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.

Is Udyam Registration mandatory for MSME schemes?

Yes. Udyam Registration is mandatory for accessing CGTMSE, Mudra Tarun Plus, PMEGP, Stand-Up India, CLCSS, GeM marketplace, and priority sector lending. Without it, banks will not process your MSME loan application.

Is Udyam Registration free?

Yes. The government portal udyamregistration.gov.in provides free registration. There are no government fees whatsoever. NaavBharat charges a nominal facilitation fee for professional registration to ensure accuracy.

My Udyog Aadhar is already registered. Do I need to migrate?

Yes. All Udyog Aadhar registrations were required to migrate to Udyam. Udyog Aadhar is no longer valid for accessing government schemes. NaavBharat facilitates seamless Udyog Aadhar to Udyam migration.

How is my MSME category (Micro/Small/Medium) determined?

Based on annual turnover and investment in plant & machinery or equipment. Micro: Investment ≤ ₹1 Cr, Turnover ≤ ₹5 Cr. Small: Investment ≤ ₹10 Cr, Turnover ≤ ₹50 Cr. Medium: Investment ≤ ₹50 Cr, Turnover ≤ ₹250 Cr. These figures are auto-fetched from your linked ITR.

Can a freelancer or home-based business get Udyam Registration?

Yes. Any person running a service or manufacturing activity — including freelancers, home-based food businesses, and cottage industries — can register on Udyam as a Micro Enterprise.

100% Free RegistrationMandatory for All SchemesLifetime Certificate

Government Scheme Guide

What is Udyam Registration?MSME Udyam Registration — Ministry of MSME

Official MSME Recognition — Free, Lifetime, Instant

Free

Registration Fee

Same Day

Certificate Issued

Lifetime

Validity

15+ Schemes

Unlocked by Udyam

Overview

Udyam Registration — Explained

Udyam Registration is the official MSME classification portal launched by the Ministry of MSME in 2020, replacing the earlier Udyog Aadhar system. It classifies enterprises as Micro, Small, or Medium based on annual turnover and investment in plant and machinery.

Micro Enterprise: Investment ≤ ₹1 Crore, Turnover ≤ ₹5 Crore. Small Enterprise: Investment ≤ ₹10 Crore, Turnover ≤ ₹50 Crore. Medium Enterprise: Investment ≤ ₹50 Crore, Turnover ≤ ₹250 Crore.

Udyam Registration is the gateway to all MSME government schemes — PMEGP, CGTMSE, Mudra Tarun Plus, Stand-Up India, CLCSS, NSIC, GeM marketplace, priority sector lending, and protection under the MSME payments act (MSMED Act).

Eligibility

Who Can Apply?

Any manufacturing, service, or trading enterprise in India
Sole proprietorships, partnerships, LLPs, companies, SHGs, co-operatives
No minimum turnover or size requirement
Both new and existing enterprises — register anytime
One Udyam Registration per enterprise (one PAN = one Udyam)
Farm-sector enterprises not eligible; agri-allied activities are eligible

Documents

Documents Required

Aadhaar Card (Proprietor / MD)

Mandatory — OTP verification required

PAN Card of the Enterprise

Mandatory for all enterprise types

GSTIN

Mandatory if GST-registered; optional otherwise

Bank Account Details

Account number and IFSC

Business Activity Description

NIC code selection for your industry

Investment & Turnover Figures

Auto-fetched from ITR in most cases

Frequently Asked Questions

Udyam Registration — FAQs

Related Schemes

CGTMSE PMEGP Mudra Loan Startup India

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Want Help Applying for Udyam Registration?

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

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