INDEX

Sr. No. Contents Page No.

2-4
Annexure I– Micro Project Proposal

1.Aims/Benefits of the Micro-Project 2

2. Course Outcome Addressed 2

1
3.Proposed Methodology 2

4. Action Plan 3

5. Resources Required 4

6. Name of student with roll no 4

Annexure II – Micro Project Report 5-15

1.Rationale 5

2.Aims/Benefits of the Micro-Project 5

2
3.Course Outcome Achieve 5

4. Literature Review 6

5.Actual Methodology Followed 6

6.Actual Resources Used 13

7. Skill developed / Learning out of this Micro-
13
Project:
8 Applications of this Micro-Project 14

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 Annexure I

Micro Project Proposal

Government Business Loan for Startup

1. Aims/Benefits of the Micro-Project:-

This Micro project aims that to collect information about Government schemes for business loan for .
. startup.

2. Course Outcome Addressed:-

 Identify the business opportunities that suits you.
 Use the support systems to zero down to your business idea.
 Develop comprehensive business plans.
 Prepare plans to manage the enterprise effectively

3. Proposed Methodology: -
Government business loan refers to a for-profit business started and run by an entrepreneur.
And we will often say that people running such businesses are enterprising. The roots of the
word lie in the French word entrepreneur , meaning ‘to undertake’, which in turn comes from
the Latin “inter pretender” (seize with the hand).

Government Business Loans start an enterprise – with the associated risks – to make a profit,
and for one of several reasons:

• Problem-solving. They see a particular issue that they feel they can solve.
• Exploit ideas. They have a new idea or product they believe will be successful.
• Filling a gap. They see a gap in the market they believe they can fill.

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 4. Action Plan:-

Sr. Planned Planned Name of Responsible

Details of Activity
No. start date Finish date Team Members

1 Search the topic 08/01/2025 15/01/2025

4:30pm – 5:30pm 4:30pm –5:30pm
2 Search the information 15/01/2025 22/01/2025
4:30pm – 5:30pm 4:30pm – 5:30pm
3 Create a 22/01/2025 29/01/2025
business plan 4:30pm – 5:30pm
4:30pm – 5:30pm
Chavale Prerana Balbhim
4 Find the different types of 29/01/2025 5/02/2025
businesses 4:30pm – 5:30pm 4:30pm – 5:30pm
5 Compare information 5/02/2025 12/02/2025
of project. 4:30pm – 5:30pm 4:30pm –
5:30pm
6 Collecting the different type 12/02/2025 05/03/2025
of image 4:30pm – 5:30pm 4:30pm – 5:30pm

7 making Index and 5/03/2025 12/03/2025

Certificate of project 4:30pm – 5:30pm 4:30pm – 5:30pm

8 Finalizing Project with its 12/03/2025 19/03/2025

report 4:30pm – 5:30pm 4:30pm – 5:30pm

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5. Resources Required:-

Sr.
Name of resource / material Specification Quantity Remarks
No.
1 Computer System Processor IntelCore I3, 1
RAM 8GB, 1IB.HDD
3 Microsoft word Microsoft Office 2010 1

6. Names of Team Member with Roll No:-

Sr.
Enrollment No. Name of Team Member Roll No.
No.
1 2210950112 Chavale Prerana Balbhim 08

Mrs. Sayyad F.S.

Name and Signature of the Teacher

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 Annexure – II
Micro-Project Report
Government Business Loan for Startup

1.Rationale:

Firstly, the main goal of government schemes is to provide opportunity for a business satart-
up. You will often come across the use of the word when reading about start-ups and other
businesses . Enterprise means to plan a business, to start it and run it.It means to bring the
factors of production together, assign each its proper task, and pay them remuneration when
the work is done. It implies not only running of a business, but also shouldering the loss, if
any. The man who undertakes all this work is called an organizer, or, more commonly, an
entrepreneur. Organizing and risk-taking are the two main functions of the entrepreneur.

1. Aims/Benefits of the Micro-Project:

.
These startup schemes have been introduced over a period of time and many of these were
introduced before the launch of Startup India plan. India’s first five-year plan government started
various schemes for poverty reduction programmer. Because of the government schemes poverty ratio
of India are reduced. Government spent so much money for below poverty line families but government
does not achieve the expected target. Poverty exists not only in India but its presence is worldwide.
Poverty is focused as a hurdle into development. Poverty creates economics as well as social problems
that harm the society at large. In order to increase in self-employment, Integrated Rural Development
Programmer, Janani Surekha Yojana, Balika Samruthi Yojana, Allowance for presence in the schools
for marginalised, SCs and STs students, Suvarn Jayanti Gram Swayam Rojgar Yojana, Indira Awas
Yojana, different types of scheme are implemented by the Govt.

2. Course Outcomes Achieved:

1. Use the support systems to zero down to your business idea.

2. Identify the business opportunities that suits you.

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 3. Literature review:

Government business loan refers to a for-profit business started and run by an entrepreneur. And
we will often say that people running such businesses are enterprising. The roots of the word
lie in the French word entrepreneur , meaning ‘to undertake’, which in turn comes from the
Latin “inter pretender” (seize with the hand).

Government Business Loans start an enterprise – with the associated risks – to make a profit, and
for one of several reasons:

• Problem-solving. They see a particular issue that they feel they can solve.
• Exploit ideas. They have a new idea or product they believe will be successful.
• Filling a gap. They see a gap in the market they believe they can fill.

4. Actual Methodology Followed:

1. TYPES OF GOVERNMENT SCHEME FOR BUSINESS STARTUP

o MSME government business loan scheme

o MUDRA business loan
o Credit guarantee fund government business loan scheme
o National Small Industries Corporation Subsidy
o Credit Link Capital Subsidy Scheme
o PSB Loans etc.

GOVERNMENT BUSINESS LOAN SCHEMES:

1.MSME government business loan scheme:

The Indian Government launched the MSME business loan scheme as a working capi tal loan.
As an MSME, you can get a loan sanction of up to Rs.1 crore within just 59 minutes. The best
part is you get this loan at 8% rate of interest, keeping the repayment easy on your pocket.
A reservation of 3% is available for women entrepreneurs, so as to offer a quick sanction to
the increasing number of women helming their own business today.

When applying for the loan, follow these basic steps:

Enter your business’s GST Identification Number

- Upload the income tax returns for your business in XML format
- Upload the bank statements of your business account for the last six months in PDF format.
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 - Enter the director/owner’s details for your business. This will include all details related to
personal, educational, and ownership criteria.

- Submit the application to enjoy an on-principle sanction within 59 minutes !

2.MUDRA business loan:

Established by the current government, Micro Units Development and Refinance Agency (MUDRA)
has envisioned the idea of ‘funding the unfunded’ and put it into action with a funding scheme.
Small business entities and start-ups are given financial support in the form of low-cost credit.

MUDRA Loans are financed through public and private sector banks, co-operative societies, small
banks, scheduled commercial banks, and rural banks.
Broadly, any MSME operating in the manufacturing, trading and services sector is eligible for the
MUDRA loans. Your firm can avail funds via the government business loan scheme under three subheads.

- Sishu Loans up to Rs.50,000

- Kishor Loans up to Rs.5,00,000
- Tarun Loans up to Rs.10,00,000

To facilitate easy funding, the government has recently introduced the MUDRA Card. This
innovativeproduct provides a working capital facility as a cash credit arrangement. This card is given
to you as a debit card against your MUDRA loan account. Based on your sanction, you can withdraw funds.
from your MUDRA loan account multiple times. Until and unless you use a portion of the sanction,
you will not be charged interest on it. You can use your MUDRA card for POS purchases or to withdraw
cash from any ATM across the country.

3. Credit guarantee fund government business loan scheme:

CGTMSE has been in action for 18 years now. Since its inception, the Credit Guarantee Fund Trust for
Micro and Small Enterprises has been facilitating collateral-free loans for MSEs. Any scheduled
commercial bank and regional rural bank can become a part of the scheme by empaneling itself as a
lending authority. The agency sanctions loans to eligible Micro and Small Enterprises basis their
credit standing via the lending agencies in question.
The scheme provides working capital loans up to Rs.10 lakh and has provisions for bigger sanctions as
well. However, to get approval for an amount exceeding Rs.10 lakh, you will need to mortgage your
business assets and land.

4. National Small Industries Corporation Subsidy:

Established in 1955, NSIC offers MSMEs two kinds of funding benefits: raw material assistance and

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 marketing assistance. Any business qualifying as a micro and small enterprise having EM Part-II
(Optional)/ Udyog Aadhaar Memorandum (UAM) is eligible to register for this government business

loan scheme under its Single Point Registration Scheme (SPRS).

Once you qualify, you can opt for the raw material assistance scheme, where funding for both indigenous
and imported raw material is covered. Under the marketing support, you can avail funds and use it to
enhance your competitiveness and the market value of your offerings. The NSIC also overlooks the
functioning of an MSME and supports it in its endeavor to enrich production and quality

5. Credit Link Capital Subsidy Scheme:

This government business loan scheme funds technological upgradations. Under the varied facets of
The scheme, you can access finance to enhance your technology and equipment. You can use the funds from
your sanction to undertake a revamp related to numerous processes for your business, like supply chain
manufacturing, marketing, and supply chain.
Through this scheme, the government plans to reduce the production cost borne for creating and
providing goods and services by small and medium enterprises. This will pave the way for a more
competitive local and international market ecosystem.
Under this scheme, you can get an upfront 15% capital subsidy for your business. However, the
maximum amount you can avail as subsidy is capped at Rs.15 lakh. In order to be eligible for a loan
under this scheme, you need to apply as a sole proprietorship business, partnership firm, and cooperative
or private and public limited company.

6. PSB Loans:

On Nov 5, 2018, our Prime Minister, unveiled a dedicated digital platform to enable loans of up to
Rs. 5
crore in just 59 minutes. The government launched this business loan scheme to provide financial
assistance to the Micro, Small and Medium Enterprises (MSMEs) throughout India. Some of the great
features about this facility are:
Fast access to financial assistance: Usually such loan processes take about 7-10 working days to
complete. However, the loan approval process takes in just 59 minutes
Loan amount: The loan amount offered under this loan will be between Rs. 1 Lakh and maximum is up
to Rs. 5 crore
Rate of interest: The rate of interest offered under this scheme is 8.5% onwards
Quick disbursal: After the loan gets approved in an hour, you can expect the money to reach in your
bank account in 7-8 working days
Collateral-free: To avail the loan, collateral is not mandatory as the online portal is directly linked to
the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme

2. REQUIRD DOCUMENT & ELIGIBILITY

o Documents Required to Government Loan Schemes:

The documents required for these government schemes may vary from one scheme to another. a few
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common documents:

 Passport-sized photographs.
 Business plan.
 Identity, Age, Address and Income Proofs.
 GST Identification number.
 Details of income tax paid over the last 3 to 5 years.
 Bank statements of last 6 months.
 Business address proof.
 ITR returns for last 2 years.
 Details of the type of loan that you want.
 List of company Directors or partners of the company/partnership firm.
 E-KYC: All the documents that the applicant would use to apply for E-KYC are needed here, as
well.
 Government Business Loans: Eligibility Criteria:

The factors of eligibility criteria involve the following:

 Age of the applicant

 Loan amount
 Type of Business
 Credit Score
 Annual Turnover
 Capital Invested

Government loans are offered to individuals, start-up enterprises, sole proprietorship, and partnership
firms, business owners, SMEs, MSMEs, private limited companies, large enterprises, etc. The minimum
age criterion to apply for a government business loan is 18 years. For the existing businesses the
minimum business existence to apply for a loan is 2 years. Minimum credit score to be above 650
required by loan schemes to sanction loan.

 Steps to Register with the Loan Schemes:

Step 1: Go to the desired bank’s official online portal associated with the scheme
Step 2: Register on the portal and log in through the One-Time Password (OTP) authentication
Step 3: Agree to the terms and conditions of the Government loan scheme
Step 4: Enter your financial credentials and other information required
Step 5: Proceed further and continue with filling the forms and uploading the required documents

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 Image1:Some Government schemes For Startup in India

1.Startup India Initiative

The Startup India Initiative is, by far, the largest government scheme for startups in India. Started
by Prime Minister Narendra Modi in 2016, over 50,000 businesses come under this scheme.

It has an extensive collection of ebooks, courses, and mentorship programs to promote leadership
and skills. Critical benefits and eligibility of this scheme for entrepreneurs in India include:

2. Pradhan Mantri Mudhra Yojna

PMMY is a scheme for startups and MSMEs that aims to provide access to capital and loans to help
ventures sustain and grow their business. Launched in 2015, eligible applicants can claim loans of up to
10 lakhs for working capital requirements. The repayment period for loans availed under this scheme is
five to seven years.

3. CHUNAUTI Challenge
Chunauti is a government initiative scheme that stands for Challenge Hunt Under NGIS for Advanced
Uninhibited Technology Intervention. It was a pandemic-influenced scheme that was launched in the
year August 2020. This NextGen Startup Challenge Contest under the Next Generation Incubation
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 Scheme (NGIS) is to find startups that are working towards solutions or software products to help solve
futuristic, emerging technology, or societal problems.

4. SAMRIDH Scheme
Startup Accelerator of MeitY for Product Innovation, Development and Growth (SAMRIDH) Scheme was
introduced by the Minister of Electronics Information and Technology (MeitY) in August 2021. One of
the main objectives of this scheme is to provide funding support and fiscal incentives to startups.

The idea behind this initiative is to lend support to startups that have proof of concept for their products.
The amount provided by the government to the entrepreneurs is INR 40 Lakh. Under this scheme, the
government will provide funding to the accelerators after evaluating the startup and its growth.

5. NIDHI Scheme (National Initiative for Development and Harnessing Innovations)

The NIDHI Scheme (National Initiative for Development and Harnessing Innovations), introduced by the
Department of Science & Technology (DST), Government of India, is an umbrella programme. It was
developed to nurture and grow ideas, and knowledge- and technology-based innovations into startups.
The various NIDHI programmes include – NIDHI-EIR, NIDHI- PRAYAS, NIDHI-SSS, NIDHI- CoE,
NIDHI- GCC and NIDHI- Accelerator. These programmes are implemented through Technology
Business Incubators (TBIs) around the country.

6. ASPIRE (A Scheme for Promotion of Innovation, Rural Industries and Entrepreneurship)

The ASPIRE Scheme was introduced by the Government of India in 2015 with the aim of improving rural
India’s social and economic aspects of life, making it one of the most popular schemes launched by the
Indian Government. This scheme, introduced by the Ministry of Micro, Small, & Medium Enterprises,
aids in setting up a network of technology centres and incubation centres to boost startup ventures in the
agro-industry, as a large part of India still depends on agriculture for their livelihood.

7. Digital India BHASHINI

Digital India BHASHINI is an initiative that was introduced by the Prime Minister, Narendra Modi, during
the Digital India Week in 2022. This initiative allows Indian citizens to easily access the Internet and
digital services in their native language. This form of digital inclusion will encourage the participation
of startups. Digital India BHASHINI (Bhasha Interface of India) aims to make AI and NLP resources
available to MSMEs, Startups, and Individual Innovators in the public domain.

8. MSME Market Development Assistance (MDA)

The MSME Market Development Assistance Scheme (MDA) is a sub-component of the MSME
International Cooperation Scheme (IC), and was implemented by the Ministry of Micro, Small, and
Medium Enterprises.

9. Credit Linked Subsidy Scheme (CLCSS)

The Credit Linked Subsidy Scheme, also known as CLCSS is an initiative that was launched in the year
2000 by the Government of India and aimed to help MSMEs upgrade their technology so they could

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 maximise their revenue generation. Due to the shortage of funds, MSMEs are often forced to work with
outdated technology, causing delays in their work.

But, with the CLCSS initiative, MSMEs located in rural and semi-urban parts of India can drastically
upgrade their existing equipment and technology.

10. Digital India GENESIS

Digital India GENESIS (Gen-next Support for Innovative Startups) is a deep-tech startup platform
initiative launched by the Ministry of Electronic and Information Technology (MeitY). It was
introduced in the year 2015 and aims to help tech startups from mostly Tier II and Tier III cities scale
up their operations.

The selected ten thousand startups will get their help for five years, and will be provided with the right
tools to scale up. The PM of India wanted to sustain the tech ecosystem, transform India, and empower
society.

11. MSME Sustainable (ZED) Certification

The ZED Certification Scheme was launched with the aim of creating awareness amongst MSMEs about
Zero Defect and Zero Effect (ZED). It includes three levels of certification: Bronze, Silver and Gold,
and is primarily based on the parameters of Quality, Safety, Production, Cleanliness and more.

12. The Multiplier Grants Scheme (MGS)

The Multiplier Grants Scheme (MGS) was launched by the Department of Electronics and Information
Technology (DeitY) with the aim of bringing together industry and academic institutions. They wanted
to encourage R&D collaboration for the development of products and packages. This process would
strengthen the relationship between industries and institutes and help drive the development of
indigenous products and packages faster.

13. Startup Leadership Program (SLP)

The Startup Leadership Program (SLP) is a renowned global training program for innovators, leaders, and
founders of today’s world who want to become startup CEOs. It is a non-profit educational program
that not only provides classes to the next generation of leaders and entrepreneurs but also works as a
professional network for them.

14. Startup India Seed Fund Scheme

The Startup India Seed Fund Scheme (SISFS) provides financial assistance to early-stage startups for
market entry, product trials, commercialization, prototype development, and proof of concept. This is
one of the best scheme for funding for startups in India by government.

The government has allocated a total budget of 945 crores to this scheme. It expects to provide funds to
3600 startups. Grants of up to 20 lakh rupees will be provided for developing trials or prototypes. This
scheme also aims to enhance the innovation culture and development in the country.
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15. Atal Innovation Mission
This scheme belongs to a category of government schemes for startups with a mandate to promote
entrepreneurship and innovation countrywide. The core focus of this scheme is on tier-2 and tier-3
cities.

Also known as AIM, this scheme provides a platform for promoting world-class innovation hubs, sectoral
focus, grand challenges, and talent initiatives. Some key programs under this scheme are innovation
centers, Atal tinkering labs, community incubation centers, and innovation centers.

5.Actual Resources Used:

Sr. Name of resource /

Specification Quantity Remarks
No. material

1. PC Processor Intel Core I3, 1

Ram 8GB, 1TB.HDD

2. Software internet 1

3. Microsoft word Microsoft Office 2010 1

6.Skill developed / Learning out of this Micro-Project:

 We learn to study cases of fake profiling
 We learn to study case of fake photo
 We learn Digital Forensics
 We learn Evidence Handling
 We learn Team Work

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 7.Applications of this Micro-Project:
1. Legal Awareness – Helps in understanding business laws, liabilities, and compliance requirements.
2.Investment Decisions – Assists investors in evaluating business structures before investing.
3.Entrepreneurship Development – Encourages new business ideas and promotes self-employment.

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