Subsidy Loans

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Subsidy Loans

A subsidy loan is a type of loan provided by the government or a specific organization at a reduced interest rate or with other favorable terms to promote certain activities or achieve social or economic objectives.

  • Agricultural Subsidy Loans
  • Housing Subsidy Loans
  • Small Business Subsidy Loans
  • Education Subsidy Loans
  • Export Subsidy Loans
  • Energy Subsidy Loans
  • Microfinance Subsidy Loans
  • Disaster Relief Subsidy Loans

  • Identity & Registration
    • Aadhaar, PAN, Voter ID, Passport.
    • Udyam/MSME Certificate (for business loans).
    • Incorporation/Partnership Deed (for companies).
  • Financial Documents
    • Bank statements (6–12 months).
    • Income Tax Returns (2–3 years).
    • Audited financials (for firms/companies).
    • CMA Data / DPR (for project-based subsidy loans).
  • Project / Activity Proof
    • Machinery invoices, quotations.
    • Land/Building documents.
    • Education admission letter (for student loans).
    • Property details (for housing loans).
  • Other Compliance
    • GST returns.
    • Labour law compliance (PF/ESI if applicable).
    • Self-declaration for subsidy eligibility.

  • Individuals - Students, farmers, women entrepreneurs, first-time home buyers.
  • MSMEs / Startups - Manufacturing, service, or trading businesses registered under Udyam.
  • Farmers / Rural Entrepreneurs- Agricultural and allied activities.
  • Companies / Co-operatives / SHGs - Eligible for cluster development, industry, and cooperative society loans.

General Conditions:

  • Must fall under government-notified sector/scheme.
  • Must comply with MSME/Udyam registration, GST, PAN, and IT returns.
  • Satisfactory CIBIL score (for some schemes, minimum 650–700+).
 
     
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