Ministry of MSME

काम के अनुसार योजना चुनें

ये योजनाएँ आपस में बदली नहीं जा सकतीं, और उनमें से अधिकांश प्री-रेवेन्यू स्टार्टअप्स के लिए नहीं हैं। पहले अपनी स्थिति मिलाएँ:

• नया सूक्ष्म उद्यम शुरू करना और subsidy के साथ बैंक ऋण चाहिए: PMEGP।
• पहले से Udyam पर पंजीकृत हैं और सब्सिडी वाला गुणवत्ता प्रमाणन चाहिए: ZED प्रमाणन।
• बिना गारंटी का ऋण चाहिए: किसी पंजीकृत ऋणदाता से CGTMSE guarantee के बारे में पूछें। आप CGTMSE के लिए स्वयं आवेदन नहीं करते।
• नया या सुधरा उत्पाद design करवाना चाहने वाला विनिर्माता: Innovative Scheme का Design घटक।
• patent, trademark, design या GI दर्ज कराया है, या दर्ज कराना चाहते हैं: IPR घटक।
• प्रोटोटाइप के लिए विचार वाला व्यक्ति: MSME Idea Hackathon, जब कोई राउंड खुला हो।
• भुगतान की समस्या, शिकायत, या यह न पता हो कि कौन-सी योजना फिट है: MSME Champions पोर्टल।

आवेदन कैसे काम करते हैं

लगभग सब कुछ मंत्रालय से नहीं, बल्कि एक पोर्टल से शुरू होता है। PMEGP केवल ऑनलाइन है और Aadhaar चाहिए। ZED पंजीकरण निःशुल्क है, और ZED साइट चेतावनी देती है कि पंजीकरण के लिए कोई सलाहकार शुल्क नहीं ले सकता। hackathon के विचार incubation पोर्टल से उस Host Institute तक जाते हैं जो आप चुनते हैं। CGTMSE कवर आपका ऋणदाता माँगता है, ऋण स्वीकृत होने के बाद।

पहले Udyam पंजीकरण लें। ZED, Design और IPR घटक, और hackathon की MSME श्रेणी, सभी इसे माँगते हैं।

PMEGP के लिए आवेदन से पहले

• जाँचें कि योजना अभी आवेदन ले रही है। प्रकाशित दिशानिर्देश 2025-26 तक की अवधि कवर करते हैं।
• प्रति परिवार केवल एक व्यक्ति आवेदन कर सकता है, और इकाई नई होनी चाहिए।
• अगर आपके पास प्रशिक्षण नहीं है तो entrepreneurship development training की योजना बनाएँ। यह पूरा होने तक subsidy जारी नहीं होती।
• subsidy बैंक के माध्यम से, lock-in अवधि के बाद मिलती है, इसलिए पहले ऐसा बैंक तय करें जो आपकी परियोजना को ऋण देगा।

चयन कैसे होता है

Design घटक Implementing Agency से Project Assessment Panel और फिर मंत्रालय की approval committee तक जाता है। hackathon के विचार Host Institute panel, मंत्रालय की screening, एक Domain Expert Selection Committee और अंतिम स्वीकृति से गुज़रते हैं। IPR दावों की मंत्रालय की स्वीकृति से पहले IP Facilitation Centre द्वारा जाँच होती है।

क्या मदद करता है

• hackathon के लिए स्पष्ट, बनाने योग्य विचार। निर्देश कहते हैं कि विचार एक कार्यशील prototype, model, proof of concept या उत्पाद तक ले जाना चाहिए, और एक विचार एक Host Institute को जाता है।
• मेल खाते दस्तावेज़। hackathon आयु प्रमाण के रूप में सरकारी ID माँगता है। IPR घटक के लिए वैध Udyam पंजीकरण और इस घोषणा की ज़रूरत है कि उसी दर्ज कराने के लिए कोई अन्य फंडिंग नहीं ली गई।
• ईमानदार श्रेणी। hackathon फॉर्म पर MSME, student या others में वही चुनें जो आप दस्तावेज़ों से साबित कर सकें।

सावधान रहें

• जहाँ दो आधिकारिक पेज असहमत हों, वहाँ मंत्रालय का अपना addendum या नवीनतम निर्देश मान्य होने चाहिए। उदाहरण के लिए, ZED subsidy पेज और उसके 2023 addendum महिला-स्वामित्व वाले MSMEs के लिए अलग हैं।
• ऐसे किसी भी व्यक्ति से सावधान रहें जो शुल्क लेकर आपकी ओर से आवेदन करने की पेशकश करे। ZED साइट कहती है कि पंजीकरण निःशुल्क है और इसके लिए कोई एजेंसी शुल्क नहीं ले सकती।

The Ministry of Micro, Small and Medium Enterprises (Ministry of MSME) is the Government of India ministry for the MSME sector. It does not run one programme. It runs a set of central schemes, each with its own portal and its own route in: a credit-linked subsidy for new enterprises, a quality certification, a credit guarantee for collateral-free loans, design and IP support, an idea hackathon and a grievance portal. The Ministry's office is in New Delhi.

This page covers the schemes a founder or first-time entrepreneur can approach directly. The Ministry runs more, including capital subsidy, lean manufacturing, coir, khadi and artisan schemes, which have their own programme pages in our directory.

How the schemes work

Most Ministry schemes are delivered through an agency. PMEGP is run by the Khadi and Village Industries Commission (KVIC), ZED with the Quality Council of India, and the credit guarantee by CGTMSE, a trust set up jointly by the Ministry and SIDBI. The design and IP parts of the Innovative Scheme go through Implementing Agencies and IP Facilitation Centres, and the hackathon through approved Host Institutes. So the first step is usually the portal or the lender that fronts the scheme. Most routes are open all year. The hackathon runs in numbered rounds.

PMEGP

The Prime Minister's Employment Generation Programme is a credit-linked subsidy. It was launched by the Ministry in 2008-09 to create jobs in rural and urban India. The bank funds the balance of the project cost. The subsidy is routed through KVIC and a nodal bank to the financing branch, and it is credited to the beneficiary after a lock-in period.

Any individual above 18 can apply, with no income ceiling, and only one person per family (self and spouse count as one family). Projects must be new, with capital expenditure, and units that have already taken a government subsidy are not eligible. Larger projects need at least an 8th-standard pass. Applicants from special categories, including SC, ST, OBC, minorities, women, ex-servicemen, transgender and differently-abled applicants, and those in the north-eastern region, aspirational districts, and hill and border areas, get a higher subsidy and put in less of their own money. Applicants without prior training must complete an entrepreneurship development programme before the subsidy is released.

Applications are online only, on the PMEGP portal run by KVIC. Aadhaar is mandatory. After final submission an application ID is issued, and the application is forwarded to the implementing agency you chose and then to a bank branch for the loan. The published guidelines are the 2022 version, which approve the scheme for the period up to 2025-26. No page we found confirms the period after that, so check the portal for the current position before you start.

ZED certification

MSME Sustainable (ZED) Certification, short for Zero Defect Zero Effect, is open to all MSMEs registered on the Udyam portal. Registration on the ZED portal is free and paperless, and the site warns that no agency or consultant may charge for registration. You register, take the ZED Pledge, and then apply for one of three levels: Bronze, Silver or Gold. The Ministry subsidises the cost of certification, at a rate that depends on the size of the enterprise, with extra support for some groups.

The subsidy page on the ZED site still describes an additional benefit for women-, SC- and ST-owned MSMEs. A separate addendum on the same site, effective 11 November 2023, says women-owned MSMEs get a full subsidy on the certification cost and that the additional benefits no longer apply to them. Read both before relying on either. The Ministry's page says the scheme is for manufacturing MSMEs first, with services to follow. Each unit under one Udyam registration applies for certification separately.

The ZED dashboard shows counters for certified units: 747,751 Bronze, 9,745 Silver and 5,760 Gold when we checked. These are the Ministry's own undated figures.

CGTMSE credit guarantee

The Credit Guarantee Scheme for Micro and Small Enterprises is not a grant. CGTMSE guarantees collateral-free loans that a registered lender gives to a micro or small enterprise. You do not apply to CGTMSE. You ask a registered lender, such as a bank, NBFC or financial institution, for a term loan or working capital. The lender appraises and sanctions the loan, then lodges the guarantee application and CGTMSE issues the cover. Guarantee cover is higher for women entrepreneurs, SC and ST borrowers, persons with disability, aspirational districts and ZED-certified enterprises.

CGTMSE reports 1.41 crore cumulative guarantees approved and 322 registered lending institutions, as of 31 March 2026. These are its own figures.

MSME Innovative Scheme

The Innovative Scheme combines the Ministry's earlier Incubation, Design and IPR schemes into one scheme. Our directory lists its parts separately because each has a different applicant and route.

The Design component helps a manufacturing MSME hire a design consultant for a new product or an improvement to an existing one. The MSME applies online through an Implementing Agency. The agency screens the application, a Project Assessment Panel reviews it, and the Ministry's approval committee decides. The government share of the project cost is higher for micro enterprises than for small and medium ones, and the MSME pays the rest. A separate track lets students from AICTE or UGC accredited institutions work on a design project with an MSME.

The IPR component reimburses the cost of filing patents, trademarks, designs and Geographical Indications. The applicant needs a valid Udyam registration and must declare that no other central or state funding was claimed for the same filing. Partnership firms must show ownership of at least 51 per cent of the enterprise. The claim goes through the scheme portal and is checked by an IP Facilitation Centre before it reaches the Ministry.

The guidelines also describe incubation support through Host Institutes, equipment support for those institutes, and seed capital in equity form for beneficiaries who want to commercialise an idea, design or patent.

MSME Idea Hackathon

The hackathon is the incubation part of the Innovative Scheme and the route for an individual with an idea. Selected ideas are developed into a working prototype, model or proof of concept at a Host Institute that the applicant chooses. Financial assistance goes to the Host Institute for developing the idea. Applicants who are not students bear a share of the approved cost, and students pay nothing.

The rounds so far are the 2022 round, then 2.0 (theme based), 3.0 (women), 4.0 (youth) and 5.0, with 257, 276, 397, 488 and 502 approved ideas listed in that order. Round 6.0 is closed and its ideas are under evaluation. No next round has been announced. You apply on the Ministry's incubation portal, choose an approved Host Institute and submit one idea to one institute. The portal describes applicants as innovators of Indian origin, while the participation instructions describe Indian citizens aged 18 or above.

MSME Champions

The Champions portal is a help desk, not funding. An MSME can register a grievance, ask for guidance on schemes, or report a delayed payment. The portal says it works in eleven regional languages through 69 state control rooms.