Government Loan Schemes 2026

Subsidies, collateral-free loans, and government-backed credit for individuals, farmers, women, and small businesses in Tamil Nadu

PMAY – Home Loan Subsidy

Get up to ₹2.67 lakh interest subsidy on your home loan. For EWS, LIG, MIG-I, MIG-II income groups.

Up to ₹2.67L subsidy

Mudra Loan (PMMY)

Collateral-free loans up to ₹20 lakh for small businesses. Shishu, Kishor, and Tarun categories.

Up to ₹20 Lakh

CGTMSE – Collateral-Free Business Loan

No property or guarantor needed. Bank loans up to ₹5 crore for MSEs with government guarantee.

Up to ₹5 Crore

₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs starting a new business.

₹10L – ₹1 Crore

PMEGP – Capital Subsidy

15–35% non-repayable government subsidy to start a new manufacturing or service business.

15–35% Free Subsidy

Kisan Credit Card (KCC)

Agricultural credit at just 4% interest per year for farmers and allied activities.

₹10,000 to ₹50,000 micro-loans for urban street vendors. 7% cashback on digital repayment.

₹10K – ₹50K

DAY-NRLM SHG Loans

Rural women's Self Help Group loans at 7% interest. Join or form an SHG to access bank credit.

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