Loan schemes in India
Browse 8 schemes in India. Tap any scheme to see who is eligible, the benefits, and how to apply — each verified against its official source.
Government loan and credit schemes
Government loan schemes open up affordable credit for people whom regular banks often turn away for lack of collateral or credit history. They include collateral-free MUDRA loans for small businesses, Stand-Up India loans for women and SC/ST entrepreneurs, and subsidised credit for farmers, students, and self-help groups. Many come with interest subsidies or government-backed guarantees that lower the cost and risk.
The key is matching the loan to your purpose — a micro-enterprise, higher education, farming, or a first business — since each has its own limits and terms. You will usually apply through a bank with a simple plan, identity and address proof, and bank details. Browse the schemes below and pair them with the Business & Startup and Agriculture categories.
The Assam Abhinandan Education Loan Subsidy Scheme offers financial assistance for higher education loans in Assam.
StateBank Tie-Up SchemeThe Bank Tie-Up Scheme offers financial assistance to Scheduled Castes in Punjab living Below Poverty Line through bank loans and subsidies.
StateDr. P. G. Solanki Scheme for Loan/Assistance to Medical Graduate Doctors of Scheduled CasteThe Dr. P. G. Solanki Scheme offers financial assistance to Scheduled Caste medical graduates in Gujarat.
StateDr. P. G. Solanki Scheme for Loan/Assistance to Medical Post Graduate Doctors of Scheduled CasteThe Dr. P. G. Solanki Scheme offers financial assistance to SC Medical Post Graduate Doctors in Gujarat.
StateHP Minorities Finance & Development CorporationThe HP Minorities Finance & Development Corporation offers loans for self-employment to minority communities in Himachal Pradesh.
StateLIDCOM Margin Money Loan SchemeThe LIDCOM Margin Money Loan Scheme offers financial assistance to the Charmakar community in Maharashtra.
CentralNBCFDC General Loan SchemeThe NBCFDC General Loan Scheme offers loans to OBC entrepreneurs for income-generating activities up to ₹15 lakh.
CentralPM SVANidhiCollateral-free working-capital loans for street vendors in rising tranches of ₹15,000, ₹25,000 and ₹50,000, with a 7% interest subsidy.