Navigate government funding with confidence
A curated, actively maintained map of every major central and state funding scheme worth knowing — with honest eligibility notes and end-to-end application support.
Major government schemes
The four schemes that move the needle for most Indian MSMEs and startups.
SISFS
DPIIT-recognised startups incorporated within the last 2 years, applying through selected incubators.
PMEGP
Individuals above 18, SHGs, trusts, co-operatives setting up new micro-enterprises. Subsidy from 15% to 35%.
PMMY / Mudra
Non-corporate, non-farm micro and small enterprises needing collateral-free loans.
Stand-Up India
SC/ST and women entrepreneurs setting up new greenfield enterprises.
Guarantee schemes
If you don't have collateral, these schemes are how banks still lend to you.
Specialised funding programmes
CLCS-TUS
MSMEs upgrading technology and plant/machinery under eligible sub-sectors.
ISEC
Khadi institutions availing working capital loans from banks.
PSB 59
GST and ITR-compliant MSMEs seeking in-principle loan approval online.
SFURTI
Artisan and traditional industry clusters such as khadi, coir, handicrafts, bamboo, pottery.
SMILE
New and existing MSMEs in manufacturing and services under the Make in India initiative.
SRIJAN / SRI
MSMEs undertaking technology innovation and commercialisation.
GENESIS EiR 2.0
Indian students (UG/PG) and early-stage founders in Deeptech, ICT, and ESDM at ideation, validation, or prototype stage.
Sector and state schemes
Beyond central flagships, state and sectoral programmes often offer the best effective capital.
Agri-Tech Fund Assistance
Indian AgriTech startups (Pvt Ltd, LLP or Partnership, ≤10 years old, ≥51% Indian ownership) with a product at TRL 4+ and Startup India recognition, willing to incubate at SmartAgri CoE, Bhilai.
Visionary Business Funding
Founders of registered Private Limited or LLP revenue-stage/scale-up startups (idea-stage excluded) with Startup India recognition and strong unit economics; priority for Tier 2 & Tier 3 cities.
VC Fund for ST
Scheduled Tribe (ST) entrepreneurs owning ≥51% of a Private Limited Company with valid Startup India (DPIIT) recognition, 6–12 months of operation, and a satisfactory credit record.
Sustainability Sprint
Early-stage Indian startups (Pvt Ltd, LLP or Partnership) with a functional prototype/PoC/MVP addressing climate mitigation, energy efficiency or circular economy, Startup India-eligible with full-time founders.
Cold Storage Subsidy Scheme
Individual entrepreneurs, farmers, FPOs, cooperatives and MSMEs (Pvt Ltd, LLP or Partnership) building cold storage of 251–20,000 MT for fruits/vegetables/spices/onions, with land ownership or a long lease and a bank term loan.
Grant for Textile
Implementing Agencies (registered Pvt Ltd, Trust or Society — academic institutes, training bodies or textile companies) with prior textile expertise; trainees include students, workers and professionals.
ELEVATE NxT
Karnataka-registered Private Limited, LLP or Partnership within 10 years of incorporation, turnover under ₹100 Crore, with at least two founders and an advanced/emerging-tech solution.
IndiaAI Health Innovation
DPIIT-recognised Indian companies (registered under the Companies Act 2013, at least 51% Indian ownership) with a proprietary AI/ML solution applicable to healthcare regulatory or clinical workflows.
RDIF Scheme
DPIIT-recognised Indian companies (Pvt Ltd, LLP or Partnership) headquartered in India and controlled by resident Indians, with technology at TRL 4 or above in national-priority sectors like AI, DeepTech or Climate energy.
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