Government-backed funding for your business
Specialized financing for Micro, Small & Medium Enterprises — backed by Government of India schemes with minimal collateral, quick disbursal, and expert guidance at every step.
Credit solutions built for Indian businesses
MSME Loans are specialized financing solutions for Micro, Small & Medium Enterprises — often backed by Government of India initiatives to improve credit accessibility for small businesses across India.
At Pragati, we help you navigate government-backed schemes, subsidized interest rates, and credit guarantees — matching your business profile with the right lender from our network of 50+ banks and NBFCs.
Key features of our MSME loans
We assist with MUDRA, CGTMSE, Startup India, and PMEGP applications — schemes most borrowers miss on their own.
With CGTMSE guarantee covering up to 85% of the loan, many MSMEs qualify without pledging major assets.
Processing in 5–7 days with minimal documentation requirements — designed for business owners, not bankers.
Loans from ₹1 Lakh to ₹1 Crore, structured to match your business turnover, cash flow, and repayment capacity.
Certain government schemes offer interest subsidies — reducing your effective borrowing cost significantly.
We compare across PSU banks, private banks, and NBFCs to find the best MSME loan terms for your business.
Our team prepares and reviews your full application package — maximizing approval chances and minimizing delays.
Complete fee transparency before you sign. Every cost disclosed upfront — no surprises at disbursement.
Schemes that work for you
Three categories — Shishu (up to ₹50K), Kishor (₹50K–₹5L), and Tarun (₹5L–₹10L). Designed for micro and small businesses with minimal documentation and no collateral requirement.
Government guarantee covers up to 85% of the loan amount — enabling lenders to extend credit without requiring full collateral. Ideal for businesses that lack significant fixed assets.
DPIIT-recognized startups benefit from tax exemptions, regulatory relaxations, and access to fund-of-funds. Pragati helps you get recognized and access scheme benefits efficiently.
Margin money subsidy of 15–35% for new micro-enterprises in manufacturing and service sectors. Backed by KVIC — we handle all application formalities on your behalf.
How to apply for MSME loan
Contact Pragati via our website, call, or WhatsApp. Share your business type, loan requirement, and preferred timeline. Our advisor will respond within 2 hours.
We review your business vintage, annual turnover, monthly revenue, and CIBIL score. We match you with the right government scheme and lender based on your profile.
We provide a personalized checklist and help you compile, review, and organize all required documents. This step significantly reduces rejection risk.
We submit your application to the most suitable lenders and actively follow up on processing, credit assessment, and query resolution on your behalf.
Once approved, you receive a sanction letter with full loan terms. We help you review and understand every clause before signing the loan agreement.
Funds are transferred directly to your registered business bank account within 48–72 hours of agreement signing. Start using funds immediately for your business needs.
Are you eligible?
- Registered MSME business (Udyam Registration preferred)
- Minimum 2 years of business operation
- Annual turnover of ₹25 Lakhs or above
- CIBIL score of 650 or above (proprietor/director)
- GST registered (for applicable categories)
- Business plan and financial projections required for large loans
- No existing NPA or loan default history
- Business Registration Certificate / Udyam Certificate
- PAN Card + Aadhaar (all proprietors/directors)
- GST Registration and last 12 months GST returns
- Bank statements for last 12 months
- ITR for last 2 years with P&L and Balance Sheet
- MSME Certificate (if applicable)
- Project report or business plan (for new projects)
- Property documents (if collateral is being offered)
Interest rates & charges
MSME loan rates depend on business vintage, credit profile, turnover, and the scheme applied under. Government-backed loans often carry subsidized rates.
Plan your repayments easily
* EMI is indicative only. Actual EMI may vary based on lender, scheme, processing fee, and credit profile. Contact us for an accurate quote.
Frequently asked questions
