Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Interest Subsidy to Micro, Small and Medium Enterprise (Service Sector)
Industries and Mines Department, Government of Gujarat · Central government
Gujarat's interest subsidy on term loans funds service-sector MSMEs, easing repayment to support their growth and investment.
Open for applications. Applications close on 4 October 2027 — 381 days left.
Key facts
- Subsidy amount
- ₹1,25,00,000 – ₹2,45,00,000
- Instrument
- Subsidy
- Deadline
- 4 October 2027
- Disbursement
- Reimbursed after spend
About this scheme
The Industries and Mines Department, Government of Gujarat, runs the Aatmanirbhar Gujarat Scheme for MSMEs. This umbrella scheme supports the state's Micro, Small and Medium Enterprise sector, which contributes to employment generation, Gross Domestic Product and export revenues in Gujarat. It came into force on October 5, 2022, and remains in operation until October 4, 2027.
One component of the scheme, "Assistance for Interest Subsidy to Micro, Small and Medium Enterprise (Service Sector)," is directed at micro-enterprises in the service sector. It offers an interest subsidy on term loans taken for new investments, with the aim of easing their financial burden.
Through this support, the state government seeks to encourage growth and fresh investment in machinery, equipment and fixtures, in line with the objectives of Aatmanirbhar Gujarat and Aatmanirbhar Bharat.
Who can apply
- Eligible business forms
- Private limited company, Limited liability partnership, One person company, Partnership firm, Sole proprietorship
- Udyam registration
- Not specified
- MSME registration
- Required
- DPIIT startup recognition
- Not required
- GST registration
- Not specified
- Where the business may be based
- Gujarat
- The applicant must be a Micro, Small, or Medium enterprise engaged in the service sector. - The enterprise must hold acknowledgment or registration from the Ministry of MSME or the Department for Promotion of Industry and Internal Trade (DPIIT), whichever applies. - Eligibility for an interest subsidy on term loans is limited to new service-sector MSMEs, and the loan must be for new machinery, equipment, and furniture/fixtures (land and building excluded). - The application must be filed online no later than one year from the earliest of the following being the latest: first loan disbursement, commencement of commercial production/services, or GR issue date. - The application must reach before the scheme's last operative date, October 4, 2027. - The enterprise must pay its instalments and interest to the bank/financial institution on a regular basis.
How to apply
1. **Step 1: Register as a new investor:** Go to the Investor Facilitation Portal (IFP) at https://ifp.gujarat.gov.in/DIGIGOV/. Select the "New Investor Registration" option to open the registration form.
2. **Step 2: Complete and submit the registration form:** Fill in every mandatory field with correct particulars about your enterprise. Once done, press "Submit."
3. **Step 3: Verify your email:** A verification link will arrive at the email ID you registered. Open that link to confirm your account.
4. **Step 4: Registration confirmed:** Once the email is verified, your investor account stands registered on the portal.
5. **Step 5: Log in:** Return to the Investor Facilitation Portal (IFP) and select "Login."
6. **Step 6: Provide your credentials:** Sign in using the email address and password created at registration.
7. **Step 7: Reach your account:** Press the "Login" button to open your personalised account dashboard.
8. **Step 8: Finish the application:** After signing in, go to the application section for the interest subsidy scheme. Enter all required particulars about your business and upload the mandatory documents listed in the scheme guidelines. Check that every detail is accurate and complete before you submit finally. It helps to have your incorporation documents, MSME/DPIIT registration, loan disbursement details, and project reports on hand.
How applications are assessed
Applications submitted online for the Aatmanirbhar Gujarat Interest Subsidy scheme are first screened to confirm that eligibility conditions are satisfied — enterprise type, service sector focus, and registration status (MSME/DPIIT). The term loan particulars, investment in new assets such as machinery, equipment and furniture or fixtures, and conformity with the scheme's guidelines are then examined in detail, along with the enterprise's record of paying loan instalments and interest to the bank or financial institution.
Approval and release of the subsidy rest on the outcome of these checks and on the applicant meeting the scheme's terms and conditions. The designated committee or authority within the Industries and Mines Department takes this final decision.
Frequently asked questions
What is the Aatmanirbhar Gujarat Scheme for MSMEs (Service Sector)?
Gujarat's Industries and Mines Department runs this scheme, which offers an interest subsidy on term loans to service-sector MSMEs to support their growth and investment in new assets under the 'Aatmanirbhar Gujarat' vision.
Who is eligible to apply for this interest subsidy?
Service-sector MSMEs that are newly established may apply, provided they hold valid MSME or DPIIT registration and repay their term loan on schedule; the subsidy covers only purchases of new machinery, equipment, and furniture or fixtures.
What is the maximum amount of interest subsidy I can receive?
The maximum interest subsidy depends on the Taluka category, ranging from ₹25,00,000 per annum for 5 years in Category 3 and Municipal Corporation Areas to ₹35,00,000 per annum for 7 years in Category 1 Talukas, with the total subsidy reaching up to ₹2.45 crore over the entire period.
When is the deadline to apply for this scheme?
The scheme remains in force until October 4, 2027, and applications must be filed online within one year of whichever is latest — the first loan disbursement, the start of commercial production or services, or the GR issue date — and in any case before the scheme's closing date.
What kind of investments are covered under this subsidy?
Interest subsidy applies only to term loans used for new machinery, equipment and furniture or fixtures; it does not cover investment in land and building.
How do I apply for the interest subsidy?
Apply online via the Gujarat government's Investor Facilitation Portal (IFP): register as a new investor, verify your email, then log in to complete the application form with the required business details and mandatory documents.
Sectors
- Msme
- Interest Subsidy
- Gujarat
- Service Sector
Details last verified on 18 September 2026. Source: the issuer's published information.