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Anuhar & Associates
Loan & Finance
Access vital business funding with our expert guidance on government subsidy schemes like PMEGP, Mudra Loans, and CGTMSE. We help startups, MSMEs, and agricultural businesses secure the financial support they need to scale.
PM Mudra Loan (PMMY)
Access collateral-free loans up to ₹20 Lakhs to start or expand your micro, small, or non-corporate enterprise.
PMEGP - Prime Minister Employment Generation Programme
Secure loans up to ₹50 Lakhs with up to 35% government subsidy for establishing new manufacturing and service businesses.
Kisan Credit Card Scheme
Obtain affordable, timely short-term credit for agricultural expenses at heavily subsidized interest rates.
Stand-Up India Scheme
Empowering women and SC/ST entrepreneurs with bank loans ranging from ₹10 Lakhs to ₹1 Crore for setting up greenfield enterprises.
CGTMSE Scheme
Unlock collateral-free credit facilities up to ₹5 Crores for your Micro and Small Enterprise (MSE) with government-backed guarantees.
PMFME Scheme (Food Processing)
Avail up to 35% credit-linked subsidy for upgrading or setting up a micro food processing enterprise like pickles or spices.
Agriculture Infrastructure Fund
Secure up to ₹2 Crores with a 3% interest subvention to build vital post-harvest infrastructure like cold storage and warehouses.
CLCSS (Credit Linked Capital Subsidy Scheme)
Upgrade your MSME’s manufacturing capabilities with a 15% upfront capital subsidy for institutional credit availed for technology upgradation.
Mukhyamantri Yuva Swarozgar Yojana
A popular Uttar Pradesh scheme providing subsidized loans up to ₹25 Lakhs to help young entrepreneurs launch manufacturing or service units.
Mukhyamantri Yuva Udyami Vikas Yojana
Access collateral-free loans with up to 10% subsidy and 0% interest in specific cases to fund micro-projects up to ₹5 Lakhs.
One District One Product (ODOP) Scheme
Boost your district’s traditional crafts and products with margin money subsidies up to ₹6.25 Lakhs for local enterprises.
Kamdhenu Yojna
Get financial assistance and subsidies to establish a high-yield commercial dairy farm with 25 to 100 cows or buffaloes.
Mukhyamantri Swadeshi Gau-Samvardhan Yojana
Avail up to 40% subsidy (up to ₹80,000) for purchasing and rearing indigenous Indian cow breeds like Gir and Sahiwal.
Mukhyamantri Pragatisheel Pashupalak Protsahan Yojana
Earn government incentives of ₹10,000 to ₹15,000 per cow based on the proven milk production of your indigenous cattle.
Nandini Krishak Samriddhi Yojana (Mini Nandini Scheme)
Set up a robust 10-cow dairy farm with significant government subsidies covering nearly 50% of your total project cost.
Dairy Farming Subsidy Yojana (NABARD Dairy Loan)
Secure extensive funding from ₹10 Lakhs to ₹1 Crore with 25% to 50% subsidies for comprehensive dairy farm development and machinery.
Need Help
Fast-Track Your Business Funding
Navigating government loan schemes and subsidies can be complex. Let our financial experts help you identify the right scheme, prepare your project report, and secure the capital your business deserves.
Do I need to provide property or assets as security for a Mudra loan?
No, PM Mudra Loans are entirely collateral-free, meaning you do not need to pledge any personal or business assets to secure the funding.
Can an existing business apply for the PMEGP subsidy?
No, the Prime Minister Employment Generation Programme (PMEGP) is strictly available only for setting up new projects or new micro-enterprises.
What is the effective interest rate on a Kisan Credit Card loan?
While the standard rate is 7%, prompt repayment can fetch an additional 3% interest subvention, effectively bringing the interest rate down to just 4% per annum.
Is the Stand-Up India loan available for all types of businesses?
It is available only for “greenfield” enterprises, meaning it must be the very first-time venture of the beneficiary in the manufacturing, services, or trading sector.
Who pays the guarantee fee for the CGTMSE collateral-free loan?
The borrower (the MSME) is required to pay a nominal Annual Guarantee Fee (AGF) to the trust in order to secure and maintain the collateral-free guarantee.
What kind of businesses qualify for the PMFME scheme?
It specifically targets micro food processing units, such as pickle making, papad manufacturing, bakeries, and local spice (masala) grinding businesses.
How long is the 3% interest subsidy provided under the Agriculture Infrastructure Fund?
The 3% interest subvention is available for a maximum period of seven years from the date the loan is disbursed by the lending institution.
Is there a maximum loan limit to avail the CLCSS subsidy?
The 15% subsidy under CLCSS is calculated on a maximum eligible institutional credit of ₹1 Crore, thereby capping the maximum subsidy amount at ₹15 Lakhs.
What is the age criteria to apply for the Mukhyamantri Yuva Swarozgar Yojana in UP?
The applicant must be a resident of Uttar Pradesh and aged between 18 and 40 years to be eligible for this scheme.
Do I need heavy collateral for the Mukhyamantri Yuva Udyami Vikas Yojana?
No, this scheme is designed to provide collateral-free loans (around ₹4.5 Lakhs) for small project costs to actively encourage youth entrepreneurship.
Need Expert Legal or Financial Advice?
Have a specific query or need a custom quotation for your business? Drop us a message, and our team will get back to you within 24 hrs.