Government Loan Schemes: The Indian government runs a variety of schemes to strengthen the economic situation and connect most people with sources of income. These schemes provide financial assistance to those in need. The government is running a variety of financial schemes and loan schemes across the country, allowing every Indian citizen to obtain a loan based on their needs.
Today, in this post, we will learn about all the loan schemes of the Government of India, including detailed information about these schemes, including how to apply for them, and other important information.
What are Government Loans?
The Government of India operates loan schemes to provide loans to those who wish to take loans for any purpose, such as starting a new business, buying a house or property, setting up any unit or starting a small business. Financial assistance is provided under these schemes for all such works. Loans ranging from thousands of rupees to crores of rupees are given by applying under these schemes.
Top 5 Government Loan Scheme 2025
1. CGTMSE Loan Scheme
CGTMSE scheme has been created to provide financial assistance to micro and small industries. The objective of the scheme is to help entrepreneurs who want to avail loans without any guarantee.
| Name of the scheme | CGTMSE |
| Loan amount | ₹500 lakh |
| interest rate | 11.45% p.a.* |
| Loan tenure | Up to 5 years |
Loan amount: Under this scheme, loans up to ₹2 crore can be taken without any guarantee.
Guarantee cover: Under this scheme, 70% to 85% of the loan is guaranteed. The majority of the loan risk is covered by the government.
Benefits: There are several types of benefits and advantages of taking a loan under the CGTMSE loan scheme.
- Loans up to crores of rupees are given to any entrepreneur without asking for guarantee.
- Work documents are processed,
- Fast processing, yes, loans are disbursed instantly under this scheme as the scheme has been digitized by the government.
- Even small businesses can avail a large loan.
2. PM Mudra Loan
The PM Mudra scheme is a special loan scheme of the Government of India designed to promote the development of small and micro enterprises. Launched in 2015 by Prime Minister Narendra Modi, the scheme provides loans to small businesses and industries at affordable interest rates.
Mudra Loan Amount: PM Mudra Loan is divided into three types which are as follows
| Shishu Mudra Loan | Up to ₹50,000 |
| Kishor Mudra Loan | ₹50,000 to ₹5 lakh |
| Tarun Mudra Loan | ₹5 lakh to ₹10 lakh |
Mudra Loan Overview
| Name of scheme | PM Mudra Loan |
| Maximum amount | ₹10 lakh rupees |
| Interest Rate | 8.00% से 12.45% |
| Loan Tenure | 5 years and above |
Advantages and Benefits of Mudra Loan:
- Under the PM Mudra Loan Scheme, any Indian citizen can easily avail of a loan, from street vendors to large businesses.
- Applying for the scheme is available online and offline.
- Mudra loans are offered at low interest rates and with a simple loan process.
- The scheme offers a maximum loan amount of ₹10 lakh.
- You can avail a loan for a long term.
- Click here for more information on Mudra loans.
3. PMEGP Laon Scheme
PMEGP- Prime Minister Employment Generation Programme, under which loans are given to unemployed youth of the country as well as to those who want to start their own business. To provide financial assistance, the PMEGP scheme has been started by the Government.
| Name of the scheme | PMEGP |
| maximum amount | ₹50 lakh |
| Interest rate | 11% to 12% |
| Loan Tenure | Up to 7 years |
PMEGP Scheme Benefits and Advantages
Under this scheme, a maximum loan of ₹50 lakh can be taken.
The scheme offers a low interest rate and easy application options (interest rates vary by bank).
Under the PMEGP scheme, subsidies are provided to youth in rural and urban areas. What is the PMEGP subsidy? The subsidy means that the government provides a discount of up to 35% on the loan amount under this scheme. This subsidy is 35% in rural areas and 35% in urban areas.
4.Msme Loan Scheme
The Government of India launched the MSME Loan Scheme to provide loans to MSME units as per their needs. Under this scheme, loans are disbursed within 59 minutes. This scheme has proved beneficial for those who want to avail instant loans.
| Name of the scheme | MSME |
| maximum amount | ₹5 crore |
| Interest Rate | According to the banks |
| Loan Tenure | amount wise |
Benefits and Advantages of MSME Loan Scheme
- The maximum loan amount under this scheme exceeds ₹1 crore.
- An interesting fact about this scheme is that loans can be availed at an interest rate of 8%.
- Women are given special benefits under the MSME loan scheme, with a 3% interest rebate.
- Under this scheme, loans are provided in a timely manner. For immediate loan requirements, loans are disbursed within 59 minutes.
5. PM Swanidhi Loan Scheme
Under the PM Svanidhi loan, small vendors or small business owners can avail loans up to ₹50,000. Applications can be made online for this loan scheme. The loan amount is divided into three phases: first, a loan of ₹10,000, and then, on timely repayment, loans of up to ₹20,000 and ₹50,000 are provided.
| Name of the scheme | PM Swanidhi |
| maximum amount | ₹50000 thousand |
| Interest Rate | 7% |
| Loan Tenure | 36 months |
Benefits and Advantages of PM Svanidhi Loan
- By applying online, you can receive instant loan approval and receive a loan in a short time.
- This scheme is a good option for small loans, as it offers loans ranging from ₹10,000 to ₹50,000.
- Women and reserved categories can benefit from reservations, but a caste certificate is required.
Required Documents
The following documents may be required to apply for the Govt Loan Scheme.
- Identity Proof: Aadhaar Card, PAN Card, Driving License, Voter ID Card, Passport, any of the following:
- Bank Details: 6-month bank statement, bank passbook, bank name and address
- Income Proof: Family Income Certificate, Salary Slip, ITR Return (if any)
- Address and Contact (any address proof such as electricity bill, telephone bill, or domicile certificate)
- Business Registration, Address, etc. (if any)
- Applicant’s Passport Size Photograph
- Caste Certificate
Terms and Conditions
- Some of the terms and conditions of the Government Loans Scheme are as follows:To apply for any loan scheme, the applicant must be over 18 years of age (some banks have set the age limit to over 21 years).
- To apply for a loan scheme, the applicant must be an Indian citizen.
- All documents must be genuine when applying for the scheme.
- In some cases, the interest rate may vary depending on the loan amount and profile.
- To obtain a large loan amount, complete business information and address will be required.
- There should be no outstanding loan amount before applying for the scheme.
- Furthermore, the conditions vary between banks.
Apply Process
How to apply for Government Loan Scheme
Online application: Nowadays, everyone wants to apply for a loan under the government scheme by applying online. For this, you can apply by visiting the official website of the scheme, clicking on the application portal, uploading your documents, and complete information about applying online.
- CGTMSE Loan आवेदन प्रक्रिया
- MSME Loan आवेदन प्रक्रिया
- PMEGP Loan आवेदन प्रक्रिया
- Mudra Loan आवेदन प्रक्रिया
- Pm SVANidhi Loan आवेदन प्रक्रिया
Offline Application: To apply for a Government Loan Scheme offline, you can visit your nearest bank. Ensure you obtain complete information about the scheme under which you wish to avail a loan. Only then submit your form to the nearest branch or loan institution.
Helpline number
karmank toll free number
1 1800-180-1111
2 1800-11-0001
Frequently Asked Questions
Q. क्या में बिना की गारंटी दिए लोन ले सकता हूं?
जीहां आप भारत सरकार द्वारा संचालित योजना के जरीए बिना किसी गारंटी के करोड़ रुपए तक लोन ले सकते जैसे CGTMSE Loan योजना और अन्य महत्त्वपूर्ण योजना है जिससे बिना किसी गारंटी के आसानी से लोन ले सकते हैं
Q. खुद का बिजनेस शुरू करने के लिए लोन कैसे लें?
अगर आप भी ख़ुद का बिजनेस शुरू करने के लिए लोन की तलास में हैं तो PMEGP लोन योजना का विकल्प आपके लिए काफी फायदेमंद साबित होगा, क्योंकि इसमें आप 50 लाख रुपए तक लोन ले सकते हैं 35% तक सब्सिडी प्रदान की जाती हैं
Q. भारत सरकार की 5 बड़ी लोन योजना?
सरकार द्वारा संचालित 5 बड़ी लोन योजना MSME लोन योजना, PMEGP लोन योजना, CGTMSE लोन योजना, मुद्रा लोन योजना, पीएम स्वनिधि लोन योजना,
Q. 50 हजार रुपए तक लोन कैसे लें?
₹50 हजार रुपए तक लोन लेने के लिए सबसे अच्छा विकल्प हैं पीएम स्वनिधि योजना जिससे आसानी से हर कोई लोन ले सकता हैं
Q. 10 हज़ार का लोन कैसे लें?
अगर आप 10 हज़ार का लोन लेना चाहते हैं तो सरकार की पीएम स्वनिधि योजना मैं आवदेन कर सकते हैं क्योंकी यहां पर आप पहली बार आवेदन करते हैं तो 10 हज़ार रुपए तक लोन दिया जाता हैं
Q. खुद का बिजनेस शुरू करना के लिए कौनसी योजना से लोन लें?
अगर आप अपना खुद का बिजनेस शुरू करना चाहते हैं तो आप पीएमईजीपी योजना में आवेदन करने लोन ले सकते हैं इस योजना के तहत अधिकतम 50 लाख रुपए तक लोन और 35% तक सब्सिडी मिलेगी, ये एक बेहतर विकल्प हो सकता हैं Government Loan Scheme all info
