Government Scheme Loans

Government Scheme Loans are special financing programs launched by Central and State Governments to promote entrepreneurship, support small businesses, encourage self-employment, and boost economic development across various sectors. These schemes offer subsidized interest rates, capital subsidies, credit guarantees, and comprehensive training support to make funding accessible to underserved segments of society.

The primary objective is financial inclusion and economic empowerment of marginalized communities including SC/ST, OBC, minorities, women, youth, and first-time entrepreneurs. Government schemes cover various sectors - manufacturing, services, agriculture, retail, and technology - with loan amounts ranging from ₹10,000 to ₹10 lakhs depending on the scheme and project requirement.

At NEERU FINANCIAL, we specialize in helping entrepreneurs and businesses access these government schemes. We provide end-to-end assistance including scheme selection, project report preparation, application filing, documentation support, and liaison with banks and government authorities. Our expert team ensures you maximize the benefits of subsidies and get quick loan approvals with minimal hassle.

MUDRA Loan is a flagship scheme by Government of India to provide funding to non-corporate, non-farm small/micro enterprises. The scheme offers three types of loans - Shishu (up to ₹50,000), Kishore (₹50,001 to ₹5 lakhs), and Tarun (₹5,00,001 to ₹10 lakhs) - catering to businesses at different stages of growth. No collateral is required for Mudra loans.

Mudra loans support income-generating activities in manufacturing, trading, and service sectors including small shops, beauty parlors, tailoring units, food stalls, repair shops, transport vehicles, and more. The loans are disbursed by banks, NBFCs, and MFIs with refinance support from MUDRA.

Startup India is a flagship initiative by Government of India to build a strong ecosystem for nurturing innovation and startups in the country. The scheme provides comprehensive support including funding support through Fund of Funds, tax exemptions, easier compliance, IPR fast-tracking, and access to a network of incubators, accelerators, and mentors.

Startups working in technology, innovation, or scalable business models across sectors like IT, biotech, fintech, e-commerce, clean energy, and social enterprises can benefit from this scheme. Recognition under Startup India opens doors to multiple government and private sector benefits, networking opportunities, and easier access to capital.