Prime Minister's Employment Generation Programme (PMEGP)
PMEGP — KVIC ke through implemented, naya manufacturing/service enterprise setup ke liye loan + subsidy combination. Manufacturing ₹50 lakh tak, service ₹20 lakh tak.
Scheme Overview
PMEGP (Prime Minister's Employment Generation Programme) Government of India ki major credit-linked subsidy scheme hai. Yeh KVIC (Khadi and Village Industries Commission) — Ministry of MSME ke through implement hoti hai. Main objective: new employment opportunities create karna by setting up new micro-enterprises in non-farm sector. Scheme me applicant ko subsidy (margin money) milti hai jo project cost ka 15% se 35% tak ho sakti hai based on category aur location.
Scheme Categories & Coverage
| Category | Limit/Coverage | Description |
|---|---|---|
| Manufacturing Sector | Up to ₹50 lakh project cost | Higher subsidy range |
| Service Sector | Up to ₹20 lakh project cost | Service-based ventures |
| General Category | 15% (Urban) / 25% (Rural) subsidy | Standard |
| Special Category (SC/ST/Women/PH/NE/Hill) | 25% (Urban) / 35% (Rural) subsidy | Higher concession |
Note: Indicative figures from publicly available government sources. Subject to scheme revisions and lender's discretion.
Eligibility Criteria
- Age: 18 years and above
- Minimum education: VIII pass (for projects above ₹10 lakh in manufacturing, ₹5 lakh in service)
- First-time applicant (greenfield projects only)
- No income ceiling
- Self-Help Groups (SHG), Charitable Trusts, Co-operative Societies, Production Co-operative Societies also eligible
- Existing units ya already availed government subsidy under other schemes — not eligible
Required Documents
- Aadhaar + PAN of applicant
- Address proof
- Educational qualification certificate (8th pass minimum for higher projects)
- Caste certificate (for SC/ST/OBC applicants)
- Project report (detailed)
- Quotations for plant & machinery
- Land ownership / lease deed for project location
- Population certificate from Gram Panchayat / ULB (to determine rural/urban)
- Online application via PMEGP e-portal
Specific documentation requirements may vary by lender, region, and scheme version. Verify with implementing agency.
Application Process
- PMEGP e-portal (kviconline.gov.in/pmegpeportal) pe online application submit karo
- Detailed Project Report (DPR) upload karo with quotations
- Application district-level Task Force Committee (DTFC) ke pass jata hai
- DTFC scrutiny + recommendation
- Financing bank credit appraisal karti hai
- Sanction + disbursement (subsidy bank ke through credit hoti hai 'Margin Money')
Key Benefits
- Margin Money (Subsidy): 15-35% of project cost (category + location based)
- Bank loan: 60-75% of project cost
- Beneficiary contribution: only 5-10%
- No collateral for projects up to ₹10 lakh (under CGTMSE coverage)
- Special focus on SC/ST/Women/PH/Minority/Ex-servicemen
- Hill/Northeast region: higher subsidy
🚀 General Guidance Needed?
ProWiderKart facilitator se free advisory le sakte ho — general information aur eligibility direction ke liye.
💬 WhatsApp Free AdvisoryFrequently Asked Questions
PMEGP me maximum kitna project cost allowed hai?
Manufacturing sector me ₹50 lakh tak, service sector me ₹20 lakh tak. Yeh project cost includes margin money + bank loan + beneficiary contribution.
PMEGP subsidy ka kya structure hai?
General category urban 15%, rural 25%. Special category (SC/ST/Women/PH/NE/Hill) urban 25%, rural 35%. Yeh subsidy 'Margin Money' ke form me bank me credit hoti hai.
Kya existing business expand karne ke liye PMEGP use kar sakte ho?
Nahi. PMEGP greenfield (first-time) projects ke liye hai. Already running business expand karne ke liye PMEGP applicable nahi.
Educational qualification mandatory hai kya?
Manufacturing me ₹10 lakh+ aur service me ₹5 lakh+ projects ke liye minimum 8th pass mandatory hai. Smaller projects ke liye no minimum qualification.
Application kahan submit karein?
Online only — PMEGP e-portal (kviconline.gov.in/pmegpeportal) pe. Offline application accept nahi hoti.
Kya CGTMSE coverage milti hai PMEGP loans pe?
Haan, ₹10 lakh tak ke loans pe CGTMSE guarantee coverage milti hai, jisse collateral-free loan possible hota hai.