Business & loans Yojana 2026: Central & State Schemes
6 government schemes for business & loans — what you get, who can apply and the official link for each.
Central schemes
| Scheme | Benefit | For | Official portal | Latest |
|---|---|---|---|---|
| Lakhpati Didiलखपति दीदी (DAY-NRLM के अंतर्गत) | SHG support to earn ₹1 lakh+ a year | Women in DAY-NRLM self-help groups | ✓ lakhpatididi.gov.in | Updated 21 Aug 2026 |
| PM Vishwakarmaप्रधानमंत्री विश्वकर्मा | ₹15,000 toolkit + loans up to ₹3 lakh at 5% | Artisans in 18 traditional trades, aged 18+ | ✓ pmvishwakarma.gov.in | Updated 16 Sept 2026 |
| PM SVANidhiपीएम स्ट्रीट वेंडर की आत्मनिर्भर निधि (पीएम स्वनिधि) | Collateral-free loans of ₹15,000, ₹25,000, ₹50,000 | Street vendors in urban areas | ✓ pmsvanidhi.mohua.gov.in | Updated 30 May 2026 |
| PM Mudra Loanप्रधानमंत्री मुद्रा योजना | Business loans up to ₹20 lakh without collateral | Small and micro businesses | ✓ mudra.org.in | Updated 8 Apr 2026 |
| Stand-Up Indiaस्टैंड-अप इंडिया | Bank loans of ₹10 lakh–₹1 crore | Women and SC/ST first-time entrepreneurs | ✓ financialservices.gov.in | Scheme period ended 31 Mar 2025 |
| PMEGPप्रधानमंत्री का रोजगार सृजन कार्यक्रम | Up to 35% subsidy on a new micro-enterprise | Anyone 18+ starting a new non-farm unit | ✓ kviconline.gov.in | Updated 26 Jun 2026 |