Section 42
Divyang (persons with disabilities) entrepreneurs
Persons with 40% or more disability can get low-interest business loans from NDFDC through state agencies, and many central and state schemes add a higher subsidy for divyang founders.
- Persons with disabilities given financial help by NDFDC in five years (2019-20 to 2023-24) · 2024
- 88,133
- Upper limit of an NDFDC loan per beneficiary or unit · 2026
- ₹50 lakh
Schemes and loans for you
- NDFDC Divyang Swavlamban YojanaActiveConcessional loans for self-employment for persons with 40% or more disability, given through state channelising agencies and partner banks.Up to ₹50 lakh per beneficiary; women get a 1% interest rebate on loans up to ₹50,000Official page ↗
- PMEGP — special-category subsidyActiveDivyang persons count as special category under PMEGP: a higher subsidy and only 5% own money on a new unit.Subsidy 25% (urban) or 35% (rural) of project cost; projects up to ₹50 lakh (manufacturing) / ₹20 lakh (service)Details →Official page ↗
- Telangana MSME Policy 2024 — SC/ST/PwD packageActiveTelangana gives divyang founders the same higher package as SC/ST founders, including an investment subsidy before production starts.Manufacturing: 50% of fixed capital investment, max ₹1 croreDetails →Official page ↗
- Bihar Mukhyamantri Udyami Yojana — Divyangjan componentActiveBihar's grant-plus-interest-free-loan scheme has a separate component for divyang applicants.Up to ₹10 lakh (₹5 lakh grant + ₹5 lakh interest-free loan)Details →Official page ↗
- Maharashtra CMEGP — special categoryActiveDivyang applicants count as a special category with a higher subsidy under Maharashtra's employment-generation programme.Projects up to ₹1 crore (manufacturing) / ₹50 lakh (service)Details →Official page ↗
- Pradhan Mantri MUDRA Yojana (PMMY)ActiveCollateral-free bank loans for small non-farm businesses in four sizes: Shishu, Kishor, Tarun and Tarun Plus.Up to ₹20 lakh (Tarun Plus only after a Tarun loan is repaid)Details →Official page ↗
- NDFDC Vishesh Microfinance YojanaUnclearSmall loans to divyang self-help groups through micro-finance partners, to avoid moneylenders. The corporation's site lists disbursements only up to 2021-22, so check before applying.Official page ↗
Business ideas that suit you
- Stationery and Photocopy Centrefrom ₹10.5 lakh
- Computer Hardware Service Centrefrom ₹1.9 lakh
- Cyber Café & Back-Office Servicesfrom ₹6.7 lakh
- Tailoring Shopfrom ₹37,000
- Wax Candle Makingfrom ₹78,000
- Agarbatti (Incense Stick) Rolling Unitfrom ₹7.3 lakh
- Papad Makingfrom ₹2 lakh
- Provision Store (Grocery / Kirana)from ₹47.2 lakh
- Tea Stallfrom ₹28,000
Sources (8)
- Lok Sabha Starred Question 311, answered 17 Dec 2024 — assistance by NDFDC 2019-20 to 2023-24 · 2024
- NDFDC — How to obtain loan (limit ₹50 lakh per beneficiary, sanction through State Channelising Agencies) · 2026
- NDFDC — Schemes (Divyang Swavlamban Yojana, women's 1% rebate, Vishesh Microfinance Yojana) · 2026
- PMEGP continued over the 15th Finance Commission cycle (special-category subsidy 25% urban / 35% rural) · 2022
- Telangana Operational Guidelines for Implementation of MSME Policy 2024 · 2024
- MMUY 2025-26 guideline (Annexure II) · 2026
- CMEGP modification GR dated 21 May 2025 · 2025
- MUDRA — PMMY products (Shishu, Kishor, Tarun, Tarun Plus) · 2026