Government Loan Schemes India 2026
Find the right government scheme for you. From Mudra loans for small business to PMAY housing subsidy — check what you're eligible for, completely free.
Find Your Eligible Scheme
Answer 3 quick questions to find government schemes you qualify for
All Government Loan Schemes 2026
Click on any scheme to learn more about eligibility and how to apply
Pradhan Mantri Mudra Yojana
Provides loans to non-corporate small and micro enterprises for income-generating activities. Covers Shishu (up to ?50K), Kishore (up to ?5L), Tarun (…
Who is Eligible?
Any Indian above 18 years running non-farm micro/small enterprise. No CIBIL requirement for Shishu loans.
How to Apply?
Visit nearest bank/NBFC branch or apply online at mudra.org.in. Fill Mudra Loan Application form.
PM SVANidhi – Street Vendor Loan
Micro-credit facility for street vendors to resume livelihoods affected by COVID-19. Collateral-free working capital loans.
Who is Eligible?
Street vendors with vending certificate or letter of recommendation from Urban Local Body.
How to Apply?
Apply through PM SVANidhi Mobile App or visit bank branch. Ensure you have vendor certificate from ULB.
Pradhan Mantri Awas Yojana – Urban
Credit linked subsidy scheme (CLSS) making home loans affordable for EWS, LIG and MIG categories.
Who is Eligible?
EWS: Annual income up to ?3 lakh. LIG: ?3-6 lakh. MIG-I: ?6-12 lakh. MIG-II: ?12-18 lakh. First-time home buyers only.
How to Apply?
Apply through any bank/HFC under PMAY. Visit your nearest bank and mention PMAY CLSS benefit.
Kisan Credit Card Scheme
Short-term credit needs of farmers for crop cultivation, post-harvest expenses, maintenance of farm assets and allied activities.
Who is Eligible?
All farmers – individual or joint borrowers, tenant farmers, oral lessees, share croppers, SHGs. No minimum land holding.
How to Apply?
Visit nearest bank branch especially cooperative banks, RRBs, commercial banks. Fill KCC application form.
PM Employment Generation Programme
Credit-linked subsidy scheme to generate employment through establishment of micro-enterprises in non-farm sector.
Who is Eligible?
Age 18+ for loans above ?10 lakh in manufacturing (8th standard pass). No income ceiling. Existing enterprises not eligible.
How to Apply?
Apply online at kviconline.gov.in/pmegp. Attend EDP training after initial approval.
Stand Up India
Facilitates bank loans between ?10 lakh and ?1 crore to at least one SC or ST borrower and at least one woman borrower per bank branch for setting up …
Who is Eligible?
SC/ST or Women entrepreneur. Setting up new (greenfield) business in manufacturing, trading or services.
How to Apply?
Apply at standupmitra.in or visit your bank branch. Mention Stand Up India scheme specifically.
National Rural Livelihood Mission
Provides affordable credit to self-help groups (SHGs) to reduce rural poverty and empower women.
Who is Eligible?
Women SHG members in rural areas. SHG must have regular meetings and savings for 6+ months.
How to Apply?
Contact nearest Block office or District Rural Development Agency (DRDA) to form/join an SHG.
PM Jan Dhan Yojana Overdraft
Overdraft facility up to ?10,000 for Jan Dhan account holders without any collateral or guarantor.
Who is Eligible?
All PMJDY account holders above 18 years. Account should be active for at least 6 months. Preferably women account holders.
How to Apply?
Apply at your bank branch where PMJDY account is held. Submit OD application form.