Government-backed loan schemes help millions of Indians achieve their dreams—whether it’s starting a business, pursuing education, or owning a home. In 2025, these schemes are more digital, inclusive, and fast than ever.
Here are the most impactful loan schemes backed by the Government of India, explained simply by Vizzve Finance.
Top 7 Government Loan Schemes in India (2025)
✅ 1. PM MUDRA Yojana (Micro Units Development & Refinance Agency)
For small businesses, startups, street vendors
Categories: Shishu (up to ₹50,000), Kishor (₹50,000–₹5 lakh), Tarun (₹5–10 lakh)
No collateral required
Offered through banks, NBFCs, and MFIs
✅ 2. Stand-Up India Scheme
For SC/ST or women entrepreneurs
Loan: ₹10 lakh to ₹1 crore for starting a business
Bank and NBFC support
2025 update: Easier digital onboarding
✅ 3. PMEGP (Prime Minister’s Employment Generation Programme)
For individuals to set up manufacturing or service units
Loan up to ₹25 lakh with subsidy of up to 35%
Run by KVIC (Khadi and Village Industries Commission)
✅ 4. Education Loan Interest Subsidy Scheme
Offered for economically weaker students
Covers interest during moratorium period (course duration + 1 year)
Applicable for Indian institutions only
Must have annual family income below ₹4.5 lakh
✅ 5. PMAY – CLSS (Pradhan Mantri Awas Yojana – Credit Linked Subsidy)
Home loan interest subsidy for:
EWS (Economically Weaker Section)
LIG (Low Income Group)
MIG I & II (Middle Income Groups)
Subsidy up to ₹2.67 lakh
✅ 6. Agriculture Infrastructure Fund (AIF)
For farmers, FPOs, agri startups
Loan for setting up warehouses, cold storage, irrigation, processing units
Interest subvention + credit guarantee
✅ 7. Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE)
Credit guarantee up to ₹5 crore for MSMEs
Helps businesses get loans without collateral
Widely used by startups, local traders
Comparison Table – Government Loan Schemes (2025)
| Scheme | Target Group | Loan Amount | Subsidy/Guarantee |
|---|---|---|---|
| MUDRA | Small businesses | Up to ₹10 lakh | No collateral |
| Stand-Up India | Women, SC/ST founders | ₹10L–₹1 crore | Collateral-free |
| PMEGP | Entrepreneurs | Up to ₹25 lakh | 15–35% subsidy |
| Edu Loan Subsidy | Students (EWS) | Up to ₹10 lakh | Interest subsidy |
| PMAY-CLSS | Home buyers | ₹6L–₹25L | ₹2.67L subsidy |
| AIF | Farmers, FPOs | Project-based | Interest subvention |
| CGTMSE | MSMEs, Traders | Up to ₹5 crore | Full credit guarantee |
How Vizzve Finance Helps You:
🔎 Explore eligible loan schemes
✍️ Help in applying for subsidies or interest benefits
🧮 Loan comparison & EMI planning
📊 Assistance with digital onboarding
FAQs –
Q1. Can I apply for multiple government loan schemes?
Yes, as long as eligibility differs and there’s no overlap in subsidy benefits.
Q2. Are these loans available online?
Most are now available through digital portals like Vizzve, JanSamarth, PMEGP, StandUpMitra.
Q3. What if I’m new to credit?
Schemes like MUDRA and CGTMSE cater to first-time borrowers and new entrepreneurs.
Vizzve Tip:
💬 “Government loans aren’t just for the poor—they’re for the prepared. Know your eligibility and apply smart with Vizzve.”
Published on : 22nd July
Published by : SMITA
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