Prime Minister's Employment Generation Programme
Credit-linked subsidy
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PMEGP Scheme Loans
Quick Reference for Your Business
Government subsidy for new micro-enterprises - everything you need to know about PMEGP Scheme Loans.
01
What It Is
For new micro-enterprises
Manufacturing or service
Implemented by
KVIC / KVIB / DIC; portal kviconline.gov.in/pmegpeportal
Part of the loan
Comes back as non-repayable margin-money subsidy
02
Key Facts & Subsidy
| Point | Details |
|---|---|
| Max project cost | Rs 50 lakh (manufacturing) - Rs 20 lakh (service) |
| Subsidy - general | 15% (urban) / 25% (rural) |
| Subsidy - special category | 25% (urban) / 35% (rural) - SC/ST/OBC/women/etc. |
| Own contribution | 10% general / 5% special category |
| Collateral | Free up to Rs 10 lakh (CGTMSE cover beyond) |
| Lock-in | 3 years; EDP training mandatory; Udyam needed |
Note: PMEGP is one of the best schemes for first-time entrepreneurs - a chunk of your loan is converted to subsidy you never repay. Eligibility hinges on it being a new unit, a sound project report, and the negative-list check. Successful units can later get a 2nd loan up to Rs 1 crore (manufacturing).
03
Why Clients Trust Filings Hub
A real, qualified Chartered Accountant
Not an agent - a CA who prepares the PMEGP project report and guides the application to sanction.
Bankable, honest numbers
Project reports and CMA data built on realistic figures lenders trust - not inflated projections.
The right scheme & lender
We match you to the correct scheme and lender so you do not waste time on rejections.
Clear updates in your language
Simple updates in Telugu and English - you always know where things stand.
End-to-end support
From documentation to sanction and post-loan compliance.