ಎಂಎಸ್ಎಂಇ ನೋಂದಣಿ ಮತ್ತು ಸಾಲ, ಬೆಂಗಳೂರು
MSME Udyam registration and government business loans
Get your Udyam certificate for ₹500, then find out which government loan schemes and subsidies your business qualifies for. We prepare the project report and documents, and follow up with the bank.
Which loan schemes can you get?
Answer four quick questions. Free, no sign-up.
1. Your business is…- You pay
- Govt subsidy
- You repay
The subsidy is kept by the bank for a lock-in period and then adjusted against your loan, so you repay less. Estimate only; the bank decides the final amount.
Free eligibility check. Banks decide loans; we help you apply correctly.
What is MSME Udyam registration?
Udyam is the Government of India's official registration for micro, small and medium enterprises. It gives your business a permanent Udyam number and certificate, which banks and government departments use to give you MSME benefits.
- One-time registration. The certificate doesn't need renewal. You only update details when your business changes.
- For every kind of business. Proprietors, partnerships, LLPs and companies; manufacturing, services and trading.
- Aadhaar-based and paperless. Filed online with the owner's Aadhaar and the business PAN.
- Right NIC codes matter. A wrong activity code can block loans and tenders later. We choose the correct codes for you.
Micro, small or medium?
Limits in force from 1 April 2025. Your business must be within both limits.
Most shops, home businesses, restaurants, agencies and small factories in Bengaluru are micro enterprises.
How Udyam registration helps your business
A ₹500 registration that opens the door to cheaper credit, faster payments and government business.
Loans without collateral
Micro and small enterprises can get bank loans backed by the CGTMSE guarantee instead of pledging property.
Government subsidies
Udyam is needed for PMEGP margin-money subsidy and most central and state support schemes.
Get paid within 45 days
Buyers must pay registered micro and small suppliers within 45 days. Late payers owe compound interest at three times the RBI bank rate and lose their tax deduction until they pay.
Government tenders
Registered micro and small enterprises get preference in public procurement and are usually exempt from tender earnest money deposits.
Priority bank lending
MSME loans fall under priority sector lending, so banks are encouraged to lend to you.
Proof your business is real
A government certificate helps when you open a current account, apply for a payment gateway or deal with large clients.
Government loan schemes and subsidies for MSMEs
The main schemes Bengaluru businesses use in 2026. We help you pick the right one, prepare the papers and apply through the official portal and your bank.
PMEGP
Subsidy up to 35%Prime Minister's Employment Generation Programme
- For
- New micro-enterprises only
- Project cost
- Up to ₹50 lakh (manufacturing), ₹20 lakh (service/business)
- Subsidy
- General: 15% city, 25% rural. Special category (women, SC/ST, OBC, minorities and others): 25% city, 35% rural
- You pay
- 10% (general) or 5% (special category)
Example: a woman starting a ₹10 lakh service unit in Bengaluru city pays ₹50,000, gets ₹2.5 lakh subsidy, and takes a ₹9.5 lakh bank loan.
PM Mudra Yojana
Up to ₹20 lakhCollateral-free loans for small non-farm businesses
*Tarun Plus is for borrowers who have repaid an earlier Tarun loan. Works for new and running businesses. Interest is set by the bank.
CGTMSE
Up to ₹10 croreCredit guarantee for micro and small enterprises
- For
- New and running micro and small enterprises
- What it does
- Guarantees your bank loan so you don't need property as security
- Limit
- Loans up to ₹10 crore per borrower
- Cost
- A small yearly guarantee fee, usually added by the bank
Stand-Up India
Women · SC/STBank loans for new enterprises by women and SC/ST entrepreneurs
- For
- Women (any community) and SC/ST entrepreneurs, aged 18+
- Loan
- ₹10 lakh to ₹1 crore
- Business
- New (greenfield) manufacturing, services, trading or agri-allied
Udyogini (Karnataka)
WomenKarnataka State Women's Development Corporation
- For
- Women in Karnataka within the family income limit
- Loan
- Up to ₹3 lakh for small businesses like tailoring, food, retail and beauty services
- Subsidy
- Part of the loan is covered by a state subsidy, higher for SC/ST women
Before you apply
- Banks and government agencies decide every loan. Nobody can guarantee approval.
- Government schemes like CGTMSE don't appoint agents. Avoid anyone asking for money to "arrange" a sanctioned loan.
- Udyam registration is free on the government portal. Our ₹500 is for filing it correctly for you.
How Raj Registry works
From Udyam certificate to loan sanction, one team handles the paperwork.
Free check on WhatsApp
Tell us your business and how much you need. We tell you which schemes fit.
Udyam registration
We file your Udyam with the correct activity codes and send the certificate.
Project report
We prepare a bank-ready project report with costs, sales and a 3–5 year forecast.
Apply and follow up
We apply on the official portal, help you pick the bank and answer bank queries until sanction.
For Udyam registration
- Owner's Aadhaar (with mobile linked)
- PAN of the business or proprietor
- Bank account details
- GST number, if you have one
For a loan application
- Udyam certificate
- KYC and address proof
- Last 6–12 months' bank statements
- Quotations for machinery or setup
- ITR (for running businesses)
MSME and loan questions
How much does Udyam registration cost with Raj Registry?
₹500. Registration itself is free on the government portal; our fee covers filing it correctly, choosing the right activity codes and sending you the certificate.
Do I need to renew my Udyam certificate?
No. Udyam registration doesn't expire. You only update it if your business details, investment or turnover change.
Can a home business or shop register as an MSME?
Yes. Home food businesses, shops, service providers, agencies and small factories can all register. Most qualify as micro enterprises.
Which loan scheme is best for a new business?
For a new unit up to ₹50 lakh (manufacturing) or ₹20 lakh (service), PMEGP is usually best because of its 15–35% subsidy. For smaller amounts, Mudra is simpler. Women and SC/ST founders needing ₹10 lakh to ₹1 crore can also look at Stand-Up India.
Can you guarantee my loan will be approved?
No. Banks decide every loan based on your project, documents and credit history. We improve your chances by preparing a clear project report and complete documents, and by applying to the right scheme.
What happens if a customer doesn't pay me on time?
If you're a registered micro or small enterprise, buyers must pay within 45 days. Late payers owe compound interest at three times the RBI bank rate, and you can file a delayed-payment case on the Ministry of MSME's online portal.
Find out which loan you qualify for
Send us your business idea on WhatsApp. We'll tell you the right scheme, the documents and the full cost, free.