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2021 |
DPIIT |
DPIIT-recognized startups through incubators |
Startup India Seed Fund Scheme (SISFS)
Four-year scheme with ₹945 crore corpus supporting startups for proof of concept, prototype development, product trials, market entry and commercialization. 213 incubators approved, 2,490 startups selected for ₹454.04 crore funding. |
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2021 |
Ministry of Finance |
Banks, merchants promoting digital payments |
Incentive Scheme for Digital Payments (RuPay & BHIM-UPI)
₹3,500 crore scheme for FY 2023-24 promoting RuPay debit cards and BHIM-UPI P2M transactions. ₹3,000 crore for BHIM-UPI and ₹500 crore for RuPay. Incentivizes digital payment adoption. |
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2019 |
Ministry of Electronics & IT (MeitY) |
ICT startups using emerging technologies |
Technology Incubation and Development of Entrepreneurs (TIDE 2.0)
₹264.62 crore scheme promoting tech entrepreneurship through 51 incubators. Focuses on IoT, AI, blockchain, robotics startups in societal relevance areas. Expected to guide approximately 2,000 tech startups. |
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2019 |
DPIIT |
DPIIT-recognized startups |
Credit Guarantee Scheme for Startups (CGSS)
Credit guarantee for loans from banks, NBFCs and venture debt funds. Implemented by NCGTC. ₹555.24 crore in loans guaranteed to 235 startups including ₹24.60 crore to 18 women-led startups. |
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2016 |
DPIIT |
Indian startups through SEBI-registered AIFs |
Fund of Funds for Startups (FFS)
Corpus of ₹10,000 crore managed by SIDBI. ₹11,148 crore committed, catalyzing investments of ₹21,221.36 crore in 1,165 startups. Does not invest directly but funds AIFs which invest in startups through equity. |
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2015 |
Ministry of MSME |
Non-corporate, non-farm micro enterprises |
Pradhan Mantri MUDRA Yojana (PMMY)
Collateral-free loans up to ₹10 lakh through three categories: Shishu (up to ₹50K), Kishore (₹50K-₹5L), Tarun (₹5L-₹10L). Supports micro-enterprises and small businesses through banks, NBFCs, MFIs. |
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2014 |
Ministry of Finance, Department of Financial Services |
All Indian citizens for financial inclusion |
Pradhan Mantri Jan Dhan Yojana (PMJDY)
National mission for financial inclusion providing banking services, RuPay debit cards, overdraft facilities, insurance and pension. Over 55 crore accounts opened with ₹2.39 lakh crore deposits. Part of JAM Trinity. |
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2013 |
Ministry of Finance (Controller General of Accounts) |
Beneficiaries of government welfare schemes |
Direct Benefit Transfer (DBT) through PFMS
Digital platform for direct transfer of subsidies and benefits to bank accounts. 1,206 welfare schemes integrated, ₹6.7 lakh crore transferred in FY 2024-25. Eliminates intermediaries and reduces leakages. |
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2008 |
Ministry of MSME |
Individuals above 18 years, SHGs, cooperatives |
Prime Minister Employment Generation Programme (PMEGP)
Self-employment scheme providing loans up to ₹25 lakh for manufacturing and ₹10 lakh for services. 15-35% subsidy varying by location and category. Promotes entrepreneurship among youth and traditional artisans. |
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2000 |
Ministry of MSME |
Micro and Small Enterprises |
Credit Guarantee Fund Trust for MSE (CGTMSE)
Collateral-free credit guarantee for loans up to ₹2 crore. 85% coverage for loans up to ₹5 lakh, 75% for others. Extended to NBFCs and Small Finance Banks. 80% coverage for women-owned enterprises and NE region |
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