The PMEGP Loan Scheme 2025 (Prime Minister’s Employment Generation Programme) is now live and accepting applications from budding entrepreneurs and small business owners across India. Administered by the Khadi and Village Industries Commission (KVIC) under the Ministry of MSME, this central government initiative provides loan subsidies of up to ₹25 lakh to promote self-employment and generate jobs through micro-enterprise development.
Designed to empower individuals with innovative business ideas, the PMEGP Loan Scheme 2025 offers easy access to funding, financial assistance, and training support. It’s a golden opportunity for anyone looking to start a business in manufacturing, service, or agro-based sectors.
Who is Eligible for the PMEGP Loan Scheme?
To apply for the PMEGP Loan Scheme 2025, applicants must meet the following eligibility criteria:
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Must be 18 years or older
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At least 8th standard pass is required for projects above ₹10 lakh in manufacturing and ₹5 lakh in service sector
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Only new projects are eligible (existing units are not covered)
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Applicants from all categories, including SC/ST/OBC, minorities, women, ex-servicemen, and differently-abled, are encouraged
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Institutions like self-help groups (SHGs), cooperative societies, and registered trusts are also eligible
The scheme is open to rural and urban entrepreneurs, and special benefits apply to weaker sections and women.
Loan Amount and Subsidy Details
Under the PMEGP Loan Scheme 2025, applicants can avail:
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Up to ₹25 lakh for manufacturing projects
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Up to ₹10 lakh for service sector projects
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Government subsidy ranges from 15% to 35% based on category and region:
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General category (urban): 15% subsidy
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General category (rural): 25% subsidy
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SC/ST/OBC/women (urban): 25%
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SC/ST/OBC/women (rural): 35%
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The remaining amount is financed through banks, with a contribution margin of just 5%–10% from the applicant’s side.
How to Apply Online for PMEGP Loan in 2025
Applicants can apply for the ₹25 lakh PMEGP loan subsidy through the official PMEGP e-portal. Here’s how:
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Visit the official PMEGP portal: www.kviconline.gov.in
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Select “PMEGP e-Portal” and click on “Online Application Form for Individual”
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Fill out the application with personal, business, and financial details
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Upload necessary documents such as Aadhaar, PAN, educational certificate, project report, and photo
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Submit the form and note the application ID for future tracking
Post submission, the application is reviewed by District Task Force Committees (DTFCs) and forwarded to banks for loan processing.
Documents Required for Registration
To apply under the PMEGP Loan Scheme 2025, make sure to keep these documents ready:
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Aadhaar Card and PAN Card
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Caste/Category certificate (if applicable)
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Educational qualification certificate
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Passport-size photograph
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Project report/business plan
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Rural/urban area certificate
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Bank account details and IFSC code
Uploading accurate documents helps speed up the approval and disbursal process.
Conclusion
The PMEGP Loan Scheme 2025 offers a powerful platform for aspiring entrepreneurs to launch and expand their businesses with financial backing of up to ₹25 lakh. Backed by a generous government subsidy, low contribution requirement, and minimal paperwork, the scheme encourages innovation and promotes employment across India. If you’ve been planning to start your own venture in the MSME sector, now is the perfect time to take advantage of this govt scheme and turn your ideas into reality.
FAQs
Who can apply for the PMEGP Loan Scheme 2025?
Any Indian citizen above 18 years with a viable new business idea and the required documents can apply. Existing businesses are not eligible.
What is the maximum loan amount under PMEGP?
The scheme offers up to ₹25 lakh for manufacturing and ₹10 lakh for service-based projects.
How much subsidy is provided in PMEGP?
Subsidies range from 15% to 35%, depending on the applicant’s category and project location (rural or urban).
What is the applicant’s own contribution required?
Applicants need to contribute 5% to 10% of the total project cost based on their category.
How do I apply for the PMEGP loan online?
You can apply via the official PMEGP portal by filling out the online form, uploading required documents, and submitting your business proposal.
Click here to know more.