Scheme for Margin Money Grant to Nano Units
Directorate of Industries and Commerce, Government of Kerala द्वारा
अपनी पात्रता जांचें
साइन अप करें और हम आपको बताएंगे कि आपका स्टार्टअप इस ग्रांट के लिए योग्य है या नहीं।
त्वरित उत्तर
A loan-linked scheme by the Government of Kerala providing margin money grants of up to ₹4 lakhs to Nano units in manufacturing, job work, and service activities.
इस सब्सिडी के बारे में
The Scheme for Margin Money Grant to Nano Units is a key initiative by the Directorate of Industries and Commerce, Government of Kerala, designed to invigorate the state's micro-enterprise sector. This loan-linked scheme provides crucial financial assistance to nascent Nano units operating across manufacturing, job work, and service activities that incorporate any form of value addition. The core objective is to reduce the financial burden on deserving entrepreneurs by providing a non-repayable margin money grant, thereby incentivizing the establishment and growth of small-scale enterprises within Kerala.
The program specifically targets new Nano proprietary enterprises, offering support for project costs up to ₹10 lakhs. This financial aid is instrumental in covering various essential components of a new business, including land development, building costs, plant and machinery, electrification, and critical preliminary and pre-operative expenses. By subsidizing a significant portion of the initial investment through a margin money grant, the scheme aims to de-risk the entrepreneurial journey for first-time founders and those with limited access to capital.
Beyond direct financial support, the scheme is structured to foster inclusive growth by offering enhanced benefits to special categories of applicants. Women, youth (aged 18-40), differently-abled persons, ex-servicemen, and individuals from SC/ST categories receive an additional grant, reflecting the government's commitment to equitable economic development. This targeted approach helps overcome traditional barriers to entry for underrepresented groups, promoting a more diverse and vibrant entrepreneurial ecosystem across Kerala. The scheme's long-term vision is to establish a robust network of self-reliant Nano enterprises, contributing significantly to local employment generation and economic prosperity.
पात्रता
देखें कि आप पात्र हैं या नहीं
पूरी पात्रता शर्तें — संस्था प्रकार, स्टेज, क्षेत्र, फाउंडर प्रोफ़ाइल और पंजीकरण आवश्यकताएं — साथ ही इस प्रोग्राम के लिए आपकी फ़िट। देखने के लिए साइन अप करें।
सब्सिडी प्रदाता
लाभ और फंडिंग
- राशि
- ₹3 लाख – ₹4 लाख
आपको क्या मिलेगा
The scheme offers a Margin Money Grant ranging from 30% to 40% of the total project cost, with a maximum grant limit of ₹4 lakhs per unit. For general category applicants, the grant covers 30% of the project cost, capped at ₹3 lakhs. Special categories, including women, youth (18-40 years), differently-abled persons, ex-servicemen, and SC/ST individuals, are eligible for a 40% grant, with a higher maximum limit of ₹4 lakhs. This grant directly reduces the required promoter's contribution, making it easier to secure project-linked loans from financial institutions. The assistance is disbursed by the bank on a pro-rata basis, ensuring aligned project progress.
- वितरण
- Milestone Based
- बूटस्ट्रैप अनुकूल
- हाँ
समयसीमा और प्रक्रिया
आवेदन
रोलिंग आधार पर
चयन प्रक्रिया
The selection process involves a two-tiered authority system. Initially, the respective Assistant District Industries Officers at the Taluk Industries Offices act as the recommending authority. They are responsible for forwarding the necessary Transaction Funding Request (TFR) to financial institutions, banks, Kerala Financial Corporation (KFC), or co-operative banks. Upon receiving a sanction letter with recommendations from the financial institution and verifying that the entrepreneur has remitted their required beneficiary contribution (via passbook verification), the Assistant District Industries Officer accepts the application. Subsequently, the application, along with the recommendation, is placed before the General Managers of the concerned District Industries Centres, who serve as the sanctioning authority for the assistance. This ensures a thorough review of both the financial viability and the entrepreneur's compliance with eligibility criteria before final approval and disbursement.
आवेदन प्रक्रिया
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Register Online
New users register on the official schemes portal of Kerala Directorate of Industries & Commerce.
आप - 2
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आवेदन कैसे करें
ड्राफ़्ट से वितरण तक चार चरण — हर चरण में एक कार्रवाई।
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शुरू करने से पहले प्रश्न देखें
इस कार्यक्रम के आवेदन फ़ॉर्म में पूछे जाने वाले सभी प्रश्न डाउनलोड करें, ताकि पोर्टल खोलने से पहले आप अपने उत्तर ऑफ़लाइन तैयार कर सकें।
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अपने दस्तावेज़ तैयार करें
चेकलिस्ट के हर दस्तावेज़ को एक ही फ़ोल्डर में तैयार रखें। दस्तावेज़ों की कमी आवेदन खारिज होने का सबसे बड़ा कारण है।
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आधिकारिक पोर्टल पर जमा करें
आधिकारिक आवेदन लिंक का उपयोग करें और अंतिम रूप से जमा करने से पहले सभी विवरण सत्यापित करें।
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फ़ॉलो अप करें
जमा करने के 5–7 दिन बाद प्राप्ति की पुष्टि और समीक्षा समयरेखा के बारे में पूछने के लिए संपर्क करें।
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
अक्सर पूछे जाने वाले प्रश्न
What is a 'Nano unit' under this scheme?
A Nano unit refers to new proprietary enterprises in manufacturing, food processing, job works, and service sectors that have any type of value addition, with project costs (fixed capital and working capital) up to ₹10 lakhs.
What is the maximum grant I can receive?
The maximum margin money grant is ₹4 lakhs for special category applicants (women, youth, PwD, ex-servicemen, SC/ST) and ₹3 lakhs for general category applicants.
Can I apply if I've received other government grants before?
No, units that have previously availed any grant assistance under schemes of the Government of India, Government of Kerala, or Local Self Government Department are not eligible.
What is the promoter's contribution required?
For general categories, a minimum promoter's contribution of 30% of the project cost is required. For special categories, the minimum promoter's contribution is 20%.
Is there an age limit for entrepreneurs?
While the scheme is open to all eligible entrepreneurs, youth entrepreneurs up to the age of 40 are given priority, and youth between 18 and 40 are eligible for additional grant benefits.
What types of costs does the project cost cover?
Project costs can include land and its development (up to 10%), building costs (up to 25%), plant & machinery, electrification, preliminary and pre-operative expenses (up to 10%), contingency allowance (up to 10%), and working capital (up to 40% or one working cycle, whichever is lower).
What happens if my unit stops working after receiving the grant?
Industrial units receiving assistance are obligated to remain working continuously for three years from the date of grant receipt. Failure to operate the unit as stipulated may lead to the assistance being recovered under the Kerala Revenue Recovery Act.
स्रोत
इस पेज की जानकारी आधिकारिक प्रोग्राम और प्रदाता स्रोतों से ली गई है।
