Prime Minister's Employment Generation Programme (PMEGP)

हे काय आहे?

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.

संभाव्य 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.

कोण अर्ज करू शकते?

• Age 18 or above

  ही माहिती कोठून आली

  Any individual, above 18 years of age

  अधिकृत स्रोत ↗
• You run a business or want to start one हे बंधनकारक नाही, पण तुमची शक्यता वाढवते

  ही माहिती कोठून आली

  Any individual, above 18 years of age

  अधिकृत स्रोत ↗
• Special category applicants receive a higher subsidy and contribute less हे बंधनकारक नाही, पण तुमची शक्यता वाढवते

  ही माहिती कोठून आली

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

  अधिकृत स्रोत ↗
• Women are a special category and receive a higher subsidy हे बंधनकारक नाही, पण तुमची शक्यता वाढवते

  ही माहिती कोठून आली

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

  अधिकृत स्रोत ↗
• Rural projects receive a higher subsidy rate than urban ones हे बंधनकारक नाही, पण तुमची शक्यता वाढवते

  ही माहिती कोठून आली

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

  अधिकृत स्रोत ↗

सरकारने सांगितलेल्या इतर अटी

• 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.

पात्रतेची माहिती केवळ माहितीसाठी दिली आहे. अंतिम पात्रता व मंजुरी संबंधित सरकारी प्राधिकरण ठरवते.

तुम्हाला लागणारी कागदपत्रे

आम्हाला अधिकृत स्रोतावरून कागदपत्रांची यादी निश्चित करता आली नाही, म्हणून अंदाज लावण्याऐवजी आम्ही ती वगळली आहे. वर दिलेल्या अधिकृत स्रोतावर पहा.

अर्ज कसा करावा

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.

अर्ज कुठे करावा: online and bank

अंतिम मुदत

ठराविक अंतिम मुदत नाही. अर्ज सतत स्वीकारले जातात.