Startup Grants & Government Loan Advisory
Access non-dilutive capital and government-backed seed funding. SNB Consultancy assists DPIIT-recognized Indian startups in structuring winning grant proposals for the Startup India Seed Fund Scheme (SISFS), NIDHI Prayas, BIRAC BIG, and CGTMSE collateral-free bank loans.
The Government of India and Ministry of Commerce have earmarked thousands of crores in non-dilutive grant capital and collateral-free loan guarantees to foster early-stage innovation. However, navigating incubator selections, grant milestones, and bank credit risk evaluations requires structured documentation.
Our Startup Grant & Loan Services Include:
- Startup India Seed Fund Scheme (SISFS) grant application drafting (up to ₹20 Lakh proof of concept grant & ₹50 Lakh debt seed support)
- NIDHI Prayas & BIRAC BIG grant proposals for hardware, biotech, and deeptech startups
- CGTMSE collateral-free bank loan project reports (up to ₹5 Crore credit guarantee cover)
- Incubator presentation coaching and milestone defense advisory
- Grant utilization certificate (UC) preparation and compliance reporting
Major Government Grant & Loan Schemes in India
Early-stage startups can leverage several non-dilutive capital pools before raising venture capital:
Government Funding Scheme Comparison
| Government Scheme | Funding Amount & Nature | Key Eligibility Criteria |
|---|---|---|
| SISFS (Startup India Seed Fund) | Up to ₹20 Lakh Grant (POC/Prototype) & ₹50 Lakh Debt/Convertibles | DPIIT-recognized startup incorporated under 2 years with innovative POC. |
| NIDHI Prayas (DST) | Up to ₹10 Lakh Grant for physical prototype development | Hardware, IoT, robotics, or manufacturing innovation. |
| BIRAC BIG (Biotech Ignition Grant) | Up to ₹50 Lakh Grant for biotech & healthcare innovation | Pharma, MedTech, bio-agri, or life sciences startup. |
| CGTMSE Credit Guarantee | Up to ₹5 Crore Collateral-Free Bank Working Capital / Term Loan | MSME / DPIIT startup with viable business model & positive debt-service ratio. |
Documents Required for Grant & Loan Applications
- DPIIT Recognition Certificate: Official Startup India recognition letter and Udyam MSME certificate.
- Pitch Deck & Executive Summary: Highlighting problem statement, novel technology, market size, and commercialization roadmap.
- Detailed Project Report (DPR): 3-to-5 year financial model, fund utilization plan, and break-even analysis.
- Founder KYC & Cap-Table: PAN, Aadhaar, and shareholding pattern certified by a Chartered Accountant.
Related services
Other Fundraising & Valuation services SNB handles.
Investor Pitch Deck
Institutional investor pitch presentations highlighting TAM/SAM/SOM market size, business model, traction, and capital request.
ViewFinancial Projections & Modeling
Dynamic 3-statement financial models (P&L, Balance Sheet, Cash Flow) with scenario analysis and unit economics.
ViewDetailed Project Report (DPR)
Bankable DPR preparation formatted specifically for bank debt syndication, SIDBI loans, and government schemes.
ViewValuation Report & Certificate
Certified valuation reports by Registered Valuers & Chartered Accountants using DCF and Net Asset methods.
ViewSecure Government Grant Funding
Partner with SNB Consultancy for grant application drafting, incubator presentation coaching, and CGTMSE loan dossier preparation.
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