Government schemes

Bank loans for building farm infrastructure such as warehouses, cold stores and processing units, with 3% interest subvention on up to Rs 2 crore per project and credit guarantee cover.

Potential benefit Up to ₹2,00,00,000 loan amount eligible for interest subvention, per project per location

A home loan interest subsidy of up to Rs 1.80 lakh for economically weaker, low and middle income households in cities buying or building a house worth up to Rs 35 lakh.

Potential benefit Up to ₹1,80,000 one time, released in 5 yearly instalments

A bank credit card for farmers giving short-term crop loans at a concessional interest rate, with an interest subvention that can bring the effective rate down to 4% a year on prompt repayment.

Potential benefit Up to ₹5,00,000 loan limit covered by interest subvention

Collateral-free working capital loans for street vendors, starting at up to Rs 15,000 and rising to Rs 50,000 on timely repayment, with an interest subsidy and cashback for digital payments.

Potential benefit ₹15,000 – ₹50,000 per loan tranche

Recognition, skill training with a daily stipend, a Rs 15,000 toolkit voucher and cheap collateral-free loans for traditional artisans.

Potential benefit ₹15,000 – ₹3,00,000 package

A zero-balance bank account for people who do not have one, with a free RuPay debit card carrying accident insurance cover and an overdraft facility of up to Rs 10,000 for eligible account holders.

Potential benefit ₹10,000 – ₹2,00,000

Collateral-free business loans up to Rs 20 lakh for small non-farm enterprises, through banks and other lenders.

Potential benefit ₹50,000 – ₹20,00,000 loan amount

Collateral-free, guarantor-free education loans for students admitted to 860 top institutions, plus 3 percent interest help on loans up to Rs 10 lakh for families earning up to Rs 8 lakh a year.

Bank loan plus a government subsidy of 15 to 35 per cent to help you set up a new micro enterprise.