Subsidy

Central Schemes

Central schemes are often combined with state incentives. Several of them run in five-year cycles aligned with the Finance Commission, so the status of the scheme matters as much as its terms. Each page below shows the terms and the status as last checked.

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Central schemes covered

PMEGP

Margin money subsidy for new micro enterprises, applied through the KVIC portal.

PMKSY (Food Processing)

Grants for cold chain, food processing units, agro-processing clusters and testing labs.

Agriculture Infrastructure Fund (AIF)

Interest subvention and credit guarantee for post-harvest and farm-gate infrastructure.

MUDRA Loans (PMMY)

Collateral-free loans up to ₹20 lakh for micro enterprises, in four categories.

MSME Ministry Schemes (ZED, LEAN, MSE-CDP)

ZED certification, LEAN support and MSE-CDP cluster grants.

Scheme	Type of support	Status
PMEGP	Margin money subsidy for new micro enterprises	Approved to 31.03.2026; continuation under consideration
MUDRA (PMMY)	Collateral-free loans up to ₹20 lakh for micro enterprises (no subsidy component)	Ongoing
PMKSY	Grants for cold chain, food processing units, clusters, labs	Approved to 31.03.2026; continuation not yet confirmed; calls via EOIs
Agriculture Infrastructure Fund	3% interest subvention and credit guarantee for post-harvest infrastructure	Scheme period 2020-21 to 2032-33
CGTMSE	Credit guarantee for collateral-free MSE loans	Ongoing
ZED, LEAN and MSE-CDP	Certification subsidies and cluster grants from the Ministry of MSME	Scheme period to 31.03.2026; continuation not verified

Schemes that have lapsed are no longer listed here: PMFME (extension ended 30 September 2026) and Stand-Up India (sanction window ended 31 March 2025). If you applied under either, talk to us about pending claims or alternatives. When a scheme is between cycles, applications may still be accepted or banks may sanction loans with the subsidy component pending. We explain the risk clearly and structure the means of finance so the project does not depend on an unconfirmed subsidy.

Scheme terms change; verify on the official portal; last checked 2 Oct 2026. This page is general information for planning, not a guarantee of eligibility, sanction or disbursement. See our Terms of Use & Disclaimer.

Check which schemes may fit your project.

Tell us the sector, location and project cost. We map the central and UP schemes worth exploring and the conditions that decide eligibility.