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Prime Minister's Employment Generation Programme (PMEGP)

प्रधानमंत्री रोजगार सृजन कार्यक्रम

PMEGP — Nayi micro unit ke liye credit-linked margin money subsidy — General: Urban 15%, Rural 25%; Special category: Urban 25%, Rural 35% (project cost par)

Seedha jawaab: Nayi micro unit ke liye credit-linked margin money subsidy — General: Urban 15%, Rural 25%; Special category: Urban 25%, Rural 35% (project cost par).

Vibhag: Sookshm, Laghu evam Madhyam Udyam Mantralaya (MSME), Bharat Sarkar — KVIC rashtriya nodal agency · Official portal: www.kviconline.gov.in/pmegpeportal/pmegphome/index.jsp · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

PMEGP nayi micro unit shuru karne ke liye bank loan ke saath sarkari subsidy jodne wali kendriya yojana hai. Manufacturing me adhiktam ₹50 lakh aur service/business me ₹20 lakh tak ke project par subsidy milti hai. Aapko apna hissa sirf 5% (special category) ya 10% (general) dena hota hai, baaki bank loan deta hai aur subsidy 3 saal baad loan me adjust hoti hai. Aavedan sirf KVIC ke PMEGP e-portal se hota hai aur unit bilkul nayi honi chahiye.

Kaun patr hai ✓

  • 18 saal se zyada umar ka koi bhi vyakti — aay ki koi seema (no income ceiling) nahi hai
  • Sirf bilkul nayi (new) micro unit ke liye — manufacturing ya service/business sector me viable project
  • Manufacturing project ₹10 lakh se zyada ho ya service project ₹5 lakh se zyada ho to kam se kam 8vi (VIII) pass hona zaroori hai; isse chhote project par ye shart nahi hai
  • Self Help Group (SHG), Societies Registration Act ke tahat panjikrit sanstha, production co-operative society aur charitable trust bhi patr hain
  • Special category me SC, ST, OBC, alpsankhyak, mahila, bhootpurva sainik, divyang, NER, pahaadi aur seema kshetra ke labharthi aate hain — inhe zyada subsidy aur sirf 5% apna yogdaan dena hota hai

Kaun patr NAHI hai ✗

  • Pehle se chal rahi (existing) unit ke liye pehla PMEGP loan nahi milta — sahayata sirf nayi unit ke liye hai (safal PMEGP/REGP/Mudra unit ke upgradation ke liye alag dusra loan uplabdh hai)
  • Jo unit pehle hi kisi kendra/rajya sarkari yojana ke tahat subsidy le chuki hai, wo PMEGP ke liye patr nahi hai
  • Negative list wali gatividhiyan — jaise nashili vastuon (beedi/pan/cigar/cigarette) aur maans se sambandhit vyavasay, fasal kheti (cultivation), polythene carry bag (20 micron se kam) banana aadi — patr nahi hain

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Project report taiyaar kareinSabse pehle apni nayi unit ka DPR banayein — kya banayenge/bechenge, kul lagat kitni hai (manufacturing ₹50 lakh, service ₹20 lakh ki seema ke andar), machine aur working capital ka hisab aur kitne logo ko rozgar milega. DPR kamzor ho to bank par aavedan rukta hai.
  2. PMEGP e-portal par online aavedan kareinKVIC ke PMEGP e-portal (kviconline.gov.in) par jaakar vyaktigat aavedan bharein. Aavedan karte samay karyanvayan agency chunein — KVIC, Rajya Khadi evam Gramodyog Board (KVIB) ya Jila Udyog Kendra (DIC). Dhyaan dein: KVIC/KVIB/DIC ka kaam aavedan ki janch aur sifarish hai, loan ka antim nirnay bank ka hota hai.
  3. Janch, task force aur bank ko bhejwanaAgency aavedan ki janch karke use bank ko bhejti hai. Bank project ki vyavaharyata (viability) aur aapki chukta-kshamta dekhkar loan sanction karta hai — bank finance aam taur par project cost ka 90% (general) ya 95% (special) tak hota hai.
  4. EDP training poori kareinLoan sanction ke baad aur paisa milne (disbursement) se pehle Entrepreneurship Development Programme (EDP) training anivarya hai — aam taur par ₹5 lakh tak ke project par 5 working days aur usse zyada par 10 working days. Pehle se kam se kam 2 saptah ki manya EDP/ESDP training kar chuke ho to dobara nahi karni padti.
  5. Apna yogdaan jama karein aur unit shuru kareinGeneral category ko project cost ka 10% aur special category ko 5% apna yogdaan dena hota hai. Iske baad bank loan deta hai. Sarkari subsidy (margin money) bank me aapke naam par 3 saal ke liye Term Deposit me rakhi jati hai aur unit ke safal chalne ki physical verification ke baad loan me adjust hoti hai — ye rakam haath me nakad nahi milti.

Status / kist kaise check karein

  1. PMEGP e-portal par e-trackingkviconline.gov.in ke PMEGP e-portal par aavedan ID se sthiti dekhi ja sakti hai — agency janch, bank ko bhejna aur sanction tak ke charan wahi dikhte hain. Vyavastha First-In-First-Served (FIFS) par chalti hai.
  2. Agency karyalaya seJis agency (KVIC / KVIB / DIC) ko aavedan bheja tha, uske jila karyalaya se bhi aavedan ki pragati jaan sakte hain.
  3. Bank shakha seBank ko aavedan milne ke baad loan sanction, EDP shart aur disbursement ki sthiti seedha sambandhit bank shakha se milegi.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (www.kviconline.gov.in/pmegpeportal/pmegphome/index.jsp) se karein.

Aksar puche jaane wale sawal (FAQ)

PMEGP me kitni subsidy milti hai?

Subsidy project cost ke pratishat me milti hai aur shreni + sthan par nirbhar hai — General category: Urban 15%, Rural 25%; Special category (SC/ST/OBC/alpsankhyak/mahila/bhootpurva sainik/divyang/NER/pahaadi): Urban 25%, Rural 35%. Misal: gramin kshetra me special category ke ₹20 lakh ke project par ₹7 lakh subsidy hogi. Ye KVIC ke aadhikarik scheme page par darj daren hain.

PMEGP me adhiktam kitne ka project laga sakte hain?

Vartaman seema: manufacturing sector me adhiktam ₹50 lakh aur service/business sector me adhiktam ₹20 lakh tak ke project par hi margin money subsidy milti hai. Project isse bada ho to adhik rakam par bank bina sarkari subsidy ke loan de sakta hai, lekin subsidy seema ke andar wale hisse par hi milegi. Zameen (land) ki keemat project cost me nahi gini jati.

Maharashtra CMEGP aur PMEGP me kya antar hai?

Aham antar teen hain: (1) PMEGP kendra sarkar ki yojana hai, pure Bharat me lagu hai aur KVIC chalata hai; CMEGP Maharashtra sarkar ki yojana hai, sirf Maharashtra ke niwasiyo ke liye hai. (2) PMEGP me umar sirf 18+ hai, koi upari seema nahi; CMEGP me umar seema 18–45 saal (special category ko chhoot) hai. (3) Dono me subsidy daren lagbhag ek jaisi (15%–35%) hain, lekin ek hi project par dono yojanaon ki subsidy ek saath nahi li ja sakti. Aavedan ke liye PMEGP ka portal kviconline.gov.in hai, CMEGP ka alag rajya portal hai.

Meri pehle se dukaan/unit chal rahi hai — kya mujhe PMEGP milega?

Nahi, pehli baar ka PMEGP labh sirf bilkul nayi unit ke liye hai. Jo unit pehle hi kisi sarkari yojana se subsidy le chuki hai, wo bhi patr nahi hai. Ek apvaad hai: jo PMEGP/REGP/Mudra unit pehla loan samay par chuka chuki ho aur safal chal rahi ho, use upgradation ke liye dusra loan mil sakta hai — manufacturing me ₹1 crore aur service me ₹25 lakh tak, 15% subsidy (NER/pahaadi rajyon me 20%) ke saath.

Kya PMEGP ke liye 8vi pass hona zaroori hai?

Har case me nahi. 8vi (VIII) pass ki shart sirf tab hai jab manufacturing project ₹10 lakh se zyada ka ho ya service project ₹5 lakh se zyada ka ho. Isse chhote project ke liye koi shaikshanik shart nahi hai (KVIC ke aadhikarik scheme page ke anusaar).

Subsidy ka paisa kab aur kaise milta hai? EDP training kya hai?

Subsidy nakad haath me nahi milti. Bank loan sanction hone par margin money aapke naam par bank me 3 saal ke liye Term Deposit me rakhi jati hai — is par byaj nahi milta aur loan ke utne hisse par byaj bhi nahi lagta. 3 saal baad unit ke chalne ki physical verification ke baad ye rakam loan me adjust ho jati hai. EDP (Entrepreneurship Development Programme) loan disbursement se pehle ki anivarya prashikshan hai — aam taur par 5 se 10 working days — jisme vyavasay chalane, bank prakriya aur lekha-jokha ki mool jankari di jati hai.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

Doston-parivaar ko bhejein

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PMEGP — WhatsApp share poster

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