§1Who it is for

  • Individual MSMEs through State Government agencies

Useful if

MSMEs planning green/circular upgrades or chasing delayed payments.

Do not spend time on it if

—

§2Eligibility

  1. Benefits reach MSMEs through state programmes and RAMP sub-schemes; individual eligibility set by each sub-scheme (see the guideline).

§3Benefits

  • Sub-schemes: MSE-GIFT (interest subvention and guarantee for green tech), MSE-SPICE (capital subsidy for circular-economy solutions), MSE-ODR (online dispute resolution for delayed payments, ₹189 crore), MSME TEAM (e-commerce onboarding, cataloguing).
  • Aims to reach 5.5 lakh+ MSMEs.

§4Norms — pattern of assistance

  1. Total ₹6,062.45 crore, of which World Bank ₹3,750 crore (USD 500 million).

§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

    Through your state MSME department's RAMP plan, or the relevant sub-scheme portal.

§7Pros and cons

Merits

  • Includes green-tech interest subvention (MSE-GIFT) and circular-economy capital subsidy (MSE-SPICE) (MSME AR 2025-26).
  • Funds the MSME ODR portal for delayed payments (₹189 crore).

Demerits

  • Not a single window — benefit depends on state plans and sub-scheme rules.
  • Ends FY2026-27.

→Related schemes

Need help with RAMP?

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. Ministry of MSME: Annual Report 2025-26
  2. Ministry of MSME: Schemes for MSMEs booklet v2.0 (14 Feb 2025)

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