Ministry of Social Justice and Empowerment
PM-SURAJ National Portal
Concessional loans up to ₹15 lakh for starting or growing a business, plus education loans for marginalised community students
A national portal by the Ministry of Social Justice and Empowerment that provides concessional loans to marginalised entrepreneurs — Scheduled Castes, Scheduled Tribes, OBCs, and sanitation workers — bringing NSFDC, NSKFDC, NBCFDC, and NSTFDC loan schemes onto one digital platform.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 100 years?
Is your annual family income under ₹1 Cr?
Do you live in India?
Benefit Details
Concessional loans up to ₹15 lakh for starting or growing a business, plus education loans for marginalised community students
Provided by Central Government
Eligibility Criteria
Individuals belonging to Scheduled Castes, Scheduled Tribes, Other Backward Classes, or engaged in sanitation work, seeking a business or education loan
18 to 100 years
Up to ₹1 Cr / year
Rural & Urban (Both)
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Register on portal
onlineVisit pmsuraj.dosje.gov.in and create an account with mobile/Aadhaar
Select loan category
onlineChoose the relevant corporation scheme (NSFDC/NSKFDC/NBCFDC/NSTFDC) based on your community
Fill application and upload documents
onlineSubmit caste certificate, business plan, and bank details
Verification
offlineApplication is verified by the concerned corporation/district office
Loan disbursal
onlineApproved loan amount is disbursed directly to your bank account
Frequently Asked Questions
Quick Summary
Related Schemes
Pradhan Mantri MUDRA Yojana (PMMY)
Collateral-free business loans up to ₹20 lakh for micro and small businesses in manufacturing, trading, and services sectors at competitive interest rates
PM Vishwakarma Yojana
₹15,000 toolkit grant + Vishwakarma Certificate + skill training with ₹500/day stipend + collateral-free loan up to ₹3 lakh at 5% concessional rate
Startup India
DPIIT recognition certificate + 3-year income tax holiday under Section 80-IAC + angel tax exemption + 50–80% reduction in patent/trademark fees + priority in government tenders + self-certification for 9 labour laws + faster company winding-up (90 days)
Udyam Registration (MSME)
Free MSME registration with permanent 19-digit URN — unlocks collateral-free priority sector loans, 1–2% interest subvention, delayed payment protection (within 45 days), government tender reservations, and multiple state-level subsidies
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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