🇮🇳 Key Government Schemes for Startup Loans
MUDRA Loan (Micro Units Development and Refinance Agency)
For: Micro and small businesses (including startups)
Loan Amount: ₹50,000 to ₹10 lakh
Categories:
Shishu (up to ₹50,000)
Kishor (₹50,000–₹5 lakh)
Tarun (₹5–10 lakh)
Collateral: No collateral required
Stand-Up India Scheme
For: Women, SC/ST entrepreneurs
Loan Amount: ₹10 lakh to ₹1 crore
Purpose: Setting up greenfield enterprise in manufacturing, services, or trading
Collateral: May require depending on lender
Repayment: 7-year tenure with moratorium up to 18 months
Credit Guarantee Fund for Startups (CGSS)
Managed by: SIDBI (Small Industries Development Bank of India)
Offers: Collateral-free credit guarantee up to ₹10 crore per borrower
Eligibility: DPIIT-recognized startups
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SIDBI Assistance to Startup Ecosystem
Offers: Term loans, working capital, and equity financing to eligible startups
Also supports accelerators and incubators
Fund of Funds for Startups (FFS)
Corpus: ₹10,000 crore
Managed by: SIDBI
Purpose: Provides capital to venture capital funds, which in turn invest in startups
✅ Eligibility for Startup Loans
| Requirement | Description |
|---|---|
| DPIIT recognition | Startup must be recognized under Startup India |
| Business stage | Should be new or early-stage (Greenfield) |
| Sector | Manufacturing, services, trading, agri-tech, fintech, healthtech, etc. |
| Compliance | Registered as a Pvt. Ltd., LLP, or partnership firm |
📋 Documents Typically Required
Business plan or project report
Company registration & PAN
Founder’s Aadhaar & KYC
DPIIT recognition certificate
Income tax returns (if available)
Projected financials