MSME Government Schemes

MSME Government Schemes

​​​​​​​Get government scheme benefits for your business's growth by availing credit guarantees, credit-linked subsidies, grants, interest subventions and more. Startups, micro-businesses, woman entrepreneurs, agriculture-based businesses - everyone can avail of government scheme benefits through the unmatched HDFC Bank customer experience.

Find the Government Scheme tailormade to boost your business 


Agriculture Infrastructure Fund Scheme
  • Credit guarantee scheme that supports post-harvest/farm-gate infrastructure in agriculture and related sectors
  • Loans of up to ₹7.5 crore are available under the AIF scheme
  • Interest subvention of up to 3% available for a maximum of seven years
  • A moratorium period of 6 to 24 months on loans taken under the scheme
  • Finance is available for post-harvest infrastructure, community farming, transportation, technology and more


Credit Guarantee Scheme for Startups
  • Collateral-free credit guarantee scheme for Indian startups
  • Credit guarantee of up to ₹10 crore at a nominal guarantee fee of 2% per annum
  • Multiple types of long-term and short-term loans are covered, including venture debt, working capital, and debentures
  • HDFC Bank arranges the credit guarantee for you as you apply for the loan
  • All DPIIT-recognised startups can apply


Credit Guarantee Fund Trust for Micro and Small Enterprises
  • Collateral and third-party guarantee-free loans for micro and small enterprises
  • Guarantee on loans of up to ₹5 crore at a Nominal guarantee fee only
  • All eligible businesses engaged in manufacturing and services can apply
  • Get a loan with a credit guarantee through a simple application process
  • Working Capital Loans and Term Loans are available under the scheme


Prime Minister’s Employment Generation Programme
  • Loans on new micro businesses that get you 15 to 35% as capital subsidy
  • Subsidy available for manufacturing sector projects of up to ₹50 lakh and service sector projects of up to ₹20 lakh
  • Enjoy PMEGP for the new entrepreneurs in CGTMSE guarantee cover
  • Minimal beneficiary contribution requirement of 5% of the project cost for special category borrowers and 10% for general category borrowers
  • Flexible repayment tenure of three to seven years


Pradhan Mantri Formalisation of Micro Food Processing Enterprises
  • Credit-linked grants, interest subvention and seed capital for micro food processing units
  • Credit-linked grants are also available for capital investment and common infrastructure development
  • Relaxed repayment period of up to 7 years, including a moratorium period of minimum 6 months and maximum of 2 years
  • Individuals, micro food processing units, farmer producer organizations, self-help groups and cooperatives can apply

Stand Up India Scheme

  • Working capital and term loan facilities of ₹10 lakh to ₹1 crore
  • Loans provided to SC/ST and women borrowers for greenfield businesses
  • Loans provided to finance 85% of the business project cost
  • Overdraft and cash credit facilities are available on Working Capital Loans
  • Versatile hand-holding support is available for the borrowers under the scheme

PM Mudra Yojana

Pradhan Mantri Mudra Yojana
  • PM Mudra Yojana provides tiered loans (Shishu, Kishor, Tarun) catering to different business needs.
  • Inclusive credit access for non-farm enterprises in manufacturing, trading, and services with needs below ₹10 lakh.
  • Entrepreneurs can choose loans (Shishu, Kishor, Tarun) based on their micro unit's growth stage and funding requirements
  • Flexible financing bands - Shishu (up to ₹50,000), Kishor (₹50,000 to ₹5 lakh), Tarun (₹5 lakh to ₹10 lakh).