Nagaland Soft Loan for Small Enterprises
By Department of Industries & Commerce, Government of Nagaland
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Quick Answer
Nagaland offers small and micro retail/service enterprises a soft loan of up to Rs 10 lakh at 6% interest to set up the business.
About this loan
Under clause 6.1.3 of the Nagaland Trade Investment and Industrial Policy (NTIIP) 2025, the State provides a soft loan for establishing small and micro enterprises in the retail and service sectors. The loan carries a concessional interest rate of 6% per annum and is capped at Rs 10.00 lakhs per enterprise. Within the overall loan provision, 25% of the targeted corpus is reserved for women entrepreneurs and 5% for differently abled entrepreneurs, so those two groups have a ring-fenced share of the fund. Because it is a loan, the money is repayable — this is working capital/establishment finance at a below-market rate, not a grant.
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.
Grant providers
The Department of Industries & Commerce, Government of Nagaland, is the state department that promotes industry, trade and enterprise in Nagaland. It was established in 1965 and works from Kohima through the Directorate of Industries & Commerce and its District Industries…
Learn moreBenefits & Funding
- Amount
- Up to ₹10L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
A soft loan of up to Rs 10.00 lakhs at a concessional 6% per annum interest rate to establish a small or micro retail/service enterprise in Nagaland. The loan provision carries reservations — 25% of the targeted corpus for women entrepreneurs and 5% for differently abled entrepreneurs. The amount is repayable; the benefit is the below-market interest rate and access to establishment finance.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications are scrutinised by the State Department of Industries and Commerce against the eligibility conditions of NTIIP 2025 before the soft loan is sanctioned.
Application Process
- 1
Submit application
The enterprise applies to the Department of Industries and Commerce under NTIIP clause 6.1.3.
You - 2
- 3
How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
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.
- 3
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 4
Submit on the official portal
Use the official application link and verify all details before final submission.
- 5
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Frequently Asked Questions
How much can I borrow?
Up to Rs 10.00 lakhs for establishing a small or micro retail or service enterprise.
What interest rate applies?
6% per annum, which is why the policy calls it a soft loan.
Do I have to repay it?
Yes. This is a loan, not a grant — repayment applies on the terms set by the sanctioning authority.
Is any part of the fund reserved?
Yes. 25% of the targeted loan provision is reserved for women entrepreneurs and 5% for differently abled entrepreneurs.
Which sectors qualify?
Small and micro enterprises in the retail and service sectors.
Sources
Data on this page is compiled from official program and provider references.
