The Central and Kerala governments give subsidy on many business loans.
Subsidy means a part of your loan or interest is paid by the government.
Each scheme has its own rules. We check which scheme you qualify for and apply correctly.
Who is it for
Micro and small units, food processing units, farmers and first-time entrepreneurs.
How we help
- Find the scheme that suits you
- Prepare the subsidy project report
- Online application and department follow-up
- Claim the subsidy after sanction
Options available
- 01
PMMY (Mudra Loan)
Collateral-free loans for micro units. Shishu up to ₹50,000; Kishor ₹50,001–₹5 Lakh; Tarun ₹5 Lakh–₹10 Lakh; Tarun Plus above ₹10 Lakh up to ₹20 Lakh (only for those who already repaid a Tarun loan).
- 02
CMEDP (Kerala Financial Corporation)
Loans up to ₹5 Crore at an effective interest of about 6% (state subvention lowers the rate). Chief promoter age limit is around 60 years.
- 03
PMEGP
Maximum project cost ₹50 Lakh for manufacturing and ₹20 Lakh for service units. Government margin-money subsidy of 15%–35% depending on category (General/Special) and area (Urban/Rural).
- 04
PMFME (Food Processing)
35% credit-linked capital subsidy on eligible project cost, with a maximum of ₹10 Lakh per unit.
- 05
AIF (Agriculture Infrastructure Fund)
3% interest subvention on loans up to ₹2 Crore for post-harvest infrastructure like cold storage, sorting and grading.
- 06
Kerala DIC / Entrepreneur Support Scheme (ESS)
State capital-investment subsidy for manufacturing units, released after commercial production starts.
We prepare your project report and guide the bank process. Approval is decided by the bank.
Not sure where to start? Just ask us.
Tell us what you need. We will explain it in simple words.