Punjab CLCSS Interest Top-up
By Department of Industries & Commerce, Government of Punjab
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Quick Answer
Punjab adds a 5% interest subsidy, up to INR 5 lakh a year for 5 years, on top of the central CLCSS — including for units that have exhausted their CLCSS limit.
- Funding amount
- Up to ₹5L
- Funding type
- Subsidy
- Application deadline
- Rolling
- Location
- Punjab
- Registrations needed
- Udyam registration
About this subsidy
Clause 12.8 A(4) of Punjab's Industrial and Business Development Policy 2022 layers state support on top of the Government of India's Credit Linked Capital Subsidy Scheme. Units eligible under CLCSS get an interest subsidy of 5%, capped at INR 5 lakh per year, for five years from the date of commercial production. Crucially, companies that have already availed CLCSS and exhausted its limit remain eligible on the same terms for this additional state benefit — the state support is not netted against what the centre already paid.
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 Department of Industries & Commerce is the Government of Punjab's department that runs the Punjab Start-up Cell. The Cell is headed by the Director of Industries and Commerce and acts as a single point of contact for the state's startup policy. The department is based at…
Learn moreBenefits & Funding
- Amount
- Up to ₹5L
What You Get
A 5% interest subsidy for five years from the date of commercial production, capped at INR 5 lakh per year, given as additional state support to units eligible under the centre's CLCSS. Units that have already drawn CLCSS to its limit still qualify here on the same terms, which makes this the useful clause for anyone who has finished a technology-upgradation loan under the central scheme.
- Disbursement
- Reimbursement
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
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
Do I lose this if I already took CLCSS?
No. Companies that have availed CLCSS and exhausted its limit are eligible for this additional state benefit on the same terms.
How much and for how long?
5% interest subsidy, maximum INR 5 lakh per year, for five years from the date of commercial production.
Who qualifies?
MSME units eligible under the central CLCSS scheme.
Sources
Data on this page is compiled from official program and provider references.
