All Government Schemes

💰Maximum Loan Limit: Up to ₹30 lakhs (for studies in India) and upto ₹40 lakhs (for studies abroad) or 90% of course fee, whichever is less. 1. Rate of Interest: | - For studies in India, upto ₹30 lakhs or 90% of course fee, whichever is less. The rate of interest for male candidates is 6% whereas for female candidates it is 5.5%. The repayment period must be within 10 years for loan upto Rs.10 lakh. | - For studies abroad, upto ₹40 lakhs, or 90% of course fee, whichever is less. The rate of interest for male candidates is 7% whereas for female candidates it is 6.5%. The repayment period must be within 12 years for loan upto ₹10 lakhs. | The Moratorium Period is 6 months after course completion or getting employment, whichever is earlier in both the cases.

Education Loan Scheme

A scheme named Education Loan Scheme by National Scheduled Castes Finance and Development Corporation (NSFDC) under the M/o Social Justice and Empowerment provides loans to students from Scheduled Castes who are pursuing full-time professional or technical courses in recognized institutions.

🎓 BankingCentral

Education Loan Scheme (NSFDC)

The scheme implemented by the National Scheduled Castes Finance & Development Corporation, Ministry of Social Justice & Empowerment, Govt. of India. Under this Scheme, loan is provided for pursuing full-time Professional/Technical courses in recognized institutions as one time assistance.

💰Maximum Loan Limit: | - Up to ₹30,00,000/- (for studies in India) and upto ₹40,00,000/- (for studies abroad) or 90% of course fee, whichever is less. | Rate of Interest: | - For studies in India: NSFDC shall charge interest @ 2% per annum from the SCAs, which in turn, shall charge 6% per annum from the beneficiaries. In case of women beneficiaries, an interest rebate of 0.5% is provided. - For studies abroad: NSFDC shall charge interest @ 3% per annum from the SCAs, which in turn, shall charge 7% per annum from the beneficiaries. In case of women beneficiaries, an interest rebate of 0.5% is provided. | Repayment Period: | The maximum repayment period under the Educational Loan Scheme is as under:- | - For Loan up to ₹10,00,000/-: Within 10 years - For Loan above ₹10,00,000/-: Within 12 years

📋 BankingCentral

Education Loan Scheme of NMDFC

Loan of upto Rs. 20 lacs for domestic courses & Rs. 30 lacs for courses abroad under Credit Line-1 and Credit line -2 is extended to beneficiaries belong to minority communities at 3% p.a. & 8% p.a respectively.

💰Concessional Credit to the beneficiaries among minority communities.

💰Financial Assistance: | - For Brownfield EMCs: | - Financial assistance up to 75% of the project cost. | - Maximum limit of ₹50,00,00,000/-. | - Government grant in: | - Processing area: up to 50% of the project cost | - Non-processing area: up to 20% of project cost | Infrastructure / CFC Support: | - Upgradation of existing infrastructure, such as roads, power, water supply, and drainage. | - Establishment of Common Facility Centres (CFCs), (Testing laboratories, Tool rooms, Design centres, Training centres, R&D facilities) | - Support for logistics, warehousing, and shared services | Administrative Support: | - Administrative expenses up to 3% of assistance (for SPV) | Mode of Disbursement: | - Grant-in-aid is released in instalments through an escrow account. | - Initial 20% released as advance; subsequent releases based on utilisation.

Electronic Manufacturing Clusters (EMC) Scheme: Common Facility Centres/ Brownfield Electronics Manufacturing Clusters

The scheme aims to support the upgradation of Brownfield EMCs through Common Facility Centres (CFCs). It provides financial assistance for infrastructure improvement and shared facilities for existing electronics manufacturing units.

💰Financial Assistance: | - For Greenfield EMCs: | - Financial assistance up to 50% of the project cost. | - Ceiling of ₹50,00,00,000/- for every 100 acres (pro-rata for larger areas). | - Government grant in: | - Processing area: up to 50% of the project cost. | - Non-processing area: up to 20% of project cost. | Infrastructure Support: | - Basic infrastructure (boundary wall, internal roads, drainage, lighting). | - Essential services (water treatment, electricity, waste management, warehousing). | - Support services (R&D centres, training facilities, IT infrastructure). | Administrative Support: | - Administrative expenses up to 3% of assistance (only for SPV). | Mode of Disbursement: | - Grant-in-aid is released in installments through escrow account. | - Initial 20% released as advance; subsequent installments based on utilisation and contribution.

Electronic Manufacturing Clusters (EMC) Scheme: Greenfield Electronic Manufacturing Clusters

The aims to promote electronics manufacturing by providing financial assistance for cluster-based infrastructure. Through this scheme, infrastructure support is provided to electronics manufacturing units in identified clusters.

💼 ScienceCentral

Electronics Component Manufacturing Scheme

The scheme aims to provide financial incentives for manufacturing electronic components in Bharat. Through this scheme, turnover and capital expenditure-linked incentives are provided to companies and Limited Liability Partnerships.

🎯 Social welfare & EmpowermentCentral

Emeritus Fellowship

A fellowship scheme by University Grants Commission to provide an opportunity to superannuated teachers to pursue active research in their respective field of specialization in Indian Universities/Colleges/ Institutions.

Employees' Pension Scheme

The scheme ensures retirement security for employees covered under the EPF Act, offering monthly pensions, family pensions, and withdrawal benefits. It targets workers in organised sectors, providing financial support post-retirement, during disability, or to dependents after the member’s death.

💰Superannuation Pension: Payable to members who retire at 58 years with at least 10 years of eligible service. Calculated as (Pensionable Salary × Pensionable Service) / 70.- Early Pension: Reduced pension for members retiring between 50-58 years, with a 4% reduction per year below 58. Payable if the member has rendered eligible service of 10 years or more.- Monthly Member's Pension: Calculated as (Pensionable Salary × Pensionable Service) / 70.- Minimum Pension: ₹1,000 per month, subject to deductions for commutation or early pension.- Widow Pension: 50% of the member's pension or ₹450/month, whichever is higher.- Children Pension: 25% of widow pension per child (max 2 children).- Orphan Pension: 75% of the widow pension if no surviving spouse (max 2 orphans).- Permanent Total Disablement Pension: Minimum ₹250/- per month if the member is permanently disabled during service.- Withdrawal Benefit: For members who exit before completing 10 years of service, calculated as per Table D. | Disbursement Conditions | - Pension starts from the date following the member's retirement, disablement, or death. | - Early pension is reduced by 4% for each year the age falls short of 58 years. | - Deferred pension increases by 4% for each year beyond 58 years, up to 60 years. | - Family pension ceases on widow's remarriage or death. | Mode of Disbursement: Through Post Office, Nationalised Banks, or electronic transfer.

💰Assistance under the ESDP Scheme: The programme includes the following modules- | - Entrepreneurship Awareness Programme (EAP): One Day Entrepreneurship Awareness Programme is an activity to identify and motivate traditional/non-traditional entrepreneurs, who have the potential to set up MSEs with the objective of leading them towards entrepreneurship/self-employment. It consists of formal inaugural and technical sessions and one-to-one discussions with interested participants for counselling and mentoring. At least one EAP should be organized in each district. The intake capacity for the programme will be 50 to 100 persons. | - Entrepreneurship-cum-Skill Development Programme (E-SDP) | - Existing E-SDP: This six-week activity is aimed at conducting special entrepreneurship development programmes for new livelihood enterprise creation and rural enterprise development. This is a product-cum-process oriented activity-based programme. Comprehensive training programmes will be organized to upgrade the skills of prospective entrepreneurs coupled with specific skills in hands-on practice or demonstration relating to activities. The programme is suitably tailored to the needs of trade or specific activity and the target group of trainees covered under the specific training programme. - Advanced E-SDP: The Minimum One-Week Advanced E-SDP Programme will have to be conducted with the intake capacity for the programme will be about 20 participants. The advanced ESOP programmes will be conducted through IIMs/IITs/ICAR/CSIR/BARC/IISC/NIT/Agricultural University of Central and State government etc. of repute will be roped in to provide ESDP training. | - Management Development Programme (MDP) | - Existing MDP: This one-week activity is aimed at capacity building of MSMEs through inputs on management practice systems to improve their decision-making capabilities resulting in higher productivity and profitability of existing and potential entrepreneurs and developing new enterprises. Inputs on a variety of topics of managerial functions will be provided to the participants by experts, which aim at the dissemination of knowledge of scientific/modern management techniques/practices. The intake capacity for the programme will be 25-30 participants. The age of the participants will be 18 years and above. - Advanced MOP: The Minimum One-week Advanced MOP Programme will have an intake capacity for the programme will be about 25 participants. The Advance MDP Training Programmes will be conducted through State Administrative Training Institutes (ATIs) and/or other reputed institutions in this domain of Central or State Governments/NITs/Regional Engineering Colleges/Agricultural colleges/Autonomous bodies of Central/State Governments to provide MDP training to MSMEs promoters/executives. In this programme Central/State Governments (including the Ministry of MSME)/Bank officers and other stakeholders can also participate to enhance their knowledge with a minimum of 75% MSME participants. | Note 01: The activities/programmes will be conducted through different field offices of the office of DC (MSME), MSME-DIs, Technology Centres and State Government Agencies, as approved by the Empowered committee headed by AS&DC( MSME) from time to time. | Note 02: Information on flagship programmes/schemes such as MUDRA, Start-up India and Stand-up India, ASPIRE, PMEGP and SC/ST Hub shall be provided to the participants. | Note 03: While providing in-puts on financing, a couple of sessions on alternate sources of funding like Angel Funding, Venture Capital, Crowd Funding etc. may be included in the programme syllabus. | Note 04: Some State Governments have introduced schemes for new entrepreneurs. Adequate care should be taken to provide information on these schemes as well. | Note 05: Special programmes should be organized in Aspirational, Backward Districts and the North Eastern Region (NER) based on the local strength and potential.

Entrepreneurship and Skill Development Programme

The O/o DC-MSME under "Development of MSMEs" vertical has launched the "Entrepreneurship and Skill Development Programme (ESDP)". The Programme is being organized regularly to nurture the talent of youth by enlightening them on various aspects of industrial/business activity required for setting up

🌾 AgricultureCentral

Establishment of Entrepreneur for Breed Development in Small Ruminant Sector (Sheep and Goat Farming)

The scheme for the "Establishment of Entrepreneurs for Breed Development in the Small Ruminant Sector (Sheep and Goat Farming)" falls under the Sub-mission on Breed Development of Livestock and Poultry. The Entrepreneurs / Eligible Entities can establish sheep and goat breeding unit.

💰CAPITAL SUBSIDY STRUCTURE | - Maximum capital subsidy of Rs. 50 lakh offered, split into two equal instalments. | - Subsidy is specifically for capital expenditure, not operational costs. | - Instalments are released through SIDBI based on project milestones. | DISBURSEMENT PROCESS FOR BANK-FINANCED PROJECTS | - First instalment released after bank provides initial loan and SIA confirmation. | - Second instalment provided after project completion and SIA certification. | - SIDBI manages fund transfer through scheduled banks/financial institutions. | SELF-FINANCING PROJECT REQUIREMENTS | - Project requires bank appraisal where entrepreneur holds account. | - First 50% subsidy released after verified 25% infrastructure expenditure. | - Remaining subsidy provided post-project completion and SIA verification. | BANK GUARANTEE SPECIFICATIONS | - Three-year bank guarantee required for self-financing projects. | - Guarantee must cover project cost beyond subsidy amount. | - Original document held by State Implementing Agency with copies for online portal. | EXCLUSIONS FROM SUBSIDY | - Subsidy not applicable for working capital needs. | - Personal vehicles and land purchase not covered. | - Rental and lease costs ineligible for subsidy support.

🌾 AgricultureCentral

Establishment of Regional Semen Production Laboratory and Semen Bank for sheep and goat

Under the Establishment of Regional Semen Production Laboratory and Semen Bank for Sheep and Goat Scheme, the Central Government will provide assistance for the establishment of frozen semen production laboratories for goats and liquid semen production laboratories for sheep at the regional level.

💰The funding pattern will be 60:40 for all the states except NER & Himalayan States where it will be 90:10 and 100% for UTs. | - One-time grants-in-aid up to Rs. 4,00,00,000 as Central Share will be provided to the concerned state eligible for the establishment of Regional Semen Station for construction of semen laboratory, maintaining of breeding bucks and rams, sourcing of locally available high genetic merit animals and processing of semen. | - Rs. 30,00,000 will also be provided as a one-time expenditure towards procurement of consumables, medicines, chemicals etc. required for first-time processing of semen. | - The regional semen bank shall have to generate its own resources for running of the semen station. No recurring expenditure will be provided for running expenses of the semen station.

💰EPCG Scheme allows import of capital goods for pre-production, production and post-production at Zero customs duty & IGST. | The specific export obligation may be reduced for the EPCG authorisation holder, in the following cases: | - In cases, where they have completed 75% or more of specific export obligation and 100% of average export obligation till date (if any), in half or less than half of the original export obligation period specified. Then exemption will provided, remaining export obligation shall be condoned and the authorisation be redeemed by the RA concerned. | - For exporters of Green Technology Products.Exmption will be provide Specific EO shall be 75% of the EO. | - For units located in Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, Tripura and Jammu and Kashmir.Exemption will be given Specific EO shall be 25% of the EO.

Export Promotion Capital Goods Scheme

The objective of the EPCG Scheme is to facilitate import of capital goods for producing quality goods and services and enhance India’s manufacturing competitiveness. EPCG scheme allows import of capital goods for pre-production, production and post-production at zero customs duty.

💰Reimbursement of 80% or ₹ 20,000/- (excluding GST and other applicable taxes), whichever is less, in a financial year to SC/ST MSEs on annual membership subscription fee / one time subscription charges / entry fee charged by various Export Promotion Councils (EPC).

Export Promotion Council Membership Reimbursement Scheme for Scheduled Caste/Scheduled Tribe

Export Promotion Council Membership Reimbursement Scheme provides reimbursement to an SC/ST Micro & small enterprises(MSEs), on annual membership subscription fee / one-time subscription charges/entry fee charged by various Export Promotion Councils (EPC).

🏠 BankingCentral

Financial Assistance as Interest Subsidy on Home Loan

The scheme aims to provide 50% reimbursement of interest on home loans up to ₹1,00,000 for eligible war widows, war bereaved families, war disabled personnel, and attributable peacetime casualties.

💰Interest Subsidy Amount: 50% of the interest charged on the home loan.- Loan Limit for Subsidy: Up to ₹1,00,000 (even if the loan amount is higher).- Duration: Maximum of 5 years or until loan repayment is completed, whichever is earlier.- Applicable Loan Sources: Banks, Government/Public Sector undertakings, Life Insurance Corporation (LIC), General Insurance Corporation (GIC), and Housing and Urban Development Corporation (HUDCO).

💰Maximum assistance under the scheme component, including applicable duties & taxes and also Operation & Maintenance (O&M) costing for five years, will be as under: | (i) Audio: ₹100 Lakh; (ii) Audio+Video: ₹150 Lakh | - All grants under the scheme will be of a non-recurring nature. Recurring expenditures, if any, will be the responsibility of the grantee organization. | - Assistance under this component to an organization will be restricted to a maximum of 90% (including taxes and duties) of the approved estimated project cost along with five years of O&M costs, within the prescribed monetary ceiling. The balance of the approved estimated project cost is to be incurred by the organization as its ‘matching share’. | Note: While indicating the cost estimate of the equipment, the applicant organization will have to separately specify the duties & taxes and O&M costs for five years.

Financial Assistance For Allied Cultural Activities

The scheme “Financial Assistance for Allied Cultural Activities” was launched by the Ministry of Culture, Government of India.

💰Maximum assistance under the scheme will be as under: | CITIESTYPE OF PROJECTLIMIT OF ASSISTANCEBangalore, Chennai, Delhi, Hyderabad, Kolkata, MumbaiProjects involving new construction or the purchase of built-up space ₹50 lakhsBangalore, Chennai, Delhi, Hyderabad, Kolkata, MumbaiAll other projects ₹25 lakhsAll non-Metro cities, towns, or placesAll projects ₹25 lakhs2. All grants under the Scheme will be of a non-recurring nature. Recurring expenditures, if any, will be the responsibility of the grantee organization. | - Assistance under the scheme to an organization will be restricted to a maximum of 60% of the approved estimated project cost, subject to the ceilings given above. In the case of projects in the North Eastern Region (NER) [comprises States of Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, and Tripura] the maximum amount of Central financial assistance would be 90% of the total approved project cost subject to the maximum financial ceilings as mentioned above. The balance of the approved estimated project cost is to be incurred by the organization as its ‘matching share’. | Illustrations:- For projects involving new construction/ purchase of built-up space in metro cities. | Case 1: If the approved cost of the project is ₹100.00 lakhs (in metro cities), the maximum grant which may be sanctioned would be ₹50.00 lakhs, the matching share of the grantee organization being ₹50.00 lakhs. | Case 2: If the approved cost of the project is ₹70.00 lakhs (in metro cities), the maximum grant which may be sanctioned would be ₹42.00 lakhs, the matching share of the grantee organization being ₹28.00 lakhs. In the case of NER projects, the maximum grant which may be sanctioned would be ₹25.00 lakhs, the matching share of the grantee organization being ₹45.00 lakhs. | For projects involving new construction/ purchase of built-up space in non-metro cities and all projects under: | Case 3: If the approved cost of the project is ₹60.00 lakhs (in non-metro cities), the maximum grant which may be sanctioned would be ₹25.00 lakhs, the matching share of the grantee organization being ₹35.00 lakhs. | Case 4: If the approved cost of the project is ₹40.00 lakhs (in non-metro cities), the maximum grant which may be sanctioned would be ₹24.00 lakhs, the matching share of the grantee organization being ₹16.00 lakhs. However, in the case of NER, the maximum grant which may be sanctioned would be ₹25.00 lakhs, the matching share of the grantee organization being ₹15.00 lakhs. | - Cost of the land (actual consideration paid by the recipient organization and not market value) and development charges borne by the organization shall be accounted as matching shares. | - Expenditure already incurred by the organization on construction/ purchase/ development of land & building and purchase of fixtures and fittings within a period of one year from the date of application, shall also be accounted as matching share. The organization will submit accounts of expenditure incurred in this regard duly certified by a Chartered Accountant. | - In case the cost of the project is enhanced subsequently, the liability of the Government of India will be restricted to the original sanctioned amount, and all the extra expenditure will be met by the grantee organization from its own resources. | - Once the project proposal has been considered and approved for a certain amount, no subsequent requests for review and enhancement of project cost will usually be entertained. | - An Undertaking is required to be submitted at the time of submission of the application by the applicant organization to the effect that the project will be completed within a period of three years from the date of release of 1st Installment.

Financial Assistance For Cultural Activities In Performing Arts For Building Grants Including Studio Theatres

The scheme “Financial Assistance for Cultural Activities in Performing Arts for Building Grants Including Studio Theatres” was launched by the Ministry of Culture, Government of India.

💰Financial assistance is given for all or any of the items listed below up to a maximum of ₹30.00 lakhs per year for any single organization: | Sl. No.ItemsMaximum amount per annum1Maintenance (Salary of staff, Off. Exp/Misc. exp)₹5,00,000/-2Research Project on the Promotion of Buddhist/Tibetan Art and Culture₹2,00,000/-3Purchase of books, documentation, and cataloging relating to Buddhism₹5,00,000/-4Award of scholarships to monk/nunnery students₹5,00,000/-5Holding special courses on the promotion of Buddhist/Tibetan Art and Culture₹2,00,000/-6Audio- Visual Recording/ Documentation/ Archiving of the traditional materials for the preservation and dissemination of Buddhist Art &amp;amp; Culture₹5,00,000/-7IT upgradation and IT-enabled Teaching/ Training aids for monastic/nunnery schools₹5,00,000/-8Transport facilities for monastic/nunnery schools and monasteries located in remote areas₹5,00,000/-9Salary of teachers where the organization is running a school imparting monastic/ nunnery education₹5,00,000/-10Repairs, restoration, and renovation of ancient monasteries and Heritage Buildings associated with Buddhism₹30,00,000/-11Construction/Repairs/Extension with toilet and drinking water for Class Rooms, School Buildings, Hostels, and Training Centres which are focused on Buddhist/ Tibetan Art and Culture as well as skill development of traditional crafts for monastic/nunnery school₹30,00,000/-Note 01: In case of the organizations of all-India character and running a school for imparting monastic education, financial assistance may be given beyond the ceiling, on the recommendation of the Expert Advisory Committee, and approved by the Minister (Culture) in consultation with the FA, Ministry of Culture. | Note 02: The maximum grant admissible to an organization would be 75% of the total expenditure to be incurred on any item subject to the maximum ceiling fixed. The remaining 25% expenditure or more should be met by the State Govt./U.T. Administration failing which the grantee organization could contribute the amount from their resources. | Note 03: In the case of North-Eastern States and Sikkim, funding will be shared between the Government of India and the State Government in the ratio of 90:10 respectively failing which the grantee organization could contribute from their own resources.

Financial Assistance For Development Of Buddhist/Tibetan Arts And Culture

The scheme “Financial Assistance for Development of Buddhist/Tibetan Arts and Culture” was launched by the Ministry of Culture, Government of India to provide financial assistance to voluntary Buddhist/Tibetan organizations including Monasteries.

🏥 Health & WellnessCentral

Financial Assistance For Procuring Mobility Equipment To Disabled Ex-Servicemen (All Ranks)

The scheme provides financial assistance of a maximum of ₹ 1,00,000 from the Armed Forces Flag Day Fund (AFFDF) for the procurement of modified scooters, crutches and wheelchairs for Ex-Servicemen who are disabled after their retirement from service with a disability of 50% or more.

💰A financial assistance of a maximum of ₹ 1,00,000.1. The beneficiary can re-apply for new mobility equipment after the lapse of 10 years from the date of purchase of the previous equipment.

💰Under the scheme, financial assistance of ₹15,000/- per month will be given to each Guru/Director. | - Financial assistance to each Shisya/Artist will be given as under: | Sl. No.Categories of Shisya/ArtistAge GroupAmount of Assistance/ Honorarium Per Month1Adult Shisya/Artist(18 years age &amp;amp; above)₹10,000/- (Rupees Ten thousand only)2A category child Shisya/Artist(12 years age &amp;amp; above but less than18 years age)₹7,500/- (Rupees seven thousand five hundred only)3B category child Shisya/Artist(6 years age &amp;amp; above but less than 12 years age)₹3,500/- (Rupees three thousand and five hundred only)4C category child Shisya/Artist(3 years age &amp;amp; above but less than 6 years age)₹2,000/- (Rupees two thousand only)Note 01: The expenditure under this Scheme should be limited to the allocated outlay under the Scheme. | Note 02: Payment to the applicant Organisations shall be invariably made through Electronic mode/RTGS, as per practice in vogue.

Financial Assistance For Promotion Of Guru-Shishya Parampara (Repertory Grant)

The scheme “Financial Assistance for Promotion of Guru-Shishya Parampara (Repertory Grant)” was launched by the Ministry of Culture, Government of India.

💰An Organization would normally be given financial assistance amounting to ₹1.00 crore. | - The financial assistance by the Ministry would be limited to ₹2.00 crores only. However, the amount may be enhanced up to ₹5.00 crores in exceptional/deserving cases, with the approval of HCM. | - Assistance under the scheme to an Organization will be restricted to a maximum of 67% of the approved cost, subject to the ceilings given above. The balance 33% of the approved cost is to be incurred by the Organization as its ‘matching share’ (other than the contribution by State/UT Government/Union Ministries/PSUs/Universities etc.)

Financial Assistance To Cultural Organizations With National Presence

The scheme “Financial Assistance to Cultural Organizations with National Presence” was launched by the Ministry of Culture, Government of India.

🎯 Skills & EmploymentCentral

Financial Assistance Under The National Fund For Persons With Disabilities

A scheme by DoEPwDs for providing financial assistance to the Persons with Disabilities (PwDs) in support of various livelihood activities. The objective of these guidelines is to provide a framework to support financial assistance under the Fund for relevant core areas for empowerment of PwDs.

💰S. No.Family income (in ₹) per annumFee waiver (percentage)RemarksCategory 1Less than or equal to ₹ 4,00,000/Up to 100%Actual fee or up to a maximum of ₹ 10,000/-Category 2Between ₹ 4,00,000/- and ₹ 8,00,000/-Up to 50%Actual fee or up to a maximum of ₹ 8,000/-

Financial Support Scheme

With a view to extend the benefits of equity and access to quality education to the economically weak students, the University has introduced a financial support scheme for such students which will include fee waiver of all components of fee paid by students (except examination fee & hostel fee).