Housing
PMAY — PM Awas Yojana
Interest subsidy up to ₹2.67 Lakh for first-time homebuyers in EWS/LIG/MIG categories. Subsidy credited directly to loan account — reducing principal and monthly EMI from day one.
Who benefits: First-time homebuyers with annual income up to ₹18 Lakh. Property in approved layouts. Woman co-owner preferred for EWS/LIG.
How to access: Apply through your home loan application. We check your eligibility and handle PMAY processing alongside your loan application.
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Business
Mudra Yojana
Collateral-free loans up to ₹20 Lakh for small businesses and micro entrepreneurs. Shishu (₹50K), Kishor (₹5L), Tarun (₹10L), Tarun Plus (₹20L). Zero processing fee.
Who benefits: Micro businesses, street vendors, artisans, home-based businesses, small traders. Any Indian citizen above 18 with a viable business idea or existing business.
How to access: Apply through any bank branch or through us. We prepare your Mudra application and submit to the most suitable bank for your profile.
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Education
PM Vidya Lakshmi
Single-window portal for education loan applications. Apply to multiple banks with one form. Central sector interest subsidy for students from families with income below ₹4.5 Lakh/year.
Who benefits: Students pursuing higher education at approved Indian institutions. Full interest subsidy during course period for eligible income groups.
How to access: Apply at vidyalakshmi.co.in or through us. We help students navigate the portal and ensure correct bank matching.
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Health
Ayushman Bharat (PMJAY)
₹5 Lakh health coverage per family per year. Cashless hospitalisation at 25,000+ empanelled hospitals. Covers 1,929+ procedures. No premium for beneficiaries — fully government-funded.
Who benefits: Economically weaker sections based on SECC 2011 data. Check eligibility at beneficiary.nha.gov.in using Aadhaar or ration card number.
How to access: Get Ayushman Card from nearest CSC or government hospital. We help eligible families get their card quickly.
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Business
PMEGP
Prime Minister Employment Generation Programme — margin money subsidy of 15–35% for new manufacturing and service businesses. Up to ₹25 Lakh project cost for manufacturing, ₹10 Lakh for services.
Who benefits: First-generation entrepreneurs, SC/ST, women, ex-servicemen. Minimum 8th pass. For new businesses only — not for expansion of existing.
How to access: Apply through KVIC, KVIB, or District Industries Centre. Attend Entrepreneurship Development Programme after sanction. We guide through the entire process.
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Empowerment
Stand-Up India
Bank loans of ₹10 Lakh to ₹1 Crore for at least one SC/ST and one woman entrepreneur per bank branch. For greenfield enterprises in manufacturing, services, and agri-allied sectors.
Who benefits: SC/ST category entrepreneurs and women entrepreneurs setting up new businesses. First-time business owners are priority.
How to access: Apply directly to any bank branch or through standupmitra.in portal. We prepare your business plan and loan application.
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Business
CGTMSE
Credit Guarantee Fund Trust enables banks to lend up to ₹5 Crore to MSMEs without collateral. Bank's risk is covered 75–85% by the trust — making lenders more willing to fund viable small businesses.
Who benefits: Micro and small enterprises (Udyam registered) needing collateral-free credit. Both new and existing businesses. Manufacturing and services eligible.
How to access: Apply for business loan to any bank and request CGTMSE coverage. Annual guarantee fee: 0.37–1.35% of loan amount.
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Tax Saving
Income Tax Deductions
Strategic use of 80C, 24(b), 80D, 80E, 80EEA, and 10(10D) can save up to ₹7+ Lakh in taxable income per couple annually — through home loans, insurance, and education loans.
Who benefits: Every earning individual with home loans, insurance policies, or education loans. Most people under-claim their tax benefits.
How to access: Plan your investments and loans correctly before year-end. We provide free tax planning guidance for loan and insurance-related deductions.
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