National Portal for Credit-Linked Government Schemes
One-stop digital portal linking Government Schemes. Check your eligibility, apply online and get digital approval.
What Are you Looking For
Select loan category and check your eligibility for multiple schemes at once
– Use your electronic- Negotiable Warehouse Receipts (e-NWR) to apply for secured credit from banks.
– e-NWRs can be issued only by WDRA registered warehouses
– Financing for agricultural commodities against e-NWRs available from Banks / Financial Institutions
The Kisan Credit Card scheme aims at providing adequate and timely credit support from the banking system under a single window with flexible and simplified
procedure to the farmers for their cultivation and other needs as indicated below.
a. To meet the short term credit requirements for cultivation or crops
o. Post-harvest expenses.
c. Produce marketing loan.
d. Consumption requirements or farmer household.
e. Working capital for maintenance of farm assets and activities allied to agriculture
f. Investment credit requirement for agriculture and allied activities.
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Registration at National Portal for PM – Surya Ghar is mandatory to avail the loan facility
Eligible beneficiaries should be diploma/degree/post graduate in Agriculture or Allied Subjects
Assistance under the scheme will be available after successful completion of training by Nodal Training Institutes
Project Cost to be Rs. 20 Lacs tor Individual Projects and upto Rs. 1 crore for Group Projects
Margin money support will be provided by NABARD for SC/ST. Women and beneficiaries of North Eastern States and Hilly Areas
Assistance for developing marketing Infrastructure to handle marketable surpluses of agricultural and allied products.
Subsidy can be claimed by various categories of promoters for storage capacity of 50-5000 MT
The scheme covers primary processing or fruits, vegetables, grains. seeds. oil seeds, coconuts, beverages, milk. meat. poultry and marine products
There is no provision of assistance for renovation of storage infrastructure projects under the scheme
To mobilise a medium – long term debt finance facility for investment in viable projects for post-harvest management Infrastructure and community farming
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Improving marketing infrastructure to allow farmers to sell directly to a larger base of consumers and hence, increase value realisation for the farmers
With the logistics infrastructure, farmers will be able to sell in the market with reduced post-harvest losses and a smaller number of intermediaries
With modern packaging and cold storage system access, farmers will be able to further decide when to sell in the market and improve realisation
To generate employment opportunities in rural as well as urban areas of the country through setting up of new self-employment ventures/projects/micro enterprises
To bring together widely dispersed traditional artisans/ rural and urban unemployed youth and give them self-employment opportunities to the extent possible, at their place.
To increase the wage earning capacity of artisans and contribute to increase in the growth rate of rural and urban employment
Aims at providing adequate and timely assistance from the Banking institutions to the weavers to meet their credit requirements
Scheme benefits available for weavers, ancillary workers involved in weaving activities
Preference would be given to weavers identified under third census of handloom weavers as well as weavers identified by the state government
To create an inclusive, sustainable and value based entrepreneurial culture
With an objective to promote entrepreneurship among the new generation aspiring youth, it is ensured that more focus is given to Shishu Category Units and then Kishore and Tarun categories
Within the framework and overall objective of development and growth of micro enterprises sector under Shishu, Kishore and Tarun, the products being offered by MUDRA are so designed, to meet requirements of different sectors / business activities as well as business/ entrepreneur segments
To formalize the street vendors and will open up new opportunities to this sector to move up the economic ladder
On timely or early repayment, the vendors will be eligible for the next cycle of working capital loan with an enhanced limit
Identified manual scavengers, one from each family, would be eligible for One Time Cash Assistance (OTCA) of Rs. 40,000/- or any such amount as OTCA as revised from time to time
Subject to the eligibility criteria of the training Programme, the manual scavenger and the dependents shall be provided, free of cost, skill training of their choice from trainings organized by the National Safai Karmacharis Finance and Development Corporation (NSKFDC)
In order to promote mechanized cleaning and related sanitation projects by the indentified Manual Scavengers, Safai Karmacharis and their dependents, Urban Local Bodies (ULBs) would be asked to provide mechanized cleaning contracts to them and also issue job guarantee to concerned banks
The Stand Up Scheme provides for collateral free loans to the applicants
The objective of the Stand Up India scheme is to facilitate bank loans between 10 lakh and 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch
Option provided under the scheme to trainee borrowers to avail necessary training and hand holding
DAY-NRLM is the flagship program of Govt. of India for promoting poverty reduction through building strong institutions of the poor, particularly women, and enabling these institutions to access a range of financial services and livelihoods
SHGs may avail either Term Loan (TL) or a Cash Credit Limit (CCL) loan or both based on the need. In case of need, additional loan may be sanctioned even though the previous loan is outstanding, based on the repayment behavior and performance of the SHG
For pursuing education within India
NAAC accredited institutions offering profession/technical courses or professional/ technical program accredited by NBA or Institutions of national importance or Centrally Funded Technical Institutions (CFTIs) will be eligible
Subsidy can be claimed only once, either for UG, PG or integrated courses (graduate + post graduate)
The Process
Check Eligibility
Answer few questions and get matched with best suitable scheme(s).
Apply Online
Provide basic details & documents and the advanced technologies would capture/auto-fill required details through smart analytics.
Get Digital Approval
View offers from 200+ Lenders and get Digital Approval from selected bank.
Track your application
Check the real time status of your application at your convenience.
About the initiative
A Unique One-Stop Digital Portal Linking Government Schemes.
PMEGP Portal, an initiative by Government of India, is a unique digital portal linking fourteen Credit Linked Government schemes on a single platform, for ease of access to all the beneficiaries and related stakeholders.
The core objective of PMEGP Portal is to promote inclusive growth and development of various sectors by guiding and providing them to the right type of Government benefits through simple and easy digital processes. The portal ensures end-to-end coverage of all the processes and activities of all the linked schemes.
The Portal uses cutting-edge technologies and smart analytics to provide intuitive guidance to beneficiaries for checking subsidy eligibility and auto recommendation system offers best suitable schemes as per Beneficiary’s requirements and credentials. Advanced technologies automate entire lending processes based on digital verifications making the entire process simple, speedy and hassle-free.
Connects various stakeholders of the financial ecosystem on a single platform to promote inclusive development and ease of doing business.
Applicants (Beneficiaries)
Lenders and Financial Institutions
Central / State Government Ministries
Nodal Agencies
Facilitators
Digital Integrations
PMEGP Portal, a one of its kind, is having multiple integrations within the platform with UIDAI, CBDT, NSDL, LGD, NeSL etc. These integrations provide a backbone of digital access to authenticate data, reducing hassles of Member Lending Institutes (MLIs) as well as beneficiaries. The automated rule engine of JanSamarth Portal enables beneficiaries to choose from multiple options offered by various MLIs onboarded on the Portal.
Partner Banks and Key Stakeholders
Various Ministries, Nodal Agencies and Lenders came together on a single Platform to ensure fast, smooth and secure subsidy availing process for beneficieries.
Frequently Asked Questions(FAQ)
Rs.50.00 lakhs for manufacturing unit and Rs.20.00 lakhs for Service Unit.
Urban – 25%
Rural – 30%
Special (including SC / ST / OBC /Minorities/Women/Transgender, Ex-servicemen, Physically handicapped, NER, Hill and Border areas, Aspiration Districts etc.
Urban – 30%
Rural – 35%
Capital Expenditure(Term Loan) Loan, working capital and 10% of project cost as own contribution in case of General category and 5% of project cost in case of weaker section.
Individual Entrepreneurs Only.
All Public Sector Banks ,Regional Rural Banks(RRB), Co-operative Banks,SIDBI and Private Scheduled Commercial Banks regulated by RBI and approved by SLMC of concern State.
Beneficiary can submit his/her application/Project online on kvic website. List of office addresses of KVIC/KVIB/DIC/COIR are available at our website.
A : Any Village Industry (except those mentioned in the negative list) located in the Rural/Urban Area which produces any goods or renders any service with or without the use of power and in which the fixed capital investment per head of a full time artisans or worker does not exceed Rs.3.00 lakh in plain area and Rs.4.50 lakhs in hilly areas and for A & N Island and Lakshadweep Rs.4.5 Lakhs.
A : Any area classified as Village as per the revenue record of the State/UT, irrespective of the population. All the areas, irrespective of Population, following unde Panchayat Raj Institutions.
A : Any adult beneficiary above 18 years is eligible for assistance under PMEGP.
A : It should fulfill the criteria of rural area (for Rural Area project), per capita investment, own contribution, negative list and the unit should be new one.
A : Before MM Claim through PMEGP eportal ,EDP training of 10 working days for Project cost More than 5.00 lakhs and 5 Working days training for upto Project Cost 5.00 lakhs by the beneficiary is compulsory. EDP Training is not Mandatory for Projects Upto Rs.2.00 Lakhs.
A : As per RBI guidelines the project costing upto Rs.10.00 lakhs under PMEGP loans are free from collateral security. The CGTMSE provided collateral guarantee for the project upto Rs. 2.00 Crore.
A : Model projects are available in PMEGP ePortal.
A : Self and Spouse.
A : Yes through All Implementing Agencies.
A : No, only new unit are eligible except for 2nd Loan for existing (REGP/PMEGP/MUDRA) units .
A : yes, Industry wise model projects are available at kvic
A : List of EDP training centers including 582 training center of RSETI/RUDSETIS are available at PMEGP
A : 3 years.
A : No, it is not eligible.
Categories of beneficiaries under PMEGP
Own contribution (of project cost)
General Category 10%
Special (including SC / ST / OBC /Minorities/Women/Transgender, Ex-servicemen, Physically handicapped, NER, Hill and Border areas etc. 05%
A : The Following list of activities will not be permitted under PMEGP for setting up of micro enterprises/ projects/ units.
i. Any industry/Business connected with Meat(Slaughtered), i.e. processing, canning and/or serving items made of it as food, Production/Manufacturing or sale of intoxicant items like Beedi/Paan/Cigar/Cigarette etc. Hotels or Dhaba or Sales outlet serving liquor, preparation/producing tobacco as raw materials, tapping of toddy for sale will not be allowed.
(a) However, serving/selling non-vegetarian food at Hotels/Dhabas will be allowed.
ii. Activities prohibited by Local Government/Authorities keeping in view environment or Socio-economic factors will not be allowed.
iii. Manufacturing of polythene carry bags of less than 75 microns thickness and manufacture of carry bags or containers made of recycled plastic for storing, carrying, dispensing or packaging of food stuff and any other item which causes environmental problems. Thickness of polythene carry bags shall be governed by the Ministry of Environment, Forest and Climate changes notification for plastic waste management rules and amendments from time to time.
iv. Any Industry/Business connected with cultivation of crops/plantation like Tea, Coffee, Rubber etc. sericulture (Cocoon rearing), Horticulture, Floriculture, Animal Husbandry will not be allowed.
(a) However, value addition under these will be allowed under PMEGP. Off Farm/Farm Linked activities in connection with sericulture, horticulture, floriculture etc. will be allowed.
Following industry/Business connected with Animal Husbandry will also allowed:
(a) Dairy-Milk and other dairy products through primarily Cows but also sheep, goats, camels, buffaloes, horses, and donkeys.
(b) Poultry-Poultry, kept form their eggs and for their meat, include chickens, turkeys, geese and ducks.
(c) Aquaculture-It is the farming of aquatic organisms including fish, molluscs, crustaceans and aquatic plants
(d) Insects -Including Bees, Sericulture, etc.
(As a special case piggery, which is a major source of livelihood in NER may also be allowed in NER states only).
JanSamarth is a digital portal linking thirteen Credit Linked Government schemes on a single platform. Beneficiaries can digitally check eligibility in few simple steps, apply online under eligible scheme and receive digital approval.
Currently, there are five loan categories and under each loan category there are various schemes listed. For your preferred loan category, you first need to check eligibility by providing answers to few simple questions and once you become eligible under any of the schemes, you may select to proceed to apply online to receive digital approval.
Each scheme has different documentation requirement. To apply online on the Portal, the basic documents required would be Aadhaar Number, Voter Id, PAN, Bank Statements etc. The applicant also needs to provide some basic details on the portal.
Yes, anyone can apply for loan. First, you need to check eligibility under your required loan category and if you are eligible, you may apply for loan though online application process.
The applicant can check the status of loan application on the web portal. Check Using Registration credentials, click on my check status to know Application.