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In order to generate continuous and sustainable employment opportunities in Rural and Urban areas of the country, PMEGP is a credit linked subsidy programme launched on 15th August 2008 by merging the two erstwhile schemes called Prime Minister’s Rojgar Yojana (PMRY) and Rural Employment Generation Programme (REGP).

The scheme administered by the Ministry of Micro, Small and Medium Enterprises and implemented by Khadi and Village Industries Commission

Implementing Agencies

  • National level: Kadhi and Village Industries Commission (KVIC)
  • State Level :State KVIC, State Khadi and Village Industries Boards (KVIB) & District Industries Centres (DICs) and banks.

Cost of the Project

The maximum cost for

  • Manufacturing sector : Rs.25 lakhs
  • Business/Services sector : RS.10 lakhs.

Eligible Entrepreneurs / Borrowers:

  • Individuals above 18 years of age.
  • VIII Std. pass required for project above Rs.10.00 lakhs in manufacturing and above Rs. 5.00 lakhs for Service Sector.
  • Self Help Groups and Charitable Trusts.
  • Institutions Registered under Societies Registration Act- 1860.
  • Production based Co-operative Societies.


  • 3 to 7 years with an initial moratorium not exceeding 6 months.


  • Assets created out of the bank's finance.
  • Personal guarantee of the proprietor / promoter.
  • No collateral security up to Rs. 10 lakhs.
  • Eligible units to be covered under CGMSE. (excluding Margin Money / subsidy component)

Margin Money (Subsidy) & Beneficiary’s Margin

Categories of beneficiaries under PMEGP Beneficiary’s own contribution (of project cost) Rate of Subsidy
    Urban Rural
General Category 10% 15% 25%
Special (including SC/ST/OBC /Minorities/ Women, Ex-Servicemen, Physically handicapped, NER, Hill and Border areas etc) 5% 25% 35%

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Aajeevika - National Rural Livelihoods Mission (NRLM) was launched by the Ministry of Rural Development (MoRD), Government of India in June 2011.NRLM is the flagship program of Govt. of India for promoting poverty reduction through building strong institutions of the poor, particularly women, and enabling these institutions to access a range of financial services and livelihoods services.

NRLM is designed to be a highly intensive program and focuses on intensive application of human and material resources in order to mobilize the poor into functionally effective community owned institutions, promote their financial inclusion and strengthen their livelihoods. NRLM complements these institutional platforms of the poor with services that include financial and capital services, production and productivity enhancement services, technology, knowledge, skills and inputs, market linkage, etc. The community institutions also offer a platform for convergence and partnerships with various stakeholders by building environment for the poor to access their rights and entitlements and public service.

In November 2015, the program was renamed Deen Dayal Antayodaya Yojana (DAY-NRLM).

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The Ministry of Housing & Urban Poverty Alleviation has launched a National Urban Livelihoods Mission (NULM). This has replaced the existing SJSRY from the beginning of the 12th Five Year Plan. NULM would be target-oriented with specific focus on the primary issues pertaining to urban poverty such as skill up-gradation, entrepreneurship development and employment creation through wage employment and self-employment opportunities opened up by the emerging markets in urban areas.

To reduce poverty and vulnerability of the urban poor households by enabling them to access gainful self employment and skilled wage employment opportunities, resulting in an appreciable improvement in their livelihoods on a sustainable basis, through building strong grassroots level institutions of the poor. The mission would aim at providing shelters equipped with essential services to the urban homeless in a phased manner. In addition, the mission would also address livelihood concerns of the urban street vendors by facilitating access to suitable spaces, institutional credit, social security and skills to the urban street vendors for accessing emerging market opportunities.

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MUDRA, which stands for Micro Units Development & Refinance Agency Ltd, is a financial institution beingset up by Government of India for development and refinancing micro units enterprises. It was announced by the Hon’ble Finance Minister while presenting the Union Budget for FY 2016. The purpose of MUDRA is to provide funding to the non-corporate small business sector through various Last Mile Financial Institutions like Banks, NBFCs and MFIs.

Under the aegis of Pradhan Mantri MUDRA Yojana (PMMY), MUDRA has already created its initial products / schemes. The interventions have been named ‘Shishu’, ‘Kishor’ and ‘Tarun’ to signify the stage of growth / development and funding needs of the beneficiary micro unit / entrepreneur and also to provide a reference point for the next phase of graduation / growth to look forward to. The financial limit for these schemes are :-

a. Shishu : covering loans upto 50,000/-

b. Kishor : covering loans above 50,000/- and upto 5 lakh

c. Tarun : covering loans above 5 lakh to 10 lakh

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Pradhan Mantri Awas Yojna (PMAY) or Housing for all by 2022 (Urban) is a housing scheme for Economically Weaker Section (EWS) and Low Income Group (LIG). Under the Credit Linked Subsidy, the beneficiary would be eligible for interest subsidy on purchase/construction of a house. The scheme is also available for enhancement of a dwelling unit.

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A new housing scheme PMAY-Gramin has been approved by the Cabinet on the 23rd March 2016. It will take place of existing Indira Awas Yojana (IAY) & Rural housing scheme.


The 'Stand up India Scheme' is aimed at promoting entrepreneurship among Scheduled Castes/Scheduled Tribes and women by giving loans in the range of Rs 10 lakh to Rs 1 crore for setting up a new enterprise. It is intended to facilitate at least two such projects per bank branch on an average one for each category of entrepreneur.

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