PMEGP is a government-backed credit-linked subsidy scheme aimed at generating employment by promoting self-employment through micro-enterprises in rural and urban areas.
PMEGP is a government-backed credit-linked subsidy scheme aimed at generating employment by promoting self-employment through micro-enterprises in rural and urban areas.
Eligible Sectors:
Manufacturing
Service
Trading (limited to certain activities)
Loan Amount & Subsidy:
Urban Areas:
General Category: Up to ₹10 lakh (25% subsidy)
Special Categories (SC/ST/OBC/Women/PH/Minorities): Up to ₹10 lakh (35% subsidy)
Rural Areas:
General Category: Up to ₹10 lakh (25% subsidy)
Special Categories: Up to ₹10 lakh (35% subsidy)
Repayment Period:
3 to 7 years (including a moratorium period of 6-18 months).
Interest Rate:
Decided by the bank (varies between 11-12% p.a.).
Eligibility Criteria:
Age: Minimum 18 years, no upper limit.
Educational Qualification: Minimum 8th pass (preference for higher qualifications).
No income ceiling for beneficiaries.
Collateral Requirement:
No collateral for loans up to ₹10 lakh (covered under Credit Guarantee Fund Scheme).
Application Process:
Apply online via KVIC (Khadi and Village Industries Commission) website (https://www.kviconline.gov.in).
Submit project proposal along with required documents.
Documents Required:
Aadhaar Card
Caste Certificate (if applicable)
Project Report
Bank Account Details
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Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.
Purpose: General use (debt consolidation, home improvements, etc.).
Amount: 1,000–100,000 (varies by lender).
Term: 1–7 years.
Interest Rate: 6%–36% (based on credit score).
Purpose: Combine multiple debts into one loan with a lower interest rate.
Key Benefit: Simplifies payments, may reduce overall interest.
Purpose: Help individuals with no/bad credit build or improve credit.
How It Works: Lender holds funds in an account while borrower makes payments, reported to credit bureaus.
Purpose: Finance wedding expenses.
Features: Fixed repayment terms, often unsecured.
Need Cash Fast? Pick Your Amount, Enjoy Low Rates & Repay Your Way!
Any salaried, self-employed or professional Public and Privat companies, Government sector employees including Public Sector is eligible for a personal loan.
Maximum age of applicant at loan maturity: 60 years
Minimum Net Monthly Income: Rs 15,000
Applicant should have the bank specified credit score.
If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.
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