PMEGP Loan Apply 2026 — 25 Lakh Ka Business Loan Kaise Lein
PMEGP (Prime Minister Employment Generation Programme) mein 25 lakh tak ka business loan milta hai 15-35% subsidy ke saath. Poora apply process janiye.
PMEGP Kya Hai?
Prime Minister Employment Generation Programme (PMEGP) ek central government scheme hai jo naye business shuru karne ke liye loan + subsidy deti hai. KVIC (Khadi aur Village Industries Commission) is scheme ko operate karti hai.
Subsidy Kitni Milti Hai?
| Category | Urban Subsidy | Rural Subsidy |
|---|---|---|
| General Category | 15% | 25% |
| SC/ST/OBC/Women/Ex-Serviceman | 25% | 35% |
| NER/Hill/Border Areas | 25% | 35% |
Loan Amount
- 🏭 Manufacturing: Maximum ₹50 Lakh
- 🛍️ Service/Trade: Maximum ₹20 Lakh
- 👤 Applicant ka contribution: 5-10% project cost
Eligibility
- ✅ Umra: 18 saal ya usse zyada
- ✅ New business — existing business nahi
- ✅ Minimum 8th class pass (manufacturing ₹10L+)
- ✅ Ek hi baar PMEGP benefit milega
Online Apply Process
- kviconline.gov.in par jayein
- "PMEGP" → "Apply Online" click karein
- Individual/Institution select karein
- Business plan bharein (Detailed Project Report)
- Documents upload: Aadhaar, PAN, Photo, Qualification Certificate
- Nearest KVIC/KVIB/DIC office se verification hogi
- Bank se loan sanction hoga
- Subsidy directly bank mein aayegi
💡 Tip: PMEGP ke liye Detailed Project Report (DPR) bahut important hai. KVIC office se free training li ja sakti hai.
