MSME loan and subsidy schemes
6 verified programmes in the CapEasy funding directory. Every entry links to its official source.
These are the mainstream government credit and subsidy programmes for small businesses — the ones a bank branch will actually recognise by name. They are aimed at operating enterprises rather than at pre-revenue startups, and most run through lending institutions rather than through a government portal.
Two things decide whether you qualify: your Udyam registration category, and whether the enterprise is new or existing. Several of these schemes fund only new units, and several fund only expansion of existing ones, so the same business can be eligible for one and barred from another.
Reviewed July 2026. Government programmes change — always confirm current eligibility, amounts and deadlines on the official programme page before applying.
Prime Minister Employment Generation Programme (PMEGP)
Pradhan Mantri Mudra Yojana (PMMY)
Assistance to Wholesalers and Retail Traders (AWRT)
Bank Credit Facilitation Scheme
Bill Discounting Scheme
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Raw Material Assistance Scheme
CapEasy is a private consultancy and is not associated with any government programme, agency or authority. Eligibility and approval rest with the relevant authorities; we help you assess and apply, but cannot guarantee approval. Programme terms change — the official page linked from each entry is the position of record.
Questions founders ask.
For most MSME schemes, yes — Udyam registration is how the enterprise category is established, and lenders ask for it. It is free and done online, so there is rarely a reason to delay it.
MUDRA is a loan facility for micro enterprises routed through banks and NBFCs. PMEGP is a subsidy programme where a margin-money subsidy is credited against a bank loan for setting up a new unit, with the subsidy proportion varying by applicant category and location.
Both, for most of these schemes — the service sector is explicitly covered, though some subsidy ceilings differ between manufacturing and service units.