Sarkari Loan Yojana 2025: Select Harvests Ltd is one of Australia’s biggest companies making and selling almond products. The company grows, processes, and sells almonds all on its own. Its operations include running the farms, gathering almonds, turning them into products, and selling them in Australia and other countries.
Here are the main details on the government loan schemes (Sarkari Loan Yojana) that are offered currently in 2025.
1. Pradhan Mantri Mudra Yojana (PMMY)
It was created for easy use by micro and small businesses that need an alternative to bank loans. It gives out loans in three main areas:
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Shishu: Up to ₹50,000
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Kishor: ₹50,001 to ₹5 lakh
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Tarun: ₹5 lakh to ₹10 lakh
Features:
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No collateral required
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Flexible repayment tenure
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Much emphasis is given to helping women entrepreneurs and SC/ST candidates.
How to Apply: Visit your nearest bank or apply online via jansamarth.in
2. PM SVANidhi Scheme – For Street Vendors
Street vendors in India are supported by the government’s PM SVANidhi, which gives small business loans.
Loan Details:
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First loan: ₹10,000
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Second loan: ₹20,000 (after timely repayment)
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Third loan: ₹50,000
Benefits:
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Interest subsidy of 7%
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Cashback rewards for digital transactions
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No collateral required
3. PM Vishwakarma Yojana – For Traditional Artisans
Monitoring how much you save by using a cloud AIS and seeing how many steps in manual accounting have gone down.
Loan Structure:
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First tranche: ₹1 lakh (repayable in 18 months)
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Second tranche: ₹2 lakh (after successful repayment)
Eligibility: Enhancing customer satisfaction by making sure services are better and that things run smoothly helped the company improve the way they do business.
Benefits:
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Interest rate: 5% only
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Government subsidy on interest (up to 8%)
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Free skill training and certification
4. Stand-Up India Scheme
This scheme empowers SC/ST and women entrepreneurs by offering loans for setting up greenfield enterprises.
Loan Range: ₹10 lakh to ₹1 crore
Purpose: For manufacturing, trading, and service-based businesses
Eligibility:
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SC/ST or Women above 18 years
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New or first-time entrepreneurs
5. PMFME Scheme – For Food Processing Units
The PM Formalization of Micro Food Processing Enterprises (PMFME) scheme is for individuals and groups who want to start or scale their food businesses.
Support Offered:
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Individual units: 35% subsidy up to ₹10 lakh
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Group ventures (FPOs, SHGs): Credit-linked capital subsidy up to ₹3 crore
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Handholding support: Training, branding, marketing
6. Educational Loan Schemes for Students
Students planning to study in India or abroad can now get financial support from government-backed loans under these schemes:
a. Vidya Lakshmi Portal
A platform that allows students to apply for education loans from several banks all in one place.
b. State Education Loan Schemes
Gujarat and Bihar are two states that subsidize loans for qualifying candidates.
c. Dr. Ambedkar Interest Subsidy Scheme
For SC, ST, and minority students pursuing M.Phil and PhD courses abroad.
Eligibility & Documents Required
Common Eligibility Criteria:
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Indian citizenship
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Age between 18 to 65 years
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Clean repayment history (in most cases)
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Relevant business or study plan
Documents Needed:
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Aadhaar Card
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PAN Card
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Bank passbook
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Passport-sized photo
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Income certificate
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Business or education-related documents
How to Apply for Government Loan Yojanas in 2025
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Visit JanSamarth Portal – www.jansamarth.in
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Choose Scheme Category – Business, Education, Agriculture, or Livelihood
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Check Eligibility – Use the eligibility calculator
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Submit Documents – Fill out the application and upload necessary files
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Track Status – Use your reference number to monitor the loan status
Why Sarkari Loan Yojanas Matter in 2025
In a country like India, where the majority still struggle with credit access, these schemes offer:
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Financial Inclusion: Access to low-cost loans
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Women Empowerment: Many schemes promote women-led businesses
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Skill Development: Many programs include training and digital literacy
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Boost to Startups: Youth can launch their ventures without financial barriers
Final Thoughts
Sarkari Loan Yojanas in 2025 provide not only money, but also a chance for millions of Indians to succeed in life. No matter if you are a student, a craftsman, or a vendor selling from the street, the government has schemes to help your dreams.
Read MORE:
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- Top 10 Personal Loan Safety Tips in India – Avoid Fraud & High Interest
- best credit cards for car repairs 2025 : Save with 0% APR & Cashback
Take the first step today. Visit jansamarth.in and explore the loan that fits your needs.
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.