What is a Government & PSU Loan Schemes and how is it used?

A Government & PSU Loan Schemes is a specialized financial facility designed to provide capital for business expansion, working capital, or asset purchase. For example, a Kolkata-based diagnostic center recently used a ₹50 Lakh unsecured facility to purchase new medical equipment, securing the funds in just 4 days at 11.5% interest.

What are the eligibility criteria and documents required for a Government & PSU Loan Schemes?

Eligibility requires a minimum CIBIL of 650, 2+ years of business vintage, and a minimum turnover of ₹40 Lakhs. Documents include 12 months bank statements, 2 years ITR, KYC, and business registration.

What are the interest rates and tenure for a Government & PSU Loan Schemes?

Interest rates for a Government & PSU Loan Schemes range from 10.5% to 18% annually depending on your CIBIL profile and whether collateral is provided. Tenure ranges from 12 to 180 months.

How does the application process work for a Government & PSU Loan Schemes?

The process is fully assisted. Your dedicated CreditCares advisor evaluates your profile, prepares a bank-ready file, and routes it to the specific lender most likely to approve it. Disbursal typically happens in 3 to 7 days.

Are there upfront fees for a Government & PSU Loan Schemes through CreditCares?

No. CreditCares operates on a success-fee model or is remunerated directly by the partner banks. You pay absolutely zero upfront advisory fees to have your profile evaluated and processed.

Home / Government & PSU Schemes

Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026

Government & PSU loan schemes, handled end to end.

Subsidised and collateral-free credit via PSU banks — we match you to the right scheme, prepare a bank-ready file and coordinate with the branch until disbursal.

CreditCares is a private consultancy — not affiliated with the Government of India. We assist with documentation & bank coordination only.

PM Mudra Yojana

Collateral-free loans up to ₹20 lakh in four tiers — Shishu, Kishore, Tarun and the new Tarun Plus.

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CGTMSE

Collateral-free guarantee cover for MSME credit — borrow without pledging property.

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PMEGP

New unit subsidy of 15–35% for first-generation entrepreneurs setting up manufacturing or service units.

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Stand-Up India

₹10 lakh to ₹1 Crore for SC/ST and women entrepreneurs setting up greenfield enterprises.

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PM Vishwakarma

Concessional credit and skill support for traditional artisans and craftspeople.

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Startup India Seed Fund

Seed capital for DPIIT-recognised startups — proof of concept, prototype and market entry.

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CLCSS — Tech Upgradation

Capital subsidy for MSMEs upgrading plant & machinery to approved technology.

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PSB Loans in 59 Minutes

In-principle approval for MSME loans up to ₹5 Crore through the online PSB portal.

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JanSamarth-Linked Schemes

One portal, multiple credit-linked government schemes — we route your file to the right one.

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SIDBI MSME Schemes

Direct and refinance-linked SIDBI facilities for manufacturing and service MSMEs.

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Government & PSU Loan Schemes FAQs

Frequently Asked Questions

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Everything you need to know about securing a Government & PSU Loan Schemes with CreditCares.

A Government & PSU Loan Schemes is a specialized financial facility designed to provide immediate capital for business expansion, working capital, or asset purchase.

Real Case Study: A Kolkata-based clinic recently used a ₹50 Lakh Government & PSU Loan Schemes through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.

Check your Government & PSU Loan Schemes eligibility now →

To qualify for a Government & PSU Loan Schemes, lenders look for absolute stability. You need:

CIBIL Score: 650 or higher (Strict requirement for unsecured).
Vintage: Minimum 2–3 years in the current business.
Turnover: Minimum ₹40 Lakhs annual turnover.

Documents needed: 12 months bank statements, 2 years ITR with computation, GST returns, KYC, and Business Registration.

Upload your documents securely here →

Interest rates are strictly tied to your CIBIL score and financial health. We negotiate directly with 80+ lenders to secure the lowest bracket.

Facility Type	Interest Rate (p.a.)	Tenure
Unsecured Government & PSU Loan Schemes	14.5% – 18.0%	12 – 48 Months
Secured (with Property)	9.5% – 12.0%	Up to 15 Years

Get a personalized rate quote →

We do the heavy lifting so you can focus on your business.

Evaluation: A named advisory desk expert analyzes your bank statements.
File Preparation: We structure your application to highlight your strengths.
Sanction: We submit to the right lender. Approval takes 24–48 hours.
Disbursal: Funds are credited to your account within 3–7 days.

Start your application today →

Zero upfront fees. We are compensated directly by our 80+ partner banks and NBFCs upon successful disbursal, or we charge a transparent success fee only after the loan is sanctioned.

We are legally bound to act in your best interest to secure the maximum amount at the lowest possible rate.

Talk to an advisor for free →

Let's find your loan

Tell us what you need. We'll do the running around.

Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.

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Government & PSU loan schemes, handled end to end.

PM Mudra Yojana

CGTMSE

PMEGP

Stand-Up India

PM Vishwakarma

Startup India Seed Fund

CLCSS — Tech Upgradation

PSB Loans in 59 Minutes

JanSamarth-Linked Schemes

SIDBI MSME Schemes

Frequently Asked Questions

Tell us what you need. We'll do the running around.

Check Loan Eligibility