MSMEMarg

Free tools

Know your numbers before you meet the bank

ಬ್ಯಾಂಕಿಗೆ ಹೋಗುವ ಮುನ್ನ — ನಿಮ್ಮ ಲೆಕ್ಕ ತಿಳಿಯಿರಿ

Five calculators built on the scheme rules. Move the sliders and see subsidy, loan and EMI change.

Calculator 1 of 5

PMEGP Subsidy Calculator

Your subsidy, own contribution and bank loan for a new unit.

Type of business
Your category
Unit location
₹25 lakh
₹2 lakh₹50 lakh

Machinery + building/shed + working capital for one cycle.

*Special category: SC/ST, OBC, minorities, women, ex-servicemen, transgender, divyang, NER, hill & border areas, aspirational districts.

Government subsidy (not repaid)
₹8.75 lakh

35% of project cost — you don't repay this

Your money · 5%Subsidy · 35%Loan you repay · 60%
Project cost₹25,00,000
Your contribution (5%)₹1,25,000
Bank loan sanctioned₹23,75,000
Subsidy adjusted after 3 yrs− ₹8,75,000
Loan you actually repay₹15,00,000
Get my PMEGP project report

Calculator 2 of 5

PMFME Food Unit Calculator

35% subsidy up to ₹10 lakh for food processing units.

What will you make?
₹15 lakh
₹2 lakh₹60 lakh

Machinery, technical civil work and equipment for your food unit.

How it works: 35% of the eligible project cost is given as credit-linked subsidy, up to ₹10 lakh per unit. You put in at least 10%, the bank gives the rest as loan.
Namkeen unit · Subsidy
₹5.25 lakh

35% of your eligible project cost

Your money · 10%Subsidy · 35%Loan you repay · 55%
Project cost₹15,00,000
Your contribution (10%)₹1,50,000
Bank loan₹13,50,000
Loan after subsidy₹8,25,000
Start my food unit application

Calculator 3 of 5

Business Loan EMI Calculator

Monthly EMI, total interest and year-by-year repayment.

₹20 lakh
₹1 lakh₹2 crore
10.50%
5.00%18.00%

MSME loans usually range from 8.5% to 14% depending on bank and profile.

7 yrs
1 yr10 yrs
What you pay each year
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Principal Interest
Monthly EMI
₹33,721

for 84 months

Principal 71%
Interest 29%
Loan amount₹20,00,000
Total interest₹8,32,593
Total you pay₹28,32,593

With PMEGP / PMFME subsidy, the subsidy amount is adjusted against this loan — your real repayment is lower.

Calculator 4 of 5

MSME Category Checker

Find your MSME category under the 2025 limits.

₹50 lakh
₹1 lakh₹200 crore

Original purchase value, excluding land & building.

₹2 crore
₹1 lakh₹800 crore

Export turnover is not counted.

CategoryInvestment up toTurnover up to
Micro₹2.5 crore₹10 crore
Small₹25 crore₹100 crore
Medium₹125 crore₹500 crore

Revised limits effective 1 April 2025.

Your enterprise is
Micro Enterprise
Micro
Small
Medium
Large
  • Mudra, PMEGP, PMFME & CGTMSE eligible
  • Highest guarantee cover & ZED subsidy (80%)
  • 45-day payment protection

Calculator 5 of 5

Mudra Loan Finder

Shishu, Kishore, Tarun or Tarun Plus — which one fits you.

₹3 lakh
₹20,000₹20 lakh
1
Shishu up to ₹50,000
Starting a small business — cart, tiffin service, tailoring unit
2
Kishore ₹50,000 – ₹5 lakh
Growing an existing shop or small unit
3
Tarun ₹5 lakh – ₹10 lakh
Machinery, expansion, a bigger setup
4
Tarun Plus ₹10 lakh – ₹20 lakh
Only for borrowers who fully repaid an earlier Tarun loan
You should apply for
Mudra Kishore

No collateral · No guarantor · Any bank, NBFC or MFI

Loan amount₹3,00,000
Approx. EMI (11%, 5 years)₹6,523
Collateral needed₹0
Apply for Mudra with us

Not sure which scheme you fit?

Answer 6 quick questions and see every scheme you may qualify for, with your estimated subsidy.

Take the eligibility check

All results are indicative estimates based on published scheme guidelines. Actual loan amount, interest rate and subsidy depend on the bank's appraisal and the implementing agency.

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