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The loan shelf

Government scheme loans

A map of business credit, organised by what the money is for. Every amount, rate, tenure and fee band below is illustrative — a range we publish to show what a family of credit typically costs in the Indian market, not a figure any lender has quoted us. No lender is empanelled with Ojas Loans today, so nothing here is an offer of credit and no file can be submitted through us. Ojas is a lending service provider and is never the lender.

Government scheme

  • CGTMSENo collateral

    CGTMSE collateral-free term loan

    Collateral-free credit for micro and small enterprises under the CGTMSE guarantee.

    Amount
    ₹5,00,000 – ₹2,00,00,000
    Rate
    10%–16% p.a. illustrative
    Tenure
    12–84 months
    View details
  • PMMYNo collateral

    Mudra loan (PMMY)

    Government-backed credit for micro enterprises, up to ₹10 lakh.

    Amount
    ₹50,000 – ₹10,00,000
    Rate
    9%–14% p.a. illustrative
    Tenure
    12–60 months
    View details

Not sure which product fits?

Use the free checker — four questions, computed in your browser, nothing sent anywhere — or let a consultant map your requirement in a call. Every band on this page is illustrative; a lender would price your actual file, and we have none empanelled yet.

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