Subsidy
NABARD & SIDBI Programmes
NABARD and SIDBI are development finance institutions. For most enterprises their support reaches you through a bank, NBFC or fund that they refinance or invest in. SIDBI also lends directly to MSMEs and has its head office in Lucknow.
SIDBI programmes
Direct MSME loans
Machinery, project and working-capital finance. Rates and limits are decided case by case and are not published as a fixed schedule.
Green finance
Products for energy efficiency, renewable energy and cleaner production, including the Green Finance Scheme and the 4E end-to-end energy efficiency programme.
Micro Credit Card
Launched 25 May 2026: revolving credit of up to ₹5 lakh for Udyam-registered micro enterprises, with 75% guarantee cover and no mandatory primary security.
MoRE and co-lending
The Modernisation of Rural Enterprises programme supports cluster-based credit for units such as flour mills, oil expellers and jaggery units; a SIDBI-RRB co-lending platform serves semi-urban and rural MSMEs.
PRAYAAS
Credit to informal micro-entrepreneurs through partner institutions such as MFIs, NBFCs and fintechs.
Fund of Funds for startups
SIDBI manages the Fund of Funds for Startups and FoF 2.0, investing in SEBI-registered AIFs. See funding readiness.
Source: PIB on SIDBI initiatives (25.05.2026); SIDBI green finance; SIDBI PRAYAAS
NABARD
- NABARD refinances banks, cooperative banks and RRBs for agriculture, allied activities and rural non-farm enterprises, so most borrowers access NABARD support through their bank.
- It also runs development and promotional programmes for farmer producer organisations, rural enterprises and agri-infrastructure.
We could not verify NABARD's current programme terms from its website when this page was last checked, so we have not listed rates or limits. We confirm the current product with your bank or NABARD's regional office in Lucknow before relying on it.
How we help
We identify which product fits your project, prepare the proposal in the lender's format and line it up with any subsidy you are claiming, so the loan and the incentive support each other. Start with a free eligibility check.
Sources
Scheme terms change; verify on the official portal; last checked 4 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.