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Scheme Introduction / Overview
The Ministry of Micro, Small and Medium Enterprises (MoMSME), Government of India implements various schemes to support MSMEs in areas such as business establishment, credit access, technology upgradation, quality certification, market development, innovation, infrastructure, skill development and competitiveness.
The major MSME schemes include PMEGP, Credit Guarantee Scheme (CGTMSE), MSME Sustainable (ZED), MSME Competitive (LEAN), MSME Innovative, Procurement & Marketing Support, MSE-CDP, RAMP, International Cooperation and other sector-specific programmes.
Scheme Introduction / Overview
PMEGP is a credit-linked subsidy scheme designed to support the establishment of new micro enterprises and generate employment in rural and urban areas.
Eligibility Criteria
Eligible Industries / Businesses
Subsidy / Financial Assistance Details
PMEGP provides Margin Money Subsidy linked with bank finance:
| Category | Urban Area | Rural Area |
|---|---|---|
| General Category | 15% | 25% |
| Special Category | 25% | 35% |
Special categories include SC/ST/OBC, minorities, women, ex-servicemen, transgender persons, differently abled persons, NER, aspirational districts and certain notified areas.
Maximum Subsidy / Assistance
Key Benefits
Applicable Conditions
Scheme Introduction / Overview
The Credit Guarantee Scheme through CGTMSE facilitates collateral/third-party-guarantee-free credit support for eligible Micro and Small Enterprises by providing guarantee cover to member lending institutions.
Eligibility Criteria
Eligible Micro and Small Enterprises obtaining eligible credit facilities from participating banks/NBFCs/financial institutions may be covered, subject to CGTMSE guidelines.
Eligible Industries / Businesses
Subsidy / Financial Assistance Details
CGTMSE generally does not provide a cash subsidy directly to the entrepreneur. Instead, it provides a credit guarantee to the lender against eligible credit facilities.
Maximum Subsidy / Assistance
The guarantee limit and coverage percentage depend on the applicable CGTMSE guidelines, borrower category, loan amount, location and other conditions.
Key Benefits
Applicable Conditions
Scheme Introduction / Overview
The Zero Defect Zero Effect (ZED) initiative promotes manufacturing with improved quality, productivity, environmental performance and reduced defects/waste.
Eligibility Criteria
Primarily applicable to eligible MSMEs registered under the MSME framework.
Eligible Industries / Businesses
Manufacturing MSMEs across eligible sectors.
Subsidy / Financial Assistance Details
Government support is provided for eligible ZED certification and related interventions as per the prevailing ZED guidelines.
Maximum Subsidy / Assistance
The assistance depends on the certification level, testing/assessment and eligible interventions under the current guidelines.
Key Benefits
The MSME dashboard records ZED certification activity and is updated periodically by the Ministry.
Applicable Conditions
Scheme Introduction / Overview
The MSME Competitive (LEAN) Scheme supports MSMEs in adopting Lean Manufacturing principles to improve productivity, reduce wastage, optimize processes and improve competitiveness.
Eligibility Criteria
Eligible MSMEs registered under the MSME framework.
Eligible Industries / Businesses
Primarily manufacturing MSMEs and eligible enterprises participating under the LEAN programme.
Subsidy / Financial Assistance Details
Government assistance is provided for implementation of Lean interventions through the approved programme structure.
Maximum Subsidy / Assistance
Assistance depends on the applicable LEAN programme guidelines, intervention and implementation structure.
Key Benefits
Applicable Conditions
MSMEs must satisfy registration and participation requirements and implement the approved Lean interventions.
Scheme Introduction / Overview
The MSME Innovative component supports innovation and competitiveness through interventions related to Incubation, Design and Intellectual Property Rights (IPR). It forms part of the MSME Champions framework.
Eligibility Criteria
Eligible MSMEs, innovators and other entities meeting the requirements of the relevant component may participate.
Eligible Industries / Businesses
Subsidy / Financial Assistance Details
Support may be available for:
Maximum Subsidy / Assistance
The assistance ceiling varies according to the specific component and activity.
Key Benefits
Applicable Conditions
Support is subject to component-specific eligibility, approved institutions and prevailing MSME guidelines.
Scheme Introduction / Overview
MSE-CDP promotes the development of MSME clusters through common infrastructure and collective facilities.
Eligibility Criteria
Eligible MSME clusters, implementing agencies, State Governments, industry associations, SPVs and other approved entities may participate subject to scheme guidelines.
Eligible Industries / Businesses
Manufacturing and service clusters with common infrastructure or technology requirements.
Subsidy / Financial Assistance Details
Support may be provided for:
Maximum Subsidy / Assistance
The assistance ceiling varies according to the type and size of the approved cluster project.
The MSME dashboard reports CFC/Infrastructure Development projects under MSE-CDP.
Key Benefits
Applicable Conditions
Projects generally require an approved cluster approach, implementing entity/SPV and adherence to project appraisal and contribution requirements.
Scheme Introduction / Overview
The Procurement and Marketing Support Scheme supports MSMEs in improving market access, participation in exhibitions and fairs, vendor development and other marketing activities.
Eligibility Criteria
Eligible MSMEs with valid MSME registration and meeting the activity-specific conditions.
Eligible Industries / Businesses
Manufacturing and service MSMEs across eligible sectors.
Subsidy / Financial Assistance Details
Support may be available for eligible:
Maximum Subsidy / Assistance
The amount varies depending upon the specific activity, event, location and applicable guidelines.
Key Benefits
Applicable Conditions
Activities must be approved/eligible under the scheme and expenditure must comply with the applicable guidelines.
Scheme Introduction / Overview
RAMP is a World Bank-supported Central Sector programme designed to improve the overall MSME ecosystem, including access to finance, markets, technology, receivable financing and institutional capacity.
The programme has an approved outlay of approximately ₹6,062.45 crore and covers FY 2022–23 to FY 2026–27.
Eligibility Criteria
RAMP is primarily implemented through Central and State-level MSME institutions and programmes rather than operating as a conventional individual-enterprise subsidy.
Eligible Industries / Businesses
The programme benefits MSMEs through participating government programmes, institutions and interventions.
Subsidy / Financial Assistance Details
RAMP supports:
Maximum Subsidy / Assistance
There is no single RAMP subsidy amount per MSME. Assistance depends on the individual intervention/programme implemented under RAMP.
Key Benefits
Applicable Conditions
Participation and benefits depend on the specific RAMP initiative and implementing agency.
Scheme Introduction / Overview
The International Cooperation programme supports MSMEs in exploring international markets, participating in international exhibitions/delegations and developing export opportunities.
Eligibility Criteria
Eligible MSMEs and approved organizations may participate subject to the specific activity guidelines.
Eligible Industries / Businesses
Export-oriented and export-potential MSMEs across eligible sectors.
Subsidy / Financial Assistance Details
Assistance may cover eligible expenses connected with:
Maximum Subsidy / Assistance
The financial assistance varies according to the activity and applicable guidelines.
Key Benefits
Applicable Conditions
Participation must be through approved activities and comply with scheme guidelines.