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.
PM Mudra Yojana
Collateral-free loans up to ₹20 lakh in four tiers — Shishu, Kishore, Tarun and the new Tarun Plus.
Check eligibility →CGTMSE
Collateral-free guarantee cover for MSME credit — borrow without pledging property.
Check eligibility →PMEGP
New unit subsidy of 15–35% for first-generation entrepreneurs setting up manufacturing or service units.
Check eligibility →Stand-Up India
₹10 lakh to ₹1 Crore for SC/ST and women entrepreneurs setting up greenfield enterprises.
Check eligibility →PM Vishwakarma
Concessional credit and skill support for traditional artisans and craftspeople.
Check eligibility →Startup India Seed Fund
Seed capital for DPIIT-recognised startups — proof of concept, prototype and market entry.
Check eligibility →CLCSS — Tech Upgradation
Capital subsidy for MSMEs upgrading plant & machinery to approved technology.
Check eligibility →PSB Loans in 59 Minutes
In-principle approval for MSME loans up to ₹5 Crore through the online PSB portal.
Check eligibility →JanSamarth-Linked Schemes
One portal, multiple credit-linked government schemes — we route your file to the right one.
Check eligibility →SIDBI MSME Schemes
Direct and refinance-linked SIDBI facilities for manufacturing and service MSMEs.
Check eligibility →Frequently Asked Questions
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.
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.
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 |
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.
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.
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.