Unlock verified collateral-free business loans, manufacturing capital subsidies up to 35%, PM Surya Ghar solar grants, and subsidized agricultural credit.
Instant access to all 9 Central Govt credit schemes, capital subsidies up to 35%, collateral-free MSME loans, and solar grants. Zero external redirects.
Non-refundable Capital Grant up to 35% (INR 17.5 Lakh), Mentoring and EDP guidance, Collateral-free CGTMSE bank loan coverage.
Collateral-free working capital loan up to INR 20 Lakh, Zero third-party guarantor required, Concessional rates for micro-enterprises & vendors.
Direct Bank Account Subsidy up to INR 78,000, 300 Units of free electricity every month, Surplus power buyback by state electricity grid.
Concessional credit at flat 5.0% p.a. without collateral, plus INR 15,000 toolkit voucher and daily stipend for 18 artisan trades.
Working capital microcredit starting at INR 10,000 up to INR 50,000 for urban street vendors with 7% direct interest subvention.
100% Collateral-free bank borrowing up to INR 5 Crore for scaling manufacturing & service units backed by sovereign risk trust.
Greenfield enterprise funding from INR 10 Lakh up to INR 1 Crore for SC/ST and Women entrepreneurs with 15% margin money concession.
Revolving crop & livestock credit up to INR 3 Lakh at effective 4.0% p.a. concessional rate with prompt payment interest rebate.
Upfront credit-linked interest subsidy up to INR 2.67 Lakh for affordable home construction with sovereign priority lending.
Grow with Arthika in few steps
Select your enterprise category and required funding bracket. Our engine matches your criteria against central subsidy guidelines, guarantee parameters, and interest rebates.
Collateral-free working capital loan up to ₹20 Lakh with zero third-party guarantee.
Follow these 5 verified steps to prevent loan file rejections.
Free 5-minute Aadhaar-based MSME registration on udyamregistration.gov.in.
Prepare a Detailed Project Report detailing equipment, turnover, and operational cost.
Apply through Jan Samarth or scheme-specific nodal portal for digital in-principle sanction.
Selected bank verifies CIBIL score (680+ recommended) and issues sanction letter.
Govt credits capital subsidy into a 3-year term deposit; principal is reduced automatically.