Top Loan Scheme 2025 The Government of India brings loan schemes from time to time to provide financial assistance to different sections. The aim of these schemes is to promote self-employment, assist farmers, empower women, help students in higher education and make the poor self-reliant.
Here we will give detailed information about the 10 major government loan schemes of the year 2025 along with their benefits, eligibility, required documents, loan amount, interest rate and application process.

Top Loan Scheme 2025

You will get complete information about India’s 10 big loan schemes here in detail

1. Pradhan Mantri Mudra Yojana (PMMY)

Objective: To provide loans without guarantee to small traders, startups and self-employed, with the aim of providing employment and self-reliance to the youth in India. The plan is being considered a major effort

Loan categories:

Shishu Loan: Up to ₹50,000
Kishor Loan: ₹50,001 to ₹5 lakh
Tarun Loan: ₹5 lakh to ₹10 lakh

• Eligibility Criteria:

Applicant must be above 18 years of age.
Any Indian citizen who wants to start self-employment or small business.
The following documents should be prepared
There should not be any big debtor or bankruptcy of any kind

• Interest Rate:
According to this scheme the interest rate of all the banks can vary from 8% to 12%.

• Documents Required:

Aadhar Card, PAN Card
Passport Size Photo
Business Plan
Bank Statement
Address Proof
With the following documents you can easily get a loan

• Loan Tenure: Mudra Loan Scheme tenure is maximum 5 years and may be extended in some cases

• Application Process:

Complete information on how to apply online for Mudra Loan Scheme and what things should be kept in mind is provided here in detail.

2. Stand-Up India Scheme

A powerful initiative for women and SC/ST entrepreneurs
Today India is rapidly moving towards self-reliance. At a time when startup culture is emerging in the country, some sections are still left behind due to lack of resources। Especially women entrepreneurs, Scheduled Caste (SC) and Scheduled Tribe (ST) people, who face difficulty in accessing capital. Keeping the challenges in mind, the Government of India launched a revolutionary scheme – Stand-Up India Scheme.

This scheme is not just a loan scheme, but it is a concrete step towards social equality and economic independence. Let us understand this scheme in detail.

What is Stand-Up India Scheme?

Stand-Up India Scheme was launched by the Government of India on 5 April 2016. Its aim was to bring into the mainstream those sections which had been deprived of economic opportunities for a long time.

Under this scheme, it has been made mandatory for every banking branch in the country to give loan to at least one Scheduled Caste/Tribe person and one woman entrepreneur, so that they can start their business.

• Main objective of the scheme

To encourage women, SC and ST category people for self-employment
Providing them access to capital for business
Promoting entrepreneurship in both rural and urban areas
Ensuring economic participation of weaker sections of the society

• Loan amount and scope

Under the Stand-Up India scheme, eligible applicants are given loans ranging from ₹10 lakh to ₹1 crore. This loan is available for the following types of businesses:

Manufacturing industry
Trading
Service sector

The loan amount can include up to 75% of term loan and working capital, which is decided based on the total project cost.

• Eligibility Criteria

To avail the benefits of Stand-Up India Scheme, it is mandatory to fulfill the following eligibility conditions:

1. Applicant must be a citizen of India
2. Age 18 years or above
3. Applicant must belong to Scheduled Caste (SC), Scheduled Tribe (ST) or be a woman
4. The business should be new, not already running
5. There should not be any loan default (NPA) in any nationalized bank or financial institution
6. The business can be started as a Private Limited Company, Partnership Firm or Proprietorship Firm

• Loan Terms and Interest Rates

The loan terms under the Stand-Up India scheme are as follows:

Interest Rate: Fixed as per the base rate (MCLR) of the lending bank. It can usually range between 7.5% to 9%.

Repayment period: Maximum 7 years (grace period available from time to time)

Guarantee: Non-guarantee based loans also available through Credit Guarantee Fund Trust (CGTMSE)

Margin Money: Minimum 10% of the project cost has to be invested by the applicant himself.

• Documents Required

To avail the scheme, some important documents are required, such as:

1. Aadhar Card
2. PAN Card
3. Caste Certificate (for SC/ST category)
4. Bank Statement (6 months)
5. Business Plan and Project Report
6. Photograph and Signature
7. Residential Certificate
8. GST Registration (if applicable)
9. UDYAM Registration (Under MSME)

How to Apply?

There are two major ways to apply for Stand-Up India Scheme:

1. Online Application

Website: www.standupmitra.in
Fill the form (with Aadhaar and PAN)
Upload your business plan
Select bank and branch
After submission a bank representative will contact you

2. Offline Application

You can apply by visiting your nearest bank branch
Take all the necessary documents along with you
Complete the application process under the guidance of the bank manager
Additional allowance given by the government

The government not only gives loans but also guides by holding hands. Under the Stand-up India scheme:

Training programs
Business mentoring
Skill development

Marketing and networking support
Government portals or affiliated organizations help in all these aspects.

• Features of this scheme

Facility of loan without guarantee (under CGTMSE)
Effort to connect weaker sections with the mainstream
Promotion of women empowerment
Direct participation of banks
Complete transparency and digital process

Some inspiring examples

1. Seema Devi, a woman from Bihar who took a loan of ₹12 lakh to start a dairy business and is now employing 10 more women from her village.

2. Rajesh Munda, a tribal youth from Jharkhand who started making furniture from bamboo and now exports his products outside the state as well.

If you are a woman, or from Scheduled Caste/Tribe, and you have a dream of starting a new business but lack of capital is stopping you, then Stand-Up India Scheme is a golden opportunity for you.

3. Kisan Credit Card Scheme (KCC)

Kisan Credit Card Scheme 2025: The real key to farmer’s self-reliance

If there is anyone who is the base of India’s economy, then it is the farmer. The farmer takes many risks in the entire process from sowing seeds in the field to taking the grain to the market. In such a situation, he gets loan on time and at a cheap rate.
Understanding these needs, the Government of India started a scheme that not only provides immediate loans to farmers but also saves them from the clutches of middlemen and moneylenders. We are talking about – Kisan Credit

What is Kisan Credit Card Scheme?

Kisan Credit Card Scheme (KCC) was started in the year 1998. The main objective of this scheme is to provide easy access to credit to farmers for their agricultural needs
Under this scheme, the farmer is given a card (KCC), which works exactly like an ATM card. Through this card, the farmer can take a loan from the bank as per his need and then repay it after selling the crop.

• Objective of the scheme

To provide timely and easy loans to farmers
To eliminate dependency on moneylenders
To make agriculture economically strong
To make the loan process simple, transparent and digital
To provide interest to farmers

• Key features of Kisan Credit Card

Loan up to ₹1.60 lakh to farmers without any collateral
Loan up to ₹3 lakh available on normal terms
Interest rate up to 4% only, additional discount on timely repayment
Reusable
Insurance cover is also available with PM Crop Insurance Scheme

• Who can avail Kisan Credit Card? (Eligibility Criteria)

Any eligible Indian farmer can avail the benefits of Kisan Credit Card Scheme. Detailed information about eligibility is given below. These are:

1. Individual farmers who cultivate their own land

2. Farmers doing partnership or joint farming

3. Agricultural labourers or tenant farmers
4. Farmers doing fisheries, dairy and animal husbandry
5. Must be a landholder in government records (or have a tenancy contract)

• Required Documents

To get a Kisan Credit Card, you need to submit the following documents:

1. Aadhar Card and Identification Proof (Voter ID, Driving License)
2. PAN Card (if available)
3. Land ownership certificate or tenancy contract
4. Crop information or farming plan
5. Copy of bank passbook or statement
6. Photograph (passport size)

• Loan amount and interest rate

Details
Maximum loan amount up to ₹3 lakh
Interest rate 7% p.a. (Government provides subsidy of 3%, which makes the effective interest rate 4%)
Unsecured limit up to ₹1.6 lakh

Loan repayment period 6 to 12 months depending upon crop duration
Loan renewal every 5 years

• Application Process

1. Apply Online

Visit the official website: pmkisan or the website of the concerned bank

Click on “Kisan Credit Card Apply”
Fill the form and upload the required documents
After submission, the card will be issued after verification by the bank

PMEGP Loan Scheme 2025:

Top Loan Scheme 2025: When the unemployment rate increases in the country, Then the biggest challenge before the governments is – how to increase employment opportunities? The answer to this question lies not in merely providing government jobs but in encouraging self-employment.

With this in mind, the Government of India launched a powerful scheme – Pradhan Mantri Employment Generation Programme (PMEGP), which provides financial assistance to youth to start their own business. Under this scheme, the government provides loan without any guarantee and also gives subsidy. Let us understand this scheme in detail.

What is PMEGP scheme?

The full form of PMEGP is – Prime Minister’s Employment Generation Programme. This scheme is launched by two major institutions of the Government of India – Khadi and Village Industries Commission (KVIC) and Micro, Small and Medium Enterprises (MSME).

The objective of this scheme is to motivate youth, women, unemployed, people from rural and urban areas for self-employment, so that they can start small scale industry/business.

• Objective of the scheme

To provide self-employment opportunities to unemployed youth

To promote micro industries in rural and urban areas

To strengthen the MSME sector

Priority to women, SC, ST, OBC and minorities

Building business based on local resources

• Who can avail PMEGP loan? (Eligibility Criteria)

1. Any citizen of India, aged 18 years or above

2. Minimum 8th pass (if project cost is more than ₹10 lakh – for manufacturing, or ₹5 lakh for construction)

3. Individuals, Self Help Groups (SHG), Cooperatives, Societies, Trusts etc.

4. Should not have availed any PMEGP or Government Subsidy Scheme earlier

5. Government employees or bank defaulters are not eligible for this scheme

• Loan and subsidy available under PMEGP scheme

Category Subsidy in urban area Subsidy in rural area

General category 15% 25%

SC/ST/OBC/Women/PH/Ex-Servicemen/Ex-NER 25% 35%

Maximum project loan

₹Up to ₹25 lakh (for manufacturing units)

Up to ₹10 lakh (for service sector)

Loan from bank: Up to 60%–75%

Subsidy from government: Up to 15%–35%

Own contribution (Margin Money): 10% for general category, 5% for special category

• Required Documents

1. Aadhar Card

2. PAN Card

3. Passport Size Photograph

4. Educational Qualification Certificate (8th Pass)

5. Caste Certificate (If SC/ST/OBC or Minority)

6. Project report (detailed business plan)

7. Bank passbook and account statement

8. Residence certificate

9. Udyog Aadhaar (Udyam Registration, after loan approval)

Loan Application Process

1. Apply Online

Official Website: www.kviconline

Click on “Apply for Individual”

Fill in the form with personal details, bank details, project details

Upload documents

2. Training is mandatory

You have to undergo EDP Training (Entrepreneurship Development Programme) before loan approva

This training is for 5 to 10 days and is conducted by the nearest DIC or KVIC centre

3. Contact the bank

After application, the project report and documents are sent to the bank

The bank examines your plan and approves the loan

The subsidy amount is sent directly to the bank by the government

Which businesses can be started under PMEGP scheme?

Under this scheme, you can take loan for more than 100 types of industries, such as:

Paper bag or jute bag manufacturing

Mushroom production

Beauty parlor or salon

Mobile repairing center

Readymade garment unit

Dairy unit

Bakery or sweet shop

Welding workshop

Digital service center

Fertilizer-seed shop etc.

Note: There is a ban on trade related to narcotics, manufacturing of plastic bags etc.

• Benefits of PMEGP scheme

Loan up to ₹10-25 lakh without guarantee

Subsidy from the government up to 15-35%

Guidance and training to start a business

Opportunity to become self-reliant through self-employment

The interest rate on the loan is based on normal banking rates

Youth Success Stories

Aman Kumar, an unemployed youth from Bihar, took a loan of ₹8 lakh under the PMEGP scheme and started a LED bulb manufacturing unit. Today he has 6 employees and earns over ₹1 lakh per month

Shabnam Begum is a resident of Uttar Pradesh. She opened a readymade clothes shop by taking a PMEGP loan of ₹5 lakh. Today she is providing employment to many women.

• Important points to keep in mind

Prepare the project report well

Keep in touch with bank and KVIC officials

Attendance in training is mandatory

It is important to pay the installment on time, otherwise the loan may default

After applying, keep getting status information from the portal

Conclusion: The Foundation of Self-Reliant India

Top Loan Scheme 2025: PMEGP scheme is not just a loan scheme, but an opportunity – To stand on your own feet, to make your own identity, and to give employment to others as well. If you have a desire to start a business and you are not financially strong, then PMEGP scheme can prove to be a boon for you.