NPO ECOSYSTEM to RISE, LEAD & SCALE for Women Entrepreneurs
Indian Institute of Finance Schemes : STARTUP | MSME
Stand-Up India
PMEGP (Prime Minister’s Employment Generation Prog.)
PMMY (Pradhan Mantri Mudra Yojana – MUDRA Loan)
Who is it for?
• Women entrepreneurs, SC/ST entrepreneurs
• Greenfield enterprise only
• 51%+ ownership by eligible category
Ticket Size
• ₹10 lakh – ₹1 crore term loan
Subsidy / Guarantee
• No subsidy; margin supported via convergence
• Collateral may be required
Typical Interest Band
• MCLR + 3% + tenor premium
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How WIFI Foundation Hel
Who is it for?
• Women entrepreneurs, SC/ST entrepreneurs
• Greenfield enterprise only
• 51%+ ownership by eligible category
Ticket Size
• ₹10 lakh – ₹1 crore term loan
Subsidy / Guarantee
• No subsidy; margin supported via convergence
• Collateral may be required
Typical Interest Band
• MCLR + 3% + tenor premium
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How WIFI Foundation Helps
• Eligibility mapping & B-Plan creation
• Documentation, financial projections
• Bank coordination & loan structuring
• Venture launch mentoring + compliance support
PMMY (Pradhan Mantri Mudra Yojana – MUDRA Loan)
PMEGP (Prime Minister’s Employment Generation Prog.)
PMMY (Pradhan Mantri Mudra Yojana – MUDRA Loan)
Who is it for?
• Micro units in trading, services, manufacturing, agri-allied
• New or existing small entrepreneurs
Ticket Size
• Shishu: up to ₹50,000
• Kishor: ₹50,000 – ₹5 lakh
• Tarun: ₹5 – ₹10 lakh
• Tarun Plus: up to ₹20 lakh
Subsidy / Guarantee
• Collateral-free loans via CGFMU / CGTMSE coverage
Typical Interest Band
• Generally ~11–1
Who is it for?
• Micro units in trading, services, manufacturing, agri-allied
• New or existing small entrepreneurs
Ticket Size
• Shishu: up to ₹50,000
• Kishor: ₹50,000 – ₹5 lakh
• Tarun: ₹5 – ₹10 lakh
• Tarun Plus: up to ₹20 lakh
Subsidy / Guarantee
• Collateral-free loans via CGFMU / CGTMSE coverage
Typical Interest Band
• Generally ~11–13% depending on bank
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How WIFI Foundation Helps
• Loan selection (Shishu/Kishor/Tarun)
• Udyam + KYC + financials preparation
• Bank tie-ups & follow-ups
• Fast sanction guidance without upfront fees
PMEGP (Prime Minister’s Employment Generation Prog.)
PMEGP (Prime Minister’s Employment Generation Prog.)
PMEGP (Prime Minister’s Employment Generation Prog.)
Who is it for?
• New micro-enterprises in manufacturing & services
• Individuals 18+, SHGs, Societies, Trusts, Co-ops
• First-time entrepreneurs
Ticket Size
• Manufacturing: ₹50 lakh
• Service: ₹20 lakh
Subsidy / Grant
• 15–35% Margin Money Subsidy (category & location-based)
Typical Interest Band
• Approx 11–13% per annum (bank-linked)
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Who is it for?
• New micro-enterprises in manufacturing & services
• Individuals 18+, SHGs, Societies, Trusts, Co-ops
• First-time entrepreneurs
Ticket Size
• Manufacturing: ₹50 lakh
• Service: ₹20 lakh
Subsidy / Grant
• 15–35% Margin Money Subsidy (category & location-based)
Typical Interest Band
• Approx 11–13% per annum (bank-linked)
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How WIFI Foundation Helps
• Complete DPR + documentation + project planning
• Bank coordination & application submission
• Subsidy approval support
• 0 upfront consultancy fees
• 92% success rate, 30–45 days typical turnaround
CGTMSE (Credit Guarantee for MSMEs)
CLCSS / CLCS-TUS (Tech Upgradation Subsidy)
PMEGP (Prime Minister’s Employment Generation Prog.)
Who is it for?
• New or existing Micro & Small Enterprises
• Women-owned units get higher coverage
• For obtaining collateral-free term loan / WC
Ticket Size
• Guarantee up to ₹10 crore (bank dependent)
Subsidy / Guarantee
• 75–80% guarantee cover (higher in special cases)
Typical Interest Band
• Bank’s regular MSME term loan rate
• Additio
Who is it for?
• New or existing Micro & Small Enterprises
• Women-owned units get higher coverage
• For obtaining collateral-free term loan / WC
Ticket Size
• Guarantee up to ₹10 crore (bank dependent)
Subsidy / Guarantee
• 75–80% guarantee cover (higher in special cases)
Typical Interest Band
• Bank’s regular MSME term loan rate
• Additional guarantee fee applicable
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How WIFI Foundation Helps
• Structuring collateral-free proposals
• Documentation + CMA report + projections
• Helping choose best MLIs & loan types
• Faster processing with error-free applications
Startup India Seed Fund Scheme (SISFS)
CLCSS / CLCS-TUS (Tech Upgradation Subsidy)
CLCSS / CLCS-TUS (Tech Upgradation Subsidy)
Who is it for?
• DPIIT-recognised startups (≤2 years old)
• Innovative, scalable, tech-enabled ventures
Ticket Size
• Grant: up to ₹20 lakh (PoC, prototype)
• Market/Commercialisation support: up to ₹50 lakh
Subsidy / Grant
• Non-dilutive grant through incubators
Typical Interest Band
• Grant = 0%
• Convertible instruments (for scale-up) = n
Who is it for?
• DPIIT-recognised startups (≤2 years old)
• Innovative, scalable, tech-enabled ventures
Ticket Size
• Grant: up to ₹20 lakh (PoC, prototype)
• Market/Commercialisation support: up to ₹50 lakh
Subsidy / Grant
• Non-dilutive grant through incubators
Typical Interest Band
• Grant = 0%
• Convertible instruments (for scale-up) = negotiable
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How WIFI Foundation Helps
• Startup recognition + pitch deck + problem-solution fit
• Incubator connection + grant application drafting
• Prototype planning + technical mentor support
• Compliance + utilisation report guidance
CLCSS / CLCS-TUS (Tech Upgradation Subsidy)
CLCSS / CLCS-TUS (Tech Upgradation Subsidy)
CLCSS / CLCS-TUS (Tech Upgradation Subsidy)
Who is it for?
• Existing manufacturing MSMEs upgrading machinery
• Quality, productivity & tech-improvement projects
Ticket Size
• Eligible machinery cost up to ₹1 crore
Subsidy / Grant
• 15% capital subsidy, max ₹15 lakh
Typical Interest Band
• Regular MSME term-loan interest by bank
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How WIFI Foundation Helps
• Identifying eligible mac
Who is it for?
• Existing manufacturing MSMEs upgrading machinery
• Quality, productivity & tech-improvement projects
Ticket Size
• Eligible machinery cost up to ₹1 crore
Subsidy / Grant
• 15% capital subsidy, max ₹15 lakh
Typical Interest Band
• Regular MSME term-loan interest by bank
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How WIFI Foundation Helps
• Identifying eligible machinery
• Coordinating with OEMs + bank for financed purchase
• Application & technical documentation
• Faster subsidy processing
PM-FME / PMFME (Food Processing Units)
NSIC Schemes (Raw Material Assistance / Marketing Support)
PM-FME / PMFME (Food Processing Units)
Who is it for?
• Individual micro food-processing units
• FPOs, SHGs, Co-operatives
• Food manufacturers / processors
Ticket Size
• Unit-level financial support up to ₹10 lakh
Subsidy / Grant
• 35% capital subsidy (very high)
Typical Interest Band
• Bank loan for remaining cost at standard MSME term rate
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How WIFI Foundation Helps
• FSSAI
Who is it for?
• Individual micro food-processing units
• FPOs, SHGs, Co-operatives
• Food manufacturers / processors
Ticket Size
• Unit-level financial support up to ₹10 lakh
Subsidy / Grant
• 35% capital subsidy (very high)
Typical Interest Band
• Bank loan for remaining cost at standard MSME term rate
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How WIFI Foundation Helps
• FSSAI, branding, packaging, DPR
• Bank tie-ups for loan + subsidy
• Cluster-based mentoring for food businesses
• Marketing + GST + compliance support
SIDBI Schemes (SMILE, SEF, etc.)
NSIC Schemes (Raw Material Assistance / Marketing Support)
PM-FME / PMFME (Food Processing Units)
Who is it for?
• MSMEs in expansion, modernization, tech-upgrade
• Manufacturing & service sectors
Ticket Size
• Typically ₹10 lakh+, depending on product
Subsidy / Grant
• Soft loan (quasi-equity) + term loan benefits
• Lower effective cost due to soft funding
Typical Interest Band
• Generally lower than commercial rates
• Scheme-specific
Who is it for?
• MSMEs in expansion, modernization, tech-upgrade
• Manufacturing & service sectors
Ticket Size
• Typically ₹10 lakh+, depending on product
Subsidy / Grant
• Soft loan (quasi-equity) + term loan benefits
• Lower effective cost due to soft funding
Typical Interest Band
• Generally lower than commercial rates
• Scheme-specific pricing
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How WIFI Foundation Helps
• DPR + cash-flow modelling
• SIDBI liaison + proposal preparation
• Tech-upgradation roadmaps
• End-to-end sanction assistance
NSIC Schemes (Raw Material Assistance / Marketing Support)
NSIC Schemes (Raw Material Assistance / Marketing Support)
NSIC Schemes (Raw Material Assistance / Marketing Support)
Who is it for?
• Manufacturing MSMEs needing raw material credit
• Export-oriented units
Ticket Size
• Depends on raw material requirement (can go high)
Subsidy / Benefit
• Cheaper raw material procurement
• Credit without immediate payment
• Marketing + tender participation support
Typical Interest Band
• NSIC’s applicable lending rate
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Who is it for?
• Manufacturing MSMEs needing raw material credit
• Export-oriented units
Ticket Size
• Depends on raw material requirement (can go high)
Subsidy / Benefit
• Cheaper raw material procurement
• Credit without immediate payment
• Marketing + tender participation support
Typical Interest Band
• NSIC’s applicable lending rate
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How WIFI Foundation Helps
• NSIC registration + documentation
• Raw material tie-ups
• Tender documentation + compliance
KVIC / Rural Schemes (REGP / SFURTI / Coir Board)
KVIC / Rural Schemes (REGP / SFURTI / Coir Board)
NSIC Schemes (Raw Material Assistance / Marketing Support)
Who is it for?
• Rural entrepreneurs, artisans, traditional sector units
• Clusters, coir units, village industries
Ticket Size
• Varies per scheme (projects often >₹1 crore at cluster level)
Subsidy / Grant
• High capital subsidy for rural clusters
• Infra + machinery + common facility support
Typical Interest Band
• Bank loan interest on
Who is it for?
• Rural entrepreneurs, artisans, traditional sector units
• Clusters, coir units, village industries
Ticket Size
• Varies per scheme (projects often >₹1 crore at cluster level)
Subsidy / Grant
• High capital subsidy for rural clusters
• Infra + machinery + common facility support
Typical Interest Band
• Bank loan interest on remainder of project cost
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How WIFI Foundation Helps
• Rural cluster formation + DPR
• KVIC coordination
• Machinery & layout planning
MSME Innovation Scheme / Design Scheme
KVIC / Rural Schemes (REGP / SFURTI / Coir Board)
ZED Certification (Zero Defect, Zero Effect)
Who is it for?
• Startups & MSMEs needing product design / prototyping
Ticket Size
• Design funding support up to ₹25 lakh (varies)
Subsidy / Grant
• Govt covers major share of design/expert cost
Typical Interest Band
• Mostly grant, no loan required
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How WIFI Foundation Helps
• Design partner onboarding
• Prototype development roadmaps
• Funding application documentation
ZED Certification (Zero Defect, Zero Effect)
KVIC / Rural Schemes (REGP / SFURTI / Coir Board)
ZED Certification (Zero Defect, Zero Effect)
Who is it for?
• Manufacturing MSMEs improving quality & environment
Ticket Size
• Depends on certification level
Subsidy / Grant
• Up to 80% subsidy for certification for women/sc-ST/MSMEs
Typical Interest Band
• No interest (benefit is subsidy reimbursement)
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How WIFI Foundation Helps
• ZED handholding
• Documentation + plant audit support
Incubation Centers Finance Schemes
Atal Innovation Mission (AIM) – Atal Incubation / Grants
TIDE 2.0 (Technology Incubation & Development of Entrepreneurs)
TIDE 2.0 (Technology Incubation & Development of Entrepreneurs)
Who is it for?
• Early-stage startups in innovation, deep-tech, social impact
Ticket Size
• Grants through AIM incubators, often ₹10–50 lakh
Subsidy / Grant
• Grant-based,
• Non-repayable
Typical Interest Band
• Zero interest
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How WIFI Foundation Helps
• Connecting with AIM incubators
• Pitch deck
• PoC support
TIDE 2.0 (Technology Incubation & Development of Entrepreneurs)
TIDE 2.0 (Technology Incubation & Development of Entrepreneurs)
TIDE 2.0 (Technology Incubation & Development of Entrepreneurs)
Who is it for?
• Tech startups (AI, IoT, Blockchain, AR/VR, Robotics, Cybersecurity, Healthcare Tech)
• Early-stage innovators needing prototyping support
• Startups working with Govt-recognised incubators
Ticket Size
• Idea Stage Grant: ₹4–7 lakh
• Product Stage Grant: ₹7–12 lakh
Subsidy / Grant
• 100% non-repayable grant via MeitY-approv
Who is it for?
• Tech startups (AI, IoT, Blockchain, AR/VR, Robotics, Cybersecurity, Healthcare Tech)
• Early-stage innovators needing prototyping support
• Startups working with Govt-recognised incubators
Ticket Size
• Idea Stage Grant: ₹4–7 lakh
• Product Stage Grant: ₹7–12 lakh
Subsidy / Grant
• 100% non-repayable grant via MeitY-approved incubators
Typical Interest Band
• Grant = Zero interest
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How WIFI Foundation Helps
• Startup–Incubator matching
• Grant proposal creation + compliance
• Technical mentoring, prototype roadmap
• Demo-day pitch preparation & investor connects
NIDHI-PRAYAS (DST Early Prototype Funding)
TIDE 2.0 (Technology Incubation & Development of Entrepreneurs)
NIDHI-PRAYAS (DST Early Prototype Funding)
Who is it for?
• Early-stage hardware & technology innovators
• Students, researchers, first-time founders
• Startups needing prototype development support
Ticket Size
• Prototype Grant: up to ₹10 lakh
Subsidy / Grant
• Full grant-based support for building MVP/prototype
• No repayment, no equity dilution
Typical Interest Band
• 0% interest,
Who is it for?
• Early-stage hardware & technology innovators
• Students, researchers, first-time founders
• Startups needing prototype development support
Ticket Size
• Prototype Grant: up to ₹10 lakh
Subsidy / Grant
• Full grant-based support for building MVP/prototype
• No repayment, no equity dilution
Typical Interest Band
• 0% interest, pure grant
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How WIFI Foundation Helps
• Eligibility guidance + PRAYAS application drafting
• Lab access & technical support through partner institutions
• Prototype planning & milestone tracking
• Investor prep after MVP completion
