§1Who it is for

  • Unemployed youth and first-time entrepreneurs setting up micro/small units anywhere in Maharashtra

Useful if

First-time entrepreneurs in Maharashtra needing a bank loan up to Rs 1 crore

Do not spend time on it if

Existing units seeking expansion or projects above the cost ceilings

§2Eligibility

  1. Local resident of Maharashtra without permanent income, minimum age 18 (revised 2025 text states no upper age; earlier rule was 18–45 with 5-year relaxation)
  2. Education: minimum 8th pass for manufacturing projects above Rs 10 lakh and for service/agro-allied projects above Rs 5 lakh
  3. Rural area = area declared rural under PMEGP
  4. Eligible: legally permitted manufacturing, service, agro-allied and trading activities as per GR 2025 item 1 (Marathi)
  5. One-week (service/agro) or longer residential EDP training compulsory after loan sanction (GR 2025 items 5–6)

§3Benefits

  • Margin money (subsidy) on project cost via bank loan
  • Max project cost: manufacturing Rs 100 lakh (Rs 1 crore); service and agro-allied Rs 50 lakh (from 01.04.2025)

§4Norms — pattern of assistance

  1. Special category (SC/ST/women/PwD/ex-servicemen/other backward/VJNT/minority): service 25% urban (max Rs 5 lakh), 35% rural (max Rs 7 lakh); manufacturing 25% urban (max Rs 12.5 lakh), 35% rural (max Rs 17.5 lakh)
  2. General: service 15% urban (max Rs 3 lakh), 25% rural (max Rs 5 lakh); manufacturing 15% urban (max Rs 7.5 lakh), 25% rural (max Rs 12.5 lakh)
  3. Own contribution 10% (general), 5% (special); balance bank term loan (2019 guidelines)
  4. Working capital up to 60% of project cost for service/agro and 40% for manufacturing (GR 2025 item 4)
  5. Margin money is adjusted only after physical verification and 3 years from first loan disbursement, with DLTFC approval (GR 2025 item 9)

§5Documents

Not published

The guideline does not list the documents. Ask the portal or bank before you apply — we do not make up lists.

§6How to apply

  1. 1

    Apply online on maha-cmegp.gov.in (individual or non-individual form)

  2. 2

    DIC/KVIB District Level Task Force Committee recommends to bank

  3. 3

    Bank sanctions loan; complete EDP training

§7Pros and cons

Merits

  • Project cost ceiling raised to Rs 1 crore for manufacturing in 2025 (GR 21.05.2025)
  • Rural and special-category applicants get up to 35% subsidy

Demerits

  • Subsidy is back-ended — adjusted only after 3 years of loan disbursement (GR 2025 item 9)
  • Depends on bank sanction; DIC only recommends

→Related schemes

Need help with CMEGP?

Eligibility check, DPR and application file — ask us on WhatsApp.

WhatsApp usServices

Our interestHelp is our paid service. You can also apply for the scheme yourself.

Sources

  1. CMEGP modification GR dated 21 May 2025 (Industries Dept, Maharashtra)
  2. CMEGP Procedural Guidelines (Directorate of Industries, 2019)
  3. CMEGP e-portal
  4. myScheme (Govt of India portal) — CMEGP

Checked on 18 October 2026. For information only — confirm with the department or bank. Spotted a mistake? Report it.