Category: MSME Loan Schemes

                     

MSME Loan Schemes
Available In Odisha

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Odisha, a state renowned for its varied industrial landscape and spirit of entrepreneurship, provides a number of loan schemes and financial assistance programs to help MSMEs in the state expand and thrive. These programs are designed to support economic sustainability, encourage innovation, and meet the financial needs of small enterprises. Here are some significant credit programs that are offered to MSMEs in Odisha: 

Gramodyog Rozgar Yojana (GRY)

GRY is a credit scheme designed to encourage rural entrepreneurship in Odisha. The Khadi and Village Industries Commission (KVIC) implements the initiative through its state and district offices. The recipients of this initiative will receive financial help in the form of loans and grants with competitive interest rates and flexible repayment terms. The scheme also offers beneficiaries training and skill development programs to help them start and run profitable enterprises. Here are some of its main highlights:

1. Loan amount: ₹10,000 to ₹25 lakhs.
2. Interest rates: 4% for general beneficiaries, 2% for SC/ST, women, and differently-abled recipients.
3. Rural/Urban: Only available in rural areas.
4. Loan tenure: 7 years.
5. Gender: Male / Female

Mukhyamantri Krushi Udyog Yojana Odisha

The Mukhyamantri Krushi Udyog Yojana Odisha is an MSME loan plan designed to help small and marginal farmers, entrepreneurs, and unemployed youth in the state of Odisha. The initiative offers loans for the purchase of land, equipment, and tools. The initiative also includes training for farmers and entrepreneurs to help them enhance their skills and knowledge. Here are some of its main highlights:

• Loan amount ranges from ₹10 lakh to ₹25 crore.
• Interest rates range from 4% to 9% annually.
• Rural/UrbanAvailable to both rural and urban residents.
• Loan tenure: 7 years.
• The margin money subsidy covers 25% of the project cost for SC/ST, women, and differently-abled beneficiaries.

 

PM Vishwakarma Scheme

Prime Minister Narendra Modi introduced this plan on September 17, 2023, on the occasion of Vishwakarma Jayanti. It offers technical training and financial help to traditional artists and craftspeople around the country. This initiative also offers an 8% interest subvention on the borrowing amount. Here are some of the significant highlights:

1. Loan amount: Up to ₹3 lakh.
2. Interest Rates: 5%.
3. Rural/Urban: Available to both rural and urban residents.
4. Loan tenure: 18-30 months.
5. Gender: Both Male and Female

Credit Linked Capital Subsidy Scheme (CLCSS)

In October 2000, the Government of India established the Credit Linked Capital Subsidy Scheme. This plan offers MSMEs with the necessary financing to upgrade their present technologies. Businesses can utilize this initiative to improve their existing plant and machinery and increase profits. This policy has no upper loan limit, however the subsidy is based solely on the loan amount sanctioned for P&M purchases. It has the following primary features:

1. Loan amount: no upper limit.
2. Subsidy: 15% of loan amount.
3. Annual guarantee fee: 0.75-1.0%.
4. Loan tenure: Flexible tenure based on the repayment capacity

Pradhan Mantri MUDRA Yojana (PMMY)

The Pradhan Mantri Mudra Yojana (PMMY) is a major central government plan that debuted in 2015. It makes microloans to non-corporate, non-farm micro, and small businesses in both rural and urban locations.

PMMY provides loans in three categories, based on the stage of business growth and finance requirements:

1. Shishu Mudra: Up to Rs. 50,000
2. Kishore Mudra: Rs. 50,001 to Rs. 5 lakh
3. Tarun Mudra: Rs. 5 lakh to Rs. 10 lakh

MUDRA loans are available through a variety of financial institutions, including public and private sector banks, regional rural banks, small finance banks, microfinance institutions, and non-banking financial companies (NBFCs).

Unlike other loan schemes, PMMY has no age, gender, duration, or interest rate requirements. All of these elements can vary depending on the loan category and the lending institution’s policies.

Prime Minister’s Employment Generation Programme (PMEGP)

PMEGP is a credit-linked subsidy system operated by the Ministry of Micro, Small, and Medium Enterprises (MSME) that intends to provide job possibilities through the establishment of micro-enterprises. The primary beneficiaries of this initiative are women, traditional and potential craftspeople, and unemployed youngsters. Here are some of its primary features:

1. Age: Minimum age of 18.
2. Interest rates: vary between 11% and 12% based on the bank.
3. Loan tenure: 3-7 years.
4. Education qualification: VIII standard pass.
5. Maximum loan amount: Rs. 1 Crore.
6. Subsidy: 15% to 35%.

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

The CGTMSE is a cooperative project initiated in 2000 by the Ministry of Micro, Small and Medium Enterprises (MSME), the Government of India, and the Small Industries Development Bank of India (SIDBI). It promotes financial institutions to offer collateral-free credit solutions to micro and small businesses. In the event of a default, the bank might submit a claim with CGTMSE. Here are some of its primary features:

1. Loan amount: Up to 5 crore.
2. Collateral is not required.
3. Loan tenure: 5-10 years.
4. Annual Guarantee Fee: 0.37%-1.35%.
5. Age: Minimum age is 18.

Stand-up India

Stand-up India is a central government project that began in 2016. It offers bank loans to women and Scheduled Castes (SCs) and Scheduled Tribes (STs) to start their own businesses. Existing firms are ineligible for loans under this scheme because they are intended for new businesses only. These loans are supplied by a variety of banks, including scheduled commercial banks, regional rural banks (RRBs), and small financing banks.

This initiative offers loans ranging from Rs 10 lakhs to Rs 1 crore. Interest rates and tenure vary depending on the type of the firm, as well as other considerations such as the lender’s credit policies.

SIDBI Make-in-India Soft Loan Fund for Micro, Small, and Medium Enterprises (SMILE)

The national government established SMILE, a project to provide financial help to 25 identified sectors as part of the ‘Make in India’ strategy. This project encourages the ‘Make in India’ concept among entrepreneurs. SMILE provides ample finance for both the establishment of new firms and the expansion of existing ones. Here are some of its primary features:

1. Maximum loan tenure: 10 years.
2. Loan amount: ranges from Rs.10 lakh to Rs.25 lakhs.
3. Interest rates: vary based on corporate requirements.
4. Nature of the loan: Term and quasi-equity loans

These are some of the financing packages offered to MSMEs in Odisha. Each program has its own eligibility criteria, and MSMEs can select the one that best meets their needs. MSMEs can meet their financial demands while also contributing to economic progress by taking advantage of these incentives.

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MSME Loan Schemes
Available In Punjab

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Punjab offers a variety of loan schemes and financial assistance programs to encourage the growth and development of MSMEs in the state. The province is well-known for its rich cultural legacy and strong industrial sector. These programs are designed to help small businesses get the finance they need, encourage entrepreneurship, and boost the economy. The following are some important lending programs Punjab offers MSMEs:

Punjab National Bank (PNB) MSME Loan Scheme

PNB provides financial assistance to MSMEs for a variety of purposes, including the purchase of machinery, working capital, infrastructure development, and technology upgrades. These programs span a wide range of corporate operations, from start-up to expansion and modernization. Here are some of the significant highlights:

• Loan amount: Up to 5 crore.
• Repayment periods:  Vary based on loan amount and kind. Typically varies from 3 to 7 years.
• Interest rates: Range from 8.50% to 13.5%.
• Age: Minimum of 18 years.
• Gender: Male/Female

Punjab State Cooperative Bank (PSCB) MSME Loan Scheme

The PSCB provides financial support to MSMEs for a variety of purposes, including working capital, machinery purchases, and infrastructure development. Like PNB, Punjab State Cooperative Bank (PSCB) offers initiatives that cover all elements of business operations, from start-up to expansion and modernization. Here are some of the significant highlights:

• Loan amount: Up to 5 crore.
• Repayment periods: vary based on loan amount and kind. Generally, up to seven years.
• Interest Rates: 7% – 12%.
• Age: Minimum of 18 years.
• Gender: Male / Female.

Mahila Udyam Nidhi Scheme 

The Mahila Udyam Nidhi Scheme offers financial help to women entrepreneurs looking to start new businesses or grow current ones. The primary goal of the initiative is to support female entrepreneurs throughout the state. Please be aware that these schemes are now exclusively offered through Punjab National Bank. Here are some of its features:

• Loan amount: Up to Rs. 10 lakh.
• Loan interest rate: 5% annually.
• Loan tenure: 5-7 years.
• Educational Qualification: 10th standard.
• Age and Gender: Women aged 18–55 years

Punjab State Scheduled Caste Land Development and Finance Corporation (PSSCLDFC) MSME Loan Scheme

The Punjab State Scheduled Caste Land Development and Finance Corporation (PSSCLDFC) provides a variety of financing initiatives to help Scheduled Caste individuals in Punjab with various economic pursuits. It gives financial help to SC entrepreneurs starting new businesses or expanding existing ones. Here are some of the significant highlights:

• Loan amount: Up to Rs 30 lakh.
• Loan interest: 5%-8%.
• Loan tenure: 3-15 years
• Age range: 18-55 years
• Category: SC.

Credit Linked Capital Subsidy Scheme (CLCSS)

In October 2000, the Government of India established the Credit Linked Capital Subsidy Scheme. This plan offers MSMEs with the necessary financing to upgrade their present technologies. Businesses can utilize this initiative to improve their existing plant and machinery and increase profits. This policy has no upper loan limit, however the subsidy is based solely on the loan amount sanctioned for P&M purchases. It has the following primary features:

• Loan amount: no upper limit.
• Subsidy: 15% of loan amount.
• Annual guarantee fee: 0.75-1.0%.
• Loan tenure: Flexible tenure based on the repayment capacity

Pradhan Mantri MUDRA Yojana (PMMY)

The Pradhan Mantri Mudra Yojana (PMMY) is a major central government plan that debuted in 2015. It makes microloans to non-corporate, non-farm micro, and small businesses in both rural and urban locations.

PMMY provides loans in three categories, based on the stage of business growth and finance requirements:

• Shishu Mudra: Up to Rs 50,000.
• Kishore Mudra: Rs. 50,001-Rs. 5 lakh
• Tarun Mudra: Rs 5 lakh to Rs 10 lakh.

MUDRA loans are available through a variety of financial institutions, including public and private sector banks, regional rural banks, small finance banks, microfinance institutions, and non-banking financial companies (NBFCs).

Unlike other loan schemes, PMMY has no age, gender, duration, or interest rate requirements. All of these elements can vary depending on the loan category and the lending institution’s policies.

Prime Minister’s Employment Generation Programme (PMEGP)

PMEGP is a credit-linked subsidy system operated by the Ministry of Micro, Small, and Medium Enterprises (MSME) that intends to provide job possibilities through the establishment of micro-enterprises. The primary beneficiaries of this initiative are women, traditional and potential craftspeople, and unemployed youngsters. Here are some of its primary features:

• Age: Minimum age of 18.
• Interest rates: vary between 11% and 12% based on the bank.
• Loan tenure: 3-7 years.
• Education qualification: VIII standard pass.
• Maximum loan amount: Rs. 1 Crore.
• Subsidy: 15% to 35%.

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

The CGTMSE is a cooperative project initiated in 2000 by the Ministry of Micro, Small and Medium Enterprises (MSME), the Government of India, and the Small Industries Development Bank of India (SIDBI). It promotes financial institutions to offer collateral-free credit solutions to micro and small businesses. In the event of a default, the bank might submit a claim with CGTMSE. Here are some of its primary features:

• Loan amount: Up to 5 crore.
• Collateral is not required.
• Loan tenure: 5-10 years.
• Annual Guarantee Fee: 0.37%-1.35%.
• Age: Minimum age is 18.

Stand-up India

Stand-up India is a central government project that began in 2016. It offers bank loans to women and Scheduled Castes (SCs) and Scheduled Tribes (STs) to start their own businesses. Existing firms are ineligible for loans under this scheme because they are intended for new businesses only. These loans are supplied by a variety of banks, including scheduled commercial banks, regional rural banks (RRBs), and small financing banks.

This initiative offers loans ranging from Rs 10 lakhs to Rs 1 crore. Interest rates and tenure vary depending on the type of the firm, as well as other considerations such as the lender’s credit policies.

SIDBI Make-in-India Soft Loan Fund for Micro, Small, and Medium Enterprises (SMILE)

The national government established SMILE, a project to provide financial help to 25 identified sectors as part of the ‘Make in India’ strategy. This project encourages the ‘Make in India’ concept among entrepreneurs. SMILE provides ample finance for both the establishment of new firms and the expansion of existing ones. Here are some of its primary features:

• Maximum loan tenure: 10 years.
• Loan amount: ranges from Rs.10 lakh to Rs.25 lakhs.
• Interest rates: vary based on corporate requirements.
• Nature of the loan: Term and quasi-equity loans.

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MSME Loan Schemes
Available In Rajasthan

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Rajasthan’s economic development relies heavily on small and medium-sized enterprises (SMEs). The rise of the MSME sector has resulted in a huge increase in demand for financial support. To meet this need, numerous financial institutions and the government have developed a variety of lending plans for MSMEs. These lending schemes are intended to give financial assistance and encourage entrepreneurship. The following are some of the prominent financing packages offered for MSMEs in Rajasthan:

Rajasthan State Financial Corporation (RSFC) MSME Loan Scheme

The Rajasthan State Financial Corporation (RSFC) offers this initiative to help the state’s MSMEs expand. The initiative offers term loans, special loans, and working capital loans to MSMEs that operate in the manufacturing, service, and trading sectors. Here are some of its details:

Loan amount	Upto Rs. 5 crore
Interest Rates	9.75% to 11.50%
Loan Tenure	3-10 years
Gender	Both Male and Female
Residence	Indian citizen Residing in Rajasthan

SME Saral Loan Scheme

The Rajasthan state government offers this scheme. The SME Saral Loans Scheme provides both fund-based and non-fund-based financing. It provides loans for working capital, fixed assets required for corporate operations, capacity development, modernization, technological upgrades, and so on. Here are some of the significant highlights:

Loan amount	Minimum Rs. 10.00 lacs and maximum of Rs. 500.00 lacs.
Interest Rates	@8.40% onwards
Loan Tenure	Upto 84 Months
Gender	Both Male and Female
Residence	Indian citizen Residing in Rajasthan

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme:

The Rajasthan State Industrial Development and Investment Corporation (RIICO) offers this initiative to support the state’s industrial development. The program offers financial assistance to MSMEs for the establishment of new units, the growth of existing units, and the updating of technology. Here are some of the significant highlights:

Loan amount	Upto Rs. 50 crore
Interest Rates	8.5% to 11.5%
Loan Tenure	7-10 Years
Gender	Both Male and Female
Residence	Indian citizen Residing in Rajasthan

Credit Linked Capital Subsidy Scheme (CLCSS)

In October 2000, the Government of India established the Credit Linked Capital Subsidy Scheme. This plan offers MSMEs with the necessary financing to upgrade their present technologies. Businesses can utilize this initiative to improve their existing plant and machinery and increase profits. This policy has no upper loan limit, however the subsidy is based solely on the loan amount sanctioned for P&M purchases. It has the following primary features:

Loan amount	No upper limit
Subsidy	15% of the loan amount
Annual guarantee fee	0.75%-1.0%
Loan tenure	Flexible tenure depending upon the repayment capacity

Pradhan Mantri MUDRA Yojana (PMMY)

The Pradhan Mantri Mudra Yojana (PMMY) is a major central government plan that debuted in 2015. It makes microloans to non-corporate, non-farm micro, and small businesses in both rural and urban locations.

PMMY offers loans under three categories, depending on the stages of business growth and funding needs:

• Shishu Mudra: Up to Rs. 50,000
• Kishore Mudra: Rs. 50,001 to Rs. 5 lakh
• Tarun Mudra: Rs. 5 lakh to Rs. 10 lakh

MUDRA loans are available through a variety of financial institutions, including public and private sector banks, regional rural banks, small finance banks, microfinance institutions, and non-banking financial companies (NBFCs).

Unlike other loan schemes, PMMY has no age, gender, duration, or interest rate requirements. All of these elements can vary depending on the loan category and the lending institution’s policies.

Prime Minister’s Employment Generation Programme (PMEGP)

PMEGP is a credit-linked subsidy system operated by the Ministry of Micro, Small, and Medium Enterprises (MSME) that intends to provide job possibilities through the establishment of micro-enterprises. The primary beneficiaries of this initiative are women, traditional and potential craftspeople, and unemployed youngsters. Here are some of its primary features:

Age	Minimum age of 18
Interest rate	Between 11% -12% depending on the bank
Loan tenure	3-7 years
Education qualification	VIII standard pass
Maximum Loan amount	Rs. 1 Crore
Subsidy	15% to 35%

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE).

The CGTMSE is a cooperative project initiated in 2000 by the Ministry of Micro, Small and Medium Enterprises (MSME), the Government of India, and the Small Industries Development Bank of India (SIDBI). It promotes financial institutions to offer collateral-free credit solutions to micro and small businesses. In the event of a default, the bank might submit a claim with CGTMSE. Here are some of its primary features:

Loan amount	Up to 5 crore
Collateral	Not required
Loan tenure	5-10 years
Annual Guarantee fee	0.37%-1.35%
Age	Minimum age of 18

Stand-up India

Stand-up India is a central government project that began in 2016. It offers bank loans to women and Scheduled Castes (SCs) and Scheduled Tribes (STs) to start their own businesses. Existing firms are ineligible for loans under this scheme because they are intended for new businesses only. These loans are supplied by a variety of banks, including scheduled commercial banks, regional rural banks (RRBs), and small financing banks.

This initiative offers loans ranging from Rs 10 lakhs to Rs 1 crore. Interest rates and tenure vary depending on the type of the firm, as well as other considerations such as the lender’s credit policies.

SIDBI Make in India Soft Loan Fund for Micro, Small, and Medium Enterprises (SMILE)

The national government established SMILE, a project to provide financial help to 25 identified sectors as part of the ‘Make in India’ strategy. This project encourages the ‘Make in India’ concept among entrepreneurs. SMILE provides ample finance for both the establishment of new firms and the expansion of existing ones. Here are some of its primary features:

Loan tenure	Maximum 10 years
Loan amount	From Rs.10 lakhs to Rs.25 lakhs
Interest rates	Depending on enterprises’ requirement
Nature of loan	Quasi-equity and term loans

These are a few of the financing options offered to MSMEs in Rajasthan. Each program has its own eligibility criteria, and MSMEs can select the one that best meets their needs. MSMEs can meet their financial demands while also contributing to economic progress by taking advantage of these incentives.

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MSME Loan Scheme Available In
West Bengal

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West Bengal has several credit programmes to help Micro, Small, and Medium-Sized Businesses (MSMEs) expand. These programs support business owners financially to promote creativity, employment growth, and competitiveness.

 WBSFC Term Loan Scheme

• Purpose: For land, buildings, machinery, equipment, and working capital.
• Eligibility: New and existing enterprises.
• Loan Limit: Based on need.
• Repayment Period: Up to 3 years.
• Security: Liquid collateral securities of 25%.

 WBMDFC Loan Scheme

• Purpose: For minority community entrepreneurs.
• Eligibility: Existing enterprises.
• Loan Limit: Up to ₹5 lakh.
• Interest Rate: 6% per annum.
• Repayment Period: 3-5 years.
• Security: Collateral for loans above ₹50,000.

 WBCFDC Loan Scheme

• Purpose: For entrepreneurs from backward classes.
• Eligibility: New and existing enterprises.
• Loan Limit: Up to ₹15 lakh.
• Interest Rate: 6%-8% per annum.
• Repayment Period: Up to 8 years.

TANTUJA Credit Assistance Scheme

• Purpose: For handloom weavers.
• Eligibility: New and existing handloom weavers.
• Repayment Period: Flexible terms.
• Security: None specified.

SRTO Scheme

• Purpose: For new passenger commercial vehicles.
• Eligibility: Service sector MSMEs.
• Loan Limit: 75% of the project cost.
• Repayment Period: Based on terms.

Composite Loan Scheme

• Purpose: For acquiring fixed assets and working capital.
• Eligibility: Tiny sector enterprises.
• Loan Limit: Up to ₹1.5 lakh.
• Repayment Period: Up to 10 years.

SVSKP Scheme

• Purpose: To support unemployed individuals and groups.
• Eligibility: Economically weaker sections.
• Income Ceiling: ₹15,000/month for the family.
• Repayment Period: Flexible terms.

Conclusion

These initiatives promote economic growth and development in several areas by giving MSMEs in West Bengal critical financial support. Consult official state government resources for the most recent information and thorough application processes.

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Priority To MSME In Post-COVID

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According to the Department of MSME’s Annual Report, which was published in September 2019, India has 6.34 crore MSMEs.

The COVID pandemic has left an indelible mark on the economy. Global supply networks are disrupted, imports and exports are hampered, and unemployment is increasing. Micro, Small, and Medium Enterprises (MSME) have been severely impacted globally, including in India.

Thousands of stranded and unemployed migrant workers around the country demonstrate how MSMEs have been the worst sufferers of the COVID-19 pandemic. Even though the government has taken many initiatives to protect and prioritize MSMEs during this challenging period.

MSMEs: Backbone of the Indian economy

MSMEs play a significant part in India’s economy. This sector contributes a significant 30% of India’s GDP and employs an estimated 28% of the workforce. They contribute to the livelihoods of nearly 100 million people. According to estimates, the sector created between 13.5 million and 14.9 million new employment each year between 2015 and 2019, serving as India’s economic backbone.

The Indian government must prioritize MSMEs in their post-COVID survival and recovery efforts. However, in order to survive and thrive after the crisis, the government and businesses must work together. In the aftermath of COVID, the government has taken a number of steps to prioritize MSMEs. This activity includes:

i) Bailout packages

The government is already considering a bailout plan for the sector. According to sources, there is a proposal to guarantee Rs 3 trillion in loans to small firms. The Union Minister of MSMEs has also stated that a corpus of Rs 10,000 crore is on its way to purchase up to 15% equity in MSMEs with strong credit ratings.

MSMEs also need more extensive and intelligent approaches to assist smaller businesses.

ii) Make easy loans available

To assure the survival of medium and small-scale firms in the next months, it is critical to give the necessary liquidity to keep their basic operations functioning. As a result, it is essential to make accessible, low-interest loans available to the MSME sector right away. The loan amount provided to each organization must be sufficient to cover at least two to three months of operational costs.

 

Various steps were taken for the Revival and Prioritising   Indian MSMEs due   to the COVID-19   Pandemic :

The Prime Minister’s Employment Generation Program (PMEGP), the Scheme Fund for Regeneration of Traditional Industries (SFURTI), A Scheme for Promoting Innovation, Rural Industry, and Entrepreneurship (ASPIRE), the Interest Subvention Scheme for Incremental Credit to MSMEs, the Credit Guarantee Scheme for Micro and Small Enterprises, the Micro and Small Enterprises Cluster Development Programme (MSE-CDP), the Credit Linked Capital Subsidy, and the Technology Upgradation Scheme (CLCS-TUS) are just a few of the schemes and programs that are implemented by the Ministry of MSME for the growth and development of the MSME sector in the nation.

Under the Aatma Nirbhar Bharat Abhiyan, the government has recently launched a number of programs to give the MSME sector in the nation priority, particularly amid the COVID-19 epidemic. Among them are:

i) Subordinate Debt of Rs 20,000 Crore for MSMEs.

ii) Collateral Automatic Loans of Rs. 3 lakh crores for MSMEs and other businesses.

iii) The MSME Fund of Funds would infuse Rs. 50,000 crore in equity.

iv) Recently updated standards for MSMEs’ classification.

v) MSMEs can now register themselves through “Udyam Registration” in order to make doing business easier.

vi) No international bids for purchases up to Rs. 200 crores; this will benefit MSME

On June 1, 2020, the Prime Minister opened the “Champions” web portal. This addresses a wide range of e-governance topics, such as MSMEs’ handholding and grievance resolution. As of September 9, 2020, 18,723 grievances had been resolved through the portal. Additionally, the RBI has launched a number of initiatives to lessen MSMEs’ financial stress.

 

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MUDRA Loan
Scheme

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The Micro Units Development & Refinance Agency (MUDRA) Limited is an entity established by the Government of India to support micro unit development and refinance initiatives. The Honourable Finance Minister announced MUDRA in the 2016 Budget. MUDRA provides loans under three schemes: ‘Shishu’, ‘Kishor’, and ‘Tarun’, which indicate the stage of growth and finance needs of the beneficiary micro unit. This loan is available to Indian micro enterprises and entrepreneurs. The primary goal of the loan is to assist Micro and Small Enterprises in India, which constitute the backbone of the Indian economy. The project’s official name is Pradhan Mantri Mudra Yojana (PMMY). The Mudra loan provides support for a number of purposes that contribute to revenue production.

What is the purpose of the MUDRA?

One of the most significant barriers for SMEs in India is a lack of financial support from formal banking or financial institutions. Many times, a lack of institutional financing stifles the growth of small enterprises, rendering them ineffective in competing with larger players. MUDRA Bank, a subsidiary of SIDBI, was established to eliminate this bottleneck and provide financing to micro businesses and entrepreneurs. MUDRA will be in charge of refinancing all financiers or financial institutions that lend to micro or small businesses in manufacturing, trading, and services, as well as societies, trusts, section 8 companies, co-operative societies, small banks, scheduled commercial banks, and rural banks.

Loan Schemes

The loan is now available through three schemes within the Pradhan Mantri MUDRA Yojana. The three schemes are listed below:

Shishu: offers loans up to Rs.50,000, whereas Kishor offers loans ranging from Rs.50,000 to Rs.5 lakh.
Tarun: Loans over Rs.5 lakhs to Rs.10 lakhs

What are the MUDRA eligibility criteria?

Any Indian citizen with a business plan for a non-farm sector income-generating activity, such as manufacturing, processing, trading, or service, and a credit requirement of less than 10 lakh can apply for MUDRA loans under the Pradhan Mantri Mudra Yojana (PMMY) through a bank, MFI, or NBFC. To obtain a loan under MUDRA, the lender’s terms and conditions must be met. Lending rates follow RBI rules provided on a regular basis. MUDRA is a refinancing institution and does not make direct loans. Instead, existing NBFCs, Financial Institutions, Banks, Primary Lending Institutions, and so forth make loans through MUDRA.

MUDRA loans are intended for millions of proprietorship and partnership firms in rural and urban areas that operate small manufacturing or service sector units such as shopkeepers, fruit/vegetable vendors, truck operators, food-service units, repair shops, machine operators, small industries, artisans, food processors, and others.

What are the Documents Needed for MUDRA loans?

• MUDRA Loan Application
• Project Report
• Proof of Identity: like PAN / Drivers License / Aadhaar Card / Passport and more.
• Residence proof like recent telephone bill/electricity bill or property tax receipt and more.
• Applicant’s recent photograph which is less than 6 months old
• To purchase machinery or other items, provide a quotation.
• Name of supplier or details of machinery or prices of machinery
• Proof of identity/address of the business like tax registration, business license, and more.
• Proof of category like SC/ST/OBC/Minority, if applicable

It is worth noting that there is no processing charge or collateral required to get a MUDRA loan.

A business plan, often known as a project report, is an important document when requesting for a bank loan. The bank utilizes this document to assess the project’s overall feasibility, risks, financial viability, and potential. A well-written and convincing project report improves the likelihood of loan acceptance.

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MSME Loan schemes
 available in Tripura

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The foundation of the Indian economy, the Micro, Small, and Medium Enterprises (MSMEs) sector is essential for creating jobs and stimulating economic expansion. Various loan schemes have been introduced by the Indian government and state governments to offer financial help to MSMEs in their respective states. Tripura is one such state that has been aggressively encouraging the expansion of MSMEs. Tripura offers a range of MSME loan programs, incentives, subsidies, and other support.

Tripura, located in Northeast India, is one of the country’s smallest states, yet it has a rich cultural legacy and makes important contributions to the bamboo industry. The Tripura state government has implemented many MSME credit schemes to stimulate the establishment and growth of MSMEs, particularly in bamboo and handicrafts industries. These programs seek to give financial assistance, technical support, and marketing opportunities to MSMEs in the state.

We will talk about the several credit programs that are accessible to MSMEs in Tripura in this article, as well as how they can help them. Additionally, in order to assist entrepreneurs in understanding the eligibility requirements and other pertinent information, we will provide a comprehensive analysis of each scheme and develop distinct tables.

1. Credit Linked Capital Subsidy Scheme (CLCSS)

The Government of India started the Credit Linked Capital Subsidy Scheme in October 2000. This plan gives MSMEs the funding they need to upgrade their present technologies. This strategy enables businesses to improve their existing plant and machinery while increasing profits. This policy has no maximum loan restriction, however the subsidy is based solely on the loan amount sanctioned for P&M purchases. The primary features are as follows:

• Loan amount: no upper limit.
• Subsidy: 15% of loan amount.
• Annual guarantee fee: 0.75-1.0%.
• Loan tenure Flexible tenure based on the repayment capacity

2. Mahila Udyam Nidhi Scheme

The Mahila Udyam Nidhi Scheme offers financial support to female entrepreneurs wishing to launch new companies or grow their current ones. The program’s primary goal is to support female entrepreneurs throughout the state. Please be aware that Punjab National Bank is currently the only source for these programs. Some of its characteristics are as follows:

• Maximum loan amount of Rs. 10 lakh
• 5% annual interest on loans
• 5-7 years for a loan
• Qualifications for Education: Tenth grade
• Gender and Age women between the ages of 18 and 55

3. Pradhan Mantri MUDRA Yojana (PMMY)

The Pradhan Mantri Mudra Yojana (PMMY) is a major central government plan that debuted in 2015. It makes microloans to non-corporate, non-farm micro, and small businesses in both rural and urban locations.

PMMY provides loans in three categories, based on the stage of business growth and finance requirements:

• Shishu Mudra: Up to Rs 50,000.
• Kishore Mudra: Rs. 50,001-Rs. 5 lakh
• Tarun Mudra: Rs 5 lakh to Rs 10 lakh.

MUDRA loans are available through a variety of financial institutions, including public and private sector banks, regional rural banks, small finance banks, microfinance institutions, and non-banking financial companies (NBFCs).

Unlike other loan schemes, PMMY has no age, gender, duration, or interest rate requirements. All of these elements can vary depending on the loan category and the lending institution’s policies.

4. Prime Minister’s Employment Generation Programme (PMEGP)

PMEGP is a credit-linked subsidy system operated by the Ministry of Micro, Small, and Medium Enterprises (MSME) that intends to provide job possibilities through the establishment of micro-enterprises. The primary beneficiaries of this initiative are women, traditional and potential craftspeople, and unemployed youngsters. Here are some of its primary features:

• Age 18 is the minimum
• Depending on the bank, interest rates range from 11% to 12%.
• Loan terms range from three to seven years.
• Education qualification: Pass the VIII standard
• One crore is the maximum loan amount.
• 15% to 35% of the total

5. Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE).

The Ministry of Micro, Small, and Medium Enterprises (MSME), the Government of India, and the Small Industries Development Bank of India (SIDBI) jointly established the CGTMSE project in 2000. It pushes financial institutions to grant micro and small businesses credit plans without collateral. The bank has the right to make a claim with CGTMSE in the event of a default. Some of its primary characteristics are as follows:

• Maximum loan amount of 5 crore
• Not necessary collateral
• Loan term: five to ten years
• Guarantee fee per year: 0.37%–1.35%
• Age Minimum 18-year-old age

6. Stand-up India

Stand-up India is a central government project that began in 2016. It offers bank loans to women and Scheduled Castes (SCs) and Scheduled Tribes (STs) to start their own businesses. Existing firms are ineligible for loans under this scheme because they are intended for new businesses only. These loans are supplied by a variety of banks, including scheduled commercial banks, regional rural banks (RRBs), and small financing banks.

This initiative offers loans ranging from Rs 10 lakhs to Rs 1 crore. Interest rates and tenure vary depending on the nature of the business and other criteria such as the nature of the business, the lender’s credit policies, etc.

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MSME Loan Schemes Available In
Uttar Pradesh

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MSMEs (Micro, Small, and Medium Enterprises) are the backbone of the Indian economy, contributing considerably to the country’s GDP and job creation. Despite their relevance, small enterprises frequently encounter financial difficulties, such as the inability to obtain appropriate funding due to a lack of collateral or credit history.

In India, numerous state and central government financing schemes have been implemented to help MSMEs expand and prosper. These schemes provide financial support to small business owners, allowing them to satisfy their working capital and investment needs.

The loan schemes that are available for MSMEs in Uttar Pradesh will be the subject of this blog post. Each program will be thoroughly described, along with its benefits. Some of the best loan schemes that are available for MSMEs in Uttar Pradesh are as follows:

1. Mukhyamantri Yuva Swarojgar Yojana (MYSY)

This initiative is introduced by the government of Uttar Pradesh to promote self-employment prospects among the educated but unemployed young inside the state. The government also grants a 25% subsidy on the margin money necessary for loans. The following are its primary features:

• Maximum loan amount of Rs. 25 lakhs
• 6% interest rates for the initial three years
• 25% of margin money as a subsidy
• Qualifications for Educationgraduation from high school 
• Male/Female  

2. Mukhya Mantri Gramodyog Rojgar Yojana (MMGRY)

The Uttar Pradesh state government’s plan aims to increase self-employment prospects in rural areas by offering financial help to those starting micro-enterprises in the manufacturing, services, and commerce sectors. The scheme’s primary goal is to boost village industries like as khadi, pottery, weaving, woodwork, and food processing. Youth from Scheduled Caste/Tribe/Backward Caste (SC/ST/OBC) backgrounds would account for 50% of the recipients. The primary features are as follows:

• Amount of loan: Up to Rs. 10 lakh
• Interest rates range from 7 to 15%.
• Supplementary Preference: up to 25% of the project’s total cost Young people without jobs who have received technical training at ITIs and polytechnics
• Gender and Age Any gender over the age of 18

3. Mukhya Mantri Mahila Udyam Nidhi Yojana (MMUNY)

This program encourages women to become entrepreneurs by offering financial help for the start-up of small businesses. The primary goal of the scheme is to encourage female entrepreneurs. To be eligible for the initiative, the candidate must be female and a resident of Uttar Pradesh. Here are some of its features:

• Maximum loan amount of Rs. 10 lakhs
• Interest rates: 7–15%;
•  gender: women; 
• age range: 18–55

4. Prime Minister’s Employment Generation Programme (PMEGP)

The Government of India has launched a credit-linked subsidy system. The primary goal of the PMEGP is to promote and develop self-employment opportunities in both rural and urban areas. The primary goal is to create long-term jobs through micro-enterprises. Here are some of its key features:

• Maximum loan amount of Rs. 25 lakh
• Rates of interest Depending on a number of variables, including the bank and the borrower’s creditworthiness,
• Grant 25% to 35% of the project’s total cost
• Male or female gender
• Age range: 18–40 

5. Pradhan Mantri MUDRA Yojana (PMMY)

Launched in 2015, the Pradhan Mantri MUDRA Yojana (PMMY) is a prominent central government program. It offers microloans to small, non-farm, non-corporate businesses in both rural and urban locations.

Depending on the phases of a company’s growth and its finance requirements, PMMY offers loans in three categories:

• Shishu Mudra: INR 50,000 and more
• Rs. 50,001 to Rs. 5 lakh for Kishore Mudra
• Rs. 5 lakh to Rs. 10 lakh for Tarun Mudra

MUDRA loans are available through a variety of financial organizations, including public and private sector banks, regional rural banks, small finance banks, microfinance institutions, and non-banking financial companies.

PMMY, unlike other loan schemes, does not have age, gender, tenure, or interest rate requirements. All of these elements can vary depending on the loan type and the lending institution’s policies.

6. Stand-up India

Get up India is a 2016-launched central government initiative. It offers women and members of Scheduled Castes (SCs) and Scheduled Tribes (STs) bank loans to pursue business. This scheme does not allow loans to existing firms; instead, it only provides funds to launch new businesses. Regional rural banks (RRBs), small financing banks, and scheduled commercial banks are some of the banks that offer these loans.

Loan amounts under this scheme range from Rs. 10 lakhs to Rs. 1 crore. Interest rates and terms are subject to change based on a number of criteria, including the type of business, the lender’s credit policies, and other variables.

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MSME Loan Schemes Available In
Telangana

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Telangana, one of India’s youngest states, has become a popular destination for MSMEs due to its business-friendly regulations and welcoming environment. MSMEs have played an important part in the state’s economic development by contributing to growth and creating job opportunities. MSMEs, like any other industry, confront their own set of obstacles, including access to capital. To solve this issue, the Telangana government has launched several MSME lending schemes and financial aid initiatives to help the MSME sector. These programs seek to stimulate entrepreneurship, industrial growth, and simple access to credit for MSMEs. This article will go over the various MSME loan packages available in Telangana and how they might assist businesses.

1. T-PRIDE

TS-PRIDE (Telangana State Program for Rapid Incubation of Dalit Entrepreneurs) is a Telangana government project to promote entrepreneurship among Dalits in the state. The plans provide financial aid and incentives to promote economic development and empower these communities. This initiative will allocate land to SC/ST entrepreneurs in proportion to their population in the state. The following are some of its advantages.

Amount of loan	Rs.10 Lakhs – Rs.50 Lakhs
Subsidy on investments	15% to 35% depending on the nature of the business
Interest rates	3%-9%
Category	SC/ST
Gender	Male/Female

2. Telangana State Minorities Finance Corporation (TSMFC) Bank Linked Subsidy Scheme

For the purpose of establishing and growing MSMEs, minority residents of Telangana State are eligible for concessional subsidized loans with bank linkage through the Telangana State Minorities Finance Corporation (TSMFC) Bank Linked Subsidy Scheme. The Telangana government offers one of the best MSME financing programs for the minority population with this one. The TSMFC’s financial support in the form of subsidies would be contingent to the banks’ credit component. Here are a few advantages of it:

Category:	Minority Community
Subsidy on investments	80% up to Rs.80,000/- or 70% up to Rs.1.40 lakh, based on unit cost.
Age range	21–55 years.
Annual Income Maximum Month	Rs.2,00,000.
Gender	Male/Female

3. T-IDEA

T-IDEA stands for the “Telangana State Industrial Development and Entrepreneur Advancement” incentive program. This strategy is designed specifically for general category enterprises. This initiative offers a 10% investment subsidy on fixed capital investments up to Rs. 10.00 lakhs for MSEs controlled completely by women. Here are some of its advantages

Amount of loan	Up to Rs.20 Lakhs
Subsidy on investments	of 15% up to Rs.20 lakh is available for general categories with
Interest rates	3%-9%
Gender	Male/Female

4. Credit Linked Capital Subsidy Scheme (CLCSS)

The Government of India started the Credit Linked Capital Subsidy Scheme in October 2000. This plan gives MSMEs the funding they need to upgrade their present technologies. This strategy enables businesses to improve their existing plant and machinery while increasing profits. This policy has no maximum loan restriction, however the subsidy is based solely on the loan amount sanctioned for P&M purchases. The primary features are as follows:

Amount of loan	no upper limit.
Subsidy on investments	15% of loan amount.
Annual guarantee fee:	0.75-1.0%.
Loan tenure Flexible tenure	based on the repayment capacity

5. Mahila Udyam Nidhi Scheme

Women entrepreneurs who wish to launch new firms or grow their current ones can receive financial support under the Mahila Udyam Nidhi Scheme. Empowering women entrepreneurs throughout the state is the scheme’s primary goal. Please be aware that Punjab National Bank is now the sole place where these offers are available. Among its attributes are the following:

Maximum loan amount of	Rs.10 Lakhs
Annual interest on loans	5%
loan Qualifications for	5-7 years
Education:	Tenth grade
Gender and Agewomen between the	ages of 18 and 55

6. Pradhan Mantri MUDRA Yojana (PMMY)

Launched in 2015, the Pradhan Mantri MUDRA Yojana (PMMY) is a prominent central government program. It offers microloans to small, non-farm, non-corporate businesses in both rural and urban locations.

Depending on the phases of a company’s growth and its finance requirements, PMMY offers loans in three categories:

Shishu Mudra:	INR 50,000 and more
Kishore Mudra	Rs. 50,001 to Rs. 5 lakh
Tarun Mudra	Rs. 5 lakh to Rs. 10 lakh

MUDRA loans are available through a variety of financial institutions, including public and private sector banks, regional rural banks, small finance banks, microfinance institutions, and non-banking financial companies (NBFCs).

Unlike other loan schemes, PMMY has no age, gender, duration, or interest rate requirements. All of these elements can vary depending on the loan category and the lending institution’s policies

7. Prime Minister’s Employment Generation Programme (PMEGP)

Aiming to create jobs through the establishment of micro-enterprises, the Ministry of Micro, Small, and Medium Enterprises (MSME) oversees the PMEGP, a credit-linked subsidy program. This program’s primary beneficiaries are women, aspiring and established craftspeople, and young people without jobs. Some of its primary characteristics are as follows:

Age: Minimum	age of 18.
Interest rates vary between	11% and 12% based on the bank.
Loan tenure:	3-7 years.
Education qualification:	VIII standard pass.
Maximum loan amount:	Rs. 1 Crore. Subsidy: 15% to 35%.

8. Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE).

The CGTMSE is a cooperative project initiated in 2000 by the Ministry of Micro, Small and Medium Enterprises (MSME), the Government of India, and the Small Industries Development Bank of India (SIDBI). It promotes financial institutions to offer collateral-free credit solutions to micro and small businesses. In the event of a default, the bank might submit a claim with CGTMSE. Here are some of its primary features:

Amount of loan	Up to 5 crore.
Collateral is not required. Loan tenure:	5-10 years.
Annual Guarantee Fee:	0.37%-1.35%.
AgeMinimum age is	18
Gender	Male/Female

9. Stand-up India

Stand-up India is a central government project that began in 2016. It offers bank loans to women and Scheduled Castes (SCs) and Scheduled Tribes (STs) to start their own businesses. Existing firms are ineligible for loans under this scheme because they are intended for new businesses only. These loans are supplied by a variety of banks, including scheduled commercial banks, regional rural banks (RRBs), and small financing banks.

This initiative offers loans ranging from Rs 10 lakhs to Rs 1 crore. Interest rates and tenure vary depending on the type of the firm, as well as other considerations such as the lender’s credit policies.

10. SIDBI Make in India Soft Loan Fund for Micro, Small, and Medium Enterprises (SMILE)

The national government established SMILE, a project to provide financial help to 25 identified sectors as part of the ‘Make in India’ strategy. This project encourages the ‘Make in India’ concept among entrepreneurs. SMILE provides ample finance for both the establishment of new firms and the expansion of existing ones. Here are some of its primary features:

Maximum loan term of	ten years
The loan amount ranges from :	10 lakhs to 25 lakhs.
Interest rates based on	the needs of businesses
Type of loan	Term loans and quasi-equity loans

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