PMEGP Loan Details / Loan Scheme

Loan and Subsidy Structure:

• Manufacturing Sector: Total project cost up to ₹50 lakhs.
• Business/Service Sector: Total project cost up to ₹20 lakhs.

Beneficiary Contribution:

• General Category: 10% own contribution in both urban and rural areas.
• Special Category (SC/ST/OBC/Women/Divyang etc.): 5% own contribution in both urban and rural areas.

Government Subsidy:

• General Category: Urban – 15%, Rural – 25%.
• Special Category: Urban – 25%, Rural – 35%.

Loan Structure:
Banks provide the majority portion of the project cost as a loan (about 60–75%), and the remaining amount (15–30%) is given by the government as margin money subsidy.