STEP 01
Eligibility screen
Age, qualification, category, location and prior-subsidy history are checked before any work starts.
PMEGP Loan & Subsidy Consultants in Ahmedabad
PMEGP is a credit-linked subsidy scheme for setting up new micro enterprises in manufacturing and services, administered through KVIC, State KVIBs and District Industries Centres. A portion of the project cost comes as government subsidy, the rest as bank finance and your own contribution. Makhija & Company prepares the project report and manages the application.
PMEGP Loan — the short version
| Full name | Prime Minister's Employment Generation Programme |
|---|---|
| Administered by | KVIC, State KVIBs and District Industries Centres |
| Applies to | New micro enterprises only — existing units are not eligible |
| Structure | Government subsidy, bank finance and promoter contribution together fund the project |
| Subsidy rate | Varies by applicant category and whether the unit is urban or rural |
| Also required | EDP training and a viable, well-documented project report |
Loans
What it is, in plain terms
PMEGP is aimed at employment generation, which is why it funds new units rather than expansions and why the project report matters so much: the sanctioning committee is assessing whether the proposed enterprise will actually run and employ people.
Applications fail more often on the report than on the applicant. A project report with generic costings, an unrealistic capacity assumption or a market section that could describe any business will not clear the committee, however sound the idea is.
Who this is for
If one of these sounds like you, this is the right page.
- First-time entrepreneurs setting up a new manufacturing or service unit
- Applicants who meet the scheme's age and educational qualification conditions
- People who have not previously availed subsidy under PMEGP or a similar scheme
- Units being established in either urban or rural areas — the subsidy differs between them
- Applicants from categories eligible for the higher subsidy rate
- Anyone whose earlier PMEGP application was rejected on the project report
Documents you will need
This is the general set. After the first call you get one checklist built for your exact case, rather than a generic list you have to interpret.
- 01 PAN, Aadhaar and passport-size photographs
- 02 Educational qualification certificate, where the activity requires it
- 03 Caste or special-category certificate, where a higher subsidy rate is claimed
- 04 Rural area certificate, if applicable
- 05 Detailed project report with costings and projections
- 06 Quotations for machinery and equipment
- 07 Proof of the proposed premises — rent agreement or ownership document
- 08 EDP training certificate
Not sure this is what you need?
That is what the free consultation is for. Tell us the situation and we will tell you the shortest route through it — including when the answer is that you do not need this service at all.
Or call +91 81412 53309 — Monday to Saturday, 11:00 AM – 8:00 PM.
New units in and around Ahmedabad
PMEGP funds new units only, and whether your unit counts as urban or rural changes the subsidy. For applicants around Ahmedabad that distinction is worth checking before anything else is prepared, because it changes the numbers in the project report.
229, 2nd Floor, Ghantakarna Mall, Sarangpur
How we do it
Four steps, no surprises
You always know which step you are on and what we need from you next.
01 / 04
STEP 02
Project report
A detailed report with realistic costings, capacity, market and financial projections — the document the committee actually decides on.
STEP 03
Online application
The application is filed through the scheme portal and routed to the correct implementing agency.
STEP 04
Interview and bank stage
We prepare you for the committee interview and then support the bank appraisal that follows sanction.
What we actually build
The file, layer by layer
Getting sanctioned is rarely about the business — it is about how the file is built. Here is what actually goes into one, layer by layer.
-
1
KYC & constitutionPAN, Aadhaar and the deed or incorporation papers that say who is borrowing.
-
2
Financials & returnsFiled ITRs, GST returns and bank statements — the figures the lender pulls anyway.
-
3
CMA reportYour past figures and projections in the exact format a credit officer appraises against.
-
4
ProjectionsForward numbers that follow from the returns rather than contradicting them.
-
5
Submission & sanctionA complete file goes in once, and we chase the queries until the letter issues.
Questions
PMEGP Loan — frequently asked
-
QWho is eligible for PMEGP?
It is for individuals setting up a new micro enterprise, subject to conditions on age, educational qualification for certain project sizes, and not having previously taken subsidy under PMEGP or a comparable scheme. Existing businesses are not eligible — the scheme funds new units.
-
QHow much subsidy will I get under PMEGP?
The PMEGP subsidy rate depends on your category and on whether the unit is in an urban or rural area, and these rates are revised from time to time. We work out the figure that applies to your specific case rather than quoting a number that may have changed.
-
QCan an existing business apply?
No. PMEGP funds new units. If you already run a business and want finance to expand, CGTMSE-backed credit or a conventional business loan is the route — we will tell you which fits.
-
QIs EDP training compulsory?
Entrepreneurship Development Programme training is part of the process for PMEGP beneficiaries. We will tell you when it needs to happen relative to the rest of your application so it does not hold up the sanction.
-
QWhy do PMEGP applications get rejected?
PMEGP applications are most often rejected on the project report — generic costings, capacity figures that do not add up, or a market assessment that could apply to any business. The committee is deciding whether the unit will genuinely operate, and a report that does not answer that question does not clear.
Related
Often needed alongside this
Most clients need two or three of these together. Hover the deck to fan it out.Tap any card to see the details.
Mudra Loan
A Mudra loan is credit for small non-farm income-generating enterprises under the Pradhan Mantri MUDRA Yojana,…
Read moreCGTMSE Loan
CGTMSE is a credit guarantee scheme for micro and small enterprises. The trust guarantees a portion of the lender's…
Read moreCompany Registration
Choosing a business structure decides your liability, your compliance load and how you will be taxed — and changing…
Read moreBusiness & Startup Loans
A business loan is assessed on three things: what your filed returns show, whether your projections follow from them,…
Read moreGST Registration & Returns
GST registration is mandatory once your annual turnover crosses the threshold for your state and supply type, and…
Read moreIncome Tax & ITR Filing
An income tax return is the annual statement of your income, deductions and tax paid, filed with the Income Tax…
Read moreTalk to us before you file
A short conversation usually saves more than it costs. We are in Sarangpur, Ahmedabad — Monday to Saturday, 11:00 AM – 8:00 PM.