Debt Programs for Indian Startups

Microloans up to ₹5 lakh at 6% interest for Scheduled Caste individuals and Self-Help Groups in Gujarat for self-employment and small-scale businesses.

Low-interest loan of up to ₹5,00,000 at 5% a year for unemployed, professionally educated Thakor and Koli youth in Gujarat who want to start their own business.

Educated, unemployed SEBC youth in Gujarat can get a loan of up to ₹5 lakh at 6% interest to start their own professional practice or business.

This scheme by GTKVN offers subsidized loans up to ₹4 lakh for youth from the Thakor and Koli communities in Gujarat to purchase commercial vehicles for self-employment.

A loan of up to ₹3.30 lakh per hectare for Tamil Nadu farmers to set up or expand inland fishing, at 11% to 12% interest.

A Central Sector Scheme providing holistic support including collateral-free credit, skill training, modern tools, digital transaction incentives, and market linkage to artisans and craftspeople.

Interest-free loan scheme of the Government of Sikkim for unemployed youth aged 22-35 to start self-employment ventures in business, service and industrial activities.

A scheme by the Government of Arunachal Pradesh offering zero-interest crop loans up to ₹3 lakh to farmers, achieved through interest subvention and timely repayment incentives for agricultural development.

A DSFDC loan for SC, ST, OBC, Minority and disabled residents of Delhi: up to ₹3,00,000 for SC applicants and up to ₹1,00,000 for the others, for self-employment.

Persons with disabilities in Haryana can get a loan of up to ₹3 lakh to build or improve business premises and start self-employment.

A Delhi government scheme offering loans up to ₹3 lakh and a 15% subsidy for unemployed youth, artisans, and entrepreneurs to establish or expand small enterprises in Delhi.

Financial assistance through loans for Khadi & Village Industries (KVI) institutions to purchase new mobile sales vans for product sales and raw material transport in Puducherry.

A term loan scheme by the Government of Maharashtra and NSFDC for economically disadvantaged members of the Charmakar community to support their businesses, particularly in footwear and leather goods production.

Provides financial assistance to farmers in Tamil Nadu through jewel loans, with amounts up to ₹2 lakh at an interest rate of 11.5%.

This Tamil Nadu government scheme provides financial support to farmers through loans ranging from ₹25,000 to ₹2,00,000 for various horticultural activities.

A loan scheme by the Department of Handicraft & Handloom, J&K, providing financial assistance up to ₹2 lakh to registered artisans and weavers for investment and working capital needs.

Loans up to ₹2 lakh at 11% to 12.5% interest for farmers in Tamil Nadu moving into handloom and other non-farm activities, from the Primary Cooperative Agriculture and Rural Development Bank.

Gujarat Gopalak Vikas Nigam gives women of the Rabari and Bharwad communities 100% loan support up to ₹2.00 lakh at 5% interest for self-employment.

Uttarakhand scheme for Scheduled Tribe individuals: a bank loan, margin money and a grant of up to ₹50,000 to set up a self-employment unit costing ₹50,000 to ₹2,00,000.

Women from backward classes can get a loan of up to ₹2 lakh at 5% interest per year for self-employment, with no own contribution needed for projects up to ₹2,00,000.

A Karnataka government scheme offering financial assistance, including a loan and a 50% subsidy, to eligible minority sericulture reelers and spinning workers.

HSFDC–NSKFDC loan for Safai Karamcharis and dependents in Haryana to start an e-rickshaw or CNG auto business: up to ₹2 lakh at 6% a year over 60 months, plus a subsidy of up to ₹50,000 for eligible SC families.