PMEGP Subsidy Calculator margin money & bank loan
- ₹50 lakh
- manufacturing project cap
- ₹20 lakh
- service / business project cap
- 15–35%
- margin money by area and category
- 5–10%
- your own contribution
Your unit
Four inputs. Figures update as you change them.
Cap: ₹50 lakh for manufacturing, ₹20 lakh for service. Excess must be self-funded.
- Bank term loan
- ₹16,25,000
- Your share (10%)
- ₹2,50,000
| Margin money grant (25%)the subsidy | ₹6,25,000 |
|---|---|
| Your own contribution (10%) | ₹2,50,000 |
| Bank term loaneligible − margin money − own share | ₹16,25,000 |
| Eligible project costcapped at ₹50.00 lakh | ₹25,00,000 |
How the money splits three ways.
Margin money, your contribution and the bank loan always add up to the eligible project cost; anything above the cap is yours to fund.
- KVIC — Prime Minister’s Employment Generation Programme (PMEGP) scheme guidelines.
- Project cost ceiling: ₹50 lakh for manufacturing, ₹20 lakh for service / business units.
- Margin money is held as a term deposit and adjusted against the loan after 3 years, subject to EDP training and physical verification by KVIC / KVIB / DIC.
- 01
Cap the eligible cost
eligible = min(project cost, ₹50 L manufacturing · ₹20 L service) - 02
Margin money (the subsidy)
margin money = eligible × rate (urban 15% / 25% · rural 25% / 35%)The second figure in each pair is for special-category applicants — SC, ST, OBC, minorities, women, ex-servicemen, persons with disabilities, NER, hill and border areas.
- 03
Your contribution
own share = eligible × 10% general · 5% special - 04
Bank term loan
bank loan = eligible − margin money − own shareBecause the margin money is adjusted against the loan after three years, the loan you finally repay is the cost less the margin money and your share.
- 05
Anything above the cap
excess = max(project cost − cap, 0)Self-funded, or financed with a separate loan outside PMEGP.
| Applicant | Urban | Rural | Own share |
|---|---|---|---|
| General category | 15% | 25% | 10% |
| Special category | 25% | 35% | 5% |
Before you build on these numbers.
What the figures include, what they leave out, and how the scheme money actually moves.
What is the maximum PMEGP project cost?
PMEGP funds manufacturing units up to ₹50 lakh and service/business units up to ₹20 lakh. Margin money (subsidy) ranges from 15% (urban general) to 35% (rural special category). Beneficiary contributes 5-10%; the bank lends the balance, and because the margin money is held as a term deposit and adjusted against that loan, the loan you repay is the project cost minus the margin money and your contribution.
Who is eligible for PMEGP?
Indian citizens above 18 years, minimum 8th pass (for projects above ₹10L manufacturing / ₹5L service), no income ceiling. Only new units are eligible — existing units are not.
What is "Special Category" under PMEGP?
Special Category includes SC, ST, OBC, Minorities, Women, Ex-Servicemen, Physically Handicapped, NER, Hill & Border areas. They get higher margin money (25% urban, 35% rural) and lower own contribution (5% vs 10%).
How is PMEGP margin money disbursed?
The bank sanctions a term loan for the project cost less your own contribution. The margin money (subsidy) is held as a term deposit in the beneficiary's name and adjusted against the loan after 3 years of successful operation (EDP training certificate + physical verification by KVIC/KVIB/DIC), so the loan you repay is the project cost minus the margin money and your contribution.
Does AgriMotion file PMEGP applications?
Yes. We prepare PMEGP-compliant project reports for cold storage, mushroom units, dairy infra, solar dryers, food processing, polyhouse setups and other agri/manufacturing units. End-to-end: DPR, online application, EDP enrolment, bank coordination and final claim filing.
Smaller mushroom units often run on PMEGP
Turn these figures into a PMEGP-ready report.
Your inputs: Manufacturing unit, rural, general category, project cost ₹25,00,000 — margin money ₹6,25,000, own contribution ₹2,50,000, bank loan ₹16,25,000. Mention them in the form, or send them on WhatsApp so the reply starts from them.
- An engineer calls backUsually the same working day — someone who can talk loads, layouts and schemes.
- An indicative estimateCapex range, scheme fit and next steps, before any paid DPR work.
- No obligationYour details are used only to reply to this enquiry.