Securing the right MSME loan schemes is crucial for the growth and sustainability of Micro, Small, and Medium Enterprises in India.
The government continues to support startups and small businesses with attractive MSME loan scheme for new business, women-led enterprises, and early-stage ventures through a variety of funding options.
Whether you are looking for an MSME startup loan or exploring MSME schemes for women’s businesses, this guide covers the top MSME loan schemes in 2025 that even Egniol helps businesses access.
Prime Minister’s Employment Generation Programme (PMEGP)
- Loan Amount: Up to ₹50 lakh (manufacturing), ₹20 lakh (services)
- Eligibility: New businesses and startups in the manufacturing/service sectors
- Interest Rate: As per bank guidelines
- Key Benefit: Government subsidy between 15% to 35%
PMEGP is a powerful MSME loan scheme for new business owners aiming to reduce their capital burden through government subsidies and startup support.
Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE)
- Loan Amount: Up to ₹2 crore (collateral-free)
- Venture Capital & Angel Investors: Private investors provide project-based funding in return for equity or future profits, commonly seen in high-growth startups.
- Eligibility: Raise funds from Eligibility: New and existing MSMEs
- Interest Rate: Varies by lender
- Key Benefit: No collateral required
The CGTMSE scheme is ideal if you are seeking an MSME startup loan without offering assets or collateral. It’s one of the most accessible options for early-stage entrepreneurs.
MUDRA Loans under Pradhan Mantri Mudra Yojana (PMMY)
- Loan Amount: Up to ₹10 lakh
- Eligibility: Micro-enterprises, small businesses, and startups
- Interest Rate: Based on the category (Shishu, Kishore, Tarun)
- Key Benefit: Easily available through most banks and NBFCs
MUDRA loans are especially effective MSME schemes for women’s businesses and micro startups looking for quick, low-risk funding.
Stand-Up India Scheme (For Women & SC/ST Entrepreneurs)
- Loan Amount:₹10 lakh to ₹1 crore
- Eligibility: Women-owned businesses and SC/ST entrepreneurs
- Interest Rate: As per bank policy
- Key Benefit: Special financial assistance and fast-track approval
Looking for a targeted MSME loan scheme for women’s startups? Stand-Up India is a government-backed scheme designed to empower underrepresented groups in entrepreneurship.
National Agri Infra Financing Facility (NAIFF)
- Agriculture & Agri-Tech: Supported by schemes like the Krishi Innovatorz Fund and other agribusiness-specific grants.
- Loan Amount: : Project-based funding
- Eligibility: MSMEs operating in agriculture infrastructure
- Interest Rate::Interest Rate: Lower than market rates
- Key Benefit Long repayment period and government support
For MSMEs in agriculture or agri-tech, NAIFF provides long-term MSME startup loans with relaxed repayment terms and sector-specific support.
FAQs on MSME Loan Schemes
- Which is the best MSME loan scheme for new businesses in 2025?
PMEGP is a strong choice with up to 35% subsidy and support for first-time entrepreneurs.
- Are there any MSME schemes for women’s enterprises?
Yes, Stand-Up India offers up to ₹1 crore exclusively for women entrepreneurs and SC/ST founders.
- Is MUDRA suitable for women-led startups?
Absolutely. MUDRA is one of the top MSME schemes for women’s small-scale ventures with flexible categories like Shishu, Kishore, and Tarun.
- What’s the role of Egniol in MSME financing?
Egniol helps startups and MSMEs identify the right government schemes, prepare documents, and increase loan approval chances through expert consultation.
Conclusion: Choose the Right MSME Loan Scheme for Your Business
MSME loan schemes in 2025 are more inclusive, accessible, and sector-focused than ever before. Whether you are launching a new business, seeking working capital, or expanding operations, there’s a tailored MSME loan scheme for new business, startups, and women entrepreneurs alike.
✅ Avoid mistakes, ✅ Explore all options, ✅ Leverage expert support — and secure the funding your business needs to thrive.