Collateral-free, scheme-backed credit for founders and MSMEs.
Government schemes are the easy door for the thinnest files — and the whole value is knowing which one fits your entity and your stage before you spend a month on the wrong one. We explain them plainly and help you prepare the file. A regulated lender delivers the scheme, underwrites and decides; Ojas Loans is neither the government nor the lender, and has no lender empanelled today.
- Mudra (PMMY)
- CGTMSE
- PMEGP
- Stand-Up India
- Collateral-free
The schemes, explained plainly
Each scheme was built for a different entity and stage — a first micro ticket, a collateral gap, a fresh setup, a founder the mainstream file overlooks. Read the guide for the one that sounds like you, then check eligibility.
Mudra (PMMY)
Government-backed, collateral-free credit for non-farm micro enterprises — up to ₹10 lakh across three tiers.
Read the guideCGTMSE
A government guarantee that stands in for collateral, so micro and small enterprises can borrow without pledging assets.
Read the guidePMEGP
A credit-linked subsidy scheme that helps new micro-enterprises get started with a government subsidy on the project cost.
Read the guideStand-Up India
Bank loans for greenfield enterprises led by women and SC/ST entrepreneurs.
Read the guide
Honest scope — Ojas is not the government and not the lender; scheme terms are set by the scheme and the delivering lender, change over time, and are applied at that lender’s discretion. We explain and help prepare the file — and with no lender empanelled, we cannot submit it for you.
Find the scheme built for your file
A short enquiry, a reference id, and a named consultant on the phone within one working day — who tells you which scheme fits and what it will ask you to produce. Free, and we never charge you to ask.
Talk it throughTry the free checker