Mizoram Interest Subsidy 2025
Department of Commerce and Industries, Government of Mizoram · Central government
Mizoram pays up to 5% yearly of a new MSME's term-loan interest for 5 years, capped at Rs 10 lakh a year.
Open, rolling. Applications are accepted continuously — there is no deadline.
Key facts
- Subsidy amount
- Up to ₹10,00,000
- Instrument
- Subsidy
- Deadline
- Rolling
- Disbursement
- Reimbursed after spend
About this scheme
The Industrial and Investment Policy of Mizoram 2025 provides interest relief to new MSME units. Under this, interest paid on a term loan is subsidised at a rate of up to 5% per annum, applicable for the first five years.
The subsidy is subject to a ceiling. In any full year, the total subsidy is capped at Rs 10 lakh of term-loan interest paid by the unit. Where the effective interest rate is below 5%, the actual rate applies; where it is higher, the unit bears the difference.
The loan terms themselves remain unchanged. Repayment to the bank is still made in full.
Who can apply
- Eligible business forms
- Not specified
- Udyam registration
- Not specified
- MSME registration
- Required
- DPIIT startup recognition
- Not required
- GST registration
- Not specified
- Where the business may be based
- Mizoram
- The unit must be a new MSME located in Mizoram. - The unit must hold an outstanding term loan from a financial institution. - The subsidy applies for an initial period of 5 years. - The claim is capped at interest of Rs 10 lakh paid within a full year.
How to apply
1. Avail the term loan from your bank or financial institution and repay it as per the agreed schedule. 2. Secure an interest certificate from the lender that records the interest actually paid during the year. 3. Submit the yearly interest-subsidy claim to the Department of Commerce & Industries, Government of Mizoram. 4. Enclose the Udyam/MSME registration, the loan sanction letter and the interest certificate issued by the lender.
How applications are assessed
The department checks the interest certificate submitted by the lender before releasing any subsidy. Once verified, the subsidy is paid at a rate of up to 5% per annum, subject to the annual claim ceiling.
Frequently asked questions
How much interest is subsidised?
Interest subvention of up to 5% per annum is available on the term loan.
How long does the subsidy run?
An initial period of 5 years.
Is there an annual cap?
Yes, but the claim is capped at Rs 10 lakh of interest paid over a full year.
Does this replace my loan repayment?
No. You remain responsible for servicing the loan, while the state reimburses a portion of the interest.
Which loans qualify?
Term loans availed by the industrial unit are covered under this clause, along with the interest paid on them.
Sectors
- Mizoram
- Msme
- Interest Subsidy
- Term Loan
- State Policy
- Working Capital
Details last verified on 18 September 2026. Source: the issuer's published information.