Prime Minister's Employment Generation Programme (PMEGP)

यह क्या है?

PMEGP helps people start new micro enterprises by combining a bank loan with a government subsidy. You put in a small share of the project cost yourself, the government contributes a margin money subsidy, and a bank finances the balance.

The subsidy rate depends on two things: where the unit is located, and whether you belong to a special category. Rural projects attract a higher rate than urban ones, and applicants from SC, ST, OBC, minority, women, ex-servicemen, differently-abled and hill or border area backgrounds receive more while also contributing less of their own money.

The programme is deliberately open. There is no income ceiling and anyone over 18 can apply. The main restrictions are that the enterprise must be new, only one person per family can benefit, and larger projects require a minimum level of schooling.

संभावित लाभ

Margin money subsidy of 15 per cent (urban) or 25 per cent (rural) for general category applicants, and 25 per cent (urban) or 35 per cent (rural) for special category applicants. Maximum project cost Rs 50 lakh for manufacturing and Rs 20 lakh for business or service units. Potential benefit subject to bank sanction and official approval.

कौन आवेदन कर सकता है?

• Age 18 or above

  यह जानकारी कहाँ से आई

  Any individual, above 18 years of age

  आधिकारिक स्रोत ↗
• You run a business or want to start one यह अनिवार्य नहीं है, पर आपकी संभावना बढ़ाता है

  यह जानकारी कहाँ से आई

  Any individual, above 18 years of age

  आधिकारिक स्रोत ↗
• Special category applicants receive a higher subsidy and contribute less यह अनिवार्य नहीं है, पर आपकी संभावना बढ़ाता है

  यह जानकारी कहाँ से आई

  Special (including SC / ST / OBC /Minorities/Women, Ex-servicemen, Physically handicapped, NER, Hill and Border areas etc.

  आधिकारिक स्रोत ↗
• Women are a special category and receive a higher subsidy यह अनिवार्य नहीं है, पर आपकी संभावना बढ़ाता है

  यह जानकारी कहाँ से आई

  Special (including SC / ST / OBC /Minorities/Women, Ex-servicemen, Physically handicapped, NER, Hill and Border areas etc.

  आधिकारिक स्रोत ↗
• Rural projects receive a higher subsidy rate than urban ones यह अनिवार्य नहीं है, पर आपकी संभावना बढ़ाता है

  यह जानकारी कहाँ से आई

  General Category [contribution] 10% [Urban] 15% [Rural] 25%

  आधिकारिक स्रोत ↗

सरकार द्वारा बताई गई अन्य शर्तें

• There is no income ceiling for assistance under this scheme.
• For projects costing above Rs 10 lakh in manufacturing or Rs 5 lakh in the service sector, you must have passed at least Class 8.
• Only one person from a family is eligible.
• Only new enterprises qualify. Units already receiving a subsidy under another central or state government scheme are not eligible.
• The unit must be registered on the Udyam portal before physical verification and adjustment of the subsidy.

पात्रता संबंधी जानकारी केवल सूचना के उद्देश्य से दी गई है। अंतिम पात्रता और स्वीकृति का निर्णय संबंधित सरकारी प्राधिकरण करता है।

आपको जिन दस्तावेज़ों की ज़रूरत होगी

हम किसी आधिकारिक स्रोत से दस्तावेज़ों की सूची की पुष्टि नहीं कर पाए, इसलिए अनुमान लगाने के बजाय हमने इसे छोड़ दिया है। ऊपर दिए आधिकारिक स्रोत पर देखें।

आवेदन कैसे करें

Apply online through the PMEGP e-portal, choosing an implementing agency (KVIC, your State Khadi and Village Industries Board, or the District Industries Centre). A district-level task force interviews and scores you, and approved cases go to a bank for loan appraisal and sanction. After the loan is sanctioned and you complete entrepreneurship development training, the subsidy is released to the bank and later adjusted against your loan.

आवेदन कहाँ करें: online and bank

अंतिम तिथि

कोई निश्चित अंतिम तिथि नहीं। आवेदन लगातार स्वीकार किए जाते हैं।