Entrepreneurship Guidance

Documents required

• Community certificate confirming SC/ST status of the proprietor / all partners / shareholders
• Proof that the enterprise is 100% SC/ST-owned — proprietorship declaration, partnership deed, or company MOA/AOA and shareholding pattern, as applicable
• Detailed project report with cost estimates
• Quotations for machinery, equipment, land and other capital items included in the project cost
• Udyam / MSME registration
• Bank loan or working capital sanction letter, if the project is credit-linked

How to apply

1. Apply online through the AABCS portal (msmeonline.tn.gov.in/aabcs) or approach your District Industries Centre (DIC).
2. Submit your project report, cost estimates and SC/ST ownership proof; if you need a loan, apply to a scheduled commercial bank, co-operative bank, TIIC or an NBFC — they will factor in the AABCS interest subvention and margin-money support.
3. The General Manager, District Industries Centre places your proposal, with recommendation, before the District Level Sanctioning Committee (DLSC), chaired by the District Collector.
4. On sanction, capital subsidy is released upfront to your bank as margin money if the project is credit-linked, or back-ended after project completion if you are not taking a loan.
5. Interest subvention (6%) is paid upfront to your bank for the loan tenure (up to 10 years) and on working capital (up to 2 years).
6. You will also be enrolled for entrepreneurship development training through the Entrepreneurship Development and Innovation Institute, with further mentoring available via Startup-TN or FaMeTN depending on your sector.

Documents required

• Community certificate (SC/ST) for the proprietor / partners / shareholders
• Firm or company registration and partnership deed (if applicable), showing SC/ST ownership share
• Udyam / MSE registration certificate
• Proof of registered office and place of business within Tamil Nadu
• Bid documents for the specific tender on tntenders.gov.in
• Written undertaking to match the L1 (lowest) tender price, if applicable

How to apply

1. Register your enterprise as SC/ST-owned under Section 2(aa)/2(aaa) of the Tamil Nadu Transparency in Tenders Act — a proprietorship/firm with the required SC/ST ownership share, or a company with more than 50% SC/ST shareholding and control.
2. Obtain Udyam registration as a micro or small enterprise, with your registered office and operations based in Tamil Nadu.
3. Register on the TN Tenders portal (tntenders.gov.in) and bid on divisible tenders floated by government departments, corporations, universities and local bodies.
4. Submit your bid along with proof of SC/ST ownership as required under Rule 30(C).
5. If you are not the lowest (L1) bidder, submit a written undertaking to match the L1 price to claim your share of the mandatory 5% purchase-preference reservation.
6. If a department has not included the mandatory purchase-preference clause in its tender, cite Finance (Procurement Cell) Department Letter No. e-2239/Procurement Cell/2025 dated 13.10.2025 and request compliance, or contact AKAM Foundation for help escalating it.

Documents required

• Community certificate
• Income certificate
• Family card
• Aadhaar card
• Passport-size photo
• TIN number (if applicable)
• Quotation for machinery/equipment
• Project report
• Proof of education
• Proof of identity
• Proof of address

How to apply

1. Apply online at scheme.tahdco.com (or application.tahdco.com) — register and log in.
2. Go to "Financial Assistance" and click "Apply Here" to check eligibility.
3. Choose the individual-loan option, then select EDP.
4. Fill in all mandatory fields and upload the documents listed above.
5. Submit — your district TAHDCO office verifies the application and processes the front-end subsidy alongside your bank loan.

Documents required

• Community certificate (SC)
• Income certificate
• Family card
• Aadhaar card
• Proof of education (minimum 8th standard pass)
• Proof of residence
• Age proof

How to apply

1. Apply online at application.tahdco.com — register and log in.
2. Fill in personal details: name, father's name, address, date of birth, Aadhaar number, family annual income, family card number, education qualification.
3. Enter the trade you're applying under, along with project cost, working capital and miscellaneous expenditure estimates.
4. Upload scanned copies of the documents listed above.
5. Submit — your district TAHDCO office verifies and processes the front-end subsidy alongside your bank loan.

Documents required

• Educational qualification certificate (Degree/Diploma/ITI or higher)
• Detailed project report
• Proof of promoter's contribution (10% of project cost for general applicants, 5% for special categories)
• SC/ST/women/other special-category certificate, where applicable
• Aadhaar card

How to apply

1. Register on the Tamil Nadu MSME Single Window Portal (msmeonline.tn.gov.in/needs) or the broader TNSWP portal (tnswp.com).
2. Complete the investor/applicant registration form with your personal and business details.
3. Apply specifically under NEEDS and upload the documents above, including your project report.
4. Track the application online — approvals are routed through the Commissionerate of Industries and Commerce.
5. This is a lighter-confidence step list (converging secondary sources, not a single official process document) — confirm the exact portal flow with your district DIC office before relying on it.

Documents required

• SC community certificate
• Income certificate (family income up to Rs 5 lakh/year)
• Identity and address proof
• Project report

How to apply

1. NSFDC does not lend directly to individuals — approach TAHDCO, Tamil Nadu's State Channelizing Agency (SCA) for NSFDC.
2. Collect or download the term loan application form from your district TAHDCO office and fill in the required details.
3. Attach the documents above and submit to the TAHDCO district office.
4. TAHDCO appraises the project's viability and forwards it to NSFDC with a recommendation.
5. On sanction, NSFDC disburses funds to TAHDCO, which passes them on to you.

Documents required

• Aadhaar card and PAN
• Address proof
• Business registration / proof of business ownership (if an existing business)
• Business plan or project report
• Bank statements (for existing businesses)
• Passport-size photographs

How to apply

1. Decide which tranche fits your need: Shishu (up to Rs 50,000), Kishor (up to Rs 5 lakh), Tarun (up to Rs 10 lakh), or Tarun Plus (Rs 10-20 lakh, only if you've already repaid a Tarun loan).
2. Approach any bank branch, NBFC or microfinance institution — or apply online via udyamimitra.in or mudra.org.in.
3. Fill the Shishu form (simple, one page) or the Kishor/Tarun form (more detailed, three pages) with your business and loan details.
4. Submit with the documents above — there's no processing fee and no collateral required at any tranche.
5. Once sanctioned, you receive a RuPay Mudra card for drawing down the working-capital portion as needed.

Documents required

• Aadhaar card (mandatory — name must exactly match Aadhaar records)
• Detailed Project Report (DPR) covering the business activity, investment plan and expected employment generation
• SC/ST/other special-category certificate, where claiming the higher subsidy slab
• Educational qualification certificate
• Passport-size photograph

How to apply

1. Apply online at kviconline.gov.in/pmegpeportal — click "Apply" under "Application for New Unit".
2. Fill in the form and click "Save Application Data"; note down the Application ID and password shown.
3. Upload the documents listed above against each requested document type.
4. Choose your sponsoring agency — KVIC, KVIB, or the District Industries Centre (DIC) — based on where you want to submit.
5. Submit online, then deliver a printed copy with original documents to the chosen office if verification requires it.
6. If selected, attend the mandatory Entrepreneurship Development Programme (EDP) training (10-15 days) — banks will not release loan funds until this is completed.
7. Track your application status by logging back into the portal.

Documents required

• Filled application form with passport-size photographs
• Identity proof (Passport, Driving Licence, Voter ID, or PAN card)
• Address proof (Voter ID, Passport, recent electricity/phone bill, or property tax receipt)
• SC/ST community certificate (if applicable)
• Project report / business plan, machinery and supplier details for higher loan amounts

How to apply

1. Register your basic details — location, category, proposed business — on standupmitra.in, or approach a bank branch directly.
2. Confirm the branch has an available SC/ST or woman-entrepreneur quota slot (at least one of each per bank branch).
3. Optionally, contact your district's Lead District Manager (LDM), who will guide you to the right branch.
4. Submit your application and documents to the bank.
5. Banks are required to decide within 2 weeks for loans up to Rs 5 lakh, 3 weeks for Rs 5-25 lakh, and 6 weeks above Rs 25 lakh, once your application is complete.

Documents required

• Udyam Registration Number (mandatory)
• Aadhaar card
• PAN (mandatory for credit facilities above Rs 5 lakh)
• Business incorporation / registration certificate
• Detailed project report
• Bank statements

How to apply

1. There's no separate application to CGTMSE itself — the entire process runs through your bank or NBFC.
2. Ask your bank or NBFC whether they are empanelled with CGTMSE.
3. Apply for a normal collateral-free business loan at that lender, specifically requesting CGTMSE cover.
4. The lender assesses the loan on business viability and creditworthiness, without asking for collateral.
5. If the loan is sanctioned, the lender itself applies to CGTMSE for the guarantee — you don't file anything with CGTMSE directly.

Documents required

• Udyam (MSME) registration certificate
• Aadhaar card
• SC/ST community certificate
• Partnership Deed, or Memorandum & Articles of Association (if a partnership/company, not a proprietorship)

How to apply

1. Complete free Udyam (MSME) registration if you haven't already.
2. Register for NSIC Single Point Registration (SPRS) online at nsicspronline.com, or submit the paper form to your nearest NSIC office — a token fee of about Rs 100 + GST applies for SC/ST-owned enterprises.
3. Once registered, apply separately for the specific Hub benefit you need — machinery-purchase subsidy, exhibition support, e-commerce membership reimbursement, etc. — each has its own short document checklist on scsthub.in.
4. Use your SPRS registration to get free tender sets and EMD exemption, and to onboard onto GeM for the 4% public-procurement quota.

Documents required

• ST community certificate
• Income certificate (family income up to Rs 3 lakh/year)
• Identity and address proof
• Bank statements
• Project report

How to apply

1. Like NSFDC, NSTFDC lends through a State Channelizing Agency (SCA) — in Tamil Nadu this is also handled via TAHDCO.
2. Collect or download the term loan application form from your district TAHDCO office and fill in the required details.
3. Attach the documents above and submit to the TAHDCO district office.
4. The SCA appraises project viability against NSTFDC's terms and forwards it with a recommendation.
5. On sanction, funds are disbursed through the SCA to you, usually with a moratorium before repayment begins.