Section 09
Ministries
मंत्रालय
26 ministries and departments that help businesses. For each one: its schemes, portal and helpline — we only list a helpline that is printed on the official page.
- ministries and departments
- 26
- with an official helpline
- 6
Ministries 14
MinistryMinistry of Micro, Small and Medium Enterprises (MoMSME)
Main central ministry for micro, small and medium units: Udyam registration, credit-linked subsidy, guarantees, cluster help, marketing and skilling.
What it does for you
- Runs the CHAMPIONS grievance and handholding portal and MSME Samadhaan for delayed payments from buyers.
- Works through DC-MSME, NSIC, KVIC, Coir Board, MSME Technology Centres and MSME-DFOs (see separate records).
What you get
- Prime Minister Employment Generation Programme (PMEGP)
- PM Vishwakarma
- Credit Support Programme
- Guarantee Emergency Credit Line (GECL) facility to eligible MSME borrowers
- Credit Linked Capital Subsidy (CLCS)
- Fund of Funds (Self-Reliant India / SRI Fund)
- Raising and Accelerating MSME Performance (RAMP)
- MSME Champions Scheme (incl. MSME Competitive (Lean), MSME Sustainable (ZED), MSME Innovative - Incubation, Design, IPR)
- Micro and Small Enterprise - Cluster Development Programme (MSE-CDP)
- Scheme for Fund for Regeneration of Traditional Industries (SFURTI)
- ASPIRE (Promotion of Innovation, Rural Industry and Entrepreneurship)
- Procurement and Marketing Support Scheme
- Entrepreneurship cum Skill Development Programme (ESDP)
- Establishment of New Technology Centres
- Technology Centre Systems Programme (TCSP) - EAP
- Tool Rooms & Technical Institutions (TR/TIs)
- Promotion of MSMEs in NER and Sikkim
- National Schedule Caste/Schedule Tribe Hub Centre
- Khadi Gramodyog Vikas Yojana
- Coir Vikas Yojana
- Studies, Publicity & International Cooperation (SPIC)
- Assistance to Training Institutions
- Also listed on DC-MSME site: Digital MSME, MSE-GIFT, MSE-SPICE, Credit Guarantee Scheme, Technology Development Fund (TDF) scheme
Merits
- One national grievance + handholding system (CHAMPIONS) with 1 central control room and 69 state control rooms in MSME-DFO, KVIC, NSIC, Coir Board and MSME testing centre offices.
- Budget 2026-27 shows 22 separate central sector scheme heads under this ministry, so most small-unit needs have some scheme.
Demerits
- Many schemes sit under umbrella heads (e.g. MSME Champions holds Lean, ZED and Innovative), so a founder must read each sub-scheme guideline separately.
- No phone helpline is printed on the CHAMPIONS contact page; only an email id.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · MSME CHAMPIONS - Control Rooms page · MSME CHAMPIONS - Contact Us
MinistryMinistry of Food Processing Industries (MoFPI)
Subsidy and grant support for food processing units, from micro units (PMFME) to large units (PLI, PMKSY).
What you get
- PM Formalisation of Micro Food Processing Enterprises (PMFME)
- Pradhan Mantri Kisan SAMPADA Yojana (PMKSY) - incl. Creation/Expansion of Food Processing & Preservation Capacities (Unit Scheme)
- Operation Greens (TOP crops) under PMKSY
- Production Linked Incentive Scheme for Food Processing Industry (PLISFPI)
- Refinance Scheme for affordable credit to food processing units (guidelines on MoFPI site)
- Entrepreneurship Development Programme (EDP)
Merits
- PMFME has its own portal for claiming subsidy for micro units.
- PLISFPI is budgeted Rs 1,200 crore BE 2026-27 per the Expenditure Profile.
Demerits
- PLISFPI applications closed in 2021 (MoFPI notice: last date extended to 24 June 2021) - new entrants cannot join.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · MoFPI home page
MinistryMinistry of Textiles
Support for textile, apparel, handloom, handicraft, silk, jute and wool businesses.
What you get
- PM MITRA (mega textile parks)
- Production Linked Incentive (PLI) Scheme for Textiles
- Amended Technology Upgradation Fund Scheme (ATUFS)
- National Technical Textiles Mission
- Integrated Processing Development Scheme
- Textile Cluster Development Scheme
- National Handloom Development Programme
- Raw Material Supply Scheme (handloom yarn)
- National Handicrafts Development Programme (NHDP)
- Handicraft Cluster Development Program - Mega Cluster
- Integrated Wool Development Programme
- Central Silk Board
- Scheme for Development of Jute Sector
- Integrated Scheme for Skill Development (Samarth)
- R and D Textiles
- Tex-RAMPS
- Integrated Textile Program
- Scheme for Protection of the Handlooms
Merits
- Separate schemes exist for handloom, handicraft, silk, jute and wool - small artisans have dedicated windows.
Demerits
- ATUFS is an old scheme; check whether new claims are still accepted before investing on its basis.
MinistryMinistry of Electronics & Information Technology (MeitY)
Support for electronics manufacturing, semiconductors, IT/ITeS and software startups.
What you get
- Production Linked Incentive Scheme (PLI) for electronics/IT hardware
- Electronics Components Manufacturing Scheme
- Modified Programme for Development of Semiconductors and Display Manufacturing Ecosystem
- India Semiconductor Mission 2.0
- Promotion of Electronics and IT HW Manufacturing (MSIPS, EDF and Manufacturing Clusters)
- Promotion of IT/ITeS Industries
- IndiaAI Mission
- R and D in IT/Electronics/CCBT
- Capacity Building and Skill Development Scheme
- Promotion of Digital Transactions
Merits
- Electronics Components Manufacturing Scheme is a separate 2026-27 budget line - relevant to component makers, not only big assemblers.
Demerits
- PLI and semiconductor schemes target large investments; small units benefit mainly as suppliers.
MinistryMinistry of Heavy Industries
Support for auto, EV, capital goods and construction equipment makers.
What you get
- PM E-DRIVE (EV demand incentives)
- PLI for Automobiles and Auto Components
- PLI for Advanced Chemistry Cell (ACC) Battery Storage
- Enhancement of Competitiveness in the Indian Capital Goods Sector
- Scheme for Enhancement of Construction and Infrastructure Equipment (CIE)
- PM-eBus Sewa - Payment Security Mechanism
- FAME India (older EV scheme, residual budget line)
- REPM Scheme (rare earth permanent magnets - listed on ministry site)
Merits
- PM E-DRIVE has its own portal linked from the ministry site.
Demerits
- Auto PLI is for large OEMs/component makers chosen earlier; new small firms cannot apply.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · Ministry of Heavy Industries home
MinistryMinistry of New and Renewable Energy (MNRE)
Solar, wind, bio-energy and green hydrogen schemes; rooftop solar and farm solar create installer and vendor businesses.
What you get
- PM Surya Ghar Muft Bijli Yojana (rooftop solar)
- PM-KUSUM (farm solar)
- Solar Power (Grid) and (Off-Grid)
- National Green Hydrogen Mission
- Wind Power (Grid)
- Hydro Power (Grid / Off-Grid)
- Bio Power (Grid / Off-Grid)
- Biogas Programme (Off-Grid)
- Green Energy Corridor
- Research and Development
Merits
- Rooftop and farm solar schemes create demand for local vendors and installers.
Demerits
- Vendor empanelment is done by state DISCOMs/agencies, not MNRE directly.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · MNRE home page
MinistryMinistry of Rural Development - DAY-NRLM (Lakhpati Didi)
DAY-NRLM organises rural women into self-help groups (SHGs) and links them to bank credit and enterprise support; the Lakhpati Didi push is run through it.
What you get
- Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)
- Viksit Bharat - Guarantee for Rozgar and Ajeevika Mission (Gramin) (VB-G RAM G)
- MGNREGA - programme component
- Pradhan Mantri Awas Yojana - Rural
- Pradhan Mantri Gram Sadak Yojana
Merits
- DAY-NRLM is a centrally sponsored scheme run through state rural livelihood missions in every state.
Demerits
- Help is routed through SHGs; an individual founder outside an SHG cannot use it directly.
- aajeevika.gov.in did not load during our 18 Oct 2026 check.
MinistryMinistry of Skill Development and Entrepreneurship (MSDE)
Skill training (ITIs, Skill India) and entrepreneurship programmes; useful for hiring trained staff and apprentices.
What you get
- Skill India Programme
- Integrated Scheme in Skilling Architecture
- PM SETU (upgraded ITIs)
- New ITI Upgradation Scheme
- Strengthening of Infrastructure for Institutional Training
- SANKALP (EAP)
- STRIVE (EAP)
Merits
- ITI upgradation schemes (PM SETU) bring industry partners into ITIs.
Demerits
- Most money goes to training institutions, not directly to businesses.
MinistryMinistry of Tourism
Destination development and marketing support for tourism and hospitality businesses.
What you get
- Swadesh Darshan (theme circuits)
- PRASHAD (pilgrimage)
- Champion Services Sector Scheme
- Overseas Promotion and Publicity incl. Market Development Assistance (MDA)
- Domestic Promotion and Publicity incl. MDA
- Capacity Building for Service Providers
- Assistance to Central Agencies for Tourism Infrastructure
- Safe Tourist Destination for Women
Merits
- Market Development Assistance heads exist for both domestic and overseas promotion.
Demerits
- Infrastructure schemes go to states and agencies; private operators gain indirectly.
MinistryMinistry of Tribal Affairs - TRIFED
TRIFED markets tribal products (Tribes India) and supports tribal forest-produce enterprises (PM Van Dhan).
What you get
- PM Van Dhan Yojana (PMVDY) - TRIFED
- Tribes India retail marketing
- PTP-NER scheme (TRIFED site)
- Programme for Development of Scheduled Tribes (PM Vanbandhu Kalyan Yojana)
- National Tribal Welfare Programme
- Venture Capital Fund for Scheduled Tribes (managed by IFCI Venture)
Merits
- Tribes India outlets give a ready retail channel for tribal producers.
Demerits
- Van Dhan support is through groups/clusters, not single founders.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · TRIFED home · IFCI Venture - Government Funds
MinistryMinistry of Minority Affairs - NMDFC
NMDFC gives concessional loans to notified minority communities for self-employment through state channel agencies.
What you get
- NMDFC loan schemes
- PM-VIKAS (PM Virasat Ka Samvardhan)
- Skill Development and Livelihoods
- Pradhan Mantri Jan Vikas Karyakram
Merits
- PM-VIKAS combines skilling and enterprise support for minority artisans.
Demerits
- NMDFC site content did not render in our check; scheme terms not confirmed.
MinistryMinistry of Corporate Affairs (MCA)
Company and LLP registration, annual filings, and the PM Internship Scheme for hiring interns.
What you get
- Company / LLP incorporation and filings (MCA21)
- PM Internship Scheme
- Corporate Data Management (CDM)
Merits
- All company and LLP filings are online on MCA21.
Demerits
- mca.gov.in blocked our automated check (HTTP 403); founders report portal slowdowns near filing deadlines (not confirmed here).
MinistryMinistry of Labour & Employment - EPFO and ESIC (for employers)
Employer registration for provident fund (EPFO) and health insurance (ESIC); incentives for hiring new workers.
What you get
- Pradhan Mantri Viksit Bharat Rozgar Yojana (PMVBRY / ELI scheme)
- EPF Scheme
- Employees' Pension Scheme 1995
- EDLI insurance
- Shram Suvidha portal (common registration and returns)
- National Career Services
- SRISTI (registration, inspection, samadhan)
Merits
- PMVBRY gives a hiring incentive for new employees (see EPFO site).
- ESIC prints toll-free numbers.
Demerits
- EPF/ESIC registration becomes mandatory once you cross staff thresholds, adding monthly compliance.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · EPFO home · ESIC home
MinistryMinistry of Cooperation
Support for cooperative societies, PACS computerisation, NCDC loans and cooperative exports.
What you get
- Grant-in-aid to National Cooperative Development Corporation (NCDC)
- Integrated Scheme on Agriculture Cooperation (ISAC)
- Grants to National Co-operative Exports Ltd (NCEL)
- Computerisation of PACS
- Strengthening of Cooperatives through IT Interventions
- Cooperative Training
Merits
- NCDC lends to cooperatives for processing and storage.
Demerits
- Only for registered cooperatives - a proprietorship or company cannot use these.
- cooperation.gov.in did not load in our 18 Oct 2026 check.
Departments, offices and boards 12
DepartmentOffice of the Development Commissioner (MSME) - with MSME-DFOs
Field arm of the MSME ministry. Runs the schemes on the ground through MSME Development & Facilitation Offices (MSME-DFO) and branch offices in states.
What it does for you
- MSME-DFO offices also act as CHAMPIONS state control rooms where you can walk in with a problem.
What you get
- MSME Champions Scheme (Lean, ZED, Innovative - Incubation, Design, IPR portals)
- Credit Linked Capital Subsidy Scheme for Technology Upgradation (CLCS-TUS, now inside Champions)
- Digital MSME Scheme
- MSE-GIFT Scheme
- MSE-SPICE Scheme
- Credit Guarantee Scheme
- Cluster Development Programme (MSE-CDP)
- ESDP Scheme
- SRI Fund / Fund of Funds
- TDF Scheme
- Procurement and Marketing Support
Merits
- Has physical offices in states (MSME-DFO and branch offices) listed as CHAMPIONS control rooms.
Demerits
- Scheme pages are spread across several portals (Innovative-Incubation, Design, IPR, ZED), which makes applying confusing.
Source: DC-MSME home page · MSME CHAMPIONS - Control Rooms page
DepartmentNational Small Industries Corporation Ltd (NSIC)
Government company under MoMSME. Helps small units buy raw material, get bank credit, sell to government and attend exhibitions.
What it does for you
- Runs NSIC Technical Services Centres (NTSC) for skill training, incubation and material testing.
What you get
- Raw Material Against Bank Guarantee
- Raw Material Against AWRT (warehouse receipt) against BG
- Bill Discounting against BG
- Credit Facilitation Through Bank
- Input Material Support Scheme
- Single Point Registration (government purchase)
- MSME Global Mart (B2B e-marketing)
- Marketing Facilitation Scheme
- Participation in MSME exhibitions
- National SC-ST Hub
- MSME Saarthi
- Technology Incubation
- Material Testing Labs
- NTSCs at Okhla, Rajpura, Aligarh, Hyderabad, Chennai, Howrah, Rajkot, Neemka (Faridabad)
Merits
- Raw-material and bill-discounting help is backed by bank guarantee, so a small unit can buy in bulk without full cash upfront.
Demerits
- Raw material and bill discounting schemes are listed as 'against BG' - you need a bank guarantee first.
Source: NSIC home page - schemes menu
BoardKhadi and Village Industries Commission (KVIC)
Nodal agency for PMEGP, the main central subsidy-linked loan scheme for new micro units.
What it does for you
- Runs Khadi and village industry programmes; KVIC offices are CHAMPIONS control rooms.
What you get
- Prime Minister Employment Generation Programme (PMEGP) - online portal
- Khadi Gramodyog Vikas Yojana
- SFURTI (traditional industry clusters)
Merits
- Single online portal for PMEGP application, used by banks and KVIC/KVIB/DIC offices.
Demerits
- The PMEGP portal did not load during our check on 18 Oct 2026 (connection timeout) - plan for portal downtime.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · MSME CHAMPIONS - Control Rooms page
DepartmentMSME Technology Centres (Tool Rooms & Technical Institutions)
Government tool rooms that make dies, moulds and tools for small units, test products and run long and short skill courses.
What you get
- Tool Rooms & Technical Institutions (TR/TIs)
- Technology Centre Systems Programme (TCSP)
- Establishment of New Technology Centres
Merits
- Budget 2026-27 still funds both old tool rooms and new technology centres.
Demerits
- Centres exist only in some cities; founders far away must travel.
DepartmentDepartment for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce & Industry
Recognises startups (Startup India), runs Make in India, industrial corridors, IPR offices and several PLI schemes.
What it does for you
- Startup recognition gives access to Seed Fund, Fund of Funds and Credit Guarantee for startups.
What you get
- Startup India Seed Fund Scheme (SISFS)
- Fund of Funds for Startups / Startup India Fund of Funds 2.0
- Credit Guarantee Scheme for Startups (Credit Guarantee Fund)
- PLI for White Goods (ACs and LED Lights)
- PLI for Footwear and Leather Sector
- Footwear, Leather and Accessories Development Programme (FLADP)
- Manufacturing Mission - Furthering Make in India
- Industrial Infrastructure Upgradation Scheme (IIUS)
- National Industrial Corridor Development and Implementation Trust (NICDIT)
- New Scheme for Plug and Play Industrial Parks
- Scheme for Investment Promotion
- Ease of Doing Business
- Uttar Poorva Transformative Industrialization Scheme (UNNATI)
- North Eastern Industrial and Investment Promotion Policy (NEIIPP)
- North East Industrial Development Scheme (NEIDS) 2017
- Transport/Freight Subsidy Scheme
- Package for Special Category States (J&K, Himachal Pradesh, Uttarakhand)
- Industrial Development Scheme 2017 for J&K and Ladakh
- Industrial Development Scheme for Himachal Pradesh & Uttarakhand
- Industrial Development of UT of Jammu and Kashmir
- Industrial Development of Ladakh, 2022
- Refund of Central and Integrated GST to industrial units in North Eastern Region and Himalayan States
Merits
- Startup India has a printed toll-free number and one portal for recognition and fund schemes.
Demerits
- Most region-specific incentive schemes (NE, Himalayan states) are old packages; check each for cut-off dates before planning.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · Startup India portal (helpline printed in footer) · DPIIT home
DepartmentDepartment of Commerce, Ministry of Commerce & Industry
Export side of the government: DGFT (IEC, export schemes), export promotion councils, commodity boards (Tea, Coffee, Rubber, Spices), APEDA and MPEDA.
What you get
- Remission of Duties and Taxes on Exported Products (RoDTEP)
- Duty Drawback Scheme
- Interest Equalisation Scheme
- Export Promotion Mission
- Market Access Initiative (MAI)
- Trade Infrastructure for Export Scheme (TIES)
- National Export Insurance Account
- Gems and Jewellery Sector support
- Agricultural and Processed Food Products Export Development Authority (APEDA)
- Marine Products Export Development Authority (MPEDA)
- Tea Board
- Coffee Board
- Rubber Board
- Spices Board
- DGFT: Niryat Bandhu scheme, EPCG (Export Promotion Capital Goods) - listed on DC-MSME/DGFT links
Merits
- Export incentives (RoDTEP, Drawback) are budgeted every year as central sector schemes.
Demerits
- Export help is split across DGFT, 30+ councils and boards - you must find the council for your product.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · Department of Commerce
DepartmentDepartment of Agriculture & Farmers Welfare
Support for farmers, FPOs, agri-infrastructure and agri-startups.
What you get
- Agriculture Infrastructure Fund (AIF)
- Formation and Promotion of 10,000 Farmer Producer Organisations (FPOs)
- Rashtriya Krishi Vikas Yojana (RKVY)
- Krishonnati Yojana
- National Mission on Natural Farming
- National Beekeeping & Honey Mission (NBHM)
- Blended Capital Support to Finance Startups for Agriculture and Rural Enterprise (farm produce value chain)
- Fund for Innovation and Adoption of Technology (FIAT)
- Namo Drone Didi
- Modified Interest Subvention Scheme (MISS)
- Crop Insurance Scheme
- PM-KISAN
- PM Kisan Man Dhan Yojana
- PM-AASHA
- Market Intervention Scheme and Price Support Scheme (MIS-PSS)
- Cotton Technology Mission
- Mission for Pulses
- Mission for Vegetables and Fruits
- National Mission on Hybrid Seeds
- Support for Makhana Board / Central Sector Scheme for Development of Makhana
- Bharat-VISTAAR
- Support for High Value Agriculture
Merits
- Kisan helpline number is printed on the official home page.
- AIF and FPO schemes are central sector schemes with their own budget lines in 2026-27.
Demerits
- Many schemes (RKVY, Krishonnati) are centrally sponsored and run through state agriculture departments, so the state decides timing.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · Department of Agriculture & Farmers Welfare home
DepartmentDepartment of Animal Husbandry & Dairying
Support for dairy, poultry, sheep-goat, piggery and feed units, plus infrastructure loans for processing.
What you get
- Infrastructure Development Fund (AHIDF)
- Dairy Development
- Rashtriya Gokul Mission
- National Livestock Mission
- Livestock Health and Disease Control Programme
- Integrated Scheme for Entrepreneurship Development
- Development Programmes (centrally sponsored umbrella)
Merits
- Budget 2026-27 carries a separate 'Integrated Scheme for Entrepreneurship Development' head for this department.
Demerits
- Scheme guidelines are on a JavaScript-heavy site we could — see the official guideline.; confirm current guidelines before applying.
DepartmentDepartment of Fisheries
Support for fish farming, hatcheries, cold chain, processing and fishing harbours.
What you get
- Pradhan Mantri Matsya Sampada Yojana (PMMSY)
- Fisheries and Aquaculture Infrastructure Development Fund (FIDF)
Merits
- PMMSY is a centrally sponsored scheme, so state fisheries offices take applications locally.
Demerits
- Only two scheme heads appear in the 2026-27 budget statements; other sub-schemes are inside PMMSY.
DepartmentDepartment of Pharmaceuticals, Ministry of Chemicals & Fertilisers
Support for drug, API and medical device makers, plus Jan Aushadhi stores for small retailers.
What you get
- Production Linked Incentive Schemes (pharma, bulk drugs, medical devices)
- Strengthening of Medical Device Industry
- Development of Pharmaceutical Industry (umbrella)
- Promotion of Research and Innovation in Pharma Med-Tech (PRIP)
- Bio-pharma SHAKTI
- Jan Aushadhi Scheme (PMBJP kendras)
- Chemical Parks (Dept of Chemicals & Petrochemicals)
Merits
- Jan Aushadhi gives a small-retailer entry route into pharma.
Demerits
- PLI schemes are for selected applicants; check open windows.
DepartmentDepartment of Social Justice & Empowerment - NSFDC and Venture Capital Fund for SCs
NSFDC gives concessional loans to Scheduled Caste entrepreneurs through channel partners.
What it does for you
- Venture Capital Fund for SCs (and for OBCs) gives equity/debt to SC/OBC-owned companies, managed by IFCI Venture Capital Funds Ltd.
What you get
- NSFDC loan / credit schemes
- Venture Capital Fund for SCs and OBCs
- PM-AJAY
- VISVAS Yojana (interest subvention)
- PM-DAKSH (skilling)
- SEED (DNT/NT/SNT)
- SMILE
- NAMASTE (mechanised sanitation)
Merits
- NSFDC prints a toll-free number.
- IFCI Venture publishes VCF-SC brochures and a loan application form online.
Demerits
- NSFDC loans flow through state channel partners, so speed depends on the state agency.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · NSFDC home · IFCI Venture Capital Funds - Government Funds
DepartmentDepartment of Financial Services (DFS), Ministry of Finance
Owns public sector banks and the main guarantee schemes for small loans (MUDRA, Stand-Up India) through NCGTC.
What you get
- Pradhan Mantri MUDRA Yojana (PMMY, through NCGTC)
- Stand-Up India (through NCGTC)
- Credit Guarantee Scheme for Micro Finance Institutions (CGSMFI)
- Incentive for RuPay debit and low-value BHIM-UPI (P2M) transactions
- Atal Pension Yojana
- Loan Guarantee Scheme for Covid Affected Sectors (residual)
- JanSamarth portal for credit-linked government schemes
Merits
- JanSamarth is one portal to apply for several credit-linked schemes.
Demerits
- DFS does not lend itself; the bank still decides.
Source: Union Budget 2026-27, Expenditure Profile, Statements 4A (Centrally Sponsored Schemes) and 4B (Central Sector Schemes) · JanSamarth portal