore availed by Farmer Producer Companies available across districts in All India.
Premier credit guarantee scheme providing collateral-free bank loans up to ₹5 Crore with 75% to 85% credit guarantee cover for micro and small enterprises.
Collateral-free business loans up to ₹5 Crore with up to 85% credit guarantee cover for MSEs transferred via DBT to verified beneficiary accounts.
Government-backed guarantee mechanism administered by NCGTC providing collateral-free loans up to Rs. 10 Crore to DPIIT-recognized startups through member lending institutions.
Subordinate debt up to ₹75 Lakh with 90% credit guarantee to revive stressed and NPA MSME accounts verified from official government notifications.
Interest subvention on bank loans up to ₹3 Lakh bringing the effective borrowing rate down to 7% (4% on prompt repayment).
₹20,000 Revolving Fund and up to ₹2.5 Lakh Community Investment Fund grant per SHG transferred via DBT to verified beneficiary accounts.
Full interest subsidy during study abroad moratorium on education loans for OBC and EBC students implemented across all states and union territories.
MeitY "Fund of Funds" managed by CANBANK Venture Capital creating venture capital ecosystems in electronics, nano-electronics, and IT.
100% sovereign credit guarantee for collateral-free top-up term loans up to 20% of outstanding credit for eligible MSME borrowers.
100% sovereign guarantee for top-up term loans up to 20% of outstanding debt for business enterprises in 26 stressed sectors identified by the Kamath Committee.
100% sovereign credit guarantee for collateral-free top-up loans up to 40% (or ₹200 Crore) for hospitality, travel, tourism, and leisure enterprises.
100% sovereign credit guarantee for concessional bank loans up to ₹2 Crore at capped 7.5% interest to set up on-site oxygen generation plants.
Matching equity grant up to ₹15 Lakh per Farmer Producer Company to strengthen capital base and borrowing capacity available across districts in All India.
MHA framework and 1930 national helpline for real-time reporting and freezing of defrauded money in digital financial frauds.
RBI and DGFT interest subvention providing 2% to 3% interest relief on working capital export credit for MSME manufacturers.
Full interest subsidy on education loans during moratorium for meritorious students pursuing masters and PhD abroad available across districts in All India.
Ministry of Corporate Affairs statutory framework enabling citizens to refund unpaid dividends, matured deposits, and shares transferred to IEPF.
Working capital credit facility up to ₹2 Lakh at 4% effective interest rate for dairy farmers, cattle breeders, poultry growers, and piggery owners.
Concessional institutional short-term credit up to ₹2 Lakh at an effective interest rate of 4% per annum for animal husbandry and dairy farmers.
Concessional working capital bank credit up to ₹2 Lakh at an effective 4% interest rate for inland and marine fishers and fish farmers.
Subsidized working capital credit up to ₹2 Lakh at 4% effective interest for small and backyard poultry farmers available across districts in All India.
Affordable operational credit up to ₹2 Lakh at 4% effective interest for small-scale pastoralists and small ruminant rearers.
Guaranteed small savings certificate doubling invested capital in 115 months at 7.5% fixed interest with sovereign safety and premature exit after 2.5 years.
Sovereign small savings certificate designed exclusively for women and girls, offering 7.5% fixed quarterly compound interest over a 2-year tenure.
Central interest subvention of 1.5% with 3% prompt repayment incentive on short-term crop loans up to ₹3 Lakh, lowering effective borrowing cost to 4%.
Term loans with 3% interest subvention and up to 25% credit guarantee for dairy, meat processing, animal feed plants, and breed multiplication farms.
Concessional term loans at 2.5% interest subvention for milk unions, dairy federations, and farmer companies to modernize processing and cold chain facilities.
Concessional term loans with 3% interest subvention for establishing modern fishing harbours, fish landing centres, and aquaculture infrastructure.
Comprehensive livelihood development combining intensive training, raw material aggregation, and credit linkages for SHG clusters.
Grant-funded skill upgrading and bank credit linkage for mature Self-Help Group (SHG) members establishing micro-enterprises.
Concessional term loans, working capital lines, and business incubation grants to strengthen Farmer Producer Organizations (FPOs).
Low-cost institutional project lending to State Governments, Panchayats, and rural utilities for irrigation, rural roads, water supply, and agri-infrastructure.
Comprehensive grant and credit package establishing one-acre orchard (Wadi) farms, soil conservation, and micro-lending for indigenous tribal families.
Grant-cum-loan assistance for soil and water conservation, climate-smart farming, and micro-credit linkages in rainfed watershed communities.
Ministry of Social Justice apex corporation providing concessional term loans up to ₹15 Lakh at 4% to 7% interest for OBC micro-entrepreneurs.
Concessional term loans up to ₹15 Lakh at 6% to 8% interest per annum covering up to 85% of project cost for OBC entrepreneurs setting up viable businesses.
Concessional loans up to ₹30 Lakh at 6% to 8% interest per annum for OBC youth establishing solar polyhouses, e-rickshaws, and waste recycling micro-enterprises.
Concessional loans up to ₹3 Lakh at 4% to 5% interest per annum for small OBC farmers undertaking organic farming, polyhouses, and agro-allied activities.
Exclusive micro-credit up to ₹1,25,000 at 4% interest per annum for women belonging to backward classes through women self-help groups.
Collateral-free micro-finance credit up to ₹1,25,000 at 5% interest per annum for indigent OBC beneficiaries through Self Help Groups.
Exclusive concessional term loan up to ₹2,00,000 at 5% interest per annum for women entrepreneurs belonging to Other Backward Classes.
Concessional education loans up to ₹15 Lakh for studies in India and up to ₹20 Lakh abroad at 4% interest per annum (3.5% for OBC female students).
Concessional credit up to ₹10 Lakh at 6% interest per annum for traditional OBC artisans and craftspersons to purchase tools, raw materials, and set up workshops.
100% government-sponsored NSQF vocational skill training with ₹1,500 monthly stipend and placement linkages for unemployed OBC youth.
Bulk revolving micro-credit line up to ₹25 Lakh for registered OBC women Self Help Groups at 4% to 5% interest per annum to eliminate moneylender dependency.
Default guarantee coverage of up to 75% for collateral-free inland education loans up to ₹7.5 Lakh under the IBA Model Education Loan Scheme.
Default credit guarantee cover up to 75% for collateral-free MUDRA loans (Shishu, Kishore, and Tarun) up to ₹20 Lakh sanctioned by commercial banks and MFIs.
Default guarantee coverage up to 75% for collateral-free skill loans up to ₹1.5 Lakh for youth undergoing NSQF-aligned vocational certification courses.
Institutional credit guarantee coverage up to 80% for collateral-free bank loans between ₹10 Lakh and ₹1 Crore extended to SC, ST, and Women entrepreneurs.
90% credit guarantee cover for subordinate debt up to ₹75 Lakh to assist promoters of stressed and NPA MSME units in infusing fresh equity.
100% sovereign credit guarantee on collateral-free emergency liquidity lines up to 30% of outstanding credit for MSMEs and business enterprises.
Concessional loans up to ₹5 Lakh at 5% interest per annum for persons with disabilities to purchase customized retrofitted vehicles, braille laptops, and motorized prosthetics.
Concessional loans up to ₹50 Lakh at 5% to 8% interest per annum for persons with disabilities (40%+ disability) to start commercial enterprises.
Concessional education loans up to ₹20 Lakh in India and ₹40 Lakh abroad at 4% interest per annum (3.5% for female students) for students with disabilities.
Collateral-free micro-credit up to ₹60,000 per member at 5% interest per annum for persons with disabilities organized into Self Help Groups.
Exclusive micro-credit up to ₹1,00,000 at 4% interest per annum for women with disabilities or mothers of children with mental disabilities.
Concessional loans up to ₹4 Lakh at 4% interest per annum for persons with disabilities pursuing NSQF skill courses and vocational trade diplomas.
Concessional term loans up to ₹20 Lakh at 6% interest for commercially viable micro and small enterprises founded by notified minority entrepreneurs.
Concessional term loans up to ₹30 Lakh at 8% interest (6% for women) for minority entrepreneurs with family income up to ₹8 Lakh per annum.
Concessional loans up to ₹15 Lakh at 6% to 8% interest for setting up bakeries, spice grinding mills, fruit pulping, oil expellers, and meat processing units.
Subsidized loans up to ₹5 Lakh at 4% to 6% interest for minority weavers to upgrade handlooms to motorized drop-boxes, electronic jacquards, and yarn stock.
Concessional term loans up to ₹10 Lakh at 6% interest for setting up and modernizing leather goods, shoe-making, and saddlery manufacturing units.
Group micro-credit up to ₹1 Lakh per member (up to ₹20 Lakh per SHG) at 7% interest through partner NGOs and State Channelizing Agencies.
Group micro-credit up to ₹1.5 Lakh per member (up to ₹30 Lakh per SHG) at 10% interest for minority SHG members with family income up to ₹8 Lakh.
Low-interest working capital and setup loans up to ₹5 Lakh at 6% interest for grocery shops, clothing retail, hardware, and mobile repair stores.
Concessional loans up to ₹15 Lakh at 6% to 8% interest for purchasing auto-rickshaws, commercial taxis, e-rickshaws, and mini-trucks.
Concessional artisan credit up to ₹10 Lakh at a subsidized 5% interest rate (4% for female craftswomen) to preserve and modernize traditional craft heritage.
Concessional artisan business loans up to ₹10 Lakh at 6% interest (5% for women craftspersons) for master craftspersons with family income up to ₹8 Lakh.
Concessional loans up to ₹10 Lakh at 5% to 6% interest for master wood carvers, brassware artisans, and metal embosers to install CNC routers and dust collectors.
Concessional education loans up to ₹20 Lakh for studies in India and ₹30 Lakh for abroad at 4% interest per annum (3.5% for SC girl students).
Concessional loans up to ₹30 Lakh at 6% to 8% interest per annum for SC entrepreneurs setting up eco-friendly enterprises like e-rickshaws, solar units, and polyhouses.
Fast-track business loans up to ₹5 Lakh at 6% interest per annum for SC entrepreneurs setting up micro manufacturing, retail, or service units.
Concessional loans up to ₹1,40,000 at 5% interest per annum for Scheduled Caste women engaged in agriculture, dairy, horticulture, and animal husbandry.
Exclusive micro-credit scheme for Scheduled Caste women providing loans up to ₹1,40,000 at an ultra-low interest rate of 4% per annum.
Collateral-free micro-credit up to ₹1,40,000 at 5% interest per annum for indigent Scheduled Caste individuals routed through Self Help Groups.
Financial assistance up to ₹15 Lakh at 4% to 6% interest for establishing sanitary product production and retail marts in rural and peri-urban areas.
Free NSQF-aligned job-oriented skill training with 100% course sponsorship and ₹1,500 monthly stipend for unemployed Scheduled Caste youth.
Concessional finance up to ₹50 Lakh at 4% to 6% interest for sanitation workers and manual scavengers to acquire mechanized sewer and septic tank cleaning machines.
Term loans up to ₹50 Lakh at 6% interest per annum covering up to 90% of project cost for SC entrepreneurs setting up income-generating enterprises.
Ministry of Social Justice apex corporation providing concessional loans up to ₹50 Lakh at 4% to 8% interest for SC entrepreneurs.
Loans up to ₹4 Lakh at 4% interest per annum for SC students pursuing specialized technical diploma and NSQF vocational certification courses.
Ministry of Social Justice apex finance corporation providing concessional credit up to ₹15 Lakh for alternate livelihood projects.
Concessional education loans up to ₹10 Lakh in India and ₹20 Lakh abroad at 4% interest per annum (3.5% for girl students) for children of sanitation workers.
Concessional loans up to ₹15 Lakh at 6% interest per annum covering up to 90% of project cost for Safai Karamcharis, manual scavengers, and their dependents.
Concessional loans up to ₹30 Lakh at 4% to 6% interest per annum for sanitation workers to purchase e-rickshaws, battery carts, and solar installations.
Concessional term loans up to ₹2,00,000 at 4% interest per annum for women Safai Karamcharis and their dependent daughters to start self-employment ventures.
Micro-credit up to ₹1,00,000 at 4% interest per annum for women Safai Karamcharis through Self Help Groups to eradicate unorganized moneylender debt.
Loan assistance up to ₹15 Lakh at 4% to 6% interest for sanitation workers and manual scavengers to establish sanitary marts and hygiene product manufacturing units.
Concessional loans up to ₹50 Lakh with capital subsidy up to ₹5 Lakh for sanitation workers to purchase modern mechanized vacuum suction and jetting cleaning trucks.
Ministry of Tribal Affairs apex corporation providing concessional loans up to ₹50 Lakh at 4% to 8% interest for tribal entrepreneurs.
25% upfront capital subsidy up to ₹25 Lakh for SC/ST enterprises buying modern plant and machinery verified from official government notifications.
Government-backed 5-year fixed income certificate offering 7.7% compound interest, Section 80C tax rebates, and loan collateral usability.
Collateral-free working capital loan of ₹10,000 with 7% interest subsidy for urban street vendors implemented across all states and union territories.
Enhanced collateral-free loan of ₹20,000 with 7% interest subsidy for vendors repaying first loan implemented across all states and union territories.
Enhanced collateral-free loan of ₹20,000 with 18-month tenure for street vendors who successfully repay their 1st tranche loan on time.
Maximum working capital and expansion loan of ₹50,000 with 36-month tenure for street vendors with proven repayment discipline across previous tranches.
Substantial business expansion loan up to ₹50,000 with 7% interest subsidy for disciplined vendors verified from official government notifications.
Direct benefit transfer of 7% per annum interest subsidy credited quarterly to bank accounts of street vendors repaying loans on schedule.
Customized revolving credit card with interest-free credit cycle and digital repayment rewards for street vendors graduating from PM SVANidhi loans.
Direct monthly cashback incentive of up to ₹100 per month (₹1,200 annually) for street vendors accepting customer payments digitally via UPI QR codes.
Universal safety-net convergence program providing street vendor families direct enrollment into 8 flagship central welfare schemes.
Central scheme facilitating collateral-free education loans up to ₹7.5 Lakh with government credit guarantee and full interest subsidy during moratorium for higher education.
15 days or more specialized advanced craftsmanship and business incubation training with ₹500/day daily stipend for ambitious artisans.
5 to 7 days foundational skill training with modern tool orientation and ₹500 per day direct wage compensation stipend credited via DBT.
First tranche collateral-free enterprise loan of ₹1 Lakh at a concessional 5% interest rate (with 8% central interest subvention) for certified traditional artisans.
Second tranche collateral-free expansion loan of ₹2 Lakh at 5% interest for artisans who have successfully repaid their first tranche loan.
Collateral-free enterprise loan up to ₹1,00,000 at highly concessional 5% interest rate with 18-month tenure for certified traditional artisans.
Second-stage enterprise growth loan up to ₹2,00,000 at 5% interest rate with 30-month tenure for artisans maintaining disciplined repayment on Tranche 1.
Direct monthly cashback of ₹1 per digital transaction up to 100 transactions per month (₹100/month) credited directly to traditional artisans accepting UPI.
Direct financial grant of ₹15,000 provided as an e-voucher / digital transfer to verified traditional artisans and craftspersons for purchasing modern toolkits.
Upfront 6.5% interest subsidy (up to ₹2.67 Lakh) on home loans up to ₹6 Lakh for 20 years transferred via DBT to verified beneficiary accounts.
Targeted credit-linked subsidy up to 35% on coir processing, spinning, and value-added handicraft micro-units implemented with Coir Board convergence.
Subsidized loan up to ₹1 Crore with 15-20% government capital subsidy for expanding existing successful PMEGP units available across districts in All India.
Expansion subsidy scheme offering 15% capital subsidy (20% for NER/Hills) on bank loans up to ₹1 Crore for well-performing existing PMEGP manufacturing units.
Expansion subsidy scheme providing 15% capital subsidy on bank credit up to ₹25 Lakh for existing successful PMEGP service sector businesses.
Urban and semi-urban manufacturing enterprise capital subsidy up to 25% for general and 35% for special categories on projects up to ₹50 Lakh via DIC.
Urban and semi-urban service sector enterprise subsidy up to 35% on project costs up to ₹20 Lakh sponsored through District Industries Centres.
Credit-linked capital subsidy up to 35% for new manufacturing enterprises with project cost up to ₹50 Lakh implemented via Khadi and Village Industries Commission.
Credit-linked capital subsidy up to 35% on service and commercial enterprise projects up to ₹20 Lakh administered through KVIC.
Rural industrialization scheme implemented via State Khadi and Village Industries Boards (KVIB) offering up to 35% subsidy on ₹50 Lakh manufacturing projects.
Capital subsidy up to 35% on rural repair, logistics, tourism, and custom hiring service ventures up to ₹20 Lakh through State KVIBs.
Direct 2% per annum interest subvention on Shishu loans up to ₹50,000 for all standard, performing micro-borrowers paying EMIs on time.
Comprehensive yield-loss insurance for food crops and oilseeds at heavily subsidized premium rates (1.5% to 2% paid by farmers, remainder borne by Government).
National financial inclusion mission ensuring universal access to banking facilities with zero-balance savings accounts, RuPay debit cards, and credit facilities.
Free built-in accidental death and permanent disability insurance cover of ₹2 Lakh on RuPay Debit Cards issued with Jan Dhan accounts.
Hassle-free overdraft credit facility up to ₹10,000 without collateral or paper documentation for satisfactorily operated basic PMJDY bank accounts.
Hassle-free micro overdraft facility up to ₹10,000 (up to ₹2,000 without conditions) on satisfactorily operated Jan Dhan basic savings bank accounts.
Affordable government-backed one-year renewable life insurance scheme offering ₹2 lakh life risk cover on death due to any cause.
Affordable one-year renewable life insurance coverage of ₹2 Lakh for any cause of death at an annual premium of ₹436 debited directly from bank accounts.
Working capital and term loan facility from ₹50,001 to ₹5 Lakh for existing micro-enterprises looking to scale operations and purchase equipment.
Collateral-free institutional micro-credit up to ₹50,000 for nascent entrepreneurs, petty shopkeepers, and micro-enterprises at regulated interest rates.
Enhanced credit category under Union Budget 2024 providing credit from ₹10 Lakh up to ₹20 Lakh for entrepreneurs who have successfully repaid previous Tarun loans.
Growth and expansion loans between ₹5,00,001 and ₹10 Lakh for established small businesses upgrading machinery and modernizing operations.
Institutional micro-finance scheme providing collateral-free business loans up to ₹20 lakh across Shishu, Kishore, and Tarun categories.
Government pays full 12% employer contribution towards EPF and EPS for 3 years for new hires transferred via DBT to verified beneficiary accounts.
Highly subsidized accidental death and disability insurance offering ₹2 lakh cover for just ₹20 per year supporting citizen beneficiaries nationwide.
Universal accidental death and full disability insurance of ₹2 Lakh (₹1 Lakh for partial disability) at a nominal premium of ₹20 per year.
Central incentive scheme providing 4% to 7% incremental sales incentives to boost domestic manufacturing of telecom equipment, routers, switches, and 5G network components.
Sovereign long-term savings instrument with EEE tax status, offering 7.1% compound interest, 15-year tenure, and loan/withdrawal facilities.
Ultra-concessional bank loans up to ₹15,000 at a fixed 4% per annum interest rate for the poorest of the poor with annual family income below ₹24,000.
Ultra-concessional bank credit up to ₹15,000 for productive equipment and ₹20,000 for housing at 4% simple interest per annum for indigent individuals.
Interest equalization subvention of 2% to 3% on pre-shipment and post-shipment export credit for MSME merchant and manufacturer exporters.
Statutory central banking mandate obligating all commercial banks to dedicate 12% of total credit to vulnerable and weaker sections at priority rates.
Statutory priority sector classification for bank education loans up to ₹20 Lakh covering vocational and higher professional degree courses.
Priority sector term loans up to ₹30 Crore for commercial solar installations and up to ₹10 Lakh per individual household for rooftop solar setups.
Statutory central banking mandate earmarking 10% of total commercial bank lending exclusively for Small and Marginal Farmers (cultivating up to 2 hectares).
Priority sector loans up to ₹5 Crore per borrower for setting up schools, drinking water facilities, sanitation, and health care infrastructure in Tier-2 to Tier-6 centres.
Statutory central banking mandate requiring 7.5% of total bank credit to be lent to Micro Enterprises, with mandatory collateral waivers up to ₹10 Lakh.
Priority home loans up to ₹35 Lakh in metropolitan centres and ₹25 Lakh in other centres for purchasing or constructing affordable housing units.
Priority Sector Lending classification for educational loans up to ₹20 Lakh for pursuing inland higher and vocational studies without third-party collateral up to ₹7.5 Lakh.
RBI statutory priority lending requirement directing banks to dedicate 7.5% of Adjusted Net Bank Credit exclusively to micro manufacturing and service units.
Priority lending mandate providing commercial loans up to ₹30 Crore for solar/biomass power plants and up to ₹10 Lakh per individual household for solar rooftop installations.
Statutory RBI mandate requiring all commercial banks to allocate at least 10% of Adjusted Net Bank Credit specifically to small and marginal farmers.
Mandated bank lending facility up to ₹5 Crore per borrower for setting up schools, drinking water facilities, sanitation, and healthcare in Tier II to Tier VI centres.
RBI statutory framework mandating 12% bank credit allocation to weaker sections including SC/ST, women, small farmers, artisans, and PwD.
Concessional institutional micro-credit lines up to ₹1 Lakh per woman at low interest rates through Intermediary Microfinance Organizations (IMOs).
Parametric weather-indexed crop insurance safeguarding horticultural and sensitive food crops against rainfall deficits, temperature spikes, frost, and high humidity.
Restructuring and revival finance up to ₹3 Crore at concessional interest rates for viable MSMEs facing temporary working capital and liquidity constraints.
Low-cost project finance for state governments, industrial bodies, and SPVs to build common testing labs, effluent plants, and logistic parks for MSME clusters.
Soft loan assistance in the form of quasi-equity and term loans at competitive interest rates for MSMEs in 25 high-priority Make in India manufacturing sectors.
Direct financial assistance up to ₹1 Crore at benchmark interest rates for first-time entrepreneurs and engineering/technical graduates setting up greenfield micro-units.
Concessional term loans and working capital lines up to ₹1 Crore for first-time greenfield entrepreneurs setting up new manufacturing or service units.
Green term loan up to ₹1 Crore at concessional interest rates for MSMEs installing grid-connected rooftop solar photovoltaic power systems.
Fast-track 100% equipment and machinery financing up to ₹5 Crore at competitive interest rates with zero promoter mortgage for established MSMEs.
High-ticket machinery financing up to ₹5 Crore at competitive interest rates with fast-track processing for high-growth MSME manufacturing units.
100% financing up to ₹2 Crore with 4-day sanction turnaround and zero collateral for MSMEs investing in energy-saving industrial machinery.
Term loan assistance up to ₹10 Crore covering up to 80% of costs for purchasing industrial plots and ready-to-move factory sheds in approved industrial parks.
Short-term liquidity bridging loan up to ₹1 Crore sanctioned within 72 hours against confirmed purchase orders from PSUs, government departments, and large corporates.
Skill certification, shelter support, and micro-enterprise loans up to ₹2 Lakh with 30% capital subsidy for sustainable economic reintegration.
Composite micro-enterprise loan package up to ₹5 Lakh with 25% capital subsidy at concessional interest rates for transgender entrepreneurs.
Central defence portal offering imported components, sub-assemblies, and weapons systems to Indian MSMEs and private industry for domestic indigenisation.
Legal record of rights (Property Card) for rural homeowners enabling institutional bank loans and mortgage under official nodal ministry guidelines.
Central IPR scheme providing free professional legal facilitation and 80% statutory fee rebates on patent, design, and trademark filings for Indian startups.
One-time cash assistance of ₹40,000, skill stipend of ₹3,000/month, and capital subsidy up to ₹5 Lakh for liberated manual scavengers.
Equity funding of up to ₹50 Crore through daughter venture funds to help growing MSMEs scale operations and list on stock exchanges.
Sovereign retirement savings instrument for individuals aged 60+, providing guaranteed 8.2% quarterly interest income and Section 80C tax deductions.
Government of India gold-backed financial security paying 2.50% annual interest with sovereign guarantee and capital gains tax exemption.
Framework enabling convergence of Central and State margin money subsidies to reduce borrower equity contribution to 10% on Stand-Up India loans.
Composite bank loans from ₹10 Lakh to ₹1 Crore for Scheduled Caste entrepreneurs establishing greenfield manufacturing, service, or agri-allied ventures.
Bank credit from ₹10 Lakh to ₹1 Crore for Scheduled Tribe entrepreneurs setting up greenfield ventures in manufacturing, trading, eco-tourism, or agri-allied sectors.
Composite bank loans from ₹10 Lakh to ₹1 Crore per bank branch for women entrepreneurs setting up greenfield manufacturing, service, agri-allied, or trading enterprises.
Institutional mentoring, credit counselling, DPR preparation, and skill linkage platform operated by SIDBI for prospective SC, ST, and Women borrowers.
Central sector initiative providing financial assistance to early-stage DPIIT-recognized startups for proof of concept, prototype development, product trials, market entry, and commercialization through approved incubators across India.
Central support scheme providing technology upgradation subsidies, interest subvention, and common testing cluster grants to Indian pharma MSMEs.
High-interest sovereign small-savings scheme for the girl child offering tax-free returns and maturity proceeds under Beti Bachao Beti Padhao.
Online auctioning of invoices against corporate and PSU buyers to get immediate collateral-free cash for eligible citizen families across All India.
Department of Science and Technology statutory board providing long-term concessional loans at simple interest of 5% to commercialize indigenous laboratory innovations.
TDB direct equity subscription model investing into technology-driven start-ups and MSMEs alongside private institutional venture investors.
Ministry of Social Justice venture capital fund managed by IFCI providing equity and debt up to ₹15 crore for SC entrepreneurs.
Single-window unified digital portal for students to view, apply, and track education loans across 40+ banks available across districts in All India.
Post-harvest pledge finance up to 75% of commodity value against electronic warehouse receipts at concessional interest to prevent distress sales by farmers.