PMEGP Loan
PMEGP Loan 2025 ke liye apply karein aur paayein 35% tak government subsidy apne business ke liye. Jaane PMEGP eligibility, loan limit, documents aur online apply process step by step in Hinglish.
In this article:
PMEGP Loan Kya Hai?
PMEGP loan yaani Prime Minister’s Employment Generation Programme ek sarkari yojana hai jo naye entrepreneurs ko apna business chalu karne ke liye financial help deti hai. Ye scheme Ministry of Micro, Small & Medium Enterprises (MoMSME) dwara chalayi ja rahi hai aur Khadi and Village Industries Commission (KVIC) iske implementation ke liye responsible hai.
Iska main motive hai desh ke village aur city dono areas mein rojgaar ke naye mauke create karna aur youth ko self-employment ke liye encourage karna.
Latest Update October 2025
PMEGP ke October 2025 ke update ke according, government ne naye financial year ke liye 80,000 se zyada projects approve kiye hain. Iske through ₹2,200 crore ki subsidy release ki gayi hai. Ab PMEGP applicants ke liye Entrepreneurship Development Programme (EDP) training compulsory kar diya gaya hai jisse business skills improve ho sake.
Ab applicants apna loan status online real-time track kar sakte hain under the new portal version.
PMEGP Loan Details 2025
Category | Manufacturing Sector | Service Sector |
|---|---|---|
Maximum Loan Limit | ₹50 Lakh | ₹20 Lakh |
Government Subsidy | 15% - 35% | 15% - 35% |
Beneficiary Contribution | 5% - 10% | 5% - 10% |
Interest Rate | Around 11% – 12% | Around 11% – 12% |
Repayment Period | 3 to 7 Years | 3 to 7 Years |
Ye scheme credit-linked subsidy model par based hai jisme applicant thoda amount khud invest karta hai aur baaki bank loan ke through provide karta hai.
PMEGP Loan Eligibility Criteria
PMEGP loan ke liye kuch basic requirements hoti hain jo har applicant ko fulfill karni hoti hain:
Applicant ki age minimum 18 years honi chahiye.
Agar project ₹10 lakh se zyada ka hai to applicant kam se kam 8th class pass hona zaruri hai.
Sirf naye units ke liye hi subsidy diya jaata hai, existing business apply nahi kar sakte.
Individual, SHGs, cooperative societies, aur charitable trusts apply kar sakte hain.
Urban aur rural dono applicants eligible hain.
PMEGP Subsidy Rate 2025
Category | Rural Area | Urban Area | Beneficiary Contribution |
|---|---|---|---|
General | 25% | 15% | 10% |
SC / ST / OBC / Women / Ex-Servicemen | 35% | 25% | 5% |
Government subsidy directly bank mein deposit hoti hai, lekin 3 saal tak hold rakhi jaati hai jab tak aapka unit successfully operate na karne lage.
PMEGP Loan ke Major Benefits
₹10 lakh tak ke liye collateral-free loan facility
High subsidy up to 35% of total project cost
Easy online registration process
Special support for SC, ST, and women entrepreneurs
Business training and guidance through EDP
Boost for self-dependency and local employment generation
PMEGP Loan Apply Kaise Karein?
PMEGP Loan Step-by-Step Online Process
PMEGP official portal par jaayein aur Online Application for Individuals / Non-Individuals select karein.
Form ke andar apne personal aur project details fill karein.
Required documents upload karein jaise Aadhaar card, PAN card, aur project report.
Application submit karne ke baad aapko ek Application ID milega.
Bank aur KVIC team document verification karegi.
EDP training complete hone ke baad bank aapka loan sanction karega.
PMEGP Loan ke Liye Required Documents
Aadhaar Card & PAN Card
Educational Certificates
Project Report with business plan
Passport size photographs
Caste Certificate (agar applicable ho)
Domicile & Address Proof
Cancelled Cheque / Bank Passbook
Experience Certificate (optional)
PMEGP Entrepreneurship Training (EDP)
Entrepreneurship Development Programme (EDP) PMEGP ke under 5 se 10 din ki compulsory training hoti hai. Is training ke through applicants ko finance management, production aur marketing ke skills sikhaye jaate hain.
2025 ke new update ke mutaabik online training modules bhi launch ho chuke hain jisse rural applicants easily join kar sakte hain.
PMEGP Scheme ke Under Eligible Projects
Iss scheme mein kai types ke projects cover hote hain jaise:
Food processing units
Handicrafts aur textile work
Digital printing and IT services
Beauty parlours aur tailoring
Organic product units
Furniture aur fabrication units
Bas dhyan rakhein ki tobacco, alcohol, firework manufacturing jaisi projects allowed nahi hain.
PMEGP Status Check Online
Aap apna PMEGP loan application status check kar sakte hain using Application ID. Naye system ke through real-time tracking feature add hua hai jisse applicant ko apni file ka progress clear dikhta hai.
PMEGP Loan 2024–25 Statistics
Government data ke hisab se:
78,000+ new projects sanction hue
₹2,188 crore subsidy allocate ki gayi
6 lakh se zyada employment opportunities create hue
Women aur youth applicants ka participation 35% tak badha hai
PMEGP vs PM Mudra Loan Yojana vs Stand-Up India
Feature | PMEGP | Mudra Loan | Stand-Up India |
|---|---|---|---|
Target Group | New Entrepreneurs | Micro Businesses | SC/ST & Women |
Max Loan Amount | ₹50 Lakh | ₹10 Lakh | ₹1 Crore |
Subsidy Available | Yes (up to 35%) | No | Equity-Based |
Collateral | Not needed up to ₹10L | Not needed | Required |
Suitable For | Manufacturing & Services | Small Traders | Medium Entrepreneurs |
PMEGP Loan Common Mistakes Jo Avoid Karni Chahiye
Project report incomplete submit karna
Galat documents attach karna
Training skip karna
Existing loan ke saath apply karna
Unrealistic cost estimation
Agar aap realistic aur detailed project report banate hain to loan approval chances 70% tak badh jaate hain.
PMEGP Loan Final Thought
PMEGP Loan Scheme 2025 naye entrepreneurs ke liye ek golden opportunity hai. Sarkar ke support ke saath aap apne sapne ka business chalu kar sakte hain aur apni community mein naye employment opportunities create kar sakte hain.
Frequently Asked Questions
PMEGP loan ek sarkari yojana hai jo naye entrepreneurs ko apna business start karne ke liye financial help deti hai. Iske liye aapko online PMEGP application form bharna hota hai, jisme personal details, project report, aur documents upload karne hote hain.
Aapki age 18 saal se upar honi chahiye aur project naya hona chahiye. For manufacturing sector, minimum 8th pass education zaroori hai jab project cost ₹10 lakh se zyada ho. Aap individual, SHG, society ya trust ho sakte hain.
Government PMEGP scheme ke tehat 15% se 35% tak ki subsidy deti hai based on rural/urban location aur category (general, SC/ST, women). Subsidy directly bank ke through project cost mein deduct ki jaati hai.
Online official PMEGP portal par apna form bharna, documents upload karna, EDP training complete karna aur bank se loan sanction karwana hota hai. Online PMEGP status bhi aap track kar sakte hain.
Aadhaar card, PAN card, project report, caste certificate (agar applicable ho), educational certificates, passport size photos, address proof, aur bank passbook ki copy.