Subsidies

In order to encourage setting up of industries and various other things required for the development of Nation/State, both Central and State Government provide various Subsidy Schemes and the benefit of which can be taken while setting up an industry/ services/self-employment.

We work on all subsidy schemes which are from the State or Central government which are for the respective business

Credit Linked Capital Subsidy Scheme (CLCSS)

Maximum  limit  of loan  under the  scheme  is  Rs.100.00 lacs

  • Ceiling on Capital Subsidy would be 15 % of the eligible investment in new plant and machinery or Rs. 15 lakh, whichever is lower
  • Units may be registered as –
    • Sole Proprietorship
    • Partnerships
    • Co-op Societies
    • Private and Public Limited companies in the MSE sector

CGTMSE Scheme

Loan Amount :  10 lacs – 200 lacs.

Eligibility Criteria:

  • This scheme is available for micro and small enterprises where the Government of India has enacted the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006 in terms of which the definition of micro and small enterprises is as under:

Enterprises engaged in the manufacture or production, processing or preservation of goods as specified below:

    • A micro enterprise is an enterprise where investment in plant and machinery does not exceed Rs. 25 lakh;
    • A small enterprise is an enterprise where the investment in plant and machinery is more than Rs. 25 lakh but does not exceed Rs. 5 crore.
  • The scheme is for Manufacturing/Services Sector.
  • Applicant should not be a defaulter in any bank or FI and if he has already taken any benefit under govt. scheme of self-employment or entrepreneurship so he is not eligible for this scheme.

Mudra Yojana

Loan Amount :  50,000 – 10 lacs

Eligibility Criteria: Scheme is for Manufacturing/Processing /Agricultural/Service/Trading activities.

Mukhya Mantri Yuva Udhyami Yojna

Loan Amount : 10 lacs-100 lacs

Benefits: 15% Subsidy ( Max. 12 lacs) and 5% Interest Subsidy up to 7 years.

Eligibility Criteria:

  • Project should be in MP.
  • Applicant should be Domicile of MP and 10th standard pass.
  • Age should be 18 to 40 years.
  • Applicant should not be a defaulter in any bank or FI and if he has already taken any benefit under govt. scheme of self-employment or entrepreneurship so he is not eligible for this scheme.
  • A scheme is for Manufacturing/Services/Trading Sector.

Mukhya Mantri Swarojgar Yojna

Loan Amount : .50 lacs – 10 lacs

Benefits: 15% Subsidy ( Max. 1 lacs) and 5% Interest Subsidy upto 7 years (Max. Rs. 25000/- Yearly)

Eligibility Criteria:

  • Project should be in MP.
  • Applicant should be Domicile of MP and 5th standard pass.
  • Age should be 18 to 40 years.
  • Applicant should not be a defaulter in any bank or FI and if he has already taken any benefit under govt. scheme of self-employment or entrepreneurship so he is not eligible for this scheme.
  • scheme is for Manufacturing/Services/Trading Sector.

Stand Up India ( Women Entrepreneurship)

Loan Amount: 10 lacs-100 lacs

Eligibility Criteria:

  • There should be at least one Scheduled Caste (SC) and Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise.
  • In case of non-individual enterprise shareholding of women should be more than 51%.
  • Applicant should not be defaulter in any bank or FI and if he has already taken any benefit under govt. scheme of self employment or entrepreneurship so he is not eligible for this scheme.
  • Scheme is for Manufacturing/services/Trading Sector.

Pradhan Mantri Awas Yojna

“Home is the starting place of love, hope and dreams”. Housing is a dream for weaker sections of the society but under this scheme your dream will turn to reality.

It basically targets the Middle Income Group (MIG), Lower Income Group (LIG) and Economic weaker section of society (EWS).

Eligibility Criteria for scheme:

  • The beneficiary family should not own a house either in his/her name or in the name of beneficiary family members.
  • The house to be purchased should contain female ownership mandatorily.(It is mandatory only in case of EWS/LIG but not in MIG-I and MIG-II)
  • Property should fall within 4452 statutory towns as per 2011 census and other areas as notified from time to time.

Below mentioned is the brief guideline of PMAY scheme-

CRITERIA EWS+LIG MIG-I MIG-II
Annual Income Upto Rs. 6 Lakh Rs. 6lakh-12 lakh Rs. 12lakh-18lakh
Carpet Area 322-645 sqft 645-1290 sqft 1290-1615 sqft
Woman ownership Yes (Except for construction) NA NA
Max Loan Amt Upto 6 lakh Upto 9 lakh Upto 12 lakh
Subsidy% 6.5% 4% 3%
Subsidy Amt Rs. 2.67 lakh Rs.2.35 lakh Rs. 2.3 lakh
Tenure of loan 20 yrs 20 yrs 20 yrs
Property should be 1 home of family 1 home of family 1 home of family
Loan purpose Purchase/Self Construction/ Extension Purchase/Self Construction Purchase/Self Construction

Moksha Financial Services Pvt Ltd will turn your dream into reality. It is the path which will lead to your own house. We always keep client requirements first & foremost and will get your requirement done at lowest affordable rates. So come to Moksha Finance to fulfill your dream.

Affordable Housing

‘Housing is a question of will…and not a rocket science’.

A stable home in our lives is at the center of our happiness. It affects all aspects of our society. Nothing is better than going home and eating food with family.

Affordable housing refers to housing units that are affordable by that section of the society whose income is below the medium household income. It addresses the housing needs of the lower or middle income households.

In present scenario, home loan from a Bank or NBFC needs a lot of documentation and you have to fit in their criteria for getting your loan. But we at Moksha Financial Services Pvt Ltd will get your loan done on minimum documentation and lowest affordable rates.

As the government is aiming for “Housing for all by 2022” so we are also contributing in this mission by arranging affordable housing loans for lower and middle income groups.

Following cases can be covered under this scheme-

  • Cash salaried person
  • Self employed person with no Income tax Returns
  • Legal issues in property.
  • Acceptable issues in your CIBIL score.

As currently banks do not provide loan to a layman with above matters. But we have tie ups with NBFCs and Nationalised banks who provide timely loans at lowest affordable rates, on specific cases.