Seekho Official
31 Mar 2025
A lot of people in India search for government personal loan schemes, hoping to find help with daily expenses, medical bills, or starting something of their own. But when they come across names like Mudra, PMEGP, or Stand-Up India, it gets confusing. Are these personal loans? Business loans? Or something else?
Let’s clear this up. Most of the government schemes are actually meant to support self-employment or small businesses. So technically, they aren’t personal loans for consumption or emergencies. But if you're someone looking to start a shop, service, or any small venture, these can be really useful.
Go through these 5 government-backed loan schemes that you should know about in 2025:
Perfect for someone planning to start a small business like a beauty parlour, grocery shop, etc.
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Best if you're starting a new manufacturing unit or service center, especially in rural or semi-urban areas.
Suitable if you're a woman or belong to the SC/ST category and want to start something on a bigger scale, like a food processing unit, manufacturing, or even packaging.
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Great option if you live in a city or town and want to start your own small business with limited capital.
Useful for those who have a business idea but no collateral to show.
Janiye SBI E Mudra Loan online apply kaise kare! ₹50,000 tak loan lene ka process, fast approval ke steps aur how to apply Mudra loan with ease yahaan sikhein!
If you're:
Just remember that these are not instant personal loans for buying gadgets or planning a trip. Yeh schemes un logon ke liye hain jo apna kuch kaam shuru karna chahte hain.
Aapka sapna ho, aur thoda planning ho, toh government bhi saath dene ko ready hai.
Ghar baithe Adhaar card kaise banaye! Biometrics, Mobile, DOB aur address update karne ki puri online process aur zaroori documents ke baare mein jankari lein.
1. Is a CIBIL score necessary to get these loans?
Not always. Mudra loans (especially Shishu) often don't require a high credit score. But for larger loans like CGTMSE or Stand-Up India, banks will check your credit history.
2. Can students apply for any of these loan schemes?
Most of these schemes are meant for setting up a business, so students can apply only if they are starting a venture and meet the eligibility criteria.
3. Is there a subsidy or margin money support in any of these schemes?
Yes. PMEGP offers a subsidy of up to 35%, and Stand-Up India finances up to 75% of the project cost. You need to cover the rest as margin money.
4. Can I use these loans for medical or personal expenses?
No. These are not general personal loans. They are specifically for self-employment or business purposes only.
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