The Government of India has detailed several initiatives aimed at strengthening Micro, Small and Medium Enterprises by improving access to finance, ensuring timely payments, and accelerating technology adoption. These measures, announced in a written reply to the Rajya Sabha by Minister of State for MSMEs Sushri Shobha Karandlaje, span credit support, equity infusion, dispute resolution, and regulatory reforms.

Under the Credit Guarantee Scheme for Micro and Small Enterprises, an additional Rs 90 billion has been infused into the Credit Guarantee Fund Trust for MSEs, enabling an additional credit flow of Rs 2 trillion at reduced borrowing costs. From 1 April 2025, the guarantee ceiling has been raised from Rs 50 million to Rs 100 million, with guarantee coverage of up to 90 per cent across multiple loan categories.

The Prime Minister’s Employment Generation Programme continues to offer margin money subsidies of up to 35 per cent for new micro enterprises, with project limits of Rs 5 million in Manufacturing and Rs 2 million in Services. The PM Vishwakarma scheme, launched in September 2023, provides holistic support to artisans in 18 traditional trades, including loans of up to Rs 0.3 million with interest subvention of up to 8 per cent.

To support equity funding, the Self Reliant India Fund has been created with a total corpus of Rs 500 billion—comprising Rs 100 billion from the Centre and Rs 400 billion from private equity and venture capital sources. To address delayed payments, the SAMADHAAN Portal is monitoring pending dues, supported by 161 Micro and Small Enterprises Facilitation Councils. An Online Dispute Resolution Portal launched in June 2025 provides a fully digital mechanism for settling payment disputes.

The RBI’s framework for the Trade Receivables Discounting System enables MSMEs to access financing for receivables through multiple financiers. Five entities currently operate TReDS, and the monetary threshold for onboarding corporates and CPSEs has been reduced to a turnover of Rs 2.5 billion.

To promote technology upgradation, the Ministry is implementing schemes such as the MSE-Cluster Development Programme, Tool Rooms and Technology Centres, the Green Investment Financing for Transformation scheme, and the MSME Champions Scheme.

Regulatory and ease-of-doing-business measures include the Udyam Registration Portal, launched in 2020 as a fully online, paperless, self-declaration system. The Udyam Assist Platform, launched in January 2023, is helping informal micro enterprises enter the formal sector and access priority-sector lending. DPIIT has also reduced compliance burdens under the Public Procurement Policy for Micro and Small Enterprises Order, 2012 and developed the National Single Window System to integrate regulatory clearances across central and state agencies.