What is PMEGP and who is eligible?

PMEGP (Prime Minister's Employment Generation Programme) provides subsidies of 15%–35% for new manufacturing and service units. Any Indian citizen above 18 years with a business plan can apply. NaavBharat provides end-to-end PMEGP application support.

What is the CGTMSE collateral requirement?

CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) provides collateral-free credit guarantees up to ₹5 Crore for MSMEs with Udyam registration. No collateral or third-party guarantee is required.

What are the Mudra loan limits?

Mudra loans are offered in four tiers: Shishu (up to ₹50,000), Kishore (₹50,001 to ₹5 Lakh), Tarun (₹5 Lakh to ₹10 Lakh), and Tarun Plus (₹10 Lakh to ₹20 Lakh). All tiers are collateral-free.

How does NaavBharat charge for its services?

NaavBharat operates on a success-linked advisory model with zero upfront fees. We charge only upon successful scheme disbursement. The initial eligibility consultation is completely free.

How long does PMEGP application processing take?

With complete documentation, PMEGP applications typically take 45–90 days from submission to sanction. NaavBharat's 98.6% approval rate is achieved through thorough pre-submission document review and bank coordination.

What documents are needed for CGTMSE?

CGTMSE requires Udyam Registration Certificate, business plan or project report, last 2 years ITR (if applicable), bank statements, KYC documents, and the loan application from a member lending institution (MLI).

Does NaavBharat help with GST registration and Udyam certification?

Yes. NaavBharat provides complete Certification services including GST registration, Udyam/MSME certification, FSSAI license, IEC (Import Export Code), trademark registration, and company incorporation for Pvt Ltd and LLP structures.

Can I apply for multiple schemes at the same time?

In many cases, yes. For example, you can get Udyam registration + PMEGP + CGTMSE coverage simultaneously. Some schemes are mutually exclusive (e.g., PMEGP and Mudra for the same business unit), which is why expert advisory matters.

Does NaavBharat work across all Indian states?

Yes. NaavBharat operates pan-India — we have facilitated approvals in Maharashtra, Delhi, Karnataka, Tamil Nadu, UP, MP, Rajasthan, West Bengal, and 20+ other states. Remote advisory is available for all states.

I already tried applying myself and was rejected. Can NaavBharat help?

Yes. We handle many cases where initial self-applications were rejected due to incomplete DPRs, wrong implementing agencies, or documentation errors. We review your case, identify the issue, and reapply with a stronger submission.

How does NaavBharat charge for its services?

NaavBharat operates on a success-linked model — zero upfront fees. We charge only upon successful scheme disbursement. The initial 360° scheme assessment call is completely free.

What is the total MSME funding I can access?

Depending on your profile, you could potentially access: PMEGP subsidy (₹2–17.5 Lakh) + CGTMSE-covered loan (up to ₹5 Crore) + Mudra working capital (up to ₹20 Lakh) + Stand-Up India (if SC/ST/Women). NaavBharat maps your total capital entitlement.

15+ Schemes₹2,400 Cr+ Facilitated8,200+ MSMEs Served

Government Scheme Guide

What is MSME Loan?MSME Loan Consultancy — All Government Schemes

End-to-End MSME Loan Advisory — 15+ Schemes, Pan-India

₹2,400 Cr+

Capital Facilitated

8,200+

MSMEs Advised

15+

Govt Schemes Covered

98.6%

Approval Rate

Overview

MSME Loan — Explained

Getting MSME funding from the government is not just about filling one form. There are 15+ schemes — PMEGP, CGTMSE, Mudra, PMFME, Stand-Up India, CLCSS, SIDBI, NSIC, Startup India — each with different eligibility, processes, and benefits. Most MSMEs leave significant capital on the table because they don't know which schemes apply to them.

NaavBharat is a full-spectrum MSME capital advisory firm. Our team includes ex-SIDBI officers, KVIC-certified advisors, Chartered Accountants, and legal experts who have collectively processed over 8,200 MSME scheme applications across 28 states.

We don't just recommend a scheme — we execute the entire process: Udyam registration, project report preparation, bank coordination, application submission, follow-up, and post-sanction compliance.

Eligibility

Who Can Apply?

Any Indian MSME — manufacturing, service, or trade sector
New enterprises (PMEGP, Stand-Up India, Startup Seed Fund)
Existing enterprises (CGTMSE, Mudra, CLCSS, SIDBI, NSIC)
All categories — General, SC/ST, OBC, Women, Minority, Ex-servicemen
Sole proprietors, partnerships, LLPs, Pvt Ltd companies, SHGs, FPOs
Pan-India — all 28 states and 8 Union Territories

Documents

Documents Required

Aadhaar Card & PAN Card

All schemes require this

Udyam Registration Certificate

For most schemes — we arrange if missing

Business Plan / Project Report

We prepare scheme-specific DPRs

Bank Statements (6–12 months)

For existing businesses

ITR (Last 2–3 Years)

For established businesses

Category Certificates

SC/ST, OBC, Women, Minority as applicable

Frequently Asked Questions

MSME Loan — FAQs

Free Consultation

Want Help Applying for MSME Loan?

NaavBharat offers a free eligibility check — our advisors match your business profile to the highest-value applicable schemes at no upfront cost.

Check My Eligibility — Free