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भारत सरकार MSME अधिकृत गेटवे

MUDRA SAHAY

Smart Credit & Subsidy Advisory Gateway

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💼 राष्ट्रीय वाणिज्यिक एवं MSME वित्त केंद्र • Zero-Collateral Approvals

BUSINESS LOANS &
COMMERCIAL FINANCE

Access MUDRA micro-finance up to ₹20 Lakhs, PMEGP & PMFME credit-linked subsidies up to 35%, CGTMSE collateral-free lines up to ₹5 Crores, and retail mortgage credit with fast-track processing across 50+ banking partners.

⚡ Check Loan Eligibility in 10 Sec📞 Call Helpline: +91 6357 250 668
48 HoursSanction Speed
₹5 CrCollateral-Free Limit
8.5%Starting ROI p.a.
50+ BanksLending Partners
🧮 Smart MSME & Retail Finance Calculator

INSTITUTIONAL LOAN EMI CALCULATOR

Calculate your estimated monthly repayment, total interest, and cash flow impact instantly before applying.

Requested Loan Amount₹25.0 Lakhs
₹1 Lakh₹50 Lakhs₹5 Crores
Interest Rate (Annual)10.5% p.a.
7.5% (Concessional/Housing)10.5% (MSME / CGTMSE)22% (Unsecured/NBFC)
Repayment Tenure36 Months (3.0 Yrs)
1 Year5 Years20 Years
Estimated Monthly Repayment (EMI)
₹81,256/mo
Principal Amount₹25,00,000
Total Interest Payable₹4,25,216
Total Repayment Amount₹29,25,216

ALL 8 INSTITUTIONAL & MSME LOAN PRODUCTS

Explore Government collateral-free guarantees, subsidized credit links, business working capital lines, and retail mortgages. Click any loan product to view complete step-by-step sanction flows and FAQs.

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100% Collateral-Free Micro Credit

MUDRA Loan (PMMY)

Pradhan Mantri MUDRA Yojana Micro-Credit Scheme

Max Loan LimitUp to ₹20 Lakhs
Interest ROI8.5% – 11.5% p.a.
Tenure12 – 60 Months
CollateralCollateral-Free

PMMY offers formal institutional credit up to ₹20 Lakhs across Shishu, Kishore, and Tarun categories to non-corporate, non-farm micro and small enterprises, artisans, shopkeepers, and service units.

✓Zero collateral, land mortgage, or third-party guarantee required
✓Nominal processing fees (waived for Shishu & Kishore categories by most PSUs)
Government Micro-FinanceView Details & FAQs →
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Up to 35% Non-Refundable Subsidy

PMEGP Subsidy Loan

Prime Minister's Employment Generation Programme

Max Loan LimitUp to ₹50 Lakhs
Interest ROIBank Base Rate (15% - 35% Subsidy)
TenureUp to 7 Years (with Moratorium)
CollateralSecured

PMEGP is India’s premier credit-linked subsidy scheme offering bank loans up to ₹50 Lakhs with 15% to 35% non-refundable government capital subsidy directly credited to your account.

✓Up to 35% of project cost credited as direct non-repayable government subsidy
✓Low promoter margin money requirement (only 5% for Special Categories, 10% for General)
Credit-Linked SubsidyView Details & FAQs →
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Fast-Track Bank Approvals

MSME Loan

Priority Sector Term Loans, Working Capital & Plant Modernization

Max Loan Limit₹10 Lakhs – ₹5 Crores+
Interest ROI8.75% – 13.5% p.a.
TenureUp to 10 Years
CollateralSecured

Comprehensive enterprise term loans and working capital credit facilities designed to finance industrial machinery, factory automation, raw material bulk procurement, and capacity expansion.

✓High-value debt facilities up to ₹5 Crores for commercial scaling
✓Flexible tenures up to 10 years with initial principal moratorium periods
Commercial MSME CreditView Details & FAQs →
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100% Property Collateral-Free

CGTMSE Loan

Credit Guarantee Fund Trust for Micro and Small Enterprises

Max Loan LimitUp to ₹5 Crores
Interest ROI8.5% – 12.0% p.a.
TenureUp to 10 Years
CollateralSecured

CGTMSE enables entrepreneurs to secure term loans and working capital credit up to ₹5 Crores from scheduled commercial banks without pledging residential, commercial, or industrial real estate.

✓Access bank debt up to ₹5 Crores without pledging land, home, or factory collateral
✓Lower guarantee fee structure (recently reduced by 50% to make credit cheaper)
Government Credit GuaranteeView Details & FAQs →
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Same-Day Instant Disbursal

Personal Loan

High-Velocity Unsecured Liquidity for Promoters & Directors

Max Loan LimitUp to ₹40 Lakhs
Interest ROI10.5% – 15.5% p.a.
Tenure12 – 60 Months
CollateralCollateral-Free

Instant, paperwork-light personal financing for business founders, partners, directors, and salaried executives to meet urgent bridge capital, promoter equity infusion, or personal financial needs.

✓Immediate same-day sanction and instant account disbursal within 24-48 hours
✓No end-use restrictions — complete freedom of capital deployment
Unsecured Personal CreditView Details & FAQs →
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35% Credit-Linked Capital Subsidy

PMFME Loan Scheme

PM Formalisation of Micro Food Processing Enterprises

Max Loan LimitUp to ₹10 Lakhs Grant / ₹50L Loan
Interest ROICredit-Linked 35% Capital Subsidy
TenureUp to 7 Years
CollateralCollateral-Free

The PMFME scheme offers 35% credit-linked capital subsidy up to ₹10 Lakhs for modernizing micro food processing units, bakeries, spice mills, oil presses, pickle manufacturing, and cold chain setups.

✓35% credit-linked capital subsidy directly reducing your loan repayment obligation
✓Handholding support for FSSAI licensing, standardized packaging, and laboratory testing
Agri & Food Processing CreditView Details & FAQs →
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National Credit Guarantee Trustee

CGSS (Credit Guarantee Scheme for Startups)

Venture Debt & Institutional Credit for DPIIT Startups

Max Loan LimitUp to ₹10 Crores
Interest ROISubsidized Venture Debt Rates
TenureUp to 7 Years
CollateralSecured

CGSS provides collateral-free debt funding up to ₹10 Crores to DPIIT-recognized startups through scheduled commercial banks, NBFCs, and Alternative Investment Funds (AIFs) backed by the Government of India.

✓Access venture debt up to ₹10 Crores without collateral or personal property pledges
✓Enables high-growth startups to extend runway without diluting founder equity
Startup Venture DebtView Details & FAQs →
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Lowest Market ROI & Max Tenure

Home Loan & Property Finance

Residential Housing, Plot Construction & Commercial Mortgages

Max Loan Limit₹10 Lakhs – ₹10 Crores+
Interest ROI8.35% – 10.5% p.a.
TenureUp to 30 Years
CollateralSecured

Comprehensive residential housing finance, plot purchase loans, commercial real estate mortgages, and high-value Loan Against Property (LAP) at India’s lowest bank interest rates.

✓Lowest starting interest rates in the Indian lending market (from 8.35% p.a.)
✓Extended repayment tenures up to 30 years to minimize monthly EMI obligations
Housing & Property CreditView Details & FAQs →
⚡ Direct Debt Syndication Desk

LOOKING FOR CUSTOM BUSINESS LOAN TERMS?

Talk directly with senior ex-bankers for customized debt appraisal, working capital limits, and balance sheet optimization.

🏢 Speak to Credit Specialist📞 Call Helpline: +91 6357 250 668