Top Sarkari Loan Yojana 2025 Bina Guarantee ke

 Agar aap business shuru karna chahte hain lekin paise ki dikkat hai, toh 2025 mein kai sarkari yojanayein hai jo aapko bina kisi collateral (guarantee) ke loan deti hain.

Yeh yojanayein specially banayi gayi hain youth, mahilao, MSME aur naye startup ke liye. Aaiye jaante hain top loan yojana jo 2025 mein aapke kaam aa sakti hain.

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1. ✅ PM Mudra Yojana

Sabse popular yojana hai jisme aapko Rs.10 lakh tak ka loan milta hai bina kisi guarantee ke.

Kaun le sakta hai:

• Naye business shuru karne wale log

• Small dukan waale, service provider, delivery boys

• Mahila entrepreneur

Teen category hoti hain:

• Shishu (Rs.50,000 tak)

• Kishore (Rs.50k–5 lakh)

• Tarun (5 lakh–10 lakh)

Loan directly bank se milta hai, aapko koi bhi security nahi deni hoti.

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2. ✅ Stand-Up India Yojana

Yeh yojana Mahila aur SC/ST entrepreneurs ke liye hai. Isme ₹10 lakh se ₹1 crore tak ka loan milta hai greenfield business ke liye.

Eligibility:

• Mahila ya SC/ST vyakti

• Pehli baar business shuru kar rahe ho

• Loan sirf naye business (manufacturing, trading ya service) ke liye hi milta hai

Loan ke liye CGTMSE se guarantee cover milta hai, toh collateral ki zarurat nahi hoti.

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3. ✅ PMEGP (Prime Minister’s Employment Generation Programme)

Isme Rs.25 lakh tak ka loan milta hai manufacturing ke liye, aur Rs.10 lakh tak service business ke liye.

Key points:

• No personal guarantee chahiye

• Rural area mein subsidy 35% tak

• Sirf 8th pass hona zaroori hai

• New unit shuru karne ke liye perfect hai

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4. ✅ CGTMSE Scheme

Ye ek loan guarantee scheme hai jisme bank ko risk ka cover milta hai, aapko collateral dene ki zarurat nahi.

Loan Limit: Rs.5 crore tak

Beneficiary: MSME, traders, self-employed

Apply: Apne bank se directly baat karein

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5. ✅ Startup India Seed Fund Scheme

Naye startups ke liye hai jinka idea unique hai. Prototype development aur product launch ke liye paisa milta hai.

Eligibility:

• DPIIT registered startup

• 2 saal se kam purana

• Business scalable hona chahiye

Seed fund aapko business shuru karne mein madad karta hai.

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📝 Apply Kaise Karein? (Apply Links)

Yeh sabhi schemes ke official website par jaakar online apply kar sakte hain:

• https://www.mudra.org.in

• https://www.standupmitra.in

• https://www.kviconline.gov.in

• https://startupindia.gov.in

🚫 Kisi agent ke chakkar mein na padhein. Sab process free hai.

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🔗 Related Post:

👉 Top Govt Schemes in India 2025 for Youth & Women

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📌 Final Thoughts

2025 mein bina guarantee ke loan milna possible hai — sarkar aapke business idea ko support kar rahi hai. Bas sahi yojana choose kijiye, aur apply kariye official portal se.

✅ Apni journey start kijiye – India ab Aatmanirbhar ban raha hai!

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❓ FAQ 

Q: Mudra Loan mein kitna paisa milta hai bina guarantee ke?

A: 10 lakh tak ka loan milta hai bina kisi collateral ke.

Q: PMEGP scheme kaise kaam karti hai?

A: Isme aapko manufacturing ya service business ke liye loan milta hai, jisme subsidy bhi milti hai.

Q: Mahilao ke liye kaunsi sarkari loan yojana hai?

A: Stand-Up India aur Mudra Yojana mahilao ke liye best option hai bina guarantee ke loan lene ke liye.

👤 About the Author: Piyush Sharma

Piyush Sharma is a seasoned content creator with over 15 years of experience in blog writing and digital publishing. He is the founder of the reputed website MultibaggerStockIdeas.com, which he has been successfully managing for more than 18 years.

Holding degrees in Science, Business Administration (India & Australia), and Professional Accounting from Australia, Piyush brings a unique blend of academic depth and business expertise. He is also actively involved in the stock market sector in India.