Business & Education Schemes – Apply Online & Get Approval
The Government of India provides several subsidy loan schemes in 2025 to support small businesses, entrepreneurs, and students. These loans offer low interest, collateral-free options, and online applications to reduce financial barriers. By leveraging these schemes, you can start or expand your business, pursue higher education, or acquire new skills without financial stress.
These schemes include Pradhan Mantri MUDRA Yojana (PMMY), Stand-Up India, CGTMSE, PMEGP, and student-focused programs like PM-Vidya Lakshmi Scheme, Central Sector Interest Subsidy (CSIS), and Skill Loan Scheme.
Collateral-free loans up to ₹20 lakh for small enterprises. Interest starts at 7.5% per annum. Suitable for shop owners, service providers, and artisans.
Bank loans ₹10 lakh–₹1 crore for SC/ST & women entrepreneurs. Includes mentoring, tech guidance, and digital support.
Provides collateral-free credit up to ₹5 crore for micro & small enterprises. Encourages banks to lend without demanding security.
Subsidy 15–20% of project cost for micro-enterprises in rural & urban areas. Promotes employment generation.
Loans up to ₹10 lakh with 3% interest subvention for families earning ≤ ₹8 lakh/year. Collateral-free.
Full interest subsidy for technical/professional courses for families earning ≤ ₹4.5 lakh/year.
Collateral-free loans up to ₹1.5 lakh for vocational courses from recognized institutions.
Apply via JanSamarth Portal. Check eligibility, submit KYC, upload income proofs, and receive digital approval. Fast, transparent, and hassle-free.
Small businesses, entrepreneurs, students, and skill course aspirants meeting scheme eligibility.
Many schemes offer collateral-free options. Check specific scheme requirements.
Online applications may get approved within 24–72 hours depending on documentation.
Yes, schemes like Stand-Up India provide targeted support for women.
This page provides general information on Government Subsidy Loans for business and education in India for educational purposes only. It is not financial or investment advice. For personalized guidance, consult a certified financial advisor or bank representative. All Finance Store is not responsible for any financial decisions or losses based on this content.