Business & Entrepreneurship
Central schemeDepartment of Animal Husbandry & Dairying
Animal Husbandry Infrastructure Development Fund
What the scheme does
A credit-support fund for eligible investment in animal-husbandry and allied processing or infrastructure activities.
Who it is for
Individual entrepreneurs, private companies, MSMEs, FPOs, Section 8 companies and dairy cooperatives proposing eligible animal-husbandry infrastructure can seek support through the prescribed lender and scheme route.
Current benefit
AHIDF supports investment in dairy and meat processing, animal feed plants, breed-improvement technology and multiplication farms, veterinary vaccines and drugs, animal-waste-to-wealth and primary wool-processing infrastructure. Support is credit-linked and subject to project appraisal; it is not a flat grant to every applicant.
How to access it
Use the official AHIDF route and participating financial-institution process. Prepare a viable project report, land or infrastructure details, cost estimates and the documents required for lender appraisal.
Conditions to know
Project viability, promoter identity, entity registration, land or lease details, statutory approvals, cost estimates and lender requirements are central. The proposed activity must be on the current eligible list.
Exam answer in one line
Remember: AHIDF is credit-linked infrastructure support for dairy, meat, feed, breed improvement, veterinary and waste-to-wealth projects; entrepreneurs, MSMEs, FPOs and dairy cooperatives are key beneficiaries.
AgricultureMSMEsInfrastructure
Business & Entrepreneurship
Central schemeMinistry of Housing and Urban Affairs
PM SVANidhi
What the scheme does
A working-capital support programme for eligible street vendors.
Who it is for
Eligible street vendors covered by the programme’s survey, certificate-of-vending or letter-of-recommendation route, subject to the current Urban Local Body and lending rules.
Current benefit
Collateral-free working-capital loan ladder: up to ₹10,000 in the first cycle, then up to ₹20,000 and ₹50,000 after timely repayment, with a 7% interest subsidy for eligible timely repayment and digital-transaction cashback under prevailing rules.
How to access it
Apply through the official PM SVANidhi process with the Urban Local Body, lending institution, digital portal or authorised facilitation route, as applicable in the city.
Conditions to know
Vendor identity or survey/vending documentation and current Urban Local Body or lending conditions are important. Repayment behaviour affects movement to the next loan cycle.
Exam answer in one line
Remember: street vendors; working-capital loan ladder ₹10,000 → ₹20,000 → ₹50,000; 7% interest subsidy for eligible timely repayment; urban-livelihoods and financial inclusion.
Urban developmentFinancial inclusionLivelihoods
Business & Entrepreneurship
Central schemeMinistry of Micro, Small and Medium Enterprises
PM Vishwakarma
What the scheme does
A support scheme for recognised traditional artisans and craftspeople.
Who it is for
Adult traditional artisans and craftspeople in the notified trades who meet the current scheme conditions; eligibility is verified through the prescribed local and portal process.
Current benefit
Recognition and ID, skill training with ₹500 daily stipend, toolkit incentive of up to ₹15,000, and collateral-free enterprise-development credit: up to ₹1 lakh in the first tranche and up to ₹2 lakh in the second, at the notified concessional rate.
How to access it
Apply through the official PM Vishwakarma portal and the prescribed verification pathway. Follow the portal’s current instructions for trade selection, local verification and benefit access.
Conditions to know
The applicant must be in a notified traditional trade and meet the portal’s current identity, age, family and verification conditions. Check the official list before applying.
Exam answer in one line
Remember: 18 notified traditional trades; artisan recognition, training, toolkit incentive and concessional collateral-free credit; Ministry of MSME.
MSMEsLivelihoodsSkill development
Business & Entrepreneurship
Central schemeMinistry of Micro, Small & Medium Enterprises
Prime Minister’s Employment Generation Programme
What the scheme does
A credit-linked subsidy programme intended to support new micro-enterprises in the non-farm sector.
Who it is for
Any individual aged 18 years or above can apply for a new eligible micro-enterprise. There is no income ceiling; for projects above ₹10 lakh in manufacturing or ₹5 lakh in business or service, the applicant must have passed at least Class VIII. One person from one family is eligible for assistance for a new unit.
Current benefit
PMEGP provides margin-money subsidy for new micro-enterprises. The current guideline lists 15% subsidy for general-category applicants in urban areas and 25% in rural areas; special-category applicants receive 25% in urban areas and 35% in rural areas. The applicant contribution is 10% for general category and 5% for special category. The subsidy is adjusted through the financing bank and is not a cash prize.
How to access it
Apply through the official PMEGP e-portal. Choose the implementing agency, submit the project and identity details, complete the prescribed entrepreneur-development training where required, and proceed through the bank appraisal and sanction process.
Conditions to know
Keep Aadhaar, age and education proof, project report, category or rural-area proof where relevant, and bank documentation ready. Existing units and projects already supported by specified government subsidies are not eligible for a fresh PMEGP new-unit subsidy.
Exam answer in one line
Remember: Ministry of MSME and KVIC nodal role; credit-linked margin-money subsidy for new micro-enterprises; general versus special-category subsidy rates differ by rural and urban location.
MSMEsEmploymentEntrepreneurship
Business & Entrepreneurship
Central schemeDepartment of Financial Services, Ministry of Finance
Stand-Up India
What the scheme does
A bank-loan facilitation programme for eligible women and Scheduled Caste or Scheduled Tribe entrepreneurs setting up greenfield enterprises.
Who it is for
A woman entrepreneur, or an SC/ST entrepreneur aged 18 years or above, can seek support for a greenfield enterprise in manufacturing, services, trading or agriculture-allied activities. For a non-individual enterprise, at least 51% ownership and controlling stake must be held by eligible women or SC/ST entrepreneurs.
Current benefit
The scheme facilitates composite bank loans from ₹10 lakh to ₹1 crore for a greenfield enterprise. The loan may cover term loan and working capital, normally up to 75% of the project cost subject to the scheme’s conditions and the borrower’s contribution or other support.
How to access it
Use the Stand-Up Mitra portal or approach a scheduled commercial bank branch. Select the sector and location, prepare a project report and complete the bank’s credit appraisal and documentation process.
Conditions to know
Keep identity, SC/ST proof where applicable, enterprise ownership details, project report, cost estimates, permits and bank-required records ready. The enterprise must be greenfield, meaning first-time venture in the relevant sector for the borrower.
Exam answer in one line
Remember: SC/ST or women entrepreneurs; greenfield enterprise; ₹10 lakh–₹1 crore composite bank loan; manufacturing, services, trading and agriculture-allied activities; distinguish it from MUDRA.
EconomyEntrepreneurshipSocial justice