Government Loan Schemes

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Govt. Sponsored Schemes - Loans

Business Loan
Agri Loan - Kisan Credit Card
Agri Infrastructure
Livelihood Loan

PM SVANidhi

Central Scheme managed by Ministry of Housing & Urban Affairs (MOHUA)
Objective of the scheme is to provide easy working capital assistance to Street Vendors to protect their livelihood & grab new opportunities.
Street vendors who were engaged in vending in Urban areas on or before March'2020 are eligible under the scheme. Certificate of Vending / Vending card /Provisional Certificate of Vending or Letter is the eligible document (Issued by Local ULB)
The Initial working capital loan is up to `10,000/- for a tenure of one year. Interest subsidy on timely/ early repayment @ 7%. Higher loan eligibility on timely repayment of the first loan.

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PM Vishwakarma

PM Vishwakarma is a Central Sector Scheme launched by Ministry of Micro, Small and Medium Enterprises to provide holistic and end-to-end support to artisans and craftspeople.
The Scheme covers artisans and craftspeople engaged in 18 trades
Objective is to provide access to collateral free credit, skill training, modern tools, incentive for digital transactions and market linkage support.
Loan Limits up to Rs.300000 in two tranches of Rs. 1,00,000/- and Rs.2,00,000/- with tenure of 18 months and 30 months

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PMMY (Pradhan Mantri Mudra Yojana)

Pradhan Mantri Mudra Yojana (PMMY) is a scheme set up by the Government of India (GoI) through MUDRA (a subsidiary of SIDBI) that helps in facilitating micro credit up to Rs. 10 lakh to small business owners.
Launched on 8th April, 2015 to extend credit to mainly non-farm enterprises in manufacturing, trading and services whose credit needs is below Rs. 10 Lakhs. Mudra Loan is collateral free.
Categories: Initial schemes included under Shishu: Loans upto Rs. 50K, Kishore: Loans from 50K - 5 lakhs and Tarun: Loans from 5 – 10 lakhs, Tarun Plus: 10 -20 lakhs .Tarun Plus is for those entrepreneurs who have availed and successfully repaid previous loan under Tarun category .
Eligibility: The business should be either of Small manufacturing enterprise, Shopkeepers, etc.

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PMEGP

Prime Minister's Employment Generation Programme (PMEGP) is a credit linked subsidy programme administered by the Ministry of Micro, Small and Medium Enterprises, Government of India. Khadi & Village Industries Commission (KVIC), is the nodal agency at national level for implementation of the scheme.
The objective of this scheme is:
- To generate employment opportunities in rural as well as urban areas of the country through setting up of new self-employment ventures/projects/micro enterprises.
- To bring together widely dispersed traditional artisans/ rural and urban unemployed youth and give them self-employment opportunities to the extent possible, at their place
- To provide continuous and sustainable employment to a large segment of traditional and prospective artisans and rural and urban unemployed youth in the country, to help arrest migration of rural youth to urban areas.
- To increase the wage-earning capacity of artisans and contribute to an increase in the growth rate of rural and urban employment.
Project cost Rs.25.00 lakhs for manufacturing unit and Rs.10.00 lakhs for Service Unit

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KCC Crop loans

Kisan Credit Card (KCC) scheme meets the financial requirements of farmers at various stages of farming. The scheme aims at providing adequate and timely credit support from the banking system under a single window with flexible and simplified procedure to the farmers for their cultivation and other needs as indicated below:
To meet the short-term credit requirements for cultivation of crops, post-harvest expenses, consumption requirements of farmer household;
The farmers eligible under the KCC scheme include small farmers, marginal farmers, share croppers, oral lessee and tenant farmers.

Application link

KCC Fisheries

To provide adequate and timely credit support under a single window to the farmers for activities related to Animal Husbandry and Fisheries.

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Agricultural Infrastructure Fund (AIF) - (Ministry of Agriculture & Farmers Welfare)

Scheme incentivizes investment in viable projects relating to post-harvest management Infrastructure and community farming assets through incentives and financial support.
Government Benefits:
3% Interest Subvention
CGTMSE upto 2 cr for 7 years

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PM Formalization of Micro Food Processing Enterprises (PMFME) - (Min. of Food Processing)

Support to both existing and new micro food processing enterprises for expansion/upgradation of existing micro food enterprises
The Scheme adopts One District One Product (ODOP) approach to reap the benefit of scale in terms of procurement of inputs, availing common services and marketing of products.
Government Benefits:
Capital Subsidy @ 35% of Project Cose ; max 10 L.+ Convergence with AIF ' 3% Int Subvention.

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Agricultural Marketing Infrastructure (AMI) - (Min. of Agriculture & Farmers Welfare)

Developing and upgrading Infra in Gramin Haats as GrAMs through strengthening of infrastructure there for, which may function as farmer-consumer market (retails market) and collection/aggregation points (spokes) with linkage to secondary market (hub).creation of storage infrastructure (Capacity 50 - 5000 MTs) and Non- storage infrastructure:
Government Benefits:
Capital Subsidy @ 25% - 33% with maximum 30 L+ Convergence with AIF for 3%

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Agri Clinics and Agri Business Centre (ACABC) (Min. of Agriculture & Farmers Welfare)

This programme aims to tap the expertise available in the large pool of Agriculture Graduates. They can set up AgriClinic or AgriBusiness Centre and offer professional extension services to innumerable farmers. Government is providing start-up training to graduates in Agriculture, or any subject allied to Agriculture like Horticulture, Sericulture, Veterinary Sciences, Forestry, Dairy, Poultry Farming, and Fisheries, etc. Those completing the training can apply for special start-up loans for venture.
Government Benefits:
Capital subsidy @ 36% (Gen Cat)-44% (SC-ST; NE & Hill state) CGFMU

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National Rural Livelihood Mission (NRLM) - (Ministry of Rural Development)

The DAY-NRLM is the flagship program of Government of India for promoting poverty reduction through building strong institutions of the poor, particularly women, and enabling these institutions to access a range of financial services and livelihoods. (SHG=10-20 members)
Panchsutras: Meeting; Saving; Inter-loaning, TImely repmt; Book of a/c----for 6 mth
Minimum Loan Cash Carry Limit (CCL)- 6 Lakhs for Tenor 3 years; DP: 1st Year- 1.50 L; 2nd Year- 3 L; 3rd Year- 6 L
Term Loan: Doses as above
Government Benefits:
Loan Upto 3 L: ROI =7%; + 4.5% Int Subvention to Bank on o/s cr bal upto 3 L
Loan 3 L- 5 L : ROI =Lower of 1 Yr MCLR or 10% ; + 5.0 % Int Subvention to Bank on o/s cr bal upto 5 L
Loan above 5L : No subvention (ROI will be 12.5% & Above)
Guarantee cover like CGFMU etc available

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National Urban Livelihood Mission (NULM) - (Ministry of Housing & Urban Affairs)

To reduce poverty and vulnerability of the urban poor households by enabling them to access gainful self employment and skilled wage employment opportunities,resulting in an appreciable improvement in their livelihoods on a sustainable basis,through building strong grassroots level institutions of the poor.
Government Benefits:
Int Subsidy on ROI above 7% (On timely repayment Addl 3% to WSHGs)
Guarantee cover like CGTMSE , CGFMU etc available

Rates Offered to Customer During the Period of Oct 2025 to Dec 2025

Product	Min IRR	Max IRR	Avg IRR
GOVERNMENT SPONSORED LOAN	4.99%	21.5%	13.25%

Annual Percentage Rate Offered To Customer During Of Oct 2025 to Dec 2025

Product	Min APR	Max APR	Avg APR
GOVERNMENT SPONSORED LOAN	5.50%	24.00%	14.75%

Disclaimer: Terms and conditions apply. Government Sponsored Scheme loan approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirements. Interest rates are subject to change. Please check with your RM or the closest bank branch for current interest rates.

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Features

Collateral-Free Loans: Initiatives to offer loans without the need for collateral, making credit accessible to first-time borrowers.
Flexible Loan Amounts: Loans range from ₹10,000 to ₹2 crore depending on the scheme and business needs.
Sector-Specific Support: Schemes target diverse sectors including agriculture, manufacturing, services, and startups.
Digital Accessibility: Many schemes are integrated with online portals for easy application and tracking.

Benefits

Promotes Entrepreneurship: Encourages self-employment and business creation
Boosts Economic Growth: Supports MSMEs which contribute significantly to GDP and employment.
Supports Skill Development: Schemes like PMEGP and PM Vishwakarma combine financial aid with training, enhancing employability.

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