🏛️
भारत सरकार MSME अधिकृत गेटवे

MUDRA SAHAY

Smart Credit & Subsidy Advisory Gateway

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🏛️ सशक्त MSME • #1 अधिकृत सब्सिडी व बैंक लोन गेटवे

FUEL YOUR BUSINESS GROWTH
WITH FAST-TRACK GOVT CAPITAL & 35% SUBSIDY

Accelerating |

Unlock ₹5 Lakhs to ₹10 Crores in collateral-free funding with guaranteed government capital subsidies, 48-hour sanction advisory, and direct institutional debt facilitation.

⚡ Check Scheme Eligibility in 10 Sec📞Call Helpline: +91 6357 250 668
48 HRSQuick Sanction
₹500Cr+Funded (Since 2024)
96.4%Approval Rate
100%Direct Portal
✓
₹35,00,000 PMEGP Grant
Direct DIC Credit Approved
PAN-INDIA GATEWAY28+ STATES
Verified District Disbursal Desks
MUDRA SAHAY • SMART CREDIT
Govt Nodal Pass
4028•••••••••••9142
Enterprise Holder
BHARAT MSME VENTURES
Valid Thru • Since 2024
12/28
🛡️
CGTMSE ₹5 Cr Guarantee
Zero Property Collateral Pledged
⚡
48-Hr Nodal Sanction
Direct Bank Disbursal

Certifications, Accreditations & Statutory Recognitions

🏛️

DPIIT Recognized

Officially Certified Startup India Portal

🏅

ISO 9001:2015

Quality Management System Standard

🛡️

GeM Registered

Government e-Marketplace Primary Vendor

⭐

Ex-SIDBI Standards

Institutional Underwriting & DPR Audits

Live MSME Capital Disbursal Radar

NATIONAL SUBSIDY & CREDIT FLOW VELOCITY

Transparent, quarter-by-quarter tracking of government grants facilitated, bank debt sanctioned, and industrial enterprises empowered across 28+ States.

Live National Fund Analytics • Operating Since 2024

MSME SUBSIDY & CREDIT DISBURSAL

₹500 Cr+
+42.8% YoY Velocity
Q1 2026 (Current)
₹500+ Cr (₹175 Cr Grant)
PMEGP Capital Grants₹165 Cr
CGTMSE Loans Sanctioned₹225 Cr
Mudra Quick Disbursals₹110 Cr
⚡ Instant Scheme & Subsidy Matcher

CHECK YOUR MSME GOVT SUBSIDY ELIGIBILITY

Calculate your non-refundable capital grant percentage & get matched with top schemes in 10 seconds.

2. Required Funding Amount₹25.0 Lakhs
₹5 Lakhs₹25 Lakhs₹50 Lakhs
Estimated Non-Refundable Govt Subsidy
₹8.75 Lakhs

(35% direct government grant on ₹25.0L under PMEGP / MSME scheme)

Matched Schemes:PMEGP & CGTMSE
Collateral Requirement:Zero Collateral (Govt Backed)
Estimated Bank Sanction:7 – 15 Working Days
Claim Matched Subsidy & Check Full Eligibility→

🔒 100% Free • No credit score impact • Instant calculation

⚡ Fast, Streamlined & 100% Compliant

HOW WE SECURE YOUR GOVERNMENT FUNDING

From scheme discovery to bank account disbursal — our 4-phase institutional pipeline guarantees zero delays.

0110-Sec Online

Quick Online Assessment

Fill out our simplified assessment with basic business details, industry sector, and funding requirements to match schemes instantly.

Phase 01→
022-3 Days

DPR & Scheme Underwriting

Senior ex-banker MSME scheme advisors evaluate your profile, draft bankable Detailed Project Reports, and calculate maximum subsidy.

Phase 02→
037-10 Days

Nodal PSU Bank Sanction

We liaise directly with lead district managers and nodal PSU bank branches to expedite approvals and zero-collateral credit guarantees.

Phase 03→
04Direct Credit

Subsidy & Grant Disbursal

Your capital grant or credit subsidy is credited directly to your bank account with complete audit compliance and end-to-end documentation.

Phase 04→
🗺️ Pan-India Incubation & Banking Reach • 28+ States & UTs

STRONGEST NETWORK OF INCUBATION CENTERS & BANKS

Real-time state MSME disbursals & subsidized credit across partner banks. Hover over any state to inspect.

Live Scan: Maharashtra • Hover state
Live Network Scan210 Active Units supported

Maharashtra

Nodal Directorate: Mumbai Fintech & MSME Nodal Hub

MSMEs Funded
175+ MSMEs
Govt Credit
₹74 Crores
Incubators
7 Hubs
Top Demand Scheme:CGTMSE & Commercial Credit
⚡ 6 Core Growth Engines360° Business Advisory Ecosystem

COMPLETE CORPORATE & LEGAL ADVISORY SUITE

From legal entity incorporation and statutory licenses to government grants, ISO quality standards, and GeM procurement tenders, explore our 6 strategic growth engines.

🏢
DIVISION 01
3-Day Fast MCA Track

Company Incorporation & Setup

Private Limited, LLP, OPC & Section 8 Formations

Turnkey legal incorporation including MCA SPICe+ filing, Name Reservation (RUN), DIN allotment, Digital Signature Certificates (DSC), and MOA/AOA drafting.

Core Deliverables:
✓Pvt Ltd / LLP Incorporation
✓Class 3 Digital Signatures (DSC)
✓PAN, TAN & Bank A/c Kit
⏱️3 to 5 Working DaysExplore Suite→
📜
DIVISION 02
100% Legal Clearance

Statutory Licenses & Permits

FSSAI Food License, Trade Permits & Shop Act

Acquire mandatory state and central operational clearances required before beginning commercial operations, opening factory sheds, or hiring staff.

Core Deliverables:
✓FSSAI Food License (Basic/State/Central)
✓Municipal Trade & Health Clearance
✓Shop & Establishment (Gumasta)
⏱️2 to 7 Working DaysExplore Suite→
🎖️
DIVISION 03
Global Tender Ready

ISO & DPIIT Recognition

ISO 9001/14001/27001 & 3-Yr Startup Tax Exemption

Elevate brand credibility with internationally accredited ISO certifications, DGFT Import Export Code (IEC), and DPIIT Startup India certification for tax exemptions.

Core Deliverables:
✓ISO 9001:2015 & 27001 Security
✓DPIIT Startup India Certification
✓Lifetime DGFT Import Export Code (IEC)
⏱️24 to 48 Hours Fast-TrackExplore Suite→
💰
DIVISION 04
Non-Dilutive & Collateral-Free

Grants & Business Loans

0% Equity Capital Grants & Subsidized MSME Debt

Facilitating central grant subsidies up to ₹50 Lakhs (SISFS, PMEGP 15-35% subsidy) and collateral-free bank loans up to ₹5 Crores under CGTMSE.

Core Deliverables:
✓23+ Central & State Grant Schemes
✓PMEGP 15% to 35% Capital Margin Subsidy
✓CGTMSE Collateral-Free Debt up to ₹5 Cr
⏱️15 to 45 Days SanctionExplore Suite→
🏛️
DIVISION 05
₹4 Lakh Cr Public Market

GeM Onboarding & Tenders

Direct Central & State Ministry Procurement Orders

Enroll your enterprise as an authorized government vendor on GeM, verify OEM brand catalog, and receive end-to-end bidding representation for government tenders.

Core Deliverables:
✓GeM Primary Seller & OEM Account
✓Brand & Product Catalogue Upload
✓E-Tender Technical Bid Representation
⏱️3 to 7 Days OnboardingExplore Suite→
📊
DIVISION 06
Zero-Penalty Guarantee

GST, Tax & CMA Advisory

Monthly GST Returns, Corporate ITR & CMA Models

Dedicated Chartered Accountants and Company Secretaries managing end-to-end tax compliance, balance sheet finalization, TDS reconciliation, and banking CMA data.

Core Deliverables:
✓GST Registration & Monthly Filings
✓Corporate Tax ITR & Statutory Audits
✓Banking-Grade CMA Financial Projections
⏱️Continuous Retainer SupportExplore Suite→
Explore All 6 Strategic Growth Engines & 360° Ecosystem on Services Page→
Comprehensive Nationwide Statistics • Operating Since 2024

SECTOR DISTRIBUTION & FUND ALLOCATION

Transparent fund disbursals across manufacturing, agri-food processing, healthcare, and technology incubation hubs nationwide since our inception in 2024.

Manufacturing & Plant Equipment (45%)
Agri & Food Processing Cold Chains (30%)
Commercial Services & Tech Startups (25%)
₹500Cr+ DisbursedSince 2024 • Across 28+ States & UTs
National Grants Stage•6 Flagship Schemes

CENTRAL & STATE GRANTS & SUBSIDIES

Explore national non-dilutive capital programs in our live spotlight stage. Click any scheme card or watch the automatic showcase.

Scheme 1 of 6
All 15+ Schemes Catalog→
National Flagship Grant🏛️ DPIIT, Ministry of Commerce & Industry

Startup India Seed Fund Scheme (SISFS)

Proof of Concept, Prototype Commercialization & Product Trials

Direct government funding to bridge the gap between ideation and commercialization. Provides ₹20 Lakhs grant for proof of concept and up to ₹50 Lakhs as debt/convertible debenture for market launch.

🎯 Key Scheme Highlights & Disbursal Perks:
✓
Up to ₹20 Lakhs non-repayable grant for validation, MVP & field trials
✓
Up to ₹50 Lakhs bridge financing for commercial market entry & sales
✓
No personal collateral, no promoter equity dilution required
Apply For This Grant & DPR→View Eligibility & FAQs↗
Financial Matrix & Disbursal Metrics⏱️ TAT: 45-90 Days
Maximum Grant / Funding Allocation
Up to ₹50 Lakhs
0% Non-Dilutive Grant• 100% Non-Repayable Capital
Target Eligibility:DPIIT Recognized Startups (< 2 Years Old)
Allocation Stage Breakdown:
PoC & MVP Validation:₹20 Lakhs (Grant)
Market Scaling & Trials:₹50 Lakhs (Bridge)
🛡️Free Eligibility ScreeningRead Funding Guide →
⚡ Live Financing StudioInteractive EMI Simulator & 50+ Banking Partners

SMART BUSINESS LOANS & FINANCING SIMULATOR

Model your capital requirement, simulate monthly EMIs in real-time, and check sovereign credit guarantee coverage across 50+ nationalized and private banking partners.

Interactive EMI & Repayment SimulatorDrag sliders to customize loan requirement or choose presets on the right
1. Required Loan Amount:₹1 Crore
2. Loan Tenure:7 Years (84 Months)
3. Interest Rate (p.a.):9.25% p.a.
8.0% (Prime Govt Rate)11.0% (Commercial Standard)14.0% (Unsecured Limit)
Estimated Monthly EMI
₹1,62,162 / mo
Total Interest Payable
₹36,21,608
Total Amount (P + I)
₹1,36,21,608
🛡️
CGTMSE Sovereign Guarantee (Up to ₹5 Cr)Ministry of MSME covers up to 85% credit risk. No residential or industrial land mortgage needed.
Apply for ₹1 Crore Loan & Instant Sanction→50+ Partner Banks • Zero Pre-Payment Penalty
Flagship Institutional FacilitiesClick to Auto-Calibrate Simulator
💳

MUDRA Loan (PMMY)

100% Collateral-Free
Max: Up to ₹20 Lakhs•ROI: 8.5% – 11.5%

For micro-enterprises, traders, workshops & retail business expansion.

🛡️ Zero Property MortgageView Details→
🛡️

CGTMSE Collateral-Free Credit

85% Sovereign Guarantee
Max: Up to ₹5 Crores•ROI: 8.5% – 12.0%

Ministry of MSME covers up to 85% credit risk. No land mortgage needed.

🛡️ Zero Property PledgeView Details→
🏭

MSME Industrial Term Loan

85% LTV Asset Finance
Max: ₹10 Lakhs – ₹5 Crores•ROI: 8.75% – 13.0%

Purchase CNC machines, build industrial sheds & expand factory capacity.

🛡️ Priority Sector FacilityView Details→
🚀

CGSS (Startup Venture Debt)

DPIIT Tech Startups
Max: Up to ₹10 Crores•ROI: Subsidized Venture Debt

Non-dilutive growth capital for high-growth tech startups backed by NCGTC.

🛡️ NCGTC Govt GuaranteeView Details→
🏡

Commercial Property & LAP

Lowest Market ROI
Max: ₹10L – ₹10 Crores+•ROI: 8.35% – 10.5%

Lowest interest rates for commercial real estate, factories & plot purchase.

🛡️ Hypothecation of PropertyView Details→
🌾Pair business loans with PMEGP 35% margin subsidyHybrid Capital →
Explore All 8 Commercial Loan Facilities & In-Depth Comparison Matrix on Loans Page→
📰 MSME Knowledge Base & Updates

NEWS & INSIGHTS FOR MSMES

Stay updated with the latest MSME government notifications, subsidy guides, and financial growth strategies.

View All Insights & Guides→
Government Schemes⏱️ 5 min read
📜

MSME Amendment Bill 2026: How TReDS Helps Small Businesses

You deliver on time, but cash stays locked in 60 to 120-day payment cycles. The MSME Development Amendment Bill makes TReDS a non-negotiable payment lifeline.

14 Oct 2024Read More→
Startup Funding⏱️ 8 min read
🚀

How to Raise Funds for Startup Business in India: 2026 Guide

A complete guide to raising startup capital in India — covering government seed grants, collateral-free credit, angel investors, and DPIIT tax exemptions.

10 Oct 2024Read More→
Subsidy Eligibility⏱️ 6 min read
💡

How to Check If Your Business Is Eligible for Govt Schemes

Most businesses leave free government grant money on the table — not because they are ineligible, but because they never checked. Here is how to verify.

02 Oct 2024Read More→
PMEGP Subsidy⏱️ 10 min read
💰

PMEGP Scheme 2026: Eligibility, 35% Subsidy & Application Guide

Detailed breakdown of PMEGP funding up to ₹50 Lakhs with 15% to 35% non-refundable capital subsidy, required DPR format, and bank sanction steps.

28 Sep 2024Read More→
⭐ Verified Beneficiary Success Stories

WHAT OUR CLIENTS SAY

Hear directly from 20,000+ MSME owners, manufacturers & startups funded through Mudra Sahay.

⚡ Continuous Auto-Slide Active
★★★★★5.0 Verified
✓ Disbursal Confirmed

"Mudra Sahay helped me get my PMEGP manufacturing loan approved in just 5 weeks. Their advisor prepared a bankable DPR and handled all follow-ups with the DIC office and bank. The 35% subsidy was directly credited to my account!"

PMEGP Subsidy Scheme₹25 Lakhs Sanctioned
Grant / Subsidy: 35% Govt Subsidy (₹8.75L Grant)
👨‍💼

Ramesh Jha

Jha Auto Components • Jaipur, Rajasthan

★★★★★5.0 Verified
✓ Disbursal Confirmed

"As a woman entrepreneur, getting a collateral-free loan felt impossible until I spoke to Mudra Sahay. They guided us under Stand-Up India & CGTMSE with zero property collateral pledged. Exceptional service!"

PMFME & CGTMSE Loan₹45 Lakhs Disbursed
Grant / Subsidy: 35% Credit Subsidy
👩‍💼

Sunita Patel

Patel Agro & Food Products • Ahmedabad, Gujarat

★★★★★5.0 Verified
✓ Disbursal Confirmed

"We needed high-value expansion capital to buy automated machinery. Mudra Sahay processed our CGTMSE file with SIDBI guarantee coverage. Bank sanctioned the entire amount without demanding land security."

CGTMSE Collateral-Free₹1.2 Crores Sanctioned
Grant / Subsidy: 85% Govt Guarantee
👨‍🏭

Vikram Singh

Surya Textiles & Garments • Lucknow, Uttar Pradesh

★★★★★5.0 Verified
✓ Disbursal Confirmed

"From DPIIT startup registration to seed fund pitch deck preparation, Mudra Sahay handled every compliance step flawlessly. 100% recommended for Indian startups!"

DPIIT Seed Fund Scheme₹30 Lakhs Grant
Grant / Subsidy: Startup Seed Grant
👩‍💻

Meena Krishnan

Aura Software & Tech Solutions • Bengaluru, Karnataka

★★★★★5.0 Verified
✓ Disbursal Confirmed

"Our grain processing plant required technology upgradation. Mudra Sahay team filed our PMFME subsidy and negotiated lowest interest rate with PSU bank."

PMFME Capital Subsidy₹35 Lakhs Disbursed
Grant / Subsidy: ₹10 Lakhs Capital Grant
👨‍🌾

Harpreet Singh

Singh Food Packaging • Ludhiana, Punjab

★★★★★5.0 Verified
✓ Disbursal Confirmed

"Fastest sanction experience ever! Within 10 days of submitting our DPR, the bank approved the machinery financing limit. Super transparent consultation!"

Machinery Loan & CGTMSE₹80 Lakhs Sanctioned
Grant / Subsidy: Collateral-Free Cover
👩‍🔬

Ananya Deshmukh

Deshmukh Bio Pharma • Pune, Maharashtra

★★★★★5.0 Verified
✓ Disbursal Confirmed

"Mudra Sahay helped me get my PMEGP manufacturing loan approved in just 5 weeks. Their advisor prepared a bankable DPR and handled all follow-ups with the DIC office and bank. The 35% subsidy was directly credited to my account!"

PMEGP Subsidy Scheme₹25 Lakhs Sanctioned
Grant / Subsidy: 35% Govt Subsidy (₹8.75L Grant)
👨‍💼

Ramesh Jha

Jha Auto Components • Jaipur, Rajasthan

★★★★★5.0 Verified
✓ Disbursal Confirmed

"As a woman entrepreneur, getting a collateral-free loan felt impossible until I spoke to Mudra Sahay. They guided us under Stand-Up India & CGTMSE with zero property collateral pledged. Exceptional service!"

PMFME & CGTMSE Loan₹45 Lakhs Disbursed
Grant / Subsidy: 35% Credit Subsidy
👩‍💼

Sunita Patel

Patel Agro & Food Products • Ahmedabad, Gujarat

★★★★★5.0 Verified
✓ Disbursal Confirmed

"We needed high-value expansion capital to buy automated machinery. Mudra Sahay processed our CGTMSE file with SIDBI guarantee coverage. Bank sanctioned the entire amount without demanding land security."

CGTMSE Collateral-Free₹1.2 Crores Sanctioned
Grant / Subsidy: 85% Govt Guarantee
👨‍🏭

Vikram Singh

Surya Textiles & Garments • Lucknow, Uttar Pradesh

★★★★★5.0 Verified
✓ Disbursal Confirmed

"From DPIIT startup registration to seed fund pitch deck preparation, Mudra Sahay handled every compliance step flawlessly. 100% recommended for Indian startups!"

DPIIT Seed Fund Scheme₹30 Lakhs Grant
Grant / Subsidy: Startup Seed Grant
👩‍💻

Meena Krishnan

Aura Software & Tech Solutions • Bengaluru, Karnataka

★★★★★5.0 Verified
✓ Disbursal Confirmed

"Our grain processing plant required technology upgradation. Mudra Sahay team filed our PMFME subsidy and negotiated lowest interest rate with PSU bank."

PMFME Capital Subsidy₹35 Lakhs Disbursed
Grant / Subsidy: ₹10 Lakhs Capital Grant
👨‍🌾

Harpreet Singh

Singh Food Packaging • Ludhiana, Punjab

★★★★★5.0 Verified
✓ Disbursal Confirmed

"Fastest sanction experience ever! Within 10 days of submitting our DPR, the bank approved the machinery financing limit. Super transparent consultation!"

Machinery Loan & CGTMSE₹80 Lakhs Sanctioned
Grant / Subsidy: Collateral-Free Cover
👩‍🔬

Ananya Deshmukh

Deshmukh Bio Pharma • Pune, Maharashtra

⚡ Continuous Auto-Slide Active•👆 Click any card to pause & read story

Got Questions?

FREQUENTLY ASKED QUESTIONS

Everything you need to know about MSME schemes, subsidy eligibility, and loan disbursal.

It depends on your business type, stage, and funding needs. PMEGP is ideal for new micro-enterprises (up to 35% subsidy / ₹50 lakh grant). CGTMSE suits existing MSMEs needing collateral-free loans up to ₹5 Crores. Mudra is great for small businesses needing up to ₹10 lakh. Book a free consultation and our experts will identify exactly which schemes you qualify for.
PMEGP typically takes 30–45 days from application to disbursement. Mudra loans are faster — usually 7–15 days. CGTMSE-backed loans depend on the bank but average 15–30 days. We actively track and expedite your file with nodal banks.
No! PMEGP, Mudra Loan, and CGTMSE are all collateral-free schemes. CGTMSE provides up to 85% guarantee to banks, so you do not need to pledge personal assets or property.
Yes! In fact, we recommend a bundled approach — many of our clients simultaneously process Udyam Registration, PMEGP subsidy application, and ISO quality certification together for max funding success.
Our advisory consultation is 100% free upfront. Any service processing fees are fixed, communicated transparently, and aligned with successful scheme filings.
While not strictly mandatory, Udyam Registration is essential — it unlocks 20+ government benefits including priority sector lending, CGTMSE eligibility, lower interest rates, and GeM portal access.
Yes! We handle full GST registration, monthly GSTR filing, corporate ROC compliance, ISO certifications, and detailed project reports (DPR).
Simply request a callback on our website or call +91 6357 250 668. A senior financial advisor will assess your business profile, evaluate scheme eligibility, and outline a step-by-step roadmap.
⚡ Don't Let Your Subsidy Expire

READY TO CLAIM YOUR MSME GOVT FUNDING?

Get instant eligibility status, 35% subsidy claim assistance, and direct bank sanction within 48 hours.

Start Free Eligibility Check📞 Talk to Advisor: +91 6357 250 668