Which money fits your stage?

1IdeaSavings, friends & family, hackathon prizes, incubator grants
2MVP / pre-seedAngels, accelerators, Startup India Seed Fund (via incubators), MUDRA/PMEGP for small businesses
3SeedAngel networks, seed funds, micro-VCs, revenue
4Series A+Venture capital, venture debt, strategic investors
5Growth & late stageGrowth funds, private equity, debt, IPO

Learn the trade-offs in Every way to fund a startup in India and How funding rounds work.

Government schemes to know

Grant / debt

Startup India Seed Fund Scheme

For: DPIIT-recognised early-stage startups

Financial support through selected incubators for proof of concept, prototypes, product trials, market entry and commercialisation — part as grants, part as debt or convertible instruments.

Official site ↗
Debt guarantee

Credit Guarantee Scheme for Startups (CGSS)

For: DPIIT-recognised startups borrowing from member lenders

A government-backed guarantee on eligible loans, making it easier for startups to borrow without heavy collateral.

Official site ↗
Equity (indirect)

Fund of Funds for Startups (FFS)

For: Startups raising from SEBI-registered funds

The government commits capital to SEBI-registered alternative investment funds (managed through SIDBI), which in turn invest in startups.

Official site ↗
Loan

PM MUDRA Yojana

For: Micro and small non-farm enterprises

Collateral-free loans in size-based categories for setting up or growing small businesses, through banks, NBFCs and MFIs.

Official site ↗
Debt guarantee

CGTMSE

For: Micro and small enterprises

Credit guarantees that help MSMEs obtain collateral-free loans from member lending institutions.

Official site ↗
Subsidy + loan

PMEGP

For: First-generation entrepreneurs setting up new micro enterprises

A credit-linked subsidy (margin money) on project cost for new manufacturing and service units, administered by KVIC and state agencies.

Official site ↗
Loan

Stand-Up India

For: SC/ST and women entrepreneurs starting greenfield enterprises

Bank loans for setting up new enterprises in manufacturing, services, trading or agri-allied activities.

Official site ↗
Subsidy

PMFME

For: Micro food-processing units

Support for formalising and upgrading micro food-processing enterprises, including credit-linked subsidies and branding support.

Official site ↗
Varies

State startup policies

For: Startups registered in a given state

Most states offer their own grants, seed funds, rent and patent reimbursements, incubation and procurement benefits.

Official site ↗

Scheme names, limits, eligibility and processes change. This page is a general guide, not advice. Always confirm current terms on the official websites linked above, with your bank or with a qualified adviser. Beware of agents who promise guaranteed approvals for a fee.

Before you apply

Get registered

A company or LLP, PAN, a current account, GST (if applicable), Udyam registration for MSMEs and DPIIT recognition for startup schemes.

Know your numbers

A simple business plan, financial projections and runway. Use our cost and runway calculators.

Tell a clear story

Problem, solution, traction, team and how the money will be used. See The 12-slide pitch deck.