Nagaland Interest Subvention (SCISI) 2025
By Department of Industries & Commerce, Government of Nagaland
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Quick Answer
Nagaland pays a 5% interest subvention on loans of up to Rs 1 crore taken by thrust-sector units for plant, machinery or buildings.
About this subsidy
The State Capital Interest Subvention Incentive (SCISI), clause 6.2 of the Nagaland Trade Investment and Industrial Policy (NTIIP) 2025, reduces the cost of borrowing for units in the State's thrust sectors. Eligible new units and expanding units in manufacturing, retail and services receive an interest subvention of 5% on loans disbursed up to Rs 1 crore, where the loan finances eligible plant and machinery (for manufacturing) or buildings and other durable physical assets (for service and retail units). The subvention is not available to a unit already assisted under clauses 6.1.1, 6.1.2 or 6.1.3 of the same policy, and where a unit claims a similar benefit under the Centre's UNNATI scheme, only the differential is payable by the State.
Eligibility
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Subsidy 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
What You Get
An interest subvention of 5% on term loans disbursed up to Rs 1 crore, applied to borrowing that funds eligible plant and machinery (manufacturing units) or buildings and other durable physical assets (service and retail units). It lowers the effective cost of capital expenditure finance rather than paying a lump sum. Units already assisted under NTIIP clauses 6.1.1, 6.1.2 or 6.1.3 are excluded, and where UNNATI provides a comparable benefit the State pays only the difference.
- Disbursement
- Reimbursement
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
The Department of Industries and Commerce verifies thrust-sector status, the nature of the financed assets and the loan disbursement record before releasing the subvention.
Application Process
- 1
Avail the loan
The unit takes a term loan for eligible plant, machinery or physical assets.
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 relief do I get?
5% subvention on the interest of loans disbursed up to Rs 1 crore.
What can the loan be used for?
Eligible plant and machinery for manufacturing units, or buildings and other durable physical assets for service and retail units.
Can an existing unit claim it?
Yes — both eligible new units and expanding units qualify, provided they are in a notified thrust sector.
Can I combine it with other NTIIP incentives?
No. Units assisted under clauses 6.1.1, 6.1.2 or 6.1.3 are not eligible for SCISI.
What if I already get interest support under UNNATI?
Only the difference between the UNNATI benefit and the State's 5% subvention is paid.
Sources
Data on this page is compiled from official program and provider references.
