Government of India Schemes

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CrAdLE – Being the technology business incubation center, we help  to avail benefits of mentioned below Government Of India Schemes to enterprises. We also facilitate them in preparing proposals to avail the benefits under various schemes announced by the Govt.

Credit Guarantee Fund Scheme for Micro and Small Enterprises

This is a Collateral free facility specially designed under the Credit Guarantee Fund Trust for Micro and Small Enterprises (MSE). (CGTMSE) scheme of SIDBI and Ministry of Small and Medium Enterprises as defined under MSMED Act, 2006.

Facilities Offered

  • Get Collateral free loans up to Rs.1 crore under CGTMSE scheme
  • Cash credit for meeting working capital finance requirement
  • Term Loan for purchase of commercial assets and business expansion needs

Eligible entities

  • Sole Proprietorship Firms, Partnership Firms, Private limited companies, Public limited Companies.

Eligible business segment

  • MSE excluding Retail traders

Credit Facility

Annual Guarantee Fee % p.a.

Women Micro Enterprises and units in North East Region (including Sikkim)



Up to Rs.5 Lacs 0.75% 1.00%
Above Rs.5 Lacs 0.85% 1.00%

Guarantee fee is payable every year

For more details, please visit

Credit Linked Capital Subsidy Scheme (CLCSS) for Technology Upgradation of Small Scale Industries (SSI)

The Ministry of Small Scale Industries (SSI) is operating a scheme for technology upgradation of Small Scale Industries (SSI) called the Credit Linked Capital Subsidy Scheme (CLCSS). The Scheme aims at facilitating technology upgradation by providing upfront capital subsidy to SSI units, including tiny, khadi, village and coir industrial units, on institutional finance (credit) availed of by them for modernization of their production equipment (plant and machinery) and techniques. The Scheme (pre-revised) provided for 15 per cent capital subsidy to SSI units, including tiny units, on institutional finance availed of by them for induction of well-established and improved technology in selected sub-sectors/products approved under the Scheme. The eligible amount of subsidy calculated under the pre-revised scheme was based on the actual loan amount not exceeding Rs.100 lakh.

Eligible Beneficiaries

The eligible beneficiaries include sole Proprietorships, Partnerships, Co-operative societies, Private and Public limited companies in the SSI sector. Priority shall be given to Women entrepreneurs

Eligibility Criteria

  • Capital subsidy at the revised rate of 15 per cent of the eligible investment in plant and machinery under the Scheme shall be available only for such projects, where terms loans have been sanctioned by the eligible on or after September 29, 2005. Machinery purchased under Hire Purchase Scheme of the NSIC are also eligible for subsidy under this Scheme.
  • Industry graduating from small scale to medium scale on account of sanction of additional loan under CLCSS shall be eligible for assistance.
  • Eligibility for capital subsidy under the Scheme is not linked to any refinance Scheme of the Nodal Agency (ies). Hence, it is not necessary that the PLI will have to seek refinance in respect of the term loans sanctioned by them from any of the refinancing Nodal Agencies
  • Labour intensive and/or export oriented new sectors/ activities will be considered for inclusion under the scheme

Ceiling on eligible loan amount and capital subsidy

  • The maximum limit of eligible loan under the revised scheme is Rs. 100 lakh. Accordingly, the ceiling on subsidy would be Rs.15 lakh or 15% of the investment in eligible plant and machinery, whichever is lower.

For more details please visit

Prime Minister’s Employment Generation Programme (PMEGP)

Prime Minister’s Employment Generation Programme (PMEGP) is a credit linked subsidy programme administered by the Ministry of Micro, Small and Medium Enterprises, Government of India. Khadi & Village Industries Commission (KVIC), is the nodal agency at national level for implementation of the scheme. At state level the scheme is implemented through KVIC, KVIB and District Industries center


  • To generate employment opportunities in rural as well as urban areas through setting up of self-employment ventures.
  • To provide continuous and sustainable employment to a large segment of traditional and prospective artisans and unemployed youth, so as to help arrest migration of rural youth to urban areas


  • The scheme is applicable to all viable (technically as well as economically) projects in rural as well as urban areas, under Micro enterprises sector.
  • The maximum cost of the project admissible under manufacturing sector is Rs.25 lakhs and business/services sector is Rs.10 lakhs.
  • Only one person from family is eligible for obtaining financial assistance under the scheme.
  • Assistance under the Scheme is available only for new projects
  • The assistance under the scheme will not be available to activities indicated in the negative list under the scheme

Eligible Entrepreneurs / Borrowers

  • Any individual, above 18 years of age
  • The beneficiaries should have passed at least VIII standard, for setting up of project costing above Rs.10 lacs in the Manufacturing Sector and above Rs. 5 lakhs in the business /Service Sector,
  • Self Help Groups (including those belonging to BPL provided that they have not availed benefits under any other Scheme).
  • Institutions registered under Societies Registration Act,1860
  • Production Co-operative Societies
  • Charitable Trusts

Subsidy Entitlement & Bank Finance


Bank finance Subsidy from KVIC Promoter’s contribution
Urban Area Rural Area
General Category beneficiary / institution 90% 15% 25% 10%
Special category beneficiary/institution 95% 25% 35% 5%

Rate of Interest: As applicable to MSE Sector

Repayment: 3 to 7 years with an initial moratorium not exceeding 6 (six) months

Promoting Innovations in Individuals, Start-ups and MSMEs (PRISM)

PRISM (Promoting Innovations in Individuals, Start-ups and MSMEs) scheme aims at to support individual innovators which will enable to achieve the agenda of inclusive development – one of the thrust areas of XIIth five year plan (2012-2017). It would also provide support to institutions or organizations set up as Autonomous Organization under a specific statute or as a society registered under the Societies Registration Act, 1860 or Indian Trusts Act, 1882 leading to development of state-of-art new technology solutions aimed at helping MSME clusters.

Who can apply
Any Indian citizen having innovative idea and wish to translate their idea into working prototypes/models/processes; public funded institutions or organizations viz. Autonomous Organizations or Society registered under the Societies Registration Act, 1860 or Indian Trusts Act, 1882 engaged in promotion of innovation.

Thrust Areas

The proposals shall preferably be considered in the following focus sectors: Green technology, Clean energy, Industrially utilizable smart materials, Waste to Wealth, Affordable Healthcare, Water & Sewage Management and any other technology or knowledge intensive area.

PRISM Phase – 1

Category-I: Proof of Concept/ Prototypes/ Models

Maximum support may be limited to Rs. 2 lakhs or 90% of the total project cost whichever is lower.

Category-II: Fabrication of working model/process know-how/ testing and trial/patenting/technology transfer etc. (Innovation Incubation)

Maximum support may be limited to Rs.20 lakhs or 90% of the total project cost whichever is lower

PRISM- Phase-II (Enterprise Incubation)

Maximum support may be up to Rs. 50 lakhs limited to 50% of the total project cost. The support may be provided for scaling up technology based innovations, including patenting/design registration/trademark registry/ technology transfer to develop a marketable product/process towards enterprise creation.

PRISM-R&D Proposals

Maximum support may be up to Rs. 50 lakhs, limited to 50% of the total project cost for developing technology solutions aimed at helping MSME clusters.

For – Any R&D institute / autonomous institutions/public funded laboratories/ academic institutes and so on

Marketing Assistance Scheme

Promoting Innovations in Individuals, Start-ups and MSMEs (PRISM)
Under the Scheme, it is proposed to provide marketing support to Micro, Small & Medium Enterprises through National Small Industries Corporation (NSIC) and enhance competitiveness and marketability of their products, through following activities.


  • To enhance marketing capabilities & competitiveness of the MSMEs.
  • To showcases the competencies of MSMEs.
  • To update MSMEs about the prevalent market scenario and its impact on their activities.
  • To facilitate the formation of consortia of MSMEs for marketing of their products and services.
  • To provide platform to MSMEs for interaction with large institutional buyers.
  • To disseminate/ propagate various programmes of the Government.
  • To enrich the marketing skills of the micro, small & medium entrepreneurs
  1. Organizing International Technology Exhibitions in Foreign Countries by NSIC and participation in International Exhibitions/Trade Fairs
  2. Organizing Domestic Exhibitions and Participation in Exhibitions/ Trade Fairs in India
  3. Support for Co-sponsoring of Exhibitions organized by other organisations / industry associations/agencies
  4. Buyer-Seller Meets
  5. Intensive Campaigns and Marketing Promotion Events
  6. Other Support Activities

For more details please visit

TIFAC – SIDBI Revolving Technology Innovation Fund (SRIJAN)

Development, demonstration, up-scaling and commercialization of innovative technology based projects by MSMEs. The Scheme will provide developmental loan at flexible terms & softer interest rate to encourage, promote and development of innovation of new technology / process / product and its commercialization

Eligibility: New / existing MSME units

Assistance upto 80% of the total project cost, which would be normally around Rs. 100 lakhs. Higher assistance could be considered selectively based on innovation content in the projects.

Project Cost

  • Capital expenditure e.g. factory shed for the project, plants & machinery, utilities, testing & quality control equipment etc.
  • Intangibles e.g. patents/ copy rights / R&D / technology transfer fee / licensing / Marketing / brand building expenses
  • Working capital margin
  • Pre-operative expenses
  • Manpower cost
  • Contingencies / Any other heads required for the project

Upfront Fee

  • Not more than 0.5% of the sanctioned amount + service tax as applicable for the sanctioned projects only.

Instruments of Finance

  • Secured Term Loan

Rate of Interest – Not more than 5% p.a.

Repayment Period – Loan repayment period including moratorium should generally be not more than 6 years from the date of completion of the project


  • First charge on assets (both moveable / immoveable) created / to be created under the project.
  • First / paripassu / second charge on other assets of the unit depending upon prior charge created/ to be created
  • Personal guarantees of promoters.

Promoter’s Contribution – Minimum promoter’s contribution generally 20%

Scheme for Providing financial assistance on International Cooperation

Technology infusion and/or upgradation of Indian micro, small and medium enterprises (MSMEs), their modernization and promotion of their exports are the principal objectives of assistance under the International Cooperation Scheme. The Scheme would cover the following activities

  • Visit of MSME business delegations to other countries for exploring new areas of technology infusion/upgradation, facilitating joint ventures, improving market of MSMEs products, foreign collaborations, to visit international exhibitions/trade fairs, etc.
  • Visit & participation by Indian MSMEs in international exhibitions, trade fairs and buyer-seller meets in foreign countries.
  • Participation in International exhibitions/ trade fairs held in India in which there is international participation.
  • Holding international conferences and seminars on topics and themes of interest to the Indian MSMEs.
  • Holding/organising International conferences/seminars/ workshops in India by Ministry of MSME or organizations under it.

Eligible Organisations

  • State/Central Government Organisations;
  • Registered Industry/Enterprise Associations; and
  • Societies/Trusts and Organisations associated with promotion and development of MSME Sector

Eligibility Conditions

  1. a) The applicant organization should be suitably registered (i.e. companies under the

Companies Act, Societies under the Societies Act, etc.) with the primary objective of promotion and development of MSME.

  1. b) The applicant organisation must be engaged in such activities for at least last 3 years and have a good track record.
  2. c) The applicant organization should have regular audited accounts for the past 3 years.
  3. d) Events, for which financial support under the Scheme is sought, must have significant international participation.

Single Point Registration Scheme (SPRS)

The Government is the single largest buyer of a variety of goods. With a view to increase the share of purchases from the small-scale sector, the Government Stores Purchase Programme was launched in 1955-56. NSIC registers Micro & small Enterprises (MSEs) under Single Point Registration scheme (SPRS) for participation in Government Purchases.

Benefits of Registration

The units registered under Single Point Registration Scheme of NSIC are eligible to get the benefits under “Public Procurement Policy for Micro & Small Enterprises (MSEs) Order 2012” as notified by the Government of India, Ministry of Micro, Small & Medium Enterprises, New Delhi vide Gazette Notification dated 26.03.2012

  • Issue of tender sets free of cost,
  • Exemption from payment of Earnest Money Deposit (EMD),
  • In tender participating MSEs quoting price within price band of L1+15 per cent shall also be allowed to supply a portion upto 20% of requirement by bringing down their price to L1 Price where L1 is non MSEs


All industries which are registered with the Director of Industries (DI)/District Industries Centre (DIC) as manufacturing/service enterprises or having Acknowledgement of Entrepreneurs Memorandum (EM Part-II) are eligible for registration with NSIC under its Single Point Registration Scheme (SPRS).

The SPRS Certificate is granted to the Micro & Small Enterprise under Single Point Registration Scheme (Revised), 2003 is valid for Two Years and will be reviewed and renewed after every two years by verifying continuous Commercial and Technical Competence of the registered Micro & Small Enterprise in manufacturing / producing the stores for which it has been registered by NSIC

Provisional Registration Certificate with Monetary Limit of Rs.5.00 lakhs is issued to new micro and small enterprises subject to the followings:

For the Micro & Small Enterprises who have already commenced their commercial production but not completed one year of existence. The Provisional Registration Certificate can be issued to such Micro & Small Enterprises under Single Point Registration scheme which shall be valid for the period of one year only from the date of issue after levying the registration fee and obtaining the requisite documents.

For more details, please visit

Raw Material Assistance Scheme

Scheme aims at helping MSEs by way of financing purchase of raw material (both indigenous & imported). This gives an opportunity to MSEs to focus better on manufacturing quality products.

Nature of assistance:

Financial assistance for procurement of raw material upto 90 days. MSEs helped to avail economics of purchases like bulk purchase; cash discount etc NSIC takes care of all the procedures, documentation & issue of letter of credit in case of imports

Who can apply?

Any entrepreneur

For more details, please visit

Performance and Credit Rating Scheme

An independent, trusted third party opinion on capabilities and credit-worthiness of SSIs Availability of credit at attractive interest, Recognition in global trade, Prompt sanctions of credit from banks and financial institutions, Subsidized rating fee structure for SSIs, facilitate vendors/buyers in capability and capacity assessment of SSIs, Enable SSIs to ascertain the strengths and weaknesses of their existing operations and take corrective measures.

Nature of assistance:

Turnover of SSI Reimbursement of fee through NSIC
Upto Rs.50 lakhs 75% of the fee or Rs.25000 (Whichever is less)
Above Rs.50 to 200 lakhs 75% of the fee or Rs.30,000 (Whichever is less)
More than Rs.200 lakhs 75% of the fee or Rs.40,000 (Whichever is less)


Who can apply:

Any enterprise registered in India as a micro or small enterprise is eligible to apply

For more details, please visit

National Manufacturing Competitiveness Programme

National Manufacturing Competitiveness Council (NMCC) has finalised a five-year national manufacturing programme. Ten schemes have been drawn up including schemes for promotion of ICT, mini tool room, design clinics and marketing support for SMEs. Implementation will be in PPP model, and financing will be tied up. Under this plan following schemes are being implemented.

  1. Marketing support/Assistance to MSMEs (Bar Code)
  2. Support for entrepreneurial and managerial development of SMEs through incubators
  3. Enabling manufacturing sector to be competitive through Quality Management Standard & Quality Tech. Tools (QMS/QTT)
  4. Building awareness on Intellectual Property Rights (IPR) for MSME
  5. Lean manufacturing competitiveness scheme for MSMEs and Compendium of success stories.
  6. Design clinic scheme for design expertise to MSMEs manufacturing sector (DESIGN) and Case studies of design projects under design clinic scheme for MSMEs
  7. Promotion of ICT in Indian manufacturing sector (ICT)
  8. Technology and quality up-gradation support to MSMEs

For more details, please visit


ISO 9000/ISO 14001 Certification Reimbursement Scheme

Small scale sector has emerged as dynamic and vibrant and making significant contribution to industrial production, export and employment generation. The process of economic liberalisation and reforms has opened up Indian small scale sector to global competition. In order to enhance the competitive strength of small sector, Government introduced an incentive scheme for their technological up-gradation/ quality improvement and environment management. The scheme provides incentive to those small scale/ancillary undertaking who have acquired ISO 9000/ISO 14001/HACCP certifications. The scheme enlarged so as to include reimbursement of expenses for acquiring ISO 14001 certification.

Nature of Assistance:

Scheme envisages reimbursement of charges of acquiring ISO 9000/ISO-14001/HACCP certifications to the extent of 75% of expenditure subject to a maximum of Rs. 75,000 in each case.

Who can apply:

Permanent Registered Micro Small Enterprises (MSEs) units are to avail incentive scheme. Scheme is applicable to those MSEs/ancillary/ tiny/SSSBE units who have already acquired ISO- 9000/ISO-14001/ HACCP certification.

For more details, please visit