Official 2026 Comparative Central Government Credit & Subsidized Lending Matrix
CGTMSE & CGFMU Covered Toll-Free: 1800-11-2026
Bank-Promoted Sovereign Lending Catalog 2026

Central Credit & Subsidized Loans

Compare 100% verified central government loan schemes actively disbursed across SBI, PNB, Bank of Baroda, Canara Bank, and all major Indian public sector banks.

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Which Government Loan Is For You?

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• 100% COLLATERAL-FREE SBI, PNB, BoB & all PSBs

Pradhan Mantri Mudra Yojana (PMMY)

Collateral-free credit ladder: Shishu (₹50k), Kishor (₹5L) & Tarun (₹20L).
Borrowing Limit ₹50,000 to ₹20 Lakh
Interest Rate 8.5% – 12% p.a.
🎯 WHO THIS LOAN IS FOR:

Shopkeepers, retail traders, grocery stores, small vendors, repair shops, and service providers needing working capital without property mortgage.

Collateral: 100% Collateral-Free (No Property Mortgage Needed)
Guarantee: Covered under CGFMU Sovereign Credit Guarantee
• UP TO 35% CASH GRANT KVIC, SBI, PNB, DIC

PMEGP Capital Subsidy Scheme 2.0

Prime Minister Employment Generation Programme with direct DBT capital subsidy.
Borrowing Limit Up to ₹50 Lakh
DBT Subsidy 15% – 35% Cash
🎯 WHO THIS LOAN IS FOR:

Individuals (Age 18+) starting a new manufacturing unit, processing plant, food unit, workshop, or service enterprise. Special 35% subsidy for women & rural units.

Collateral: Covered under CGTMSE Trust (Zero Collateral)
Cash Grant: Up to ₹17.5 Lakh deposited directly into bank account
• 300 UNITS FREE POWER SBI Surya Loan, Canara, PNB

PM Surya Ghar Solar Rooftop Loan

Free solar electricity with direct government capital grant up to ₹78,000.
Solar Bank Loan Up to ₹6 Lakh
DBT Grant ₹78,000 Grant
🎯 WHO THIS LOAN IS FOR:

Homeowners with an active domestic electricity meter and roof space wanting zero electricity bills and surplus power income.

Loan Rate: 7.0% Concessional p.a. (Collateral-Free)
Subsidy: ₹30k (1kW) / ₹60k (2kW) / ₹78k (3kW+) credited to bank
• WOMEN & SC/ST MANDATED Mandated 1,50,000+ Branches

Stand-Up India Scheme

Dedicated sovereign credit facility to promote greenfield entrepreneurship.
Borrowing Limit ₹10 Lakh to ₹1 Crore
Margin Money Only 15%
🎯 WHO THIS LOAN IS FOR:

Women entrepreneurs and SC/ST founders setting up their first (greenfield) enterprise in manufacturing, services, or trading sector.

Collateral: Covered under dedicated Credit Guarantee Fund
Tenure: Up to 7 years with an 18-month repayment moratorium
• ZERO MORTGAGE TRUST SIDBI, SBI, BoB, Union Bank

CGTMSE MSME Credit Guarantee

High-limit corporate banking borrowing backed by Ministry of MSME guarantee.
Borrowing Limit Up to ₹5 Crore
Risk Cover 85% Default Cover
🎯 WHO THIS LOAN IS FOR:

Growing MSMEs needing substantial capital for purchasing machinery, industrial land expansion, or working capital without pledging personal property.

Collateral: 100% Collateral-Free (Zero Third-Party Guarantee)
Facilities: Term Loans + Cash Credit Limits covered
• 4.0% CONCESSIONAL RATE SBI, NABARD, PNB, RRBs

Kisan Credit Card (KCC) Scheme

Revolving credit for agriculture, seeds, livestock, dairy & allied activities.
Borrowing Limit Up to ₹3 Lakh
Effective Rate 4.0% p.a. Prompt
🎯 WHO THIS LOAN IS FOR:

Farmers, sharecroppers, tenant farmers, dairy owners, fishers, and self-help groups needing seasonal crop and maintenance funds.

Collateral: Zero collateral required up to ₹1.60 Lakh
Subvention: 3% prompt repayment rebate credited annually
• 5% FLAT CONCESSIONAL Canara, Union Bank, SBI

PM Vishwakarma Traditional Artisan Loan

Holistic support with ₹15,000 tool voucher, free training, and 5% credit.
Loan Limit ₹1 Lakh + ₹2 Lakh
Toolkit Grant ₹15,000 Free
🎯 WHO THIS LOAN IS FOR:

Traditional artisans across 18 trades (Carpenters, Boat Makers, Blacksmiths, Potters, Sculptors, Cobblers, Masons, Barbers, Tailors, etc.).

Interest Rate: Flat 5.0% p.a. (Collateral-free government guarantee)
Training: Free skill training with ₹500/day daily stipend
• 7% INTEREST CASHBACK All Public Banks & MFIs

PM SVANidhi Micro Credit Scheme

Escalating collateral-free microcredit for urban street entrepreneurs.
Micro Borrowing ₹10k → ₹20k → ₹50k
Interest Rebate 7% Direct Subsidy
🎯 WHO THIS LOAN IS FOR:

Urban street vendors, pushcart operators, daily roadside stalls, fruit/vegetable sellers with a municipal vending certificate or LOR.

Collateral: 100% Collateral-Free (Zero processing charges)
Rewards: Up to ₹1,200 annual cash incentive on digital transactions
• ₹2.67 LAKH CLSS GRANT SBI, BoB, Canara, HUDCO

Pradhan Mantri Awas Yojana (PMAY Housing)

Credit-linked interest subsidy for first-time home buyers and builders.
Home Borrowing Up to ₹50 Lakh
Govt Subsidy Up to ₹2.67 Lakh
🎯 WHO THIS LOAN IS FOR:

Families belonging to EWS, LIG, or Middle-Income who do not own a permanent pucca house in India and are buying or constructing their first home.

Tenure: Up to 20 years with concessional housing interest rates
Subsidy Benefit: Upfront interest grant directly deducted from loan principal