Practical planning tools
30 simple tools to help you think through support, loans, interest savings, and funding gaps before you speak to a bank or department.
Each calculator uses the assumptions shown on its page. It cannot tell you if you qualify, promise approval, or replace the latest official notice.
Planning calculator
Subsidy = Project cost × rate. Rates: urban 15% general / 25% special; rural 25% / 35%. Your contribution: 10% general, 5% special. Bank lends the rest. Caps: Rs 50L manufacturing, Rs 20L services.
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Subsidy = Fixed capital × (base + stacks). Base 15%; women/young(18-45)/SC-ST/NRK 25%. +10% priority sector. +10% district (PTA/IDK/WYD/KSD). Cap Rs 40L. No loan required.
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Ceilings: Shishu 50k · Kishore 5L · Tarun 10L · Tarun Plus 20L (post-Tarun repayment). No subsidy; EMI = standard amortisation at the bank's quoted rate.
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Subsidy = 35% of eligible project cost, cap Rs 10L, credit-linked (back-ended). SHG seed capital: per-member support via federation.
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Subsidy = 50% of project cost, capped by line: goat/sheep 50L · poultry 25L · pig 30L · feed-fodder 50L. Paid in TWO instalments against verified progress; balance via bank + own funds.
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Assistance = 40% of approved cost (50% for SC/ST, women, small/marginal), per-machine caps by catalogue.
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Assistance ≈ 80% of project cost for registered groups (historic Rs 8L on Rs 10L; larger ceilings per current circular. verify).
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Capital subsidy = 15% of project cost, cap Rs 3L, plus interest support on the loan per scheme terms.
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Loan Rs 10L-1cr (composite: term + working capital), margin per bank (scheme envisages up to ~15% promoter side, reducible via convergence with subsidy schemes).
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Loan up to Rs 50L at concessional (~5%) with extended moratorium; margin per KSIDC appraisal.
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Layered: start-up fund + CEF support + interest subvention on linked bank loans; amounts per current mission norms and CDS process.
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Scheme-wise ceilings and concessional rates per current notification; income limits gate entry.
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Concessional loans per scheme line (self-employment, enterprise, vehicle), NSFDC-refinanced rates below market; ceilings per line.
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Ladder: 10k → 20k → 50k on timely repayment; interest subsidy (7%) credited; digital cashback per activity.
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Toolkit incentive (e-voucher) + loans: tranche 1 Rs 1L, tranche 2 Rs 2L at 5% (heavy subvention above), + training stipend/day.
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Guarantee cover by slab (higher % for micro, women, special categories) on eligible loans; annual guarantee fee ~ fractions of a percent of outstanding, per current schedule.
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Cost: zero. Benefit: priority-sector status, scheme gates opened, 45-day payment protection, purchase preferences.
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Subvention = notified % of interest for eligible tenure. Value = loan × % × years.
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3% subvention up to 7 years on loans to Rs 2cr per project; guarantee cover per norms.
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Facility sized to order value × margin norms; interest at KFC's quoted rate; drawdowns against stages.
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Subsidy = 15% (20% hill) of expansion cost; ceilings Rs 1cr mfg / 25L services; margin ~10%.
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Grant covers a share of promoter margin per current order, alongside the bank term loan.
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Rung-wise grants (idea → productization → scale) with revised ceilings; seed loans; patent reimbursements. per current KSUM schedule.
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Up to Rs 20L grant (PoC) + up to Rs 50L convertible debt (market entry), incubator-routed.
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Back-ended subsidy ~36% general / 44% priority on projects to ceilings (individual ~20-25L; groups higher), NABARD-linked.
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Component-wise unit costs × 40% (general) / 60% (women, SC/ST).
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Management cost support (formation years) + equity match (member shareholding matched to ceiling) + credit guarantee on borrowings.
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Pump components: combined central+state support on benchmark costs (substantial share); plant component: feed-in economics per tariff.
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3% subvention on large loans (processing/feed plants), long tenure, guarantee support; promoter margin per norms.
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Interest-free loan with substantial subsidy portion (around half per current norms) at micro scale.
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