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.

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 Energy

02 Dec 2025

Avaada to Invest Rs 1 Tn as it Scales Clean Energy Portfolio

Avaada Group has unveiled an aggressive five-year investment plan as it looks to deepen its presence across the clean energy value chain and capture rising demand from emerging sectors. The integrated clean energy company said it will invest Rs 1 trillion over the next five years and expand its workforce by 10,000 people within the next three years, marking one of its largest growth commitments to date.Vineet Mittal, chairman of the group, said the strategy aims to strengthen the company’s self-reliant ecosystem while scaling vertically integrated capabilities. “We want to become the world..

Infrastructure Energy

02 Dec 2025

Havells to Buy 26% Stake in Solar SPV for Long-term Captive Power

Havells India has approved the acquisition of a 26 per cent stake in Kundan Solar (Pali), a Special Purpose Vehicle (SPV) formed to develop, install, operate and maintain a solar power plant. The investment is aimed at strengthening the company’s transition toward green energy while reducing reliance on fossil fuel–based power.Kundan Solar will develop a 15 MWac solar power plant, for which Havells plans to enter into a long-term Power Purchase Agreement (PPA) of up to 25 years. As per existing electricity regulations, a minimum 26 per cent shareholding is required to qualify as a captive ..

Infrastructure Energy

02 Dec 2025

Waaree Group Secures 10 MWh Battery Storage Project in Tamil Nadu

Waaree Group has won a new battery energy storage system (BESS) project in Tamil Nadu, strengthening its presence in the fast-growing energy storage segment. The company said the order has been placed by a leading infrastructure development firm and involves supplying and deploying a 10 MWh BESS solution in the state.The project marks an important step in meeting the rising demand for flexible and dispatchable power as renewable energy capacity expands across India. Battery storage systems are increasingly being integrated into solar and wind projects to stabilise supply, smoothen interm..