Right to Information Wiki

Government schemes for students in India

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:37 +0000

2026/05/03 11:03	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(student schemes india, scholarship for students, education loan, neet scholarship, jee scholarship, free coaching scheme)
	+	metatag-description=(Complete list of central + state schemes for students. NSP scholarships, education loans (Vidya Lakshmi), free coaching (PRABAL), digital learning (SWAYAM), study.)
	+	}}

	+	====== Government schemes for students in India ======
	+	{{ :social:auto:audience-students.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: 70+ central + 200+ state scholarships for Indian students. Pre-Matric (class 1-10), Post-Matric (class 11+), Top Class (premier institutions), Merit-cum-Means (technical), Minority, Disabled. Plus: education loan (Vidya Lakshmi portal — banks compete), free coaching (PRABAL for SC/ST/OBC), digital learning (SWAYAM, DIKSHA, e-PG Pathshala), study abroad (National Overseas Scholarship Scheme).
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian students. Income ceiling Rs 2L (OBC) / Rs 2.5L (SC/ST) / Rs 8L (EWS, Top Class) for most. Marks ≥ 50% (general) / 60% (Top Class).
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. National Scholarship Portal (NSP) ====
	+	80+ scholarships unified portal. Pre-Matric, Post-Matric, Top Class. Apply Aug-Oct annually. DBT to Aadhaar-linked bank.
	+
	+	* Where to apply: NSP scholarships.gov.in
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 2. Vidya Lakshmi (Education Loan) ====
	+	Single portal for 38+ banks' education loans. 4-12% interest. Up to Rs 10L unsecured / Rs 1Cr+ secured. Apply once, multiple offers.
	+
	+	* Where to apply: Vidya Lakshmi portal
	+	* Official portal: [[https://www.vidyalakshmi.co.in\|https://www.vidyalakshmi.co.in]]
	+
	+	==== 3. PRABAL (Free Coaching for SC/ST/OBC) ====
	+	Free coaching for civil services, JEE, NEET, banking. 100% govt-funded. Apply at empanelled centres.
	+
	+	* Where to apply: Ministry of Social Justice
	+	* Official portal: [[https://socialjustice.gov.in/schemes\|https://socialjustice.gov.in/schemes]]
	+
	+	==== 4. SWAYAM Free Online Courses ====
	+	2,000+ courses from IITs/IIMs/Universities. Free + credits via SWAYAM platform. Class 9 to %%PhD%%.
	+
	+	* Where to apply: SWAYAM portal
	+	* Official portal: [[https://swayam.gov.in\|https://swayam.gov.in]]
	+
	+	==== 5. DIKSHA (Class 1-12) ====
	+	NCERT-aligned content for school students. Hindi + 10+ regional languages. Free. App + web.
	+
	+	* Where to apply: DIKSHA portal
	+	* Official portal: [[https://diksha.gov.in\|https://diksha.gov.in]]
	+
	+	==== 6. National Overseas Scholarship (NOSGS) ====
	+	For SC/ST/%%PwD%% students. Up to Rs 80L for masters/%%PhD%% abroad. ~125 selections/year.
	+
	+	* Where to apply: Ministry of Social Justice
	+	* Official portal: [[https://socialjustice.gov.in/scheme/52\|https://socialjustice.gov.in/scheme/52]]
	+
	+	==== 7. PM-USP Yashasvi (Top Class) ====
	+	Pre-matric + post-matric for OBC, EBC, DNT students in Class 9+ at top institutions. Income < Rs 2.5L.
	+
	+	* Where to apply: NSP / scholarships.gov.in
	+	* Official portal: [[https://yet.nta.ac.in\|https://yet.nta.ac.in]]
	+
	+	==== 8. AICTE Pragati Scholarship for Girls ====
	+	Rs 30,000/year for girl students in technical education. Family income < Rs 8L. 5,000 selections/year.
	+
	+	* Where to apply: AICTE portal
	+	* Official portal: [[https://www.aicte-pragati-saksham-gov.in\|https://www.aicte-pragati-saksham-gov.in]]
	+
	+	==== 9. Inspire Scholarship (Science) ====
	+	Rs 80,000/year for science stream students (B.Sc/Int M.Sc). Top 1% in 12th. 10,000 selections/year.
	+
	+	* Where to apply: Inspire portal
	+	* Official portal: [[https://www.online-inspire.gov.in\|https://www.online-inspire.gov.in]]
	+
	+	==== 10. National Means-cum-Merit Scholarship (NMMS) ====
	+	Class 8 to 12. Rs 12,000/year. State exam cleared. Income < Rs 3.5L. State-administered.
	+
	+	* Where to apply: State Education Dept
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 11. UDAAN (CBSE for girls in JEE prep) ====
	+	Free coaching + online + offline for girls preparing JEE. SC/ST/Minority/EWS. CBSE-administered.
	+
	+	* Where to apply: CBSE Udaan portal
	+	* Official portal: [[https://cbseacademic.nic.in/udaan.html\|https://cbseacademic.nic.in/udaan.html]]
	+
	+	==== 12. PM Vidya Lakshmi (%%DigiLocker%%) ====
	+	Digital education loan certificate via %%DigiLocker%%. Single-window education loan EAS-based.
	+
	+	* Where to apply: %%DigiLocker%%
	+	* Official portal: [[https://digilocker.gov.in\|https://digilocker.gov.in]]
	+
	+	===== How to apply (general process) =====
	+	NSP for scholarships, Vidya Lakshmi for loans, sector-specific portals (Inspire, AICTE, SWAYAM) for niche. Common docs: Aadhaar, caste/income/disability cert, marksheet, fee receipt, bank account.
	+
	+	===== Helplines =====
	+	* Student helpline 0120-6619540 (NSP) — 9 AM-9 PM
	+	* Education Ministry CPGRAMS — pgportal.gov.in
	+	* State Education Dept helpdesks — vary by state
	+
	+	===== Common issues + how to handle =====
	+	* Multiple scholarships claimed — NSP auto-blocks duplicates; only one scheme per year DBT.
	+	* Caste/income cert expired — must be current FY. Re-apply at Tehsildar.
	+	* Bank Aadhaar de-linked — DBT bounces. Visit bank for NPCI mapper.
	+	* IV verifier didn't act — escalate to Principal + DNO. Most "rejections" are IV pending.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:rti-for-scholarship-status\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Can I apply for NSP + state scholarship? ====
	+	Yes — NSP allows registration for both. Disbursal under one scheme per year (whichever higher).
	+
	+	==== Education loan — collateral mandatory? ====
	+	Up to Rs 7.5L: no collateral. Above: collateral or co-borrower (parent). PSU banks more flexible than private.
	+
	+	==== Inspire Scholarship — only science stream? ====
	+	Yes — B.Sc / Integrated M.Sc. Engineering / medicine excluded.
	+
	+	==== SWAYAM credits — recognised by my college? ====
	+	Most universities accept SWAYAM credits up to 20% of degree. Check with your university.
	+
	+	==== Scholarship delayed > 90 days. Fix? ====
	+	File RTI to Institution + DNO + State Nodal. Use our [[:rti-for-scholarship-status\|scholarship RTI generator]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience students schemes welfare government-india}}

Government schemes for women in India — complete list (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 14:49:16 +0000

2026/05/03 11:03	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(schemes for women, women government schemes india, women welfare scheme, mahila yojana, beti bachao, ujjwala)
	+	metatag-description=(Complete list of central + state schemes for women in India. Education, health, financial inclusion, safety, entrepreneurship. With eligibility, portal, fee details.)
	+	}}

	+	====== Government schemes for women in India — complete list (2026) ======
	+
	+	{{ :social:auto:audience-women.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: India has 40+ central schemes for women spanning education (Beti Bachao), health (PMMVY maternity benefit), financial inclusion (Sukanya Samriddhi, Mahila Samman), safety (One-Stop Centre), entrepreneurship (Stand-Up India, Mahila E-Haat), and pension (Vandana Yojana). State schemes add another 100+. Most are fully online + free. Aadhaar + bank account in own name is the gateway to all DBT-based women's schemes.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Women, generally Indian citizens. Some schemes age-specific (girl child <18 for SSY, expectant mothers for PMMVY). EWS/SC/ST often have higher subsidies.
	+
	+	===== Top 10 schemes =====
	+
	+	==== 1. Sukanya Samriddhi Yojana (SSY) ====
	+	Tax-free savings for girl child (<10 years). 8.2% interest (FY 2025-26). Open at any bank/post office. Min Rs 250/yr, max Rs 1.5L/yr.
	+
	+	* Where to apply: India Post / banks
	+	* Official portal: [[https://www.indiapost.gov.in/Financial/Pages/Content/SSA.aspx\|https://www.indiapost.gov.in/Financial/Pages/Content/SSA.aspx]]
	+
	+	==== 2. Pradhan Mantri Matru Vandana Yojana (PMMVY) ====
	+	Rs 5,000 for first child (Rs 5,000 in 2 instalments) + Rs 6,000 if 2nd child is girl. Pregnant + lactating mothers. Apply at Anganwadi.
	+
	+	* Where to apply: Anganwadi / pmmvy.wcd.gov.in
	+	* Official portal: [[https://wcd.nic.in/schemes/pradhan-mantri-matru-vandana-yojana\|https://wcd.nic.in/schemes/pradhan-mantri-matru-vandana-yojana]]
	+
	+	==== 3. Pradhan Mantri Ujjwala Yojana (PMUY) ====
	+	Free LPG connection for women in BPL families. Refill subsidy Rs 200/cylinder for 12 cylinders/year. Apply at LPG distributor.
	+
	+	* Where to apply: LPG distributor / pmuy.gov.in
	+	* Official portal: [[https://www.pmuy.gov.in\|https://www.pmuy.gov.in]]
	+
	+	==== 4. Beti Bachao Beti Padhao (BBBP) ====
	+	Awareness + scholarship + financial literacy for girl child. State-implemented. Linked to SSY + PMMVY + scholarships.
	+
	+	* Where to apply: District Collector office
	+	* Official portal: [[https://wcd.nic.in/bbbp-schemes\|https://wcd.nic.in/bbbp-schemes]]
	+
	+	==== 5. Stand-Up India ====
	+	Loan Rs 10L–Rs 1Cr for women entrepreneur for greenfield enterprise. 75% loan + 25% margin. SC/ST entrepreneurs also eligible. Banks via standupmitra.in.
	+
	+	* Where to apply: Standup Mitra / banks
	+	* Official portal: [[https://www.standupmitra.in\|https://www.standupmitra.in]]
	+
	+	==== 6. Mahila Samman Savings Certificate (MSSC) ====
	+	Tax-free savings for women. 7.5% interest. Tenure 2 years. Min Rs 1,000, max Rs 2L. Closed for new from March 2025 — check status.
	+
	+	* Where to apply: India Post
	+	* Official portal: [[https://www.indiapost.gov.in/Financial/Pages/Content/Mahila-Samman.aspx\|https://www.indiapost.gov.in/Financial/Pages/Content/Mahila-Samman.aspx]]
	+
	+	==== 7. One-Stop Centre (Sakhi) ====
	+	Integrated support for women affected by violence — medical, legal, psychological, shelter. Free. 24x7. 700+ centres.
	+
	+	* Where to apply: Helpline 181 / nearest OSC
	+	* Official portal: [[https://wcd.nic.in/schemes/one-stop-centre-scheme\|https://wcd.nic.in/schemes/one-stop-centre-scheme]]
	+
	+	==== 8. Mahila Shakti Kendra ====
	+	Block-level women empowerment + legal aid + skill training. State-implemented. Free.
	+
	+	* Where to apply: District Women & Child Development
	+	* Official portal: [[https://wcd.nic.in/schemes/mahila-shakti-kendra\|https://wcd.nic.in/schemes/mahila-shakti-kendra]]
	+
	+	==== 9. Working Women Hostel ====
	+	Subsidised hostel + day care for working women in cities. State + central scheme.
	+
	+	* Where to apply: State Women & Child Development
	+	* Official portal: [[https://wcd.nic.in/schemes/working-women-hostel\|https://wcd.nic.in/schemes/working-women-hostel]]
	+
	+	==== 10. Vandana Yojana ====
	+	Pension for elderly women — state + central versions. NSAP-IGNWPS Rs 300-500/month for widows + 60+.
	+
	+	* Where to apply: Block Development Office
	+	* Official portal: [[https://nsap.nic.in\|https://nsap.nic.in]]
	+
	+	===== How to apply (general process) =====
	+	Most schemes apply via state e-District portal OR sector-specific portal (PMMVY, Standup Mitra, Ujjwala). Common: Aadhaar + bank account in own name + ID + photograph.
	+
	+	===== Helplines =====
	+	* Women Helpline 181 — 24x7 free counselling + connect to schemes
	+	* OSC / Sakhi — visit nearest One-Stop Centre
	+	* National Commission for Women (NCW) — ncw.nic.in / 7827-170-170
	+
	+	===== Common issues + how to handle =====
	+	* Bank account in husband's name only — open own account first; most DBT schemes fail without it.
	+	* Aadhaar address ≠ current — update Aadhaar to current; many schemes verify.
	+	* Multiple PMMVY claims — only first child eligible (with 2nd-girl bonus). Don't double-apply.
	+	* Stand-Up India loan rejection — bank flexibility low; try multiple banks; SLBC coordinator.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Which schemes can a woman apply on her own (without male guardian)? ====
	+	All — Aadhaar + own bank account is sufficient. SSY for girl child requires guardian, but funds in girl's name.
	+
	+	==== PMMVY only for first child? What if second is girl? ====
	+	First child: Rs 5,000. Second child if girl: additional Rs 6,000.
	+
	+	==== Mahila Samman Savings closed — alternatives? ====
	+	SSY (8.2%) for girl child; PPF (7.1%) for own. Both tax-free.
	+
	+	==== I lost my Ujjwala connection card. Re-issue? ====
	+	Free re-issue at LPG distributor with Aadhaar + UCN.
	+
	+	==== Scheme delayed beyond timeline? ====
	+	File RTI to scheme nodal officer + State Women & Child Development. Use [[:citizen-rti-playbook\|RTI Playbook]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 10 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience women schemes welfare government-india}}

Government schemes for MSME entrepreneurs in India (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:37 +0000

2026/05/03 11:03	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(msme schemes india, mudra loan, stand up india, pmegp, gem portal, msme registration scheme, startup india)
	+	metatag-description=(Complete list of central + state schemes for MSME entrepreneurs. Mudra (loan up to Rs 10L), Stand-Up India (Rs 10L-1Cr for SC/ST/women), PMEGP (margin money).)
	+	}}

	+	====== Government schemes for MSME entrepreneurs in India (2026) ======
	+
	+	{{ :social:auto:audience-msme-entrepreneurs.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: Indian MSMEs have 40+ central schemes plus 100+ state schemes. Credit (Mudra Rs 10L, Stand-Up India Rs 10L-1Cr, PMEGP, MSME Champions); Markets (%%GeM%% portal — 1.4 lakh sellers, MSE-Procurement Policy 25% reservation); Quality (ZED certification, Lean Manufacturing); Technology (%%TReDS%%, Digital MSME); Infra (CGSSI guarantee, MSE-CDP cluster development); Skill (PMKVY, NSDC). Udyam Registration is the gateway — required for all benefits.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian MSME (Micro/Small/Medium per Udyam Registration). Some schemes: women / SC / ST / specific sectors get higher subsidies.
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. Udyam Registration (MSME) ====
	+	Free MSME registration — gateway to all benefits. Auto-classification based on investment + turnover. Aadhaar + PAN + GSTIN.
	+
	+	* Where to apply: Udyam portal
	+	* Official portal: [[https://udyamregistration.gov.in\|https://udyamregistration.gov.in]]
	+
	+	==== 2. Pradhan Mantri Mudra Yojana (PMMY) ====
	+	Loan up to Rs 10L for non-corporate, non-farm small enterprise. Three tiers: Shishu (≤Rs 50K), Kishor (Rs 50K-5L), Tarun (Rs 5-10L). No collateral.
	+
	+	* Where to apply: Mudra portal / banks
	+	* Official portal: [[https://www.mudra.org.in\|https://www.mudra.org.in]]
	+
	+	==== 3. Stand-Up India ====
	+	Loan Rs 10L-1Cr for women + SC/ST entrepreneurs for greenfield enterprise. 75% loan + 25% margin. Portal connects banks.
	+
	+	* Where to apply: Standup Mitra
	+	* Official portal: [[https://www.standupmitra.in\|https://www.standupmitra.in]]
	+
	+	==== 4. Prime Minister's Employment Generation Programme (PMEGP) ====
	+	Margin money subsidy 15-35% on bank loan up to Rs 50L (manufacturing) / Rs 20L (service). KVIC / state nodal.
	+
	+	* Where to apply: KVIC PMEGP portal
	+	* Official portal: [[https://www.kviconline.gov.in/pmegp\|https://www.kviconline.gov.in/pmegp]]
	+
	+	==== 5. Government e-Marketplace (%%GeM%%) ====
	+	B2G e-procurement platform — 1.4 lakh MSME sellers. 25% procurement from MSEs (4% for SC/ST). Free registration.
	+
	+	* Where to apply: %%GeM%% portal
	+	* Official portal: [[https://gem.gov.in\|https://gem.gov.in]]
	+
	+	==== 6. ZED Certification (Zero Defect Zero Effect) ====
	+	50-80% subsidy on certification fee (Rs 8K-50K). Quality + sustainability. Bronze/Silver/Gold tiers. MSME ministry.
	+
	+	* Where to apply: ZED portal
	+	* Official portal: [[https://www.zed.org.in\|https://www.zed.org.in]]
	+
	+	==== 7. Credit Guarantee Scheme for MSEs (CGTMSE) ====
	+	Govt guarantees collateral-free loan up to Rs 5Cr. Reduced fee for women/NER/SC/ST. CGTMSE-empanelled banks.
	+
	+	* Where to apply: CGTMSE portal
	+	* Official portal: [[https://www.cgtmse.in\|https://www.cgtmse.in]]
	+
	+	==== 8. MSME Champions Portal ====
	+	Single-window grievance + scheme converger for MSMEs. Real-time tracking.
	+
	+	* Where to apply: MSME Champions
	+	* Official portal: [[https://champions.gov.in\|https://champions.gov.in]]
	+
	+	==== 9. %%TReDS%% (Trade Receivables Discounting) ====
	+	MSME bills discounting platform. Fast cash flow against approved invoices. RXIL, Mynd, A.%%TReDS%%.
	+
	+	* Where to apply: RBI-licensed %%TReDS%%
	+	* Official portal: [[https://m1xchange.com\|https://m1xchange.com]]
	+
	+	==== 10. Lean Manufacturing Competitiveness Scheme ====
	+	80% subsidy on Lean consultancy for SMEs. ~Rs 36L per cluster.
	+
	+	* Where to apply: NPC + State Nodal
	+	* Official portal: [[https://www.npcindia.gov.in/lean-manufacturing\|https://www.npcindia.gov.in/lean-manufacturing]]
	+
	+	==== 11. Procurement & Marketing Support (PMS) ====
	+	Subsidy on participation in trade fairs (domestic 50%, international 75%). MSME Ministry.
	+
	+	* Where to apply: MSME Ministry
	+	* Official portal: [[https://msme.gov.in\|https://msme.gov.in]]
	+
	+	==== 12. NSIC Schemes (for SSI) ====
	+	Single-Point Registration (SPRS), raw material assistance, marketing support, performance bank guarantee.
	+
	+	* Where to apply: NSIC portal
	+	* Official portal: [[https://www.nsic.co.in\|https://www.nsic.co.in]]
	+
	+	===== How to apply (general process) =====
	+	Most schemes need Udyam Registration first. Aadhaar + PAN + GSTIN + bank account in entity name. Branch banking (PSU > private) for MSME-friendly servicing.
	+
	+	===== Helplines =====
	+	* MSME Champions Helpdesk — champions.gov.in
	+	* MSME Ministry CPGRAMS — pgportal.gov.in → MSME
	+	* SLBC (State-Level Bankers Committee) — banking issues
	+
	+	===== Common issues + how to handle =====
	+	* Bank refusing Mudra loan — try multiple banks; SLBC coordinator if blocked.
	+	* ZED certification rejected — re-apply after addressing audit observations.
	+	* %%GeM%% seller-rating low — improve TAT + quality; affects procurement.
	+	* %%TReDS%% bills rejected — buyer (corporate) didn't approve. Direct follow-up.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Mudra loan denied — multiple banks. Why? ====
	+	Common: poor business plan, low credit score, no collateral assets even for collateral-free. SLBC coordinator helps.
	+
	+	==== Udyam vs Udyog Aadhaar — same? ====
	+	Udyam = updated name (since July 2020). Udyog Aadhaar holders auto-migrated.
	+
	+	==== %%GeM%% — eligible without Udyam? ====
	+	Yes for any seller. But MSME benefits (25% reserve) need Udyam.
	+
	+	==== Stand-Up India — only for women/SC/ST? ====
	+	Yes — for them + greenfield enterprise. General entrepreneurs use Mudra / PMEGP.
	+
	+	==== Scheme delayed > 60 days. Fix? ====
	+	File RTI to scheme nodal + MSME Champions. CPGRAMS parallel.
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience msme-entrepreneurs schemes welfare government-india}}