Centre Lists Key Measures to Boost MSME Finance and Technology

02 Dec 2025 CW Team

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.

"Join industry leaders at RAHSTA Expo, India's premier platform for roads, highways and traffic infrastructure. Register now to explore innovations, network with experts and shape the future of mobility."

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.

Infrastructure Urban

06 Jul 2026

ABS Marine Sees CRISIL Credit Rating Upgrade

ABS Marine Services has secured an upgrade to its long term and short term credit ratings from CRISIL, reflecting improved profitability and revenue growth through long term contracts. CRISIL moved the long term rating from BBB+/Stable to A-/Stable and revised the short term rating from A2 to A2+. The action signals strengthened financial metrics and operational resilience. The company benefited from durable client relationships with firms such as ONGC and Schlumberger. The rating decision followed stronger cash flows and an enlarged bank loan facility, which increased from Rs 3,705 million (m..

Infrastructure Transport

06 Jul 2026

Project BRAHMANK Marks 16 Years Of Strategic Roads In Arunachal

Project BRAHMANK is marking 16 years of work to establish strategic road and bridge links across Arunachal Pradesh, maintaining and developing 811 kilometres of roads and nearly 86 bridges that range from small culverts to large steel and arch bridges. These transport links are described as critical for ensuring year-round movement of defence personnel, equipment and essential supplies while improving everyday travel for people in remote villages. The project balances national security requirements with regional development by focusing on reliable access in challenging terrain. Notable enginee..

Infrastructure Transport

06 Jul 2026

Longleng CSOs Give One Week Ultimatum Over Two-Lane Highway

Civil society organisations (CSOs) in Longleng district have demanded immediate restoration of the deteriorating Changtongya–Longleng two-lane road and sought a detailed status report on the stalled construction within one week. The demand followed a consultative meeting convened under the Phom Peoples' Council (PPC) to discuss welfare and development concerns. PPC president YB Angam Phom said prolonged non-maintenance had caused hardship to commuters and affected transportation, local commerce and the district's development. The meeting urged authorities to undertake immediate restoration a..