UP Land Use Conversion Charge Waiverby Government of Uttar PradeshVariesClosesरोलिंग / खुलाResults79dEligibilityFund TypeSupport Typeकार्यक्रम विवरणA concession offering a 75% waiver on land use conversion charges for developers establishing eligible Truckers Parks under the New UP Warehousing & Logistics Policy 2022.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Rajasthan Electricity Duty Exemption (Logistics)by Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults85dEligibilityFund TypeSupport Typeकार्यक्रम विवरणClaim 100% exemption from electricity duty for 7 years for eligible logistics infrastructure businesses in Rajasthan under the Rajasthan Investment Promotion Scheme 2024.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंवीडियो क्रिएशन परवीडियो क्रिएशन पर54% OFF
UP Truckers Park Development Charge Exemptionby Government of Uttar PradeshVariesClosesरोलिंग / खुलाResults85dEligibilityFund TypeSupport Typeकार्यक्रम विवरणReceive a 75% exemption on development charges for establishing or expanding eligible Truckers Parks under the New UP Warehousing & Logistics Policy 2022.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Power Tariff Reimbursement Odishaby Industries Department, Government of OdishaVariesClosesरोलिंग / खुलाResults41dEligibilityFund TypeSupport Typeकार्यक्रम विवरणNew industrial units in Odisha's Priority Sectors can claim reimbursement of ₹2.00 per unit for power consumed for 7 years.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट
UP Stamp Duty Exemption (IT City)by Government of Uttar PradeshVariesClosesरोलिंग / खुलाResults72dEligibilityFund TypeSupport Typeकार्यक्रम विवरणDevelopers or consortiums establishing an IT City in Uttar Pradesh can claim 100% exemption on stamp duty for the purchase or lease of land.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूलोन ₹2 Cr तकबिज़नेस लोन ₹2 Cr तक
Odisha Renewable Energy Surcharge Exemption for Priority Sectorsby Industries Department, Government of OdishaVariesClosesरोलिंग / खुलाResults79dEligibilityFund TypeSupport Typeकार्यक्रम विवरणPriority Sector units buying renewable power in Odisha get 100% of surcharges and transmission charges waived for 7 years.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Punjab SGST Reimbursement 2022by Department of Industries & Commerce, Government of PunjabVariesClosesरोलिंग / खुलाResults77dEligibilityFund TypeSupport Typeकार्यक्रम विवरणPunjab reimburses 100% of net SGST for 15 years from commercial production, capped at 200% of fixed capital investment.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
RIPS 2024 MSME Consent Fee Waiverby Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults73dEligibilityFund TypeSupport Typeकार्यक्रम विवरणGreen-rated MSMEs in Rajasthan pay half the pollution control board consent fee under the RIPS 2024 green incentives.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंएजेंट और ऑटोमेशन परएजेंट और ऑटोमेशन पर50% OFF
J&K GST Linked Incentive (GSTLI)by Industries & Commerce Department, Government of Jammu & KashmirVariesClosesरोलिंग / खुलाResults78dEligibilityFund TypeSupport Typeकार्यक्रम विवरणReimbursement of 100% of gross GST paid for up to 10 years, capped at 300% of the unit's investment in plant & machinery.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
RIPS 2024 MSME Green Loan Subventionby Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults70dEligibilityFund TypeSupport Typeकार्यक्रम विवरणMSMEs in Rajasthan get 6% interest subvention on loans taken for activities covered under SIDBI's Green Finance Scheme.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट
J&K Net SGST Reimbursementby Industries & Commerce Department, Government of Jammu & KashmirVariesClosesरोलिंग / खुलाResults42dEligibilityFund TypeSupport Typeकार्यक्रम विवरण100% reimbursement of net SGST for 10 years from 1 April 2021 for industrial units in Jammu & Kashmir.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंलोन ₹2 Cr तकबिज़नेस लोन ₹2 Cr तक
RIPS 2024 Environment Project Refundby Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults79dEligibilityFund TypeSupport Typeकार्यक्रम विवरणEnterprises in Rajasthan undertaking environmental projects are reimbursed 50% of the cost under the RIPS 2024 general green incentives.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Mizoram Machinery Transport Subsidyby Department of Commerce and Industries, Government of MizoramVariesClosesरोलिंग / खुलाResults66dEligibilityFund TypeSupport Typeकार्यक्रम विवरणMizoram reimburses 50% of the actual cost of transporting plant and machinery to a new MSME unit, by rail, road or both.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Mizoram MSE Tender Fee Exemptionby Department of Commerce and Industries, Government of MizoramVariesClosesरोलिंग / खुलाResults51dEligibilityFund TypeSupport Typeकार्यक्रम विवरणLocal Micro and Small Enterprises in Mizoram are exempted from paying tender fees on state tenders.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंवाइब कोडिंग परवाइब कोडिंग पर50% OFF
SC/ST Stall Subsidy: Domestic Fairsby National SC-ST HubVariesClosesरोलिंग / खुलाResults68dEligibilityFund TypeSupport Typeकार्यक्रम विवरण100% subsidy on built-up stall charges for the minimum stall size at domestic exhibitions and trade fairs.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Mizoram MSE EMD Exemptionby Department of Commerce and Industries, Government of MizoramVariesClosesरोलिंग / खुलाResults30dEligibilityFund TypeSupport Typeकार्यक्रम विवरणLocal Micro and Small Enterprises in Mizoram are exempted from paying Earnest Money Deposits on state tenders.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट
UNNATI Capital Interest Subventionby Department for Promotion of Industry and Internal Trade (DPIIT)VariesClosesरोलिंग / खुलाResults51dEligibilityFund TypeSupport Typeकार्यक्रम विवरण3-5% annual interest subvention for up to 7 years on term loans taken by North East units.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंलोन ₹2 Cr तकबिज़नेस लोन ₹2 Cr तक
Tripura CGTMSE Fee Subsidyby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults59dEligibilityFund TypeSupport Typeकार्यक्रम विवरण100% reimbursement of CGTMSE one-time guarantee fees and yearly service fees for micro and small enterprises in Tripura.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Tripura State Transport Subsidyby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults86dEligibilityFund TypeSupport Typeकार्यक्रम विवरण50% reimbursement of transport cost of secondary raw materials and packaging raw materials on the railway standard parcel rate.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
AP Early Bird Investment Subsidy for Large Industries (IDP 4.0)by Department of Industries & Commerce, Government of Andhra PradeshUp to ₹2000CrClosesरोलिंग / खुलाResults42dEligibilityFund TypeSupport Typeकार्यक्रम विवरणGeneral sub-large to ultra mega enterprises with FCI above ₹50 Crore get up to 40% investment subsidy, capped at ₹2,000 Crores.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूAI साइट बिल्डर परAI साइट बिल्डर पर50% OFF
Tripura Certification Reimbursementby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults66dEligibilityFund TypeSupport Typeकार्यक्रम विवरणTripura fully reimburses fees for standard certifications and their renewal in 12 selected areas, plus a one-time full reimbursement of recognised technology-transfer fees.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Tripura EMD Bid Security Exemptionby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults32dEligibilityFund TypeSupport Typeकार्यक्रम विवरणLocal manufacturers and eligible local service entrepreneurs in Tripura get 100% exemption from earnest money and bid-security deposits on State goods tenders.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट
UP Land Use Conversion Charge Waiverby Government of Uttar PradeshVariesClosesरोलिंग / खुलाResults79dEligibilityFund TypeSupport Typeकार्यक्रम विवरणA concession offering a 75% waiver on land use conversion charges for developers establishing eligible Truckers Parks under the New UP Warehousing & Logistics Policy 2022.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
UP Stamp Duty Exemption (IT City)by Government of Uttar PradeshVariesClosesरोलिंग / खुलाResults72dEligibilityFund TypeSupport Typeकार्यक्रम विवरणDevelopers or consortiums establishing an IT City in Uttar Pradesh can claim 100% exemption on stamp duty for the purchase or lease of land.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूलोन ₹2 Cr तकबिज़नेस लोन ₹2 Cr तक
Odisha Renewable Energy Surcharge Exemption for Priority Sectorsby Industries Department, Government of OdishaVariesClosesरोलिंग / खुलाResults79dEligibilityFund TypeSupport Typeकार्यक्रम विवरणPriority Sector units buying renewable power in Odisha get 100% of surcharges and transmission charges waived for 7 years.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Punjab SGST Reimbursement 2022by Department of Industries & Commerce, Government of PunjabVariesClosesरोलिंग / खुलाResults77dEligibilityFund TypeSupport Typeकार्यक्रम विवरणPunjab reimburses 100% of net SGST for 15 years from commercial production, capped at 200% of fixed capital investment.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
RIPS 2024 MSME Green Loan Subventionby Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults70dEligibilityFund TypeSupport Typeकार्यक्रम विवरणMSMEs in Rajasthan get 6% interest subvention on loans taken for activities covered under SIDBI's Green Finance Scheme.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट
Mizoram Machinery Transport Subsidyby Department of Commerce and Industries, Government of MizoramVariesClosesरोलिंग / खुलाResults66dEligibilityFund TypeSupport Typeकार्यक्रम विवरणMizoram reimburses 50% of the actual cost of transporting plant and machinery to a new MSME unit, by rail, road or both.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Mizoram MSE Tender Fee Exemptionby Department of Commerce and Industries, Government of MizoramVariesClosesरोलिंग / खुलाResults51dEligibilityFund TypeSupport Typeकार्यक्रम विवरणLocal Micro and Small Enterprises in Mizoram are exempted from paying tender fees on state tenders.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंवाइब कोडिंग परवाइब कोडिंग पर50% OFF
SC/ST Stall Subsidy: Domestic Fairsby National SC-ST HubVariesClosesरोलिंग / खुलाResults68dEligibilityFund TypeSupport Typeकार्यक्रम विवरण100% subsidy on built-up stall charges for the minimum stall size at domestic exhibitions and trade fairs.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Tripura CGTMSE Fee Subsidyby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults59dEligibilityFund TypeSupport Typeकार्यक्रम विवरण100% reimbursement of CGTMSE one-time guarantee fees and yearly service fees for micro and small enterprises in Tripura.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
AP Early Bird Investment Subsidy for Large Industries (IDP 4.0)by Department of Industries & Commerce, Government of Andhra PradeshUp to ₹2000CrClosesरोलिंग / खुलाResults42dEligibilityFund TypeSupport Typeकार्यक्रम विवरणGeneral sub-large to ultra mega enterprises with FCI above ₹50 Crore get up to 40% investment subsidy, capped at ₹2,000 Crores.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.फॉर्म रिव्यूआवेदन रिव्यूAI साइट बिल्डर परAI साइट बिल्डर पर50% OFF
Tripura Certification Reimbursementby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults66dEligibilityFund TypeSupport Typeकार्यक्रम विवरणTripura fully reimburses fees for standard certifications and their renewal in 12 selected areas, plus a one-time full reimbursement of recognised technology-transfer fees.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Rajasthan Electricity Duty Exemption (Logistics)by Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults85dEligibilityFund TypeSupport Typeकार्यक्रम विवरणClaim 100% exemption from electricity duty for 7 years for eligible logistics infrastructure businesses in Rajasthan under the Rajasthan Investment Promotion Scheme 2024.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंवीडियो क्रिएशन परवीडियो क्रिएशन पर54% OFF
UP Truckers Park Development Charge Exemptionby Government of Uttar PradeshVariesClosesरोलिंग / खुलाResults85dEligibilityFund TypeSupport Typeकार्यक्रम विवरणReceive a 75% exemption on development charges for establishing or expanding eligible Truckers Parks under the New UP Warehousing & Logistics Policy 2022.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Power Tariff Reimbursement Odishaby Industries Department, Government of OdishaVariesClosesरोलिंग / खुलाResults41dEligibilityFund TypeSupport Typeकार्यक्रम विवरणNew industrial units in Odisha's Priority Sectors can claim reimbursement of ₹2.00 per unit for power consumed for 7 years.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट
RIPS 2024 MSME Consent Fee Waiverby Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults73dEligibilityFund TypeSupport Typeकार्यक्रम विवरणGreen-rated MSMEs in Rajasthan pay half the pollution control board consent fee under the RIPS 2024 green incentives.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI एजेंटAI एजेंट से आवेदन करेंएजेंट और ऑटोमेशन परएजेंट और ऑटोमेशन पर50% OFF
J&K GST Linked Incentive (GSTLI)by Industries & Commerce Department, Government of Jammu & KashmirVariesClosesरोलिंग / खुलाResults78dEligibilityFund TypeSupport Typeकार्यक्रम विवरणReimbursement of 100% of gross GST paid for up to 10 years, capped at 300% of the unit's investment in plant & machinery.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
J&K Net SGST Reimbursementby Industries & Commerce Department, Government of Jammu & KashmirVariesClosesरोलिंग / खुलाResults42dEligibilityFund TypeSupport Typeकार्यक्रम विवरण100% reimbursement of net SGST for 10 years from 1 April 2021 for industrial units in Jammu & Kashmir.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंलोन ₹2 Cr तकबिज़नेस लोन ₹2 Cr तक
RIPS 2024 Environment Project Refundby Department of Industries and Commerce, Government of RajasthanVariesClosesरोलिंग / खुलाResults79dEligibilityFund TypeSupport Typeकार्यक्रम विवरणEnterprises in Rajasthan undertaking environmental projects are reimbursed 50% of the cost under the RIPS 2024 general green incentives.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Mizoram MSE EMD Exemptionby Department of Commerce and Industries, Government of MizoramVariesClosesरोलिंग / खुलाResults30dEligibilityFund TypeSupport Typeकार्यक्रम विवरणLocal Micro and Small Enterprises in Mizoram are exempted from paying Earnest Money Deposits on state tenders.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI से अप्लाईAI से आवेदन करेंAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट
UNNATI Capital Interest Subventionby Department for Promotion of Industry and Internal Trade (DPIIT)VariesClosesरोलिंग / खुलाResults51dEligibilityFund TypeSupport Typeकार्यक्रम विवरण3-5% annual interest subvention for up to 7 years on term loans taken by North East units.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंलोन ₹2 Cr तकबिज़नेस लोन ₹2 Cr तक
Tripura State Transport Subsidyby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults86dEligibilityFund TypeSupport Typeकार्यक्रम विवरण50% reimbursement of transport cost of secondary raw materials and packaging raw materials on the railway standard parcel rate.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.पिच डेकपिच डेक बनाएंविशेषज्ञ के माध्यम से आवेदन करेंविशेषज्ञ के माध्यम से आवेदन करें
Tripura EMD Bid Security Exemptionby Department of Industries and Commerce, Government of TripuraVariesClosesरोलिंग / खुलाResults32dEligibilityFund TypeSupport Typeकार्यक्रम विवरणLocal manufacturers and eligible local service entrepreneurs in Tripura get 100% exemption from earnest money and bid-security deposits on State goods tenders.फंडिंग और लाभFunding amount breakdown, perks, credits and mentorship on offer.AI प्रीफिलअपना आवेदन प्रीफ़िल करेंAWS क्रेडिट पाएंAWS क्रेडिट पाएंफ्री $35K क्रेडिट