Refine Answers15–35% capital subsidy for new micro enterprises. Higher subsidy for SC/ST, women & NER applicants. Implemented through KVIC.
Navigate India’s complex subsidy landscape with expert guidance. We help you identify, apply, and secure government subsidies to reduce your business costs and maximize growth potential.
3 quick steps · No login needed
Most businesses miss subsidies they qualify for not because they don’t exist, but because navigating 500+ schemes across central and state governments is nearly impossible alone.
Access verified schemes from central and state governments
Complete assistance from application to disbursement
Subsidy data flows directly into your DPR. No re-entry, no manual errors bank-ready format.
Dedicated subsidy consultants to maximize your benefits
Explore various government schemes and subsidies available for your business
15–35% capital subsidy for new micro enterprises. Higher subsidy for SC/ST, women & NER applicants. Implemented through KVIC.
Government credit guarantee covering up to 85% of loan amount for MSMEs. No collateral required for viable projects.
Capital investment subsidy at 15% of eligible fixed assets for units set up in notified backward areas of Maharashtra.
35% capital subsidy for food processing infrastructure. Covers cold chain, value addition, and preservation infrastructure.
Loans from ₹10 lakh to ₹1 crore for SC/ST and women borrowers setting up greenfield enterprises.
Capital and interest subsidy for MSMEs in notified areas. Priority to women and first-generation entrepreneurs.
Most businesses miss subsidies they qualify for simply because the landscape is too complex to navigate alone. Vittus maps every scheme to your business profile in minutes.
Join businesses already using Vittus to unlock subsidies.
Free to start · Results in minutes
Everything you need to know about accessing government subsidies
We currently support DPR preparation and application assistance for: PMEGP (Prime Minister’s Employment Generation Programme), CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), MUDRA (Micro Units Development and Refinance Agency), Stand-Up India (for SC/ST and women entrepreneurs), and select state-level MSME subsidy schemes. Scheme availability and terms are subject to government notifications and may change.
PMEGP is a central government scheme for new micro enterprises. The subsidy (called margin money) ranges from 15% to 35% of project cost depending on your category and location. Important: the subsidy is not upfront cash. The bank disburses the full loan, and the subsidy is deposited as a fixed deposit released after a 3-year lock-in. Maximum project cost: ₹50 Lakh (manufacturing), ₹20 Lakh (service). LoanVittus prepares your DPR in the format required by the nodal agency.
You may be eligible if you are 18+ years old, have passed at least 8th standard (for projects above ₹10 Lakh in manufacturing or ₹5 Lakh in service), the project is a new unit (not expansion), and you haven’t availed another government subsidy for the same project. Eligibility is verified by the nodal agency (KVIC, KVIB, or DIC).
CGTMSE provides a credit guarantee to banks, allowing them to lend to MSMEs without requiring collateral or third-party guarantee for loans up to ₹2 Crore. This means the bank’s risk is partially covered by the guarantee trust, making them more willing to lend. LoanVittus prepares your application and DPR in CGTMSE-compliant format. Note: CGTMSE coverage is not automatic the bank must apply for the guarantee, and approval is at the discretion of CGTMSE and the bank.
MUDRA provides loans to micro and small enterprises through banks: Shishu (up to ₹50,000), Kishore (₹50,001 to ₹5 Lakh), Tarun (₹5,00,001 to ₹10 Lakh). No collateral required. Available for manufacturing, trading, and service activities. LoanVittus helps identify the right category and prepares documentation.
Bank loans between ₹10 Lakh and ₹1 Crore for at least one SC/ST and one woman borrower per bank branch, for greenfield enterprises in manufacturing, services, or trading. LoanVittus prepares the DPR and assists with documentation.
Identity and address proof (PAN, Aadhaar), educational qualification proof (for PMEGP), caste certificate (for category benefits), EDP/skill training certificate (if applicable), project cost estimates, and the DPR in scheme specific format (which LoanVittus generates). Requirements vary by scheme and nodal agency.
Application to bank sanction: 30-90 days. Sanction to disbursement: 15-45 days. Subsidy margin money credit: within 30 days of disbursement (varies). PMEGP lock-in: 3 years. Timelines vary by bank, scheme, and district. A well-prepared DPR and complete documentation substantially reduce processing time.
You generally cannot avail subsidy under more than one scheme for the same project. However, CGTMSE guarantee coverage can be used alongside a subsidy scheme (since CGTMSE is a guarantee, not a subsidy). LoanVittus advises on the best scheme combination for your project.
No. Subsidy approval is determined by the nodal agency and the bank. LoanVittus ensures your DPR and application are in the correct format with complete documentation, which significantly improves your chances. The final decision rests with the scheme authorities.
Take the first step towards your business goals. Apply for a loan today and experience the VITTUS difference.
Take the first step towards your business goals. Apply for a loan today and experience the VITTUS difference.