Service · Capital & interest subsidies · CGTMSE · Central and Gujarat incentives
Lower the real cost of the loan you're taking.
Eligibility checks, applications and claim filing for capital and interest subsidies, CGTMSE cover, and central and Gujarat incentive schemes, planned alongside your loan rather than after it.
What it covers
The common forms, and what each one is for.
CAP
Capital subsidy
Support towards the cost of eligible plant, machinery or projects.
INT
Interest subsidy
Support towards interest paid on eligible loans, claimed over time.
CGT
CGTMSE cover
A guarantee that helps eligible micro and small enterprises borrow without collateral.
Who it suits
Is this the right facility for you?
- MSMEs buying machinery or setting up or expanding a unit
- Businesses taking term loans for eligible projects
- Micro and small enterprises without collateral
- Units that have already invested and want to check unclaimed benefits
How lenders look at it
What a credit officer checks first.
01
Eligibility
Enterprise category, sector, location and the scheme's own conditions.
02
Timing
Some schemes have conditions on when the investment or loan happens.
03
Documentation
Registrations, certificates and proofs the scheme asks for.
04
Loan linkage
Many benefits depend on a sanctioned and disbursed loan.
05
Claims
Periodic claims with supporting statements, filed on time.
06
Agency decision
The government agency decides and pays, not us or the lender.
How we help
From your numbers to a facility you can use.
1
Check eligibility
Which schemes may apply before you commit to the investment.
2
Plan it with the loan
Loan and subsidy structured together, so conditions are met.
3
File the application
Forms, certificates and documents prepared and submitted.
4
Follow the claim
Claims filed and followed up with the agency concerned.
Mistakes we see often
- Discovering a scheme after the purchase, when its conditions can no longer be met
- Missing claim deadlines after disbursement
- Assuming a subsidy is assured once applied for
Scheme benefits are decided and paid by the government agency concerned, usually after the loan is disbursed and conditions are met. We check eligibility and handle the filing; we do not guarantee approval.
Documents
What this file usually needs.
Lenders differ. We confirm the exact list for your case after the first call.
- Udyam registration certificate
- Project cost details and quotations
- Loan sanction letter and disbursement proof
- Last 3 years' financial statements and ITRs
- KYC of the business and promoters
Questions
Government Scheme & Subsidy Advisory, answered.
Do you guarantee the subsidy?
No. The government agency concerned decides and pays. We check eligibility, prepare and file the application, and follow up.
When is a subsidy paid?
Usually after the loan is disbursed and the scheme's conditions are met, and often in instalments or as periodic claims.
Can I claim a subsidy for an investment already made?
Sometimes, if the scheme's timelines and conditions are still met. We check before you spend time on it.
Which schemes do you cover?
Capital and interest subsidies, CGTMSE, and central and Gujarat government incentive schemes for eligible MSMEs. Schemes change, so we check the current terms for your case.
Talk through your scheme eligibility need.
Free 30-minute review · 10 am – 7 pm IST, every day