Government Loan Schemes 2025 for Business – Loansathi.in List
Government Loan Schemes 2025 for Business – Loansathi.in Complete List
Starting or expanding a business in India often requires financial support, and government-backed loan schemes are among the most trusted and affordable options available. These schemes provide low-interest funding, flexible repayment, subsidy benefits, credit guarantee support and startup-friendly assistance. This detailed 2025 guide by Loansathi.in explains every major government loan scheme designed for small, medium, startup and rural businesses.
Why Choose a Government Business Loan in 2025?
Government schemes are designed to support entrepreneurs who may not qualify for private bank loans. With lower requirements and official backing, these options provide easier approval and long-term benefits for MSMEs, startups and self-employed professionals.
Every scheme below includes a direct official information link or form link wherever applicable. For private-business loan alternatives, apply through Loansathi approved categories: Business Loan or Startup/MSME Loan.
Complete List of Government Loan Schemes 2025
1. PM Mudra Loan (Shishu, Kishor, Tarun)
Mudra loans are one of the most widely used government-funded business loans for small entrepreneurs. This scheme supports small shops, traders, service providers, startups, women entrepreneurs and micro-businesses.
Loan Amount:- Shishu: Up to ₹50,000
- Kishor: ₹50,000 – ₹5,00,000
- Tarun: Up to ₹10,00,000
- Small businesses
- Vendors, shopkeepers
- Self-employed entrepreneurs
- Micro service providers
2. PMEGP – Prime Minister Employment Generation Programme
PMEGP is ideal for manufacturing, trading and service businesses who want larger funding support with subsidy benefits.
Loan Amount: Up to ₹50,00,000Subsidy: 15%–35%
Ideal For: New entrepreneurs, small factories, production units Official Link: https://www.kviconline.gov.in
3. Stand-Up India Loan Scheme
This scheme supports women entrepreneurs and individuals belonging to SC/ST categories.
Loan Amount: ₹10,00,000 – ₹1 Crore Eligible Business: Manufacturing, trading, services, greenfield projects Official Link: https://www.standupmitra.in4. MSME Loan Under Credit Guarantee Fund (CGTMSE)
This scheme allows funding without any collateral (no property required).
Loan Amount: Up to ₹2 Crore Security: No collateral required Target: Small and medium enterprises Official Link: https://www.cgtmse.in5. SIDBI Make in India Soft Loan (SMILE)
Supports MSMEs looking for modernization, expansion and new technology adoption.
Loan Amount: Up to ₹50,00,000 Sector: Manufacturing & industrial units Official Link: https://www.sidbi.in6. National SC/ST Hub Scheme
Aimed at supporting SC/ST entrepreneurs with credit assistance, market support and training.
Loan Amount: Project-dependent Eligible: Registered SC/ST-owned units Official Link: https://www.scsthub.in7. Dairy Entrepreneurship Development Scheme (DEDS)
Supports dairy, milk production, livestock and cold storage businesses.
Loan Amount: ₹1 Lakh – ₹25 Lakh Subsidy: Up to 33% Official Link: https://dahd.nic.in8. National Agriculture Infrastructure Fund
Financing for warehouses, cold storage, logistics, processing units and agricultural startups.
Loan Amount: Up to ₹2 Crore Interest Subsidy: Up to 3% Official Link: https://www.agriinfra.dac.gov.in9. PM SVANidhi Loan for Street Vendors
Street vendors can take small working capital loans with cashback rewards.
Loan Amount: ₹10,000 → ₹20,000 → ₹50,000 (three stages) Official Link: https://pmsvanidhi.mohua.gov.in10. Atmanirbhar Bharat Loan Support (ECLGS)
Provides working capital loans for MSMEs affected by economic slowdown.
Loan Amount: Up to ₹2 Crore Type: Emergency credit line Official Link: https://www.eclgs.comPrivate Business Loan Alternatives – If Government Schemes Do Not Fit You
If you need fast approval or do not qualify for government schemes, you can apply for these categories through Loansathi:
Which Scheme is Best for You?
| Type of Business | Best Scheme |
|---|---|
| Small shops / traders | Mudra Loan |
| Manufacturing | PMEGP |
| Women Entrepreneurs | Stand-Up India |
| No collateral borrowers | CGTMSE |
| Agriculture / Dairy | DEDS |
Final Conclusion
Government loan schemes in 2025 offer powerful support to new and growing businesses. Whether you are starting a small shop, planning a factory, launching a startup or expanding a rural enterprise, these schemes provide affordable credit with strong financial backing. If you require faster approval or personalized guidance, Loansathi.in can assist you with business loans, startup funding and MSME financing.