Mizoram Interest Subsidy 2025
By Department of Commerce and Industries, Government of Mizoram
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Quick Answer
Mizoram subsidises up to 5% per annum of a new MSME's term-loan interest for 5 years, capping the claim at Rs 10 lakh a year.
- Funding amount
- Up to ₹10L
- Funding type
- Subsidy
- Application deadline
- Rolling
- Location
- Mizoram
- Registrations needed
- Udyam registration
About this subsidy
The Industrial and Investment Policy of Mizoram 2025 offers new MSME units relief on the cost of borrowing. Interest paid on a term loan is subsidised up to a maximum of 5% per annum for an initial period of five years.
The claim is capped: in any full year the subsidy is limited to a total of Rs 10 lakh paid by the unit towards term-loan interest. If your effective interest rate is below 5%, you get the actual rate; above it, you carry the difference yourself. Nothing here changes the loan itself — you still repay the bank in full.
Eligibility
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Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Subsidy providers
The Commerce & Industries Department is the Government of Mizoram body for industrial development and commerce in the state. It was set up in 2016 by merging the Industries Department with the Trade & Commerce Department, and its Directorate is in Khatla, with offices in every…
Learn moreBenefits & Funding
- Amount
- Up to ₹10L
What You Get
Interest on your term loan is subsidised up to a maximum of 5% per annum for an initial period of five years. The subsidy is limited to a claim on a total amount not exceeding Rs 10 lakh paid by the unit towards term-loan interest in a full year. It reduces your effective cost of debt; the principal remains fully repayable to the lender.
- Disbursement
- Reimbursement
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
The department verifies the lender's interest certificate and releases the subsidy up to 5% per annum, within the annual claim ceiling.
Application Process
- 1
Take the term loan
Avail a term loan for the unit and service the interest as scheduled.
You - 2
- 3
- 4
How to apply
Four steps from draft to disbursement — one action each.
- 1
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 2
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 3
Submit on the official portal
Use the official application link and verify all details before final submission.
- 4
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Frequently Asked Questions
How much interest is subsidised?
Up to a maximum of 5% per annum on the term loan.
How long does the subsidy run?
An initial period of 5 years.
Is there an annual cap?
Yes. The subsidy is limited to a claim on a total amount not exceeding Rs 10 lakh of interest paid in a full year.
Does this replace my loan repayment?
No. You continue to service the loan; the state reimburses part of the interest component.
Which loans qualify?
Term loans taken by the industrial unit. Interest paid on that term loan is what the clause covers.
Sources
Data on this page is compiled from official program and provider references.
