Government Subsidized Business Loans

Avail 15% to 35% Margin Money Capital Subsidy through PMEGP, Stand-Up India, PM Vishwakarma, and PMFME schemes across Uttar Pradesh with complete Project Report (DPR) support.

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

Administered by KVIC, Ministry of MSME, Govt. of India for setting up new micro-enterprises.

Max Govt Subsidy
15% to 35%
Beneficiary Category Own Contribution (Margin) Urban Subsidy Rate Rural Subsidy Rate
General Category 10% of project cost 15% Margin Money 25% Margin Money
Special Category (SC/ST/OBC/Women/Minorities/Ex-Servicemen) Only 5% of project cost 25% Margin Money 35% Margin Money
Manufacturing Projects Maximum allowable project cost up to ₹50 Lakhs
Service Sector Projects Maximum allowable project cost up to ₹20 Lakhs
2nd Loan for Upgradation Up to ₹1 Crore (Manufacturing) with 15% subsidy
₹10L to ₹1 Crore

2. Stand-Up India Scheme

Bank loans facilitating entrepreneurship among SC, ST, and Women borrowers for greenfield enterprises in manufacturing, services, or trading.

Loans from ₹10 Lakhs up to ₹1 Crore
Composite loan (Term loan + Working capital)
Repayable in 7 years with 18-month moratorium
5% Concessional Rate

3. PM Vishwakarma Scheme

Holistic end-to-end support for traditional artisans and craftspersons with collateral-free enterprise credit and 8% interest subvention.

1st Tranche: ₹1,00,000 (18-mo tenure)
2nd Tranche: ₹2,00,000 (30-mo tenure)
₹15,000 Toolkit grant & skill certification
35% Capital Subsidy

4. PMFME Scheme (Food Processing)

Credit-linked subsidy for micro food processing enterprises (bakery, spices, flour mills, oil extraction, dairy, pickles) across UP districts.

35% capital subsidy up to ₹10 Lakhs
One District One Product (ODOP) alignment
Branding and marketing assistance support

Complete End-to-End Subsidy Consultation by Born Black Financial

Applying for government subsidy loans requires careful project report (DPR) preparation, EDP online training coordination, portal registration, and follow-up with District Level Task Force Committees (DLTFC) and bank branch managers. Our team at Sulem Sarai, Prayagraj assists you throughout the lifecycle until subsidy credit into your TDR account.

Apply For Subsidized Loan Chat With Subsidy Officer