MSME, Business and Startup Schemes (Central Sector)
Mudra loans, PMEGP subsidies, street vendor loans, startup seed funds, and collateral-free credit guarantees. Below is the complete table and detailed summaries of all active and landmark central schemes under this category, verified on 15 October 2026.
Master Table: MSME, Business and Startup Schemes
| # | Scheme Name | Key Financial Benefit | Target Beneficiary | Current Status | Action |
|---|---|---|---|---|---|
| 39 | PMEGP Loan 2026: Up to 35% Subsidy, Rs 50 Lakh Projects, Apply Also: PMEGP loan, KVIC subsidy loan | Projects up to Rs 50 lakh (manufacturing) and Rs 20 lakh (service). | Individuals aged 18+, SHGs, institutions, cooperatives and trusts starting new units. | Pending Approval | Read Details → |
| 40 | Mudra Loan 2026: Shishu, Kishore, Tarun, Tarun Plus Rs 20 Lakh Also: Mudra loan, business loan without guarantee | Shishu: up to Rs 50,000. | Small business owners and new entrepreneurs in manufacturing, trading, services and allied farm activities. | Updated 2026 | Read Details → |
| 41 | Stand Up India Scheme 2026: Closed? New Rs 2 Crore Scheme Status Also: Stand Up India loan | Loans of Rs 10 lakh to Rs 1 crore (until March 2025). | Was for SC/ST and women entrepreneurs aged 18+. | Closed | Read Details → |
| 42 | PM SVANidhi 2026: Rs 15,000 to Rs 50,000 Loan + Credit Card Also: SVANidhi loan, rehri patri loan | 1st loan up to Rs 15,000 (12 months), 2nd up to Rs 25,000 (18 months), 3rd up to Rs 50,000 (36 months). | Urban street vendors with a vending certificate / ID or a Letter of Recommendation from the ULB / Town Vending Committee. | Updated 2026 | Read Details → |
| 43 | Startup India Registration 2026: DPIIT Recognition, Seed Fund Also: Startup India registration | DPIIT recognition makes you eligible for tax holiday (80-IAC, with separate approval), self-certification, faster patents with fee rebate. | Private limited companies, LLPs and partnership firms that are young and innovative. | Updated 2026 | Read Details → |
| 44 | CGTMSE Loan 2026: Rs 10 Crore Collateral-Free MSME Loan, Fees Also: CGTMSE loan, collateral free MSME loan | Guarantee cover on loans up to Rs 10 crore per borrower. | New and existing micro and small enterprises in manufacturing, services and retail trade. | Updated 2026 | Read Details → |
| 45 | PMFME Yojana 2026: 35% Subsidy up to Rs 10 Lakh, Apply Also: PMFME subsidy, food processing loan | 35% credit-linked capital subsidy, up to Rs 10 lakh per unit. | Individual micro food units, FPOs, SHGs and cooperatives. | Pending Approval | Read Details → |
Scheme Profiles & Quick Facts
39. PMEGP Loan 2026: Up to 35% Subsidy, Rs 50 Lakh Projects, Apply
Ministry: Ministry of MSME (through KVIC, KVIBs and DICs)What it gives: Bank loan with a margin-money subsidy to start a new small business in manufacturing or services.
Who is eligible: Individuals aged 18+, SHGs, institutions, cooperatives and trusts starting new units.
40. Mudra Loan 2026: Shishu, Kishore, Tarun, Tarun Plus Rs 20 Lakh
Ministry: Department of Financial Services, Ministry of FinanceWhat it gives: Collateral-free loans for small non-farm businesses through banks, NBFCs and MFIs.
Who is eligible: Small business owners and new entrepreneurs in manufacturing, trading, services and allied farm activities.
41. Stand Up India Scheme 2026: Closed? New Rs 2 Crore Scheme Status
Ministry: Department of Financial Services, Ministry of FinanceWhat it gives: Bank loans of Rs 10 lakh to Rs 1 crore for SC/ST and women entrepreneurs to start a new (greenfield) enterprise. New loans stopped after March 2025.
Who is eligible: Was for SC/ST and women entrepreneurs aged 18+.
42. PM SVANidhi 2026: Rs 15,000 to Rs 50,000 Loan + Credit Card
Ministry: Ministry of Housing and Urban AffairsWhat it gives: Small collateral-free working capital loans for street vendors, with interest subsidy and cashback for digital payments.
Who is eligible: Urban street vendors with a vending certificate / ID or a Letter of Recommendation from the ULB / Town Vending Committee.
43. Startup India Registration 2026: DPIIT Recognition, Seed Fund
Ministry: DPIIT, Ministry of Commerce and IndustryWhat it gives: Recognition and support for new businesses: tax and compliance relief, IPR help, seed money via incubators, and VC funding via Fund of Funds.
Who is eligible: Private limited companies, LLPs and partnership firms that are young and innovative.
44. CGTMSE Loan 2026: Rs 10 Crore Collateral-Free MSME Loan, Fees
Ministry: Ministry of MSME with SIDBIWhat it gives: A government-backed guarantee so banks can give business loans to micro and small units without collateral.
Who is eligible: New and existing micro and small enterprises in manufacturing, services and retail trade.
45. PMFME Yojana 2026: 35% Subsidy up to Rs 10 Lakh, Apply
Ministry: Ministry of Food Processing IndustriesWhat it gives: Credit-linked subsidy for small food units like pickle, papad, bakery, flour mill, dairy products and spices.
Who is eligible: Individual micro food units, FPOs, SHGs and cooperatives.