What is PMEGP Loan ?
PMEGP is a central government scheme managed by KVIC (Khadi & Village Industries Commission).
The scheme provides subsidy up to 35% to set up micro/small manufacturing and service units.
Main Benefits of PMEGP Loan 2025
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✔️ Loan up to ₹50 lakh for manufacturing
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✔️ Loan up to ₹20 lakh for service sector
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✔️ Subsidy 15%–35% (depends on location & category)
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✔️ No experience required for applying
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✔️ Youth, women, SC/ST, OBC, minority & ex-servicemen get higher subsidy
Eligibility for PMEGP Loan
| ↪ Applicant must be 18 years or above |
| ↪ Minimum education: Class 8 pass (only for projects above ₹10 lakh) |
| ↪ Should be a new business (existing units cannot apply) |
| ↪ Only one person per family can apply |
| ↪ All Indian citizens are eligible |
Documents Required
| ↪ Aadhaar Card |
| ↪ PAN Card |
| ↪ Passport-size photo |
| ↪ Address proof |
| ↪ Educational certificate |
| ↪ Caste certificate (if applicable) |
| ↪ Project Report (very important) |
| ↪ Bank account details |
| ↪ Income certificate (if required) |
How to Apply for PMEGP Loan 2025 Step by Step
Follow these steps to apply online:
Step 1: Visit the Official PMEGP Portal
Go to the official website:
👉 https://www.kviconline.gov.in/pmegp
Step 2: Click on 'Online Application for Individual'
You will find the PMEGP online application section on the homepage.
Select Individual Applicant.
Step 3: Fill the Application Details
Enter the following:
| ↪ Name |
| ↪ Aadhaar number |
| ↪ Mobile number |
| ↪ Email ID |
| ↪ Address |
| ↪ Qualification |
| ↪ Category (General/SC/ST/OBC/Minority/Women) |
Step 4: Project Details
Enter the following:
| ↪ Business name |
| ↪ Type of unit (Service/Manufacturing) |
| ↪ Cost of project |
| ↪ Required loan amount |
| ↪ Upload project report (PDF) |
Step 5: Upload Documents
| ↪ Photo |
| ↪ Aadhaar |
| ↪ PAN |
| ↪ Education Certificate |
| ↪ Caste Certificate (if needed) |
Step 6: Choose Your Bank
Select the bank where you want to take the loan (SBI, PNB, UBI, BOI, etc.).
Make sure you choose a bank that easily processes PMEGP loans in your area.
Step 7: Submit the Application
After submitting, you will receive an Application ID.
Keep it safe—it will be used for checking status.
Step 8: Verification by KVIC & Bank
| ↪ KVIC will check your application |
| ↪ Bank will verify your documents |
| ↪ You may be called for a short interview |
| ↪ After approval, loan amount will be sanctioned |
| ↪ Subsidy will be credited later as per rules |
Click to Read Full Details…
PMEGP Loan Subsidy Chart 2025
| Category | Urban Area | Rural Area |
|---|---|---|
| General | 15% | 25% |
| SC/ST/OBC/Women/Minority | 25% | 35% |
Recruitment Tips to Get PMEGP Loan Easily
| ↪ Make a strong and realistic project report |
| ↪ Choose a small but profitable business idea |
| ↪ Select a bank that supports PMEGP |
| ↪ Attach all documents clearly |
| ↪ Attend orientation/training if called |
Popular Business Ideas Under PMEGP Loan
| ↪ Mobile phone repair shop |
| ↪ LED bulb manufacturing |
| ↪ Bakery unit |
| ↪ Printing press |
| ↪ Tailoring / boutique |
| ↪ Car washing centre |
| ↪ Food processing unit |
| ↪ Wood / metal craft |
| ↪ Beauty parlour |
Click to Read Full Details…
Recruitment Conclusion
PMEGP Loan 2025 is a great opportunity for anyone who wants to start their own business with the help of government subsidy. The application process is fully online and simple. If you prepare a good project report and choose the right bank, your chances of approval increase.
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