Credit Guarantee Fund Scheme for Micro and Small Enterprises
This is a Collateral free facility specially designed under the Credit Guarantee Fund Trust for Micro and Small Enterprises (MSE). (CGTMSE) scheme of SIDBI and Ministry of Small and Medium Enterprises as defined under MSMED Act, 2006.
- Get Collateral free loans up to Rs.1 crore under CGTMSE scheme
- Cash credit for meeting working capital finance requirement
- Term Loan for purchase of commercial assets and business expansion needs
- Sole Proprietorship Firms, Partnership Firms, Private limited companies, Public limited Companies.
Eligible business segment
- MSE excluding Retail traders
|Credit Facility||Annual Guarantee Fee % p.a.
Women Micro Enterprises and units in North East Region (including Sikkim)
|Up to Rs.5 Lacs||0.75%||1.00%|
|Above Rs.5 Lacs||0.85%||1.00%|
Credit Linked Capital Subsidy Scheme (CLCSS) for Technology Upgradation of Small Scale Industries (SSI)
The Ministry of Small Scale Industries (SSI) is operating a scheme for technology upgradation of Small Scale Industries (SSI) called the Credit Linked Capital Subsidy Scheme (CLCSS). The Scheme aims at facilitating technology upgradation by providing upfront capital subsidy to SSI units, including tiny, khadi, village and coir industrial units, on institutional finance (credit) availed of by them for modernization of their production equipment (plant and machinery) and techniques. The Scheme (pre-revised) provided for 15 per cent capital subsidy to SSI units, including tiny units, on institutional finance availed of by them for induction of well-established and improved technology in selected sub-sectors/products approved under the Scheme. The eligible amount of subsidy calculated under the pre-revised scheme was based on the actual loan amount not exceeding Rs.100 lakh.
The eligible beneficiaries include sole Proprietorships, Partnerships, Co-operative societies, Private and Public limited companies in the SSI sector. Priority shall be given to Women entrepreneurs
- Capital subsidy at the revised rate of 15 per cent of the eligible investment in plant and machinery under the Scheme shall be available only for such projects, where terms loans have been sanctioned by the eligible on or after September 29, 2005. Machinery purchased under Hire Purchase Scheme of the NSIC are also eligible for subsidy under this Scheme.
- Industry graduating from small scale to medium scale on account of sanction of additional loan under CLCSS shall be eligible for assistance.
- Eligibility for capital subsidy under the Scheme is not linked to any refinance Scheme of the Nodal Agency (ies). Hence, it is not necessary that the PLI will have to seek refinance in respect of the term loans sanctioned by them from any of the refinancing Nodal Agencies
- Labour intensive and/or export oriented new sectors/ activities will be considered for inclusion under the scheme
Ceiling on eligible loan amount and capital subsidy
- The maximum limit of eligible loan under the revised scheme is Rs. 100 lakh. Accordingly, the ceiling on subsidy would be Rs.15 lakh or 15% of the investment in eligible plant and machinery, whichever is lower.
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Prime Minister’s Employment Generation Programme (PMEGP)
Prime Minister’s Employment Generation Programme (PMEGP) is a credit linked subsidy programme administered by the Ministry of Micro, Small and Medium Enterprises, Government of India. Khadi & Village Industries Commission (KVIC), is the nodal agency at national level for implementation of the scheme. At state level the scheme is implemented through KVIC, KVIB and District Industries center
- To generate employment opportunities in rural as well as urban areas through setting up of self-employment ventures.
- To provide continuous and sustainable employment to a large segment of traditional and prospective artisans and unemployed youth, so as to help arrest migration of rural youth to urban areas
- The scheme is applicable to all viable (technically as well as economically) projects in rural as well as urban areas, under Micro enterprises sector.
- The maximum cost of the project admissible under manufacturing sector is Rs.25 lakhs and business/services sector is Rs.10 lakhs.
- Only one person from family is eligible for obtaining financial assistance under the scheme.
- Assistance under the Scheme is available only for new projects
- The assistance under the scheme will not be available to activities indicated in the negative list under the scheme
Eligible Entrepreneurs / Borrowers
- Any individual, above 18 years of age
- The beneficiaries should have passed at least VIII standard, for setting up of project costing above Rs.10 lacs in the Manufacturing Sector and above Rs. 5 lakhs in the business /Service Sector,
- Self Help Groups (including those belonging to BPL provided that they have not availed benefits under any other Scheme).
- Institutions registered under Societies Registration Act,1860
- Production Co-operative Societies
- Charitable Trusts
Subsidy Entitlement & Bank Finance
|Bank finance||Subsidy from KVIC||Promoter’s contribution|
|Urban Area||Rural Area|
|General Category beneficiary / institution||90%||15%||25%||10%|
|Special category beneficiary/institution||95%||25%||35%||5%|
Rate of Interest: As applicable to MSE Sector
Repayment: 3 to 7 years with an initial moratorium not exceeding 6 (six) months
Promoting Innovations in Individuals, Start-ups and MSMEs (PRISM)
PRISM (Promoting Innovations in Individuals, Start-ups and MSMEs) scheme aims at to support individual innovators which will enable to achieve the agenda of inclusive development – one of the thrust areas of XIIth five year plan (2012-2017). It would also provide support to institutions or organizations set up as Autonomous Organization under a specific statute or as a society registered under the Societies Registration Act, 1860 or Indian Trusts Act, 1882 leading to development of state-of-art new technology solutions aimed at helping MSME clusters.
Who can apply
Any Indian citizen having innovative idea and wish to translate their idea into working prototypes/models/processes; public funded institutions or organizations viz. Autonomous Organizations or Society registered under the Societies Registration Act, 1860 or Indian Trusts Act, 1882 engaged in promotion of innovation.
The proposals shall preferably be considered in the following focus sectors: Green technology, Clean energy, Industrially utilizable smart materials, Waste to Wealth, Affordable Healthcare, Water & Sewage Management and any other technology or knowledge intensive area.
PRISM Phase – 1
Category-I: Proof of Concept/ Prototypes/ Models
Maximum support may be limited to Rs. 2 lakhs or 90% of the total project cost whichever is lower.
Category-II: Fabrication of working model/process know-how/ testing and trial/patenting/technology transfer etc. (Innovation Incubation)
Maximum support may be limited to Rs.20 lakhs or 90% of the total project cost whichever is lower
PRISM- Phase-II (Enterprise Incubation)
Maximum support may be up to Rs. 50 lakhs limited to 50% of the total project cost. The support may be provided for scaling up technology based innovations, including patenting/design registration/trademark registry/ technology transfer to develop a marketable product/process towards enterprise creation.
Maximum support may be up to Rs. 50 lakhs, limited to 50% of the total project cost for developing technology solutions aimed at helping MSME clusters.
For – Any R&D institute / autonomous institutions/public funded laboratories/ academic institutes and so on
Marketing Assistance Scheme
Promoting Innovations in Individuals, Start-ups and MSMEs (PRISM)
Under the Scheme, it is proposed to provide marketing support to Micro, Small & Medium Enterprises through National Small Industries Corporation (NSIC) and enhance competitiveness and marketability of their products, through following activities.
- To enhance marketing capabilities & competitiveness of the MSMEs.
- To showcases the competencies of MSMEs.
- To update MSMEs about the prevalent market scenario and its impact on their activities.
- To facilitate the formation of consortia of MSMEs for marketing of their products and services.
- To provide platform to MSMEs for interaction with large institutional buyers.
- To disseminate/ propagate various Programmes of the Government.
- To enrich the marketing skills of the micro, small & medium entrepreneurs
- Organizing International Technology Exhibitions in Foreign Countries by NSIC and participation in International Exhibitions/Trade Fairs
- Organizing Domestic Exhibitions and Participation in Exhibitions/ Trade Fairs in India
- Support for Co-sponsoring of Exhibitions organized by other organizations / industry associations/agencies
- Buyer-Seller Meets
- Intensive Campaigns and Marketing Promotion Events
- Other Support Activities
TIFAC – SIDBI Revolving Technology Innovation Fund (SRIJAN)
Development, demonstration, up-scaling and commercialization of innovative technology based projects by MSMEs. The Scheme will provide developmental loan at flexible terms & softer interest rate to encourage, promote and development of innovation of new technology / process / product and its commercialization
Eligibility: New / existing MSME units
Assistance upto 80% of the total project cost, which would be normally around Rs. 100 lakhs. Higher assistance could be considered selectively based on innovation content in the projects.
- Capital expenditure e.g. factory shed for the project, plants & machinery, utilities, testing & quality control equipment etc.
- Intangibles e.g. patents/ copy rights / R&D / technology transfer fee / licensing / Marketing / brand building expenses
- Working capital margin
- Pre-operative expenses
- Manpower cost
- Contingencies / Any other heads required for the project
- Not more than 0.5% of the sanctioned amount + service tax as applicable for the sanctioned projects only.
Instruments of Finance
- Secured Term Loan
Rate of Interest – Not more than 5% p.a.
Repayment Period – Loan repayment period including moratorium should generally be not more than 6 years from the date of completion of the project
- First charge on assets (both moveable / immoveable) created / to be created under the project.
- First / paripassu / second charge on other assets of the unit depending upon prior charge created/ to be created
- Personal guarantees of promoters.
Promoter’s Contribution – Minimum promoter’s contribution generally 20%
Scheme for providing financial assistance on International Cooperation
Technology infusion and/or up gradation of Indian micro, small and medium enterprises (MSMEs), their modernization and promotion of their exports are the principal objectives of assistance under the International Cooperation Scheme. The Scheme would cover the following activities
- Visit of MSME business delegations to other countries for exploring new areas of technology infusion/up gradation, facilitating joint ventures, improving market of MSMEs products, foreign collaborations, to visit international exhibitions/trade fairs, etc.
- Visit & participation by Indian MSMEs in international exhibitions, trade fairs and buyer-seller meets in foreign countries.
- Participation in International exhibitions/ trade fairs held in India in which there is international participation.
- Holding international conferences and seminars on topics and themes of interest to the Indian MSMEs.
- Holding/organizing International conferences/seminars/ workshops in India by Ministry of MSME or organizations under it.
- State/Central Government Organizations;
- Registered Industry/Enterprise Associations; and
- Societies/Trusts and Organizations associated with promotion and development of MSME Sector
- The applicant organization should be suitably registered (i.e. companies under the Companies Act, Societies under the Societies Act, etc.) With the primary objective of promotion and development of MSME.
- The applicant organization must be engaged in such activities for at least last 3 years and have a good track record.
- The applicant organization should have regular audited accounts for the past 3 years.
- Events, for which financial support under the Scheme is sought, must have significant international participation.
Single Point Registration Scheme (SPRS)
The Government is the single largest buyer of a variety of goods. With a view to increase the share of purchases from the small-scale sector, the Government Stores Purchase Programme was launched in 1955-56. NSIC registers Micro & small Enterprises (MSEs) under Single Point Registration scheme (SPRS) for participation in Government Purchases.
Benefits of Registration
The units registered under Single Point Registration Scheme of NSIC are eligible to get the benefits under “Public Procurement Policy for Micro & Small Enterprises (MSEs) Order 2012” as notified by the Government of India, Ministry of Micro, Small & Medium Enterprises, New Delhi vide Gazette Notification dated 26.03.2012
- Issue of tender sets free of cost,
- Exemption from payment of Earnest Money Deposit (EMD),
- In tender participating MSEs quoting price within price band of L1+15 per cent shall also be allowed to supply a portion upto 20% of requirement by bringing down their price to L1 Price where L1 is non MSEs
All industries which are registered with the Director of Industries (DI)/District Industries Centre (DIC) as manufacturing/service enterprises or having Acknowledgement of Entrepreneurs Memorandum (EM Part-II) are eligible for registration with NSIC under its Single Point Registration Scheme (SPRS).
The SPRS Certificate is granted to the Micro & Small Enterprise under Single Point Registration Scheme (Revised), 2003 is valid for Two Years and will be reviewed and renewed after every two years by verifying continuous Commercial and Technical Competence of the registered Micro & Small Enterprise in manufacturing / producing the stores for which it has been registered by NSIC
Provisional Registration Certificate with Monetary Limit of Rs.5.00 lakhs is issued to new micro and small enterprises subject to the followings:
For the Micro & Small Enterprises who have already commenced their commercial production but not completed one year of existence. The Provisional Registration Certificate can be issued to such Micro & Small Enterprises under Single Point Registration scheme which shall be valid for the period of one year only from the date of issue after levying the registration fee and obtaining the requisite documents.
Raw Material Assistance Scheme
Scheme aims at helping MSEs by way of financing purchase of raw material (both indigenous & imported). This gives an opportunity to MSEs to focus better on manufacturing quality products.
Nature of assistance:
Financial assistance for procurement of raw material upto 90 days. MSEs helped to avail economics of purchases like bulk purchase; cash discount etc NSIC takes care of all the procedures, documentation & issue of letter of credit in case of imports
Who can apply?
Performance and Credit Rating Scheme
An independent, trusted third party opinion on capabilities and credit-worthiness of SSIs Availability of credit at attractive interest, Recognition in global trade, Prompt sanctions of credit from banks and financial institutions, Subsidized rating fee structure for SSIs, facilitate vendors/buyers in capability and capacity assessment of SSIs, Enable SSIs to ascertain the strengths and weaknesses of their existing operations and take corrective measures.
Nature of assistance:
|Turnover of SSI||Reimbursement of fee through NSIC|
|Upto Rs.50 lakhs||75% of the fee or Rs.25000 (Whichever is less)|
|Above Rs.50 to 200 lakhs||75% of the fee or Rs.30,000 (Whichever is less)|
|More than Rs.200 lakhs||75% of the fee or Rs.40,000 (Whichever is less)|
Who can apply:
Any enterprise registered in India as a micro or small enterprise is eligible to apply
National Manufacturing Competitiveness Programme
National Manufacturing Competitiveness Council (NMCC) has finalised a five-year national manufacturing programme. Ten schemes have been drawn up including schemes for promotion of ICT, mini tool room, design clinics and marketing support for SMEs. Implementation will be in PPP model, and financing will be tied up. Under this plan following schemes are being implemented.
- Marketing support/Assistance to MSMEs (Bar Code).
- Support for entrepreneurial and managerial development of SMEs through incubators.
- Enabling manufacturing sector to be competitive through Quality Management Standard & Quality Tech. Tools (QMS/QTT).
- Building awareness on Intellectual Property Rights (IPR) for MSME.
- Lean manufacturing competitiveness scheme for MSMEs and Compendium of success stories.
- Design clinic scheme for design expertise to MSMEs manufacturing sector (DESIGN) and Case studies of design projects under design clinic scheme for MSMEs.
- Promotion of ICT in Indian manufacturing sector (ICT).
- Technology and quality up-gradation support to MSMEs.
ISO 9000/ISO 14001 Certification Reimbursement Scheme
Small scale sector has emerged as dynamic and vibrant and making significant contribution to industrial production, export and employment generation. The process of economic liberalisation and reforms has opened up Indian small scale sector to global competition. In order to enhance the competitive strength of small sector, Government introduced an incentive scheme for their technological up-gradation/ quality improvement and environment management. The scheme provides incentive to those small scale/ancillary undertaking who have acquired ISO 9000/ISO 14001/HACCP certifications. The scheme enlarged so as to include reimbursement of expenses for acquiring ISO 14001 certification.
Nature of Assistance:
Scheme envisages reimbursement of charges of acquiring ISO 9000/ISO-14001/HACCP certifications to the extent of 75% of expenditure subject to a maximum of Rs. 75,000 in each case.
Who can apply:
Permanent Registered Micro Small Enterprises (MSEs) units are to avail incentive scheme. Scheme is applicable to those MSEs/ancillary/ tiny/SSSBE units who have already acquired ISO- 9000/ISO-14001/ HACCP certification.
The following table is the compilation of Startup schemes launched by the GoI under different ministries to encourage Startups and promote entrepreneurship in the country.
|Support for International Patent Protection in Electronics & Information Technology (SIP-EIT||Department of Electronics and Information Technology (DeitY)||IT Services, analytics, enterprise software, technology hardware, Internet of Things, AI||Up to INR 15 Lakhs per invention or 50% of the total expenses incurred in filing and processing of the patent application upto grant, whichever is lesser.|
|Multiplier Grants Scheme (MGS)||Department of Electronics and Information Technology (DeitY)||IT Services, analytics, enterprise software, technology hardware, Internet of Things, AI||Limited to a maximum of INR 2 Cr per project and the duration of each project should, preferably, be less than two years. For industry consortiums these figures would be INR 4 Cr and three years|
|Software Technology Park (STP) Scheme||Software Technology Parks of India (STPI)||IT services, fintech, enterprise software, analytics, AI||Sales in the DTA up to 50% of the FOB value of exports is permissible and depreciation on computers at accelerated rates up to 100% over 5 years is permissible.|
|Electronic Development Fund (EDF) Policy||Department of Electronics and Information Technology (DeitY)||IT Services, analytics, enterprise software, technology hardware, Internet of Things, AI, nanotechnology||Companies will get risk capital from “Daughter Funds” set up by Electronic Development Fund (EDF).|
|Modified Special Incentive Package Scheme (M-SIPS)||Department of Electronics and Information Technology (DeitY)||Technology hardware, Internet of Things, aeronautics/aerospace & defence, automotive, non-renewable energy, renewable energy, green technology,and nanotechnology||Majorly provides capital subsidy of 20% in SEZ (25% in non-SEZ) for units engaged in electronics manufacturing.|
|Scheme to Support IPR Awareness Seminars/Workshops in E&IT Sector||Department of Electronics and Information Technology (DeitY)||IT services, analytics, enterprise software, technology hardware, Internet of Things, AI||Organisations are provided with a grant between INR 2 Lakhs to INR 5 Lakhs.|
|NewGen Innovation and Entrepreneurship Development Centre (NewGen IEDC)||NewGen Innovation and Entrepreneurship Development Centre (NewGen IEDC)||Chemicals, technology hardware, healthcare & lifesciences, aeronautics/aerospace & defence, agriculture, AI, AR/VR (augmented + virtual reality), automotive, telecommunication & networking, computer vision, construction, design, non-renewable energy, renewable energy, green technology, fintech, Internet of Things, nanotechnology, social impact, food & Beverages, pets & animals, textiles & apparel.||Provide a limited, one-time, non-recurring financial assistance, up to a maximum of INR 25 Lakhs.|
|The Venture Capital Assistance Scheme||Small Farmers’ Agri-Business Consortium (SFAC)||Agriculture||The quantum of SFAC Venture Capital Assistance will depend on the project cost, location and the promoter’s status.|
|Credit Guarantee||Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)||Sector-Agnostic||Both term loans and/or working capital facility up to INR 100 Lakhs per borrowing unit are being provided.|
|Performance & Credit Rating Scheme||National Small Industries Corporation (NSIC)||Sector-agnostic||The incentives are proportional to the turnover of the MSMEs.|
|Raw Material Assistance||National Small Industries Corporation (NSIC)||Sector-agnostic||MSMEs will be helped to avail economics of purchases like bulk purchase, cash discount, etc. Also, all the procedures, documentation and issue of letter of credit in case of imports will be taken care of.|
|Revamped Scheme of Fund for Regeneration of Traditional||Khadi and Village Industries Commission||Sector-agnostic||Funds limited to a maximum of INR 8 Cr to support soft, hard and thematic interventions are provided.|
|Single Point Registration Scheme (SPRS)||National Small Industries Corporation (NSIC)||Sector-agnostic||Micro and small enterprises will get exemption from payment of Earnest Money Deposit (EMD) and will be issued tender sets free of cost.|
|Aspire – Scheme for promotion of innovation, entrepreneurship and agro-industry||Steering Committee, Ministry of MSME||Agriculture, pets & animals, social impact, healthcare & life sciences||Based on nature of existence of the incubator|
|Infrastructure Development Scheme||National Small Industries Corporation (NSIC)||Sector-agnostic||For a deposit of six months refundable rent, an office space of 467 sq.ft. to 8,657 sq.ft. is provided.|
|MSME Market Development Assistance||Office of the Development Commissioner (MSME)||Sector-agnostic||Provides air fare reimbursements based on category entrepreneur lies in (General, women, SC/ST/PwD). The total subsidy on air fare & space rental charges will be restricted to INR 1.25 Lakhs per unit.|
|National Awards (Individual MSEs)||Office of the Development Commissioner (MSME)||Sector-agnostic||The Selected National awardee is facilitated with a cash prize of INR 1 Lakh, INR 75K, INR 50K in order of ranking.|
|Coir Udyami Yojana||Coir Board||Agriculture||The amount of bank credit will be 55% of the total project cost after deducting 40% margin money (subsidy) and owner’s contribution of 5% from beneficiaries.|
|International Cooperation (IC) Scheme||Office of the Development Commissioner (MSME)||Travel & tourism, human resources, events, advertising||The incentives vary as per the organisation category.|
|Credit Linked Capital Subsidy for Technology Upgradation||Office of the Development Commissioner (MSME)||Sector-agnostic||Ceiling on loans under the scheme has been raised from INR 40 Lakhs to INR 1 Cr while the rate of subsidy has been enhanced from 12% to 15%.|
|Bank Credit Facilitation Scheme||National Small Industries Corporation (NSIC)||Sector-agnostic||N/A|
|Scale-up Support to Establishing Incubation Centres||NITI Aayog||Chemicals, technology hardware, healthcare & lifesciences, aeronautics/aerospace & defence, agriculture, AI, AR/VR (augmented + virtual reality), automotive, telecommunication & networking, computer vision, construction, design, non-renewable energy, renewable energy, green technology, fintech, Internet of Things, nanotechnology, social impact, food & Beverages, pets & animals, textiles & apparel.||Grant-in-aid support of INR 10 Cr will be provided in two annual instalments of INR 5 Cr each.|
|Udaan Training Programme For Unemployed Youth Of J&K||National Skill Development Corporation (NSDC)||Education, human resources||INR 750 Cr has been earmarked for the implementation of the scheme over a period of five years|
|Enhancement of Competitiveness in the Indian Capital Goods Sector||Department of Heavy Industries (DHI)||Chemicals, technology hardware, healthcare & lifesciences, aeronautics/aerospace & defence, agriculture, automotive, construction, non-renewable energy, renewable energy, green technology, Internet of Things, nanotechnology, social impact, food & beverages, textiles & apparel.||One time grant up to 25% of the cost of the technology acquisition of each technology. Maximum amount given shall not exceed INR 10 Cr|
|National Clean Energy Fund (NCEF) Refinance||Indian Renewable Energy Development Agency (IREDA)||Renewable energy, clean energy, green energy plants.||REDA would provide funds received from NCEF by way of refinance to scheduled commercial banks and financial institutions (including IREDA). Maximum refinance amount INR 15 Cr per project.|
|IREDA Scheme For Discounting Energy Bills||Indian Renewable Energy Development Agency (IREDA)||Renewable energy, clean energy, green energy||Upto 75% of the invoice value pending for maximum six months from the date of application subject to a maximum bill discounting facility of INR 20 Cr. The minimum amount of transaction covering a set of bills shall not be less than INR 1 Cr.|
|Bridge Loan Against MNRE Capital Subsidy||Bridge Loan Against MNRE Capital Subsidy||Renewable energy, clean energy, green energy||The projects will get up to 80% of the existing pending eligible capital subsidy claim, as verified by the IREDA with a minimum loan assistance of INR 20 Lakhs.|
|Credit Enhancement Guarantee Scheme||Indian Renewable Energy Development Agency (IREDA)||Renewable energy, clean energy, green energy||Provide credit enhancement by way of unconditional and irrevocable partial credit guarantee to enhance the credit rating of the proposed bond.|
|SIDBI Make in India Soft Loan Fund for Micro Small and Medium Enterprises (SMILE)||Small Industries Development Bank of India (SIDBI)||Sector-agnostic||The loan amount granted is based on category entrepreneur lies in. (General, women, SC/ST/PwD)|
|Startup assistance Scheme||Small Industries Development Bank of India (SIDBI)||Sector-agnostic||The financial assistance provided is need-based, subject to a maximum of INR 200 Lakhs and equity kicker|
|Technology Development Programme (TDP)||Science and Engineering Research Board (SERB)||Chemicals, technology hardware, healthcare & lifesciences, aeronautics/aerospace & defence, agriculture, AI, AR/VR (augmented + virtual reality), automotive, telecommunication & networking, computer vision, construction, design, non-renewable energy, renewable energy, green technology, fintech, Internet of Things, nanotechnology, social impact, food & beverages, pets & animals, textiles & apparel.||Provided support for project staff salaries, equipment, supplies and consumables, contingency expenditure, patent filing charges, outsourcing charges, etc.|
|SPARSH (Social Innovation programme for Products: Affordable & Relevant to Societal Health)||Biotechnology Industry Research Assistance Council (BIRAC)||Healthcare & life sciences||The loan and grant are provided according to the startup stage.|
|Promoting Innovations in Individuals, Startups and MSMEs (PRISM)||Council of Scientific & Industrial Research||Sector-agnostic||Support grant is provided under categories such as PRISM Phase I, PRISM Phase II and PRISM-R&D Proposals.|
|Science and Technology of Yoga and Meditation (SATYAM)||Department of Science and Technology (DST)||Healthcare & life sciences||Not specified.|