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🌾 AgricultureState/ UT

Intensive Fisheries Development Programme - Subsidy on Solar System for fish/shrimp culture

Under this scheme, subsidies on solar systems for fish/shrimp culture are provided to eligible fish and shrimp farmers. The subsidy is given at 60% of the total project cost, or ₹30,000 per kW, whichever is lower. The maximum subsidy is limited to 30 kW for shrimp farmers and 10 kW for fish farmers.

💰A subsidy of 60% on the total project cost amounting to ₹50,000 per kilowatt (KW) or a subsidy amount of ₹30,000 per KW, whichever is less, is provided. | - The maximum limit for this subsidy is 30 KW for shrimp farmers. | - The maximum limit for this subsidy is 10 KW for fish farmers.

🤝 Social welfare & EmpowermentState/ UT

Inter-Caste / Inter-Religious Marriage Award

Under this scheme, financial assistance of ₹50,000/- is provided to married couples where, in the case of an inter-caste marriage, one spouse belongs to a Scheduled Caste, and in the case of an inter-religious marriage, both spouses belong to different religions.

💰The married couple is jointly provided with a financial amount of ₹50,000/-.

🤝 Social welfare & EmpowermentState/ UT

Inter-Caste Marriage Award

The objective of this scheme is to eliminate the practice of untouchability by encouraging marriages between the Scheduled Castes and other castes, under which an incentive of ₹50,000/- or an amount as decided by the Government from time to time is awarded.

💰Under this scheme, a person from another caste who marries a person from a Scheduled Caste receives ₹50,000/- or an amount decided by the Government from time to time.

🤝 Social welfare & EmpowermentState

Inter-state Border Areas Development Programme

The aims and objectives of the Inter-State Border Areas Development Programme ISBADP are to provide facilities for the socioeconomic development of the people living along the Inter-State boundary with Assam.

💰Infrastructure Development: The ISBADP may focus on improving infrastructure such as roads, bridges, railways, and connectivity in the border areas. This can enhance accessibility, trade, and transportation in these regions. | - Socio-economic Development: The scheme may aim to uplift the socio-economic conditions of the border areas by implementing various development projects. It can include initiatives related to education, healthcare, skill development, employment generation, and poverty alleviation. | - Border Security Enhancement: Development programs in border areas can contribute to strengthening border security. By improving infrastructure, communication networks, and surveillance systems, the scheme can enhance the overall security apparatus in these regions. | - Tourism Promotion: The ISBADP might support the development of tourism infrastructure and attractions in the border areas to promote tourism. This can lead to increased tourist inflow, job creation, and economic growth in these regions. | - Cultural Exchange and Integration: Development programs can foster cultural exchange and integration between border communities. The scheme may include initiatives to preserve and promote local culture, heritage, and traditional practices, fostering harmony and mutual understanding. | - Environmental Conservation: The ISBADP may incorporate initiatives to protect and conserve the natural resources and environment of the border areas. This can include measures for forest conservation, wildlife protection, and sustainable development practices.

🤝 BankingState/ UT

Interest Free Loan (CBOCWWB)

Under this scheme, interest free loan shall be granted to the registered construction workers of the Board for the purchase of items like Fridge, Television/ LCD, Motor Cycle/Scooter, Cooler, Fan & Bicycle.

💰Interest Free Loan for the purchase of the following items: | Sr. No.Name of itemsAmount of loanRe-payment period1Purchase of motorcycle /scooter₹25000/-20 equal installments2Purchase of Fridge₹15000/-15 equal installments3Purchase of television/ LCD₹15000/-15 equal installments4Purchase of cooler₹7500/-10 equal installments5Purchase of Fan₹2500/-10 equal installments6Purchase of bicycle₹4000/-10 equal installments

🎓 BankingState/ UT

Interest Free Loan Scheme To Teachers For The Purchase Of Laptops

The scheme aims to enhance the quality of teaching in schools in the State of Goa by equipping teachers with necessary Information Technology knowledge and skills. It offers an Interest Free Loan up to a maximum of ₹1,00,000/- for purchasing a Laptop to regular/permanent, full-time teachers.

💰An Interest Free Loan up to a maximum amount of ₹1,00,000/- is granted for the purchase of a Laptop. | - The loan is disbursed in the form of a Crossed Cheque. | - The Cheque is drawn in favor of the dealer. | - The Cheque is issued through Messers Goa Education Development Corporation (GEDC), Government of Goa. | Conditions | - _The purchase of the Laptop must be made from any registered or authorized dealer of the branded manufacturer._ | - _The Cheque amount sanctioned shall not exceed the maximum amount of ₹1,00,000/-._

🎓 Education & LearningState/ UT

Interest Help Scheme For Graduate Doctor-Lawyer-Technical Graduate

The "Interest Help Scheme for Graduate Doctor-Lawyer-Technical Graduate" aims to provide financial assistance in the form of interest subsidy on loans to the non-reserved category professionals in Gujarat.

💰Quantum of Subsidy: 5% interest subsidy on loans up to ₹10,00,000/- taken from a bank.

🎓 Education & LearningCentral

Interest Subsidy Eligibility Certificate (isec) Scheme

The Interest Subsidy Eligibility Certificate (ISEC) Scheme is an essential mechanism of funding the Khadi programme undertaken by Khadi institutions.

💰Interest Subsidy: Receive a subsidy on the interest charged on your education loan, lightening your financial burden. | - Affordable Education: Pursue professional or technical courses without worrying about high-interest rates, making education more accessible. | - Flexible Repayment: Enjoy flexible repayment options, allowing you to focus on your studies and career growth. | - Career Opportunities: With reduced financial stress, you can concentrate on building a successful future and exploring various career avenues. | - Empowerment: ISEC empowers deserving students to pursue higher education and realize their potential regardless of their economic background. | - Enhance Skills: Gain knowledge and skills in your chosen field, opening doors to better job prospects and higher earning potential. | - Supportive Network: Benefit from a supportive community of ISEC recipients, fostering connections and opportunities for collaboration.

🌾 AgricultureState

Interest Subsidy on Loans for Agriculture and Allied Activities

“Interest Subsidy on Loans for Agriculture and Allied Activities” is a scheme by the Dept. of Fisheries, Govt. of Goa. The bonafide agriculturist, individual of the animal husbandry/fisheries sector from Goa are provided a loan of upto ₹ 5,00,000 for the purpose of Agriculture and Allied Activities.

💰Loan of upto ₹ 5,00,000. | - Interest Subsidy on Short-Term Loans: 4% to farmers who promptly repay their loans. | - Interest Subsidy on Long-Term Loans: Equal to the difference between a 4% interest rate and the normal rate charged by eligible Banks, in line with their policies. The subsidy is subject to a maximum limit of 8%.

💼 Business & EntrepreneurshipState

Interest Subsidy Reimbursement Scheme

Through the "Interest Subsidy Reimbursement Scheme”, the projects which show immense promise and potential will be eligible for a grant of 30% of the loan interest amount, for the purpose of repayment of the interest component of a loan availed.

💰Up to 3 projects that show immense promise and potential, as recommended by the Startup Promotion Cell, will be eligible for a grant of 30% of the loan interest amount, for the purpose of repayment of the interest component of a loan availed, up to ₹ 5,00,000 per annum, for an initial period of two years only. | - Other Startups shall be eligible for an interest repayment grant of 10% of the interest amount of a loan availed, up to ₹ 2,00,000 per year, for a period of two years. This benefit can be availed by 40 start-ups each year which the SPC shall select as per its guidelines. | - This amount will be in addition to any other interest subsidy or loan provided under Chief Minister Rojgar Yojana (CMRY). | NOTE: Under no circumstance shall the benefits under this scheme be considered an entitlement. The SPC shall reserve the sole right to accept or reject applications.

💼 Business & EntrepreneurshipState/ UT

Interest Subsidy Scheme for Scheduled Caste/Scheduled Tribe Entrepreneurs

The scheme aims to encourage SC/ST entrepreneurs to establish micro or small-scale service enterprises & to expand, diversify, or modernize their existing units. Under this scheme, a loan amount ranging from a min. of ₹20.00 lakhs to a max. of ₹1,000.00 lakhs is provided at an interest rate of 4%.

💰Loan Amount: | - Minimum loan amount under the scheme is ₹20.00 lakhs. | - Maximum loan amount under the scheme is ₹1,000.00 lakhs which includes term loan and one time working capital term loan based on the project proposal but working capital term loan is restricted to maximum of ₹50.00 lakhs. However, repetition of working capital term loan sanction is not allowed. | - The loan can be availed for establishing new units or expanding / diversifying / modernizing their existing units for more than one occasion, but the aggregate loan extended shall not be more than maximum limit under the scheme. | Rate of Interest: | - The effective rate of interest is 4% only. | Repayment Period: | - The repayment period is 8 years including moratorium period in case of loan upto ₹500.00 lakhs and upto 10 years in case of loan above ₹500.00 lakhs but below ₹1,000.00 lakhs.

💼 Skills & EmploymentState/ UT

Interest Subsidy Scheme for Smaller Business Units

Launched in 2018, the "Internet Subsidy Scheme" is one of the "Information Technology Policy Schemes" by the Department of Information Technology, Government of Goa. The objective and the scope of this scheme is to provide Internet Subsidy to the eligible Information Technology Units in Goa.

💰For Smaller Business Units, interest subsidy on working capital loan will be provided, subject to a maximum of ₹ 5,00,000 per annum, for a period of 3 years. | NOTE 1: The benefits under this scheme are subject to budgetary allocation. No Promissory Estoppel shall be applicable if benefits are discontinued in case the allocation is exceeded. | NOTE 2: This incentive is allowed to be claimed once every fiscal year, up to a maximum of 3 years.

🎓 Education & LearningState/ UT

Interest Subsidy Scheme on Education Loan

The scheme "Interest Subsidy Scheme on Education Loan" by the Education Department, Gujarat, aims to provide financial support to students by offering 100% interest subsidy on education loans.

💰Interest Subsidy Assistance: 100% interest subsidy on education loans up to ₹10,00,000/- for the moratorium period (course duration + 1 year).

💼 Business & EntrepreneurshipState/ UT

Interest Subsidy Scheme, 2008

"Interest Subsidy Scheme, 2008" boosted economic growth by providing interest subsidies to Micro and Small Enterprises. The scheme offered financial incentives to new enterprises, making their operations more viable and promoting industrial growth.

💰Incentives were given to eligible units to the extent of 1% of the total net turnover or 30% of the interest paid by the units, whichever was less, subject to a ceiling of ₹5,00,000/- per annum. | - The benefit under this Scheme was for a period of 5 years (20 quarters) from the quarter of applicability.

💼 Business & EntrepreneurshipState/ UT

Interest Subsidy Scheme, 2017

The scheme aims to incentivize units for making their enterprises financially viable. It provides interest subsidy on term loan and/or working capital loan (up to ₹25,00,000/- per year, or ₹27,50,000/- for women/Scheduled Caste/Scheduled Tribe applicants) to eligible industries.

💰For claims of interest paid on term loan, subsidy will be calculated to the extent of 30% of the interest paid, subject to the scheme ceiling. | - For claims of interest paid on working capital loan, subsidy will be calculated to the extent of 1½% of the total turnover or 30% of the interest paid by the units/enterprise, whichever is less. | - The subsidy payable shall not exceed the ceiling of ₹25,00,000/- per annum, calculated on pro-rata basis for part of the year as claimed. | - The subsidy payable shall not exceed the ceiling of ₹27,50,000/- per annum for all women and Scheduled Caste/Scheduled Tribe applicants, calculated on pro-rata basis for part of the year as claimed. | Disbursal Conditions/Criteria | - _The period of grant of subsidy shall not exceed seven years, that is 27 continuous quarters subsequent to the quarter in which the subsidy is first claimed._ | - _The benefits under this scheme shall be disbursed to eligible applicants beyond the validity of this scheme, provided, application for at least one claim is submitted to the Directorate of Industries, Trade and Commerce (DITC) during the validity of this scheme._ | - _In case the unit fails to file the yearly claim after the first claim within the stipulated time frame, the unit shall be eligible to file the delayed claim in the subsequent year within the time frame as specified in the Umbrella Scheme._ | - _The facility of filing delayed claims shall not be available for the last claim._ | - _The lapsed claim shall not be revived by any authority._ | - _In case the unit fails to include any portion of interest that cannot be claimed due to non-payment before filing of application, the unit shall be eligible to claim such interest subject to payment of the same in the subsequent year._ | - _In case of default in payment of term loan (i.e. not paid as per schedule of repayment) reimbursement of interest shall be reduced to the extent of default._ | - _Only the limit of original loan granted and not rescheduled loan shall be considered for interest reimbursement._

🌾 AgricultureState/ UT

Interest Subvention against long terms loan to the Co-operative sugar societies (Normal Area) (Tribal Area)

This scheme has been introduced by the Agriculture, Farmers Welfare and Cooperation Department, Gujarat. It aims to provide interest subvention on long-term loans taken by sugar cooperative societies for payment of sugarcane arrears for the year 2018-19.

💰Name of the Component Standard of Assistance Minimum Time Limit (in Years) for Reclaiming BenefitsInterest Subvention against long terms loan to the Co-operative sugar societies Interest actually paid on the bank loan amount taken by the Sugar Cooperative or 7% or whichever is less for a maximum period of 4 (four) years or interest concession on loan repayment (whichever is earlier).1 year of interest subvention to be paid by the Government of India from the date of withdrawal of this loan on the amount of bank loan taken by the State Sugar Co-operative Societies for affiliated purposes under the announced scheme for soft loan interest subvention on loans obtained for the payment of sugarcane arrears for the year 2018-19 for the respective sugarcane prices. Interest subvention paid by the State Government on interest actually payable or 7 percent or whichever is less for a maximum period of 4 (four) years or till the loan repayment (whichever is earlier)

💼 Business & EntrepreneurshipState/ UT

Interest Subvention Scheme

The scheme aims to provide institutional credit for capital investments at reasonable interest rates and is implemented through the Karnataka State Financial Corporation (KSFC) in the state.

💰Amount of Loan: | - The minimum loan size is ₹5.00 lakhs. | - The maximum loan size is ₹500.00 lakhs for Micro and Small Manufacturing Enterprises. | - ₹200.00 lakhs for manufacturing and allied services enterprises towards building, gross block of plant and machinery directly involved in production. The loan/s over and above these limits will carry contract rate of interest. | Rate of Interest: | - KSFC shall sanction loans with prevailing contract rate of interest and the promoters shall pay the interest accordingly. To avail the interest subvention under the scheme, the beneficiary / borrower shall be regular in repayment of installments of all the loans availed by the Enterprises from KSFC. The effective interest rate to be paid by beneficiary /borrower is the difference of contract rate and interest subvention of 5.5% p.a. reimbursed by Government of Karnataka. | Interest Subsidy [Subvention] Period: | - The unit is eligible for interest subsidy [subvention] for a period of 5 years from the date of first disbursement of the loan, even though if the repayment period extends beyond 5 years.

📋 BankingState

Interest Subvention Scheme For Housing Loan For Regular State Government Employee Under APUN GHAR

Apun Ghar is a new home loan scheme for Assam Government employees as per announcement made in the Budget Speech,2016-2017 under which home loans will be provided to the State Government employees at subsidized interest rates.

💰1) The State Government has decided to provide a subvention of interest @3.5 % and after applying this interest subvention, the employees would get housing loans upto ₹ 15.00 lakh@ 5.0% (for women) and @ 5.05 %(for men) | 2) On the basis of the SBI Proposal, the state government has decided to provide a loan repayment schedule to the State Government employees with pensionable service beyond the age of retirement up to 70 yrs of age. | 3) The SBI will take responsibility to deduct the housing loan beyond the age of retirement up to 70 years as such the pension accounts are with SBI. For the convenience and interest of employees, the deduction of EMIs will be adjusted in such a way to be on the higher side during the service period and it will be on the lower side after their retirement period. | 4) There will be no need for a mortgage of property for a loan amount up to ₹ 10.00 lakh. However, the SBI has referred this matter to their corporate center to increase the margin up to ₹ 15.00 lakhs. | 5) The SBI team will ensure that the employees get hassle-free service and that concerned departments get a single dedicated window at the bank level for all dealings related to the scheme. | 6) The house/flat purchased /constructed with the Bank’s finance would be insured comprehensively for risk of fire/riots/earthquake/lightning/floods. etc by the employees. | 7) Check-off facility will be given by the Drawing and Disbursing Officer of the concerned employees for recovery of interest and principal from the salary of the employee. | 8) The reduced rate of Interest on Housing loans with State government subvention will be applicable up to 240 EMI i.e up to 20 years of EMI deduction

🤝 Social welfare & EmpowermentState/ UT

Interim Relief to the Beneficiaries Affected by Disaster (GBOCWWB)

Through "Interim Relief to the Beneficiaries Affected by Disaster (GBOCWWB)" , the beneficiaries of the Board who are affected by disasters, catastrophes or natural calamities are extended immediate relief of up to ₹10,00,000/-. This shall include cash payment to beneficiaries of the affected area.

💰An immediate relief of up to ₹10,00,000/-. | _*The committee shall decide about the modalities regarding disbursement of such relief, quantum and procedure to be followed for such disbursement._

🎓 Education & LearningCentral

International Centre for Environment Audit and Sustainable Development (iCED)

The "International Centre for Environment Audit and Sustainable Development (iCED)" scheme provides a platform to young students pursuing courses in Ocean Science, Environmental Science, Environment Management, Environment Audit, etc. to help develop awareness about the work of iCED with special.

💰Token Remuneration: | Interns will receive a token remuneration of ₹10,000/- per month to cover conveyance and daily needs. | NOTE: If boarding and lodging are provided by iCED the remuneration will be reduced to ₹5000/- per month. | Certificate of Internship: | Certificate will be issued upon satisfactory completion of the internship, assignment submission, and evaluation by the competent authority at iCED.

💼 Business & EntrepreneurshipCentral

International Cooperation Scheme- Capacity Building of First Time MSE Exporters

The scheme “International Cooperation Scheme” was launched by the MSME, Govt. of India with the aim to capacity build MSMEs for entering export market by providing reimbursement of various costs incurred by first time MSE exporters on export shipments.

💰Scale of Assistance and Eligible Items of Expenditure: | Financial assistance towards costs incurred by first-time MSE Exporters on export shipments:- | Registration-cum-Membership Certificate (RCMC) charges/fee paid by the first-time exporter to relate EPCs 75% of the cost paid subject to a maximum of ₹20,000/- or actual, whichever is lower subject to quarterly reporting by EPCs as per prescribed format. Export Insurance Premium paid to Export Credit Guarantee Corporation Ltd. (ECGC) under the ECGC&amp;#39;s Small Exporter&amp;#39;s PolicyMaximum financial assistance in a financial year of ₹10,000/- or actual, whichever is lower subject to quarterly reporting by ECGC Ltd. as per prescribed formatFee paid on Testing &amp;amp; Quality Certification acquired by MSEs to Export Products (Note: Ministry of MSME shall share the list of beneficiaries who have availed the financial assistance under this sub-component, with MAI Division, Department of Commerce, on quarterly basis)75% of the testing and quality certification with a ceiling of ₹1.00 Lakh or actual, whichever is lower, subject to the following conditions: 1. Financial assistance is allowed for a maximum of 3 certificates per financial year with a ceiling of ₹1.00 Lakh per MSE unit. 2. Certificate, for which financial assistance is requested, should be attained within the same financial year.

💼 BankingCentral

International Cooperation Scheme- Market Development Assistance

The scheme “International Cooperation Scheme” was launched by the MSME, Govt. of India with the aim to capacity build MSMEs for entering the export market by facilitating their participation in international exhibitions/fairs/conferences/seminars/buyer-seller meets abroad.

💰Under this scheme component, financial assistance is provided on a reimbursement basis for airfare, Space Rent (Stall Charges), Duty allowance, Freight charges, advertisement & publicity charges, entry/registration fees, holding/organizing International conferences/ summits/ workshops/ seminars, etc.

📋 Sports & CultureState/ UT

International Financial Assistance

The scheme "International Financial Assistance" by the Sports, Youth and Cultural Activities Department, aims to promote participation of Gujarat sportspersons in international competitions through financial support of ₹75,000/- for travel, accommodation, and other related expenses.

💰Financial Assistance: ₹75,000/- is provided to eligible sportspersons to cover expenses for boarding, lodging, travel (including air tickets), sports kits, and other related miscellaneous expenses.

💼 Business & EntrepreneurshipState/ UT

Internet Subsidy Scheme

Launched in 2018, the "Internet Subsidy Scheme" is one of the "IT Policy Schemes" by the Dept of IT, Govt of Goa. The objective is to provide Internet Subsidy to the eligible Information Technology Units in Goa. 25% reimbursement on high-speed bandwidth, subject to a maximum of ₹ 5,00,000 per annum.

💰25% reimbursement on high-speed bandwidth, subject to a maximum of ₹ 5,00,000 per annum whichever is lower. | - The subsidy can be availed for a period of three years from the date of commencement of operations or from the date of notification of this policy whichever is later. | NOTE 1: The benefits under this scheme are subject to budgetary allocation. No Promissory Estoppel shall be applicable if benefits are discontinued in case the allocation is exceeded. | NOTE 2: Units will be subject to evaluation at the end of each Fiscal Year to verify eligibility to continue receiving benefits under this scheme.

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