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1. Empowering your bright ideas with the right funding.
5.Your growth is our growth.
2. Achieve your growth with growedge.
3.End to end support in all types of funding.
4.Financial guildline for business grow
PMEGP (Prime Minister's Employment Generation Programme)
PMEGP is a central government scheme that helps individuals start new manufacturing or service businesses. The loan is provided through banks at their normal lending rates, typically around 8%–12% per annum. The application and approval process usually takes 1–3 months depending on project approval and bank processing. No collateral is generally required for eligible projects, and the government provides a subsidy ranging from 15% to 35% of the project cost, depending on the applicant category and location.
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises)
CGTMSE is a credit guarantee scheme that enables banks to provide collateral-free loans to MSMEs. The interest rate depends on the lending bank and generally ranges from 8%–15% per annum. Loan processing typically takes 2–6 weeks. The major advantage is that borrowers can obtain business loans without providing property or other collateral, as the scheme provides a government-backed guarantee to the lender.
Mudra Loan (Pradhan Mantri Mudra Yojana)
Mudra Loan is designed for small businesses, startups, shopkeepers, traders, and self-employed individuals. Interest rates generally range between 8% and 12% per annum, depending on the bank and applicant profile. Processing time is usually 1–4 weeks. These loans are generally collateral-free and are available under different categories based on the funding requirement, making them suitable for small-scale business activities and working capital needs.
Business Loan
A business loan is offered by banks and financial institutions for business expansion, machinery purchase, inventory, and working capital requirements. Interest rates generally range from 10% to 24% per annum depending on the lender, business performance, and credit profile. Approval can take anywhere from 2 to 15 days. Depending on the loan amount and lender policy, the loan may be secured or unsecured.
Personal Loan
A personal loan is an unsecured loan provided for personal financial needs such as education, travel, medical expenses, or debt consolidation. Interest rates usually range from 10% to 24% per annum. Since no collateral is required, approval is often quick, typically within 1–7 days. Eligibility is based mainly on income, employment status, and credit history.
CMEGP (Chief Minister Employment Generation Programme)
CMEGP is a Gujarat Government scheme that promotes entrepreneurship by supporting new micro and small enterprises. Loans are provided through banks at prevailing rates, generally around 8%–12% per annum. The approval process usually takes 1–3 months. The scheme offers government subsidy support and is intended to generate employment and encourage business development within Gujarat.
NLM (National Livestock Mission)
NLM is a Government of India scheme that supports livestock-based businesses such as poultry farming, goat farming, sheep farming, piggery, and fodder production. Loans are generally financed through banks at interest rates of around 8%–12% per annum. Processing typically takes 1–2 months depending on project approval. The scheme provides subsidy assistance for eligible livestock projects, helping entrepreneurs reduce their investment burden and promote rural employment.