Most of these schemes aren’t applied for directly — they’re routed through a participating lender or implementing agency, and it’s their call whether your file gets placed under the scheme at all. Knowing which scheme your profile actually fits, and asking the right lender the right question, matters more than the scheme’s name.
A scheme fit on paper still needs a lender willing to route it
CGTMSE cover, for example, currently extends up to ₹10 crore for eligible micro and small enterprises — but the guarantee only applies if the lending branch chooses to place your loan under the scheme, which some avoid because it adds a guarantee fee and paperwork on their end. Asking explicitly whether your file is being routed under CGTMSE, rather than assuming it, is often the difference between pledging collateral and not.
Scheme identification: matching your business profile to eligible central and state schemes
Eligibility pre-assessment: reviewing turnover, business age, sector classification, and registration status
Documentation structuring: compiling the required project report, registration certificates, and financial documents
Portal registration and application filing on government portals (Udyam, PMEGP portal, MUDRA, etc.)
Lender co-ordination for credit-linked schemes (PMEGP, MUDRA, CGTMSE)
Follow-up with implementing agencies through sanction and subsidy disbursal
What usually goes wrong
Applicants chase the scheme with the biggest subsidy headline rather than the one their profile actually clears. PMEGP margin money subsidy, for instance, requires the project cost and category classification to match precisely — a mismatch discovered after the project report is filed means starting the paperwork over, not amending it.
Central Government Schemes
We facilitate access to the following major central government programmes. Eligibility varies by sector, business type, and turnover — we assess your profile before recommending any scheme.
PMEGP — Prime Minister's Employment Generation Programme
Subsidy-linked credit for new micro enterprises in manufacturing and service sectors. Facilitation across eligible categories and margin money subsidy claim support.
MUDRA Loans (Shishu / Kishore / Tarun)
Micro-enterprise funding under the Pradhan Mantri MUDRA Yojana — facilitated across scheduled banks and MFIs for eligible borrowers.
CGTMSE — Credit Guarantee Fund Trust for MSEs
Collateral-free loan facilitation under CGTMSE coverage for micro and small enterprises — advisory on eligibility and lender matching.
PLI — Production Linked Incentive Schemes
Advisory for businesses in eligible manufacturing sectors on PLI scheme structure, application process, and institutional liaison.
Startup India / DPIIT Recognition
Advisory on DPIIT recognition eligibility and application support for startups seeking tax benefits, fund access, and IP fast-tracking.
SIDBI SPEED / SMILE / Loans
Small Industries Development Bank of India scheme facilitation for MSMEs — equipment finance, expansion loans, and technology upgrade advisory.
Telangana State Schemes
Telangana operates several business-friendly schemes with capital subsidies, employment incentives, and infrastructure support. We provide advisory on applicable schemes based on your sector and registration.
TS-iPASS — Integrated project approval and self-certification for new industries
T-IDEA — Telangana Industrial Development and Entrepreneur Advancement scheme
WE-Hub — Women Entrepreneurship Hub schemes for women-led businesses
T-Hub incubation and startup ecosystem programme advisory
Telangana MSME Promotion Policy subsidies and capital incentives
Food Processing and Agro-based Industry scheme facilitation
Bharat Finsol provides advisory and facilitation services only. Scheme approvals, subsidy disbursements, and eligibility determinations are entirely at the discretion of the relevant government authority or implementing agency. We make no guarantees regarding approval outcomes. This service does not constitute legal or regulatory advice.
Get a Free Assessment
Tell us about your business — we will identify which schemes you may be eligible for.
