Government Schemes for Small Businesses (2026)
6 schemes · central & state · official links
Data last verified against official sources:
These are the government schemes tracked on Nagarik that small business can use: loans for street vendors, artisans and micro food units, MSME credit, district products and innovation. 5 are central schemes that apply across India and 1 are run by state governments. Each scheme links to its own page with eligibility, status and the official website. Apply only on official government portals; you do not need an agent.
Central government schemes
| Scheme | Run by | What it offers | Official link |
|---|---|---|---|
| PM SVANidhi (Street Vendor Loans) | Government of India | Collateral-free working-capital loans for urban street vendors, with an interest subsidy for timely repayment and cashback on digital transactions. | pmsvanidhi.mohua.gov.in ↗ |
| PM Vishwakarma Yojana | Government of India | Credit, skill training, and marketing support for 18 traditional crafts and trades including carpentry, weaving, pottery, and blacksmithing. | pmvishwakarma.gov.in ↗ |
| PM Formalisation of Micro Food Enterprises (PM FME) | Government of India | Scheme to formalise and upgrade unregistered micro-enterprises in the food processing sector with credit access, technical support, and quality certifications. | pmfme.mofpi.gov.in ↗ |
| MSME Emergency Credit Line (ECLGS) | Government of India | Emergency Credit Line Guarantee Scheme provided 100% guaranteed, collateral-free working capital loans to MSMEs, microfinance institutions, and businesses hit by COVID-19. | ncgtc.in ↗ |
| Atal Innovation Mission (AIM) | Government of India | NITI Aayog programme that funds Atal Tinkering Labs in schools and Atal Incubation Centres for start-ups. | aim.gov.in ↗ |
State government schemes
| Scheme | Run by | What it offers | Official link |
|---|---|---|---|
| One District One Product (ODOP) | Uttar Pradesh | Promotes one GI-tagged or traditional product per district across all 75 districts of UP. | odopup.in ↗ |
Schemes for others
Frequently asked questions
Which government schemes are there for small business in India?
Schemes tracked on Nagarik include PM SVANidhi (Street Vendor Loans), PM Vishwakarma Yojana, PM Formalisation of Micro Food Enterprises (PM FME), MSME Emergency Credit Line (ECLGS), One District One Product (ODOP) and Atal Innovation Mission (AIM).
Which central government schemes are for small business?
Central schemes include PM SVANidhi (Street Vendor Loans), PM Vishwakarma Yojana, PM Formalisation of Micro Food Enterprises (PM FME), MSME Emergency Credit Line (ECLGS) and Atal Innovation Mission (AIM).
Where can I apply?
Apply only on the official portal of each scheme. For example: PM SVANidhi (Street Vendor Loans) (pmsvanidhi.mohua.gov.in); PM Vishwakarma Yojana (pmvishwakarma.gov.in).