Debt Programs for Indian Startups

This Haryana government scheme provides term loans of up to ₹10 lakh to backward class artisans and craftspersons for traditional arts and crafts, along with skill upgrade training.

This Bihar government scheme provides up to ₹10 lakh in financial assistance (50% grant, 50% interest-free loan) to individuals from Minority communities for entrepreneurship and self-employment.

The Charmashilpa Scheme offers financial assistance, including a ₹5 lakh subsidy and a ₹5 lakh bank loan, to leather artisans, SHGs, and cooperative societies in Karnataka for modernizing their production units.

This Haryana government scheme offers loans up to ₹10 lakh to young Backward Class professionals for establishing clinics, offices, and engineering or architect units across the state.

A self-employment loan scheme by the Gujarat government providing up to ₹10 lakh for setting up small businesses like grocery stores, medical shops, or garment stores.

A term loan scheme by GTKVN to promote self-employment among individuals from Thakor and Koli communities in Gujarat for agriculture, small businesses, craftsmanship, and services.

Aspiring entrepreneurs in Maharashtra can access loans between ₹5 lakh and ₹10 lakh with a 3% subsidized interest rate under this government scheme.

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.

The Mahila Udyam Nidhi (MUN) scheme by PIPDIC provides term loans and seed capital up to ₹9 lakh for women entrepreneurs establishing new Small Scale Industrial units or service activities in Puducherry.

A Uttarakhand government scheme offering project loans from ₹20,000 to ₹7 lakh and a 50% subsidy (up to ₹10,000) for self-employment ventures by Scheduled Caste and Tribe entrepreneurs below the poverty line.

A loan assistance scheme by the Government of Gujarat's DAADC for unemployed Scheduled Caste individuals from Antyodaya families to establish mobile food court businesses, promoting self-employment in the food and beverage sector.

Collateral-free business loan ₹50,001–₹5 lakh for growing micro-enterprises

Swarnima provides low-interest loans up to ₹5 lakh to female beneficiaries from Other Backward Classes (OBC) in Maharashtra to support self-employment ventures and foster financial independence.

A margin money loan scheme by LIDCOM for the Scheduled Caste Charmakar community in Maharashtra, offering seed capital and subsidy for business projects.

A Bihar state-sponsored loan scheme providing up to ₹5 lakh at 5% interest to minority youth for employment and income-generation activities.

A loan scheme by the Tamil Nadu government providing up to ₹5 lakh at 12% interest to women entrepreneurs for their businesses.

The Transport Loan Scheme by DSFDC Delhi offers term loans up to ₹5 lakh for Light Motor Vehicles to promote self-employment among eligible SC, OBC, Minority, and Safai Karamchari residents of Delhi.

A scheme by Mission Youth J&K to provide financial assistance up to ₹5 lakh to young women (18-35 years) for setting up or expanding self-employment ventures.

The Dilli Swarojgar Yojna offers need-based loans up to ₹5 lakh at 6% interest to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minority communities in Delhi to start or expand small businesses.

The Big Loan Scheme by DSFDC offers term loans up to ₹5 lakh to marginalized residents of Delhi for establishing non-polluting income-generating businesses.

A self-employment scheme by the Government of Rajasthan providing specially-abled individuals with a loan up to ₹5 lakh and a subsidy up to ₹50,000 to start their own businesses.

Interest-free loans for farmers and self-help groups in Uttarakhand, supporting agricultural and non-agricultural activities to promote self-employment and strengthen the rural economy.