Central Government Schemes
Access a wide range of central government subsidy schemes designed to fuel business growth, support micro-enterprises, and promote innovation across all sectors.
AHIDF
Animal Husbandry Infrastructure Development Fund offers up to 90% bank loans with 3% interest subvention for dairy, meat, and animal feed processing infrastructure.
AIF Scheme
Agriculture Infrastructure Fund: medium to long-term credit with 3% interest subvention and CGTMSE cover for post-harvest and agri-infrastructure projects.
APC
Agro Processing Clusters scheme offers up to ₹10 crore grants-in-aid to set up common infrastructure and processing facilities in agricultural clusters.
CGSS
Credit Guarantee Scheme for Startups offers credit guarantees up to ₹20 crore for collateral-free loans extended to DPIIT-recognised startups.
CGTMSE
CGTMSE gives collateral-free credit guarantees of up to ₹10 crore per MSE borrower (raised from ₹5 crore on 1 April 2025). Coverage, fees and eligibility.
CLCS-TUS
CLCSS: the 15% capital subsidy (up to ₹15 lakh) closed to fresh claims on 31 March 2020. Legacy claim rules and the SCLCSS alternative for SC/ST units.
ECLGS
ECLGS 5.0 (May 2026) gives lenders 100% guarantee cover on additional working-capital term loans to MSMEs. Eligibility, limits and how sanctions work.
Innovation Scheme
Government-backed innovation scheme providing grants and financial assistance to support research, development, and commercialisation of innovative startup ideas.
MIDH
Mission for Integrated Development of Horticulture provides 35% to 50% credit-linked subsidies for cold chain, marketing, and horticulture crop development.
MSE-CDP
Micro and Small Enterprises Cluster Development Programme offers GoI grants up to 80% for common facilities and industrial infrastructure development.
NPDD
National Programme for Dairy Development offers financial assistance to cooperative dairy groups to build milk procurement, chilling, and testing facilities.
National Livestock Mission
Supports livestock breed development, fodder planning, and feed infrastructure by offering capital subsidies up to 50% for poultry, sheep, and piggery.
PLI Specialty Steel
Production Linked Incentive Scheme pays 4%-15% on incremental sales-verified production across 22 specialty steel sub-categories, capped annually.
PMEGP
Prime Minister's Employment Generation Programme provides financial support for manufacturing and service units to set up new micro-enterprises.
PMFME
Pradhan Mantri Formalisation of Micro Food Processing Enterprises gives micro food units a 35% credit-linked capital subsidy up to ₹10 lakh.
PMKSY
Pradhan Mantri Krishi Sinchayee Yojana is an umbrella irrigation programme linking water sources, distribution network, and efficient farm application.
RAMP
Raising and Accelerating MSME Performance programme funds institutional strengthening, receivables financing, and state strategic investment plans for MSMEs.
SISFS
Startup India Seed Fund Scheme — up to ₹20 lakh grant and ₹50 lakh convertible debt through incubators.
MCGS-MSME
Mutual Credit Guarantee Scheme: 60% NCGTC guarantee on collateral-free term loans up to ₹100 crore for plant, machinery and equipment.
Pharma MSME Capital Subsidy
RPTUAS: 10–20% capital subsidy for MSME pharma units on machinery, HVAC, clean rooms and QC labs bought since 1 Jan 2024 to meet Revised Schedule M / WHO-GMP.
PLI Scheme
Production Linked Incentive: 3–20% on incremental sales across 14 sectors, with the textile and electronics-components windows explained.
PM Kisan SAMPADA Yojana
MoFPI umbrella scheme: 35% / 50% grant up to ₹5 crore for food processing units, up to ₹10 crore for cold chains, plus clusters and food testing labs.
PM Mudra Yojana
Collateral-free Shishu, Kishore, Tarun and Tarun Plus loans up to ₹20 lakh for micro enterprises, and how to apply on the Jan Samarth portal.
SCLCSS
Special Credit Linked Capital Subsidy: 25% subsidy up to ₹25 lakh on bank-financed machinery and business vehicles for SC/ST-owned MSEs.
Warehouse Subsidy (AMI)
Rural godown subsidy — Gramin Bhandaran Yojana, now AMI under ISAM: 25% (33.33% for SC/ST, women, FPOs, NE and hilly areas) on 50–5,000 MT warehouses outside municipal limits, credit-linked through NABARD.
ELI / PM Viksit Bharat Rozgar Yojana
One month's wage up to ₹15,000 for a first-time EPFO employee, and ₹1,000–₹3,000 a month to the employer for each additional hire. For jobs created between August 2025 and July 2027.
PM Vishwakarma
For artisans in 18 traditional trades: recognition certificate, skill training with ₹500/day stipend, ₹15,000 toolkit voucher, and collateral-free loans of ₹1 lakh + ₹2 lakh at 5% interest — plus digital and marketing support.
CEFPPC (Food Processing)
PM Kisan SAMPADA unit grant: 35% of plant, machinery and technical civil works (50% in difficult areas and for SC/ST, FPO and SHG applicants), up to ₹5 crore, for new or expanding food processing units — EOI-based.
Integrated Cold Chain
PMKSY grant of 35% (50% in NE, Himalayan, ITDP and island areas) up to ₹10 crore for pre-cooling, pack-houses, cold storage, reefer transport, IQF and value-addition infrastructure.
Food Testing Labs (MoFPI)
50% grant on lab equipment (70% in difficult areas and for SC/ST and FPO applicants), technical civil works, NABL fee and LIMS, up to ₹5 crore for new private food testing laboratories.
PLI Textiles
15%→11% (₹300 crore investment) or 11%→7% (₹100 crore) incentive on incremental turnover of MMF apparel, MMF fabrics and technical textiles, with a 25% growth condition — ₹10,683 crore outlay.
ECMS (Electronics Components)
₹22,919 crore scheme for passive components, sub-assemblies, bare components and capital equipment: turnover-linked, 25% capex and hybrid incentives with mandatory employment.
Stand-Up India
Composite loans of ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs starting a greenfield enterprise — up to 85% finance, no collateral (CGFSI), one SC/ST and one woman borrower per bank branch.
Central scheme videos from the BookMyCA channel
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