How to Apply PMEGP Loan Scheme 2026
Pradhan Mantri Employment Generation Programme (PMEGP) 2026 भारत सरकार की एक प्रमुख Self Employment & MSME Loan Scheme है, जिसका उद्देश्य नए उद्यम (New Business) और रोज़गार सृजन (Employment Generation) को बढ़ावा देना है।
इस योजना के तहत सरकार Bank Loan + Subsidy प्रदान करती है ताकि लोग Manufacturing, Service या Trading Business शुरू कर सकें।
📌 PMEGP Scheme 2026 क्या है?
PMEGP एक Credit Linked Subsidy Scheme है जिसे KVIC (Khadi and Village Industries Commission) द्वारा लागू किया जाता है।
इस योजना में Loan के साथ Subsidy दी जाती है, जिसे वापस नहीं करना होता।
👉 Applicable for:
- Rural Areas
- Urban Areas
🏭 Business Types Allowed under PMEGP
✔ Manufacturing Sector
- Small factory
- Food processing
- Furniture, garments, handicrafts
- Engineering & fabrication units
✔ Service Sector
- Salon, beauty parlour
- Mobile / electronics repair
- Computer center
- Transport, logistics
- Consultancy & services
⚠ Trading (pure buying–selling) generally not allowed, except some permitted categories.
💰 PMEGP Loan Amount & Subsidy Details
🔹 Maximum Project Cost
- Manufacturing Sector: ₹50 lakh
- Service Sector: ₹20 lakh
🔹 Subsidy Structure (Category-wise)
| Category | Urban Area | Rural Area |
| General | 15% | 25% |
| SC / ST / OBC / Minority / Women / Ex-Servicemen / PH | 25% | 35% |
📌 Subsidy directly bank loan account me adjust hoti hai (Margin Money).
👥 PMEGP Loan Eligibility Criteria
✔ General Eligibility
- Applicant must be Indian citizen
- Age 18 years or above
- New business only (existing units not eligible)
- Applicant should not have taken PMEGP benefit earlier
✔ Educational Qualification
- Project cost above ₹10 lakh (Manufacturing) or ₹5 lakh (Service)
👉 Minimum 8th pass mandatory
📝 PMEGP Loan Apply Process (Step-by-Step)
🖥️ Step 1: Visit Official PMEGP Portal
👉 https://www.kviconline.gov.in/pmegpeportal
🧾 Step 2: Online Application
- Click on PMEGP Online Application
- Select Individual / Institution
- Fill personal, educational & business details
📊 Step 3: Upload Project Report
- Business idea
- Project cost
- Machinery details
- Expected profit & employment
(Project Report is mandatory)
🏦 Step 4: Bank & Agency Selection
- Select bank (SBI, PNB, BOI, etc.)
- Select implementing agency:
- KVIC
- KVIB
- DIC
🔍 Step 5: Verification & Interview
- Application verification by agency
- Interview / EDP training (mandatory)
💳 Step 6: Loan Sanction & Subsidy
- Bank sanctions loan
- Subsidy (Margin Money) credited
- EMI starts after moratorium period
📄 Required Documents for PMEGP Loan
- Aadhaar Card
- PAN Card
- Educational Certificate
- Caste Certificate (if applicable)
- Project Report
- Bank Account Details
- Passport Size Photo
- Address Proof
🧠 PMEGP Project Report – Important Points
A good project report must include:
- Business overview
- Total project cost
- Machinery & raw material
- Working capital
- Employment generation
- Profit & loss estimate
📌 Strong project report = Higher approval chances
📌 PMEGP Loan Benefits
✔ Loan up to ₹50 lakh
✔ Subsidy up to 35%
✔ No collateral for small loans (as per bank norms)
✔ Government-backed scheme
✔ Ideal for MSME & self-employment
❓ FAQs – PMEGP Loan Scheme 2026
Q1. PMEGP loan maximum amount?
➡ Manufacturing: ₹50 lakh | Service: ₹20 lakh
Q2. Is PMEGP subsidy refundable?
➡ No, subsidy is non-refundable
Q3. Can I apply online?
➡ Yes, through KVIC PMEGP Portal
Q4. Is EDP training compulsory?
➡ Yes, before loan disbursement
Q5. How is subsidy given?
➡ Adjusted directly in bank loan account