How to Apply for PMEGP Loan Scheme Online – Step-by-Step Guide (2025)
🚀 Introduction
The PMEGP (Prime Minister's Employment Generation Programme) is a credit-linked subsidy scheme that helps individuals and groups set up micro-enterprises in non-farm sectors. If you're planning to start a small business or expand one, this guide will help you apply online for the PMEGP loan in 2025 with all the necessary details.
📋 Step-by-Step Guide to Apply for PMEGP Loan (2025)
1. Visit the Official PMEGP Portal
Go to https://www.kviconline.gov.in/pmegp
2. Click on ‘Online Application for Individual’ or ‘Non-Individual’
Choose based on your applicant type (individual, SHG, trust, etc.)
3. Register Your Profile
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Enter basic details like name, DOB, Aadhaar, email, mobile number, etc.
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Set a password and verify your mobile/email via OTP.
4. Fill the Application Form
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Business Name & Activity
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Financial projections (project cost, working capital, expected employment)
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Bank details
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Upload photo and signature
5. Upload Required Documents
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Aadhaar Card
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Project Report
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Educational Certificates
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Caste Certificate (if applicable)
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Rural area certificate
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Bank Passbook
6. Choose Your Financing Bank
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Select a bank and branch near you.
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This is where your loan request will be forwarded.
7. Submit the Application
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After checking all details, click on Submit.
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Take a print of the final form for reference.
✅ Eligibility Criteria for PMEGP
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Must be 18 years or above
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At least 8th pass for projects above ₹10 lakh (manufacturing) or ₹5 lakh (service)
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New projects only (not existing businesses)
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Available to individuals, SHGs, institutions, and societies
💰 Subsidy & Loan Structure
| Area | General Category Subsidy | Special Category Subsidy |
|---|---|---|
| Urban | 15% of project cost | 25% of project cost |
| Rural | 25% of project cost | 35% of project cost |
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Margin money contribution: Applicant has to bring in 5–10%
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Remaining amount as Term Loan from Bank
📍 How to Track Application Status
Visit the PMEGP portal
Go to “Track Application Status” → Enter your Application ID
🎯 Key Benefits of PMEGP Scheme
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Up to ₹25 lakh loan with subsidy
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Encourages self-employment and rural entrepreneurship
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Available for a wide range of activities in manufacturing and services
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Helps generate employment at the local level
📌 Final Words
The PMEGP loan scheme 2025 is a great opportunity for aspiring entrepreneurs in India. By following this online process, you can easily apply and get the government subsidy to start your dream venture.
Shall I proceed with the next article: “How to Apply for FSSAI Food License Online in India – Step-by-Step Guide (2025)”?