🌱 Self-Employment & MSME Support
উদ্যম — Build Your Own Livelihood
From Udyam registration to central and state loans, subsidies and training — everything you need to start or grow your own business, in one place.
🪪 Udyam (MSME) Registration — the first step
Udyam is the government of India's free MSME registration. It unlocks priority-sector loans, subsidies, tender benefits and delayed-payment protection. The whole process is online and needs only an Aadhaar and PAN — never pay an agent.
- 1Go to the official portaludyamregistration.gov.in — the only genuine site. Registration is completely free of cost.
- 2Aadhaar + PAN readyAadhaar of the owner, PAN of the business/owner and a mobile linked to Aadhaar for OTP.
- 3Fill business detailsName, type (proprietorship/partnership/company), bank account and a short description of activity.
- 4Get the Udyam certificateA permanent registration number (Udyam Reg. No.) is issued instantly — download and keep the PDF.
⚠️ Registration is FREE on the official portal. Websites charging ₹500–₹2,000 "registration fees" are private agents, not the government.
🇮🇳 Central government schemes
PMEGP
Credit-linked subsidy for new micro-enterprises — up to ₹50 lakh projects; 15–35% margin-money subsidy based on category and location. Apply via the national credit portal or the district DIC/KVIC office.
jansamarth.in (National credit portal) Apply →PM MUDRA Loan
Collateral-free loans for non-farm small business — Shishu (₹50k), Kishore (₹5 lakh), Tarun (₹10 lakh); Tarun Plus goes to ₹20 lakh for past Tarun repayers.
mudra.org.in Apply →PM Vishwakarma
For 18 traditional artisan trades (carpenter, tailor, blacksmith…): ₹15,000 toolkit e-reward, skill training with stipend and collateral-free enterprise loans up to ₹3 lakh.
pmvishwakarma.gov.in Apply →Stand-Up India
Bank loans of ₹10 lakh–₹1 crore for greenfield enterprises — at least one per SC/ST and one per woman borrower per bank branch.
standupmitra.in Apply →CGTMSE
Guarantee cover up to ₹5 crore on collateral-free business loans — banks lend confidently because the trust guarantees a large part of the loss.
cgtmse.in Apply →PM SVANidhi
Working-capital loans for street vendors — ₹10k → ₹20k → ₹50k progressive credit with interest subsidy on digital transactions.
pmsvanidhi.mohua.gov.in Apply →🐅 West Bengal government schemes
Karma Sathi Prakalpa
West Bengal soft loans up to ₹2 lakh for new projects of unemployed youth — with a 15% subsidy (max ₹25,000); disbursed as cash credit in two installments.
wbmsme.gov.in Apply →Bhabishyat Credit Card
Collateral-free credit up to ₹5 lakh for micro & small enterprises and individual businesses through cooperative banks and NBFCs.
wbmsme.gov.in Apply →Swanirbhar Karma Santan Prakalpa (SKSP)
Bank-backed projects from ₹50,000–₹25 lakh for tiny/tiny+ small industrial and service units, with state interest support.
wbmsme.gov.in Apply →MSME Incentive Schemes (WB)
Capital investment subsidy, power-tariff and stamp-duty benefits for manufacturing MSMEs setting up in West Bengal under the state MSME policy.
wbmsme.gov.in Apply →🎓 Training & job-creation support
RSETI / RUDSETI training
Free residential entrepreneurship training (1–6 weeks) run by banks — agriculture, retail, services; helps in getting scheme loans.
RSETI/RUDSETI Apply →Skill India (PMKVY)
Short-term skill courses with certification and placement support across sectors — free for eligible candidates.
pmkvyofficial.org Apply →ℹ️ Verify eligibility and current guidelines on the official portal before applying — schemes revise terms periodically.
📖 Detailed guides
Step-by-step Bengali guides for every scheme — eligibility, documents, application and status.
CGTMSE Loan 2026
The CGTMSE guarantee limit has been raised from ₹5 crore to ₹10 crore (effective 1 April 2025). New Annual Gua…
Read guide →📖 পূর্ণ গাইডCLCSS Subsidy 2026
CLCSS (Credit Linked Capital Subsidy Scheme) offers a 15% subsidy on machinery purchases, up to ₹15 lakh. Elig…
Read guide →📖 পূর্ণ গাইডHow to Write a Project Report (DPR) for a Bank Loan
What a Detailed Project Report (DPR) is, the 12 sections banks look at, how to prepare financial projections a…
Read guide →📖 পূর্ণ গাইডHeavy Equipment Loans 2026
How much down payment on an excavator/JCB loan, rice mill machinery subsidies, commercial vehicle finance rule…
Read guide →📖 পূর্ণ গাইডGST Return Filing for Small Businesses 2026
A complete guide to GST return filing for small businesses — GSTR-1, GSTR-3B, CMP-08, the QRMP scheme, deadlin…
Read guide →📖 পূর্ণ গাইডTrade Licence Renewal Online in West Bengal 2026
How to renew a Trade Licence (Certificate of Enlistment) online in West Bengal — portals of municipalities/cor…
Read guide →📖 পূর্ণ গাইডUdyam Registration Benefits and Loan Subsidy 2026
Which government loans, subsidies and benefits a Udyam registration number unlocks — MUDRA, PMEGP, CGTMSE, int…
Read guide →📖 পূর্ণ গাইডBhabishyat Credit Card 2026
West Bengal's Bhabishyat Credit Card scheme offers collateral-free loans up to ₹5 lakh for micro and small ent…
Read guide →📖 পূর্ণ গাইডCollateral-Free Business Loans 2026
Government routes to a business loan without collateral or guarantor — a comparison of MUDRA, CGTMSE, Vishwaka…
Read guide →📖 পূর্ণ গাইডHome-Based Business 2026
25 profitable ideas for starting a home-based business — food, tailoring, digital services, dairy and more — w…
Read guide →📖 পূর্ণ গাইডKarma Sathi Prakalpa 2026
West Bengal government's Karma Sathi Prakalpa offers unemployed youth soft loans up to ₹2 lakh and a 15% subsi…
Read guide →📖 পূর্ণ গাইডMUDRA Loan 2026
What is MUDRA loan (PM MUDRA), Shishu-Kishore-Tarun-Tarun Plus categories, how to apply without collateral, do…
Read guide →📖 পূর্ণ গাইডMUDRA Loan Status Check 2026
How to check MUDRA loan status online, what to do if your application is stuck, tracking applications on udyam…
Read guide →📖 পূর্ণ গাইডPM Vishwakarma 2026
Under the PM Vishwakarma scheme, ₹15,000 toolkit e-reward for 18 traditional artisan trades, training with a ₹…
Read guide →📖 পূর্ণ গাইডPMEGP Scheme 2026
Under PMEGP, a 15–35% margin money subsidy on projects up to ₹50 lakh (manufacturing) and ₹20 lakh (service). …
Read guide →📖 পূর্ণ গাইডStand-Up India 2026
Stand-Up India offers bank loans of ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs — eligibility, gree…
Read guide →📖 পূর্ণ গাইডUdyam Registration 2026
What Udyam registration is, how to do it online for free from home, what documents are needed, what the benefi…
Read guide →❓ Common questions
Is Udyam registration compulsory to get these loans?
Not always, but most MSME benefits — Mudra, CGTMSE, state subsidies and tender preference — expect you to have a Udyam registration number. It is free and takes minutes, so register first.
Do I need a trade licence or GST to register on Udyam?
Basic Udyam registration needs only Aadhaar and PAN. Depending on your business type you may later need a trade licence from your municipality/panchayat and GST (mandatory above the turnover threshold).
What does the Mudra loan cost — is there any fee?
The government charges nothing. Banks may apply their normal processing charges on Kishore/Tarun loans; Shishu loans are often free. Anyone promising a Mudra loan for an upfront "commission" is a fraud.
I have no collateral or guarantor — can I still get a loan?
Yes. Mudra loans, PM Vishwakarma loans and CGTMSE-guaranteed loans are specifically designed to be collateral-free. Your project report, credit history and business viability matter most.
🧰 Useful tools on BanglaInfo
Scheme details last verified September 2026. Government schemes revise amounts and eligibility — always confirm on the official portal listed for each scheme before applying.