PMEGP kaise kaam karta hai
PMEGP MSME ministry ki loan se judi subsidy scheme hai. Aap naye project ke liye bank se loan lete hain, aur sarkar "margin money" subsidy jodti hai jisse chukaane wali amount kam ho jaati hai. National level par ise Khadi and Village Industries Commission (KVIC) chalata hai, saath mein state Khadi boards (KVIB) aur District Industries Centres (DIC).
Kitni subsidy
| Kaun | Aapka contribution | Shehri ilaake mein subsidy | Gaon mein subsidy |
|---|---|---|---|
| General category | Project cost ka 10% | 15% | 25% |
| Special category | Project cost ka 5% | 25% | 35% |
Special category mein SC, ST, OBC, minorities, mahilayein, ex-servicemen, transgender, divyang, aur North-East, pahaadi aur border ilaakon aur aspirational districts ke applicants aate hain. Baaki amount bank loan ke roop mein deta hai.
Project ki limit
- Manufacturing: ₹50 lakh tak ka project
- Service ya business: ₹20 lakh tak ka project
Eligibility
- Umar 18 saal ya zyada
- ₹10 lakh se bade manufacturing aur ₹5 lakh se bade service project ke liye kam se kam 8th pass
- Sirf naye project; pehle se chal rahi unit ya jise pehle sarkari subsidy mil chuki ho, woh eligible nahi
- Scheme mein maangi gayi Entrepreneurship Development Programme (EDP) training poori karna
2026 mein status
Ministry ne PMEGP ko 2021-22 se 2025-26 tak paanch saal ke liye approve kiya tha. Hamari aakhri jaanch mein March 2026 ke baad ise badhaane ki koi notice nahi mili. Project banane se pehle KVIC ke PMEGP portal par dekhein ki naye applications khule hain ya nahi aur kin sharton par.
Apply kaise karein
- Project report banaayein: kya banaayenge ya kaunsi service denge, machines, cost, expected sales.
- KVIC ke PMEGP e-portal par online apply karein aur bank branch chunein.
- District task force application check karke bank bhejti hai; bank jaanch karke loan sanction karta hai.
- Subsidy bank ko jaati hai aur unit ki jaanch hone tak aapke naam par jama rehti hai.
PMEGP band ho ya zyada amount chahiye to
Bank aur NBFC ka business loan ya MSME loan naye aur chal rahe business dono ke liye hai, subsidy ke bina.
Oxon Fintech koi sarkari agency nahi hai aur is yojana ki applications nahi leta. Official portal ya bank branch par hi apply karein, aur yojana ka loan pass karaane ke naam par paise maangne walon se savdhaan rahein. Yojana ke rules badalte rehte hain; apply karne se pehle official site dekhein.