Rajasthan Trade Promotion Policy 2025

Rajasthan hosts 1.05 million retail stores — about 8% of India's retail store count — and the state's trade sector needed an inclusive policy to give small and large traders a level playing field on credit access, market access, and ease of doing business. The policy's stated drivers:

• •Promote investment in the state's trade sector.
• •Create employment opportunities (retail + wholesale trade already employs ~53 million people nationally, per PLFS 2022–23 — ~43 million in retail, ~10 million in wholesale).
• •Enable inclusive development of the trade sector, including micro trading enterprises.
• •Improve small traders' access to market and credit.
• •Create demand and support industries manufacturing "Made in India" goods.
• •Grow MSMEs within retail and wholesale trade — a segment only recently (by Ministry of MSME office memorandum) made eligible for Udyam registration and Priority Sector Lending.

Applicability

Applies to all Trade Units and Enterprises in Rajasthan — including retailers within shopping malls, marts, restaurants, cinema halls, and multiplexes — covering Street Vendors, Departmental Stores, Supermarkets, Single Brand Stores, and Multi Brand Stores across the value chain, except sectors on the negative list.

Trader / MSME classification (for scheme-specific benefits)

Enterprises exceeding all three slabs are classified as Large Enterprises. Most of the policy's financial incentives (credit guarantee fee, interest subvention, insurance, digital enablement) are targeted specifically at micro trading enterprises — check each benefit's own eligibility below.

Negative list — not covered by this policy

• •Automobile dealers and wholesalers (2-wheeler, 4-wheeler, and other automobiles)
• •Fuel trading, including petroleum product distribution (petrol pumps)
• •Liquor trading
• •Trading of polythene carry bags under 20 microns thickness
• •Any sector/activity prohibited by the State or Central Government from time to time

A. Credit Guarantee (CGTMSE)

CGTMSE already provides 75% credit guarantee coverage (collateral-free, no third-party guarantee) on loans up to ₹10 crore via Member Lending Institutes. This policy adds: the State Government bears 50% of the CGTMSE guarantee fee for new micro trading enterprises, on loans up to ₹5 crore, for 5 years — reimbursed to the borrower after they pay the fee to the MLI.

B. Interest Subvention on Composite Loans (new micro enterprises, 5 years)

An additional 1% interest subsidy applies for micro trading enterprises owned by SC/ST/Women/Persons with Benchmark Disabilities (PwBD), on the ₹1–2 crore slab. The working capital component of the composite loan is capped at 80%. Subvention applies only to loans from RBI-recognised Financial Institutions / State Financial Institutions / Banks.

C. Insurance Coverage (micro retail traders, 5 years)

50% reimbursement of insurance premium, capped at ₹1 lakh/year, covering loss of stock and furniture/fixtures from fire, burglary, or natural calamity (floods, earthquakes).

D. Digital Enablement (micro traders, 1 year)

75% reimbursement of total fees/commissions charged by e-commerce platforms (excluding shipping fees), capped at ₹50,000/year, for one year — aimed at onboarding traders unfamiliar with e-commerce systems onto platforms.

E. Capacity Building

No direct cash benefit — delivered as Entrepreneurship Development Programmes (via Rajasthan Vyapari Kalyan Board, RSLDC) covering business acumen, financial literacy, digital adoption, and compliance; plus State-run workshops/seminars on e-commerce onboarding, backed by planned MoUs with Amazon, Flipkart, and ONDC.

F. Ease of Doing Business

No direct cash benefit — the Department of Industries & Commerce will work with the Department of Labour to ease provisions of the Rajasthan Shops and Commercial Establishments Act, 1958 for traders.

The policy does not yet specify an application document list. It states explicitly that "modalities for execution of the initiatives… (detailed scheme guidelines, formats for application of projects etc.) shall be released by Department of Industries & Commerce, Government of Rajasthan in due time." Nothing below should be treated as confirmed until that separate notification is issued — this is a reasonable-expectation list based on what each benefit requires to verify, not a published checklist.

Once released, the guidelines will presumably route through the Department of Industries & Commerce or District Industries Centres — the same portal infrastructure used for RIPS 2024 filings.

State Level Empowered Committee (SLEC)

Constituted to monitor implementation and develop procedures/modalities as needed; also formulates and recommends trade-sector promotion strategies.

Implementation & interpretation authority

• •The scheme is implemented by the Office of the Commissioner, Industries & Commerce; the Industries & Commerce Department is the Administrative Department.
• •Any question of interpretation, updation, or amendment of a policy clause goes to the Department of Industries & Commerce — its decision is final.
• •The Department is empowered to launch new initiatives under this policy.
• •Detailed scheme guidelines and application formats will be separately notified by the Department in due course.