Atmanirbhar Bharat Loan Schemes 2026 Application / Registration Forms

Atmanirbhar Bharat Abhiyan is the central government's Rs 20 lakh crore economic package announced in May 2020 to make India self reliant. Under this package, the government announced a number of loan schemes for different sectors. This article explains how to apply online for Atmanirbhar Bharat Loan Schemes 2026.

These loan schemes under the Self Reliant India campaign include MSME loans, Kisan Credit Card (KCC) loans, Street Vendors loans, Shishu Mudra loans, PM Awas Yojana Credit Linked Subsidy Scheme (PMAY-CLSS) loans and more. Eligible people can apply for these loan schemes through the Union government of India.

For this, interested applicants have to fill the Atmanirbhar Bharat Loan Schemes application / registration form. The Rs 20 lakh crore economic booster package (tranches 1 to 5) was announced on 13th, 14th, 15th, 16th and 17th May 2020 by Finance Minister Nirmala Sitharaman and these announcements are now being realized.

Atmanirbhar Bharat Loan Schemes 2026 Apply Online Form

PM Modi's vision of the Rs 20 lakh crore package was announced in 5 tranche economic doses. Below is the direct apply online process to avail benefits of various loan schemes announced in different tranches of Atmanirbhar Bharat Abhiyan 2026 package.

Kisan Credit Card (KCC) Loans

Around Rs 2 lakh crore concessional credit is extended for Kisan Credit Card (KCC) Scheme by the central government. Around 2.5 crore farmers benefit from this KCC scheme. Fisheries and animal husbandry farmers are included in KCC Scheme. People can take the following benefits by applying online for KCC Scheme.

• The interest rate offered on the loan can go as low as 2.00%.
• Banks do not seek security on loans up to Rs 1.60 lakh.
• Crop insurance coverage against a variety of natural calamities is given to the users.
• The farmer is provided insurance coverage against permanent disability, death and other risks.
• The repayment period is decided on the basis of harvesting of crop and its marketing period. Maximum loan up to Rs 3 lakh can be availed by a KCC card holder.
• Farmers who deposit their money in the Kisan Credit Card account get a high rate of interest. Farmers are charged simple interest rate when they make prompt payment.
• To apply online, click the link pmkisan.gov.in/Documents/Kcc.pdf to open the single page Kisan Credit Card (KCC) application form.
• The PM Kisan Credit Card Scheme 2026 online application form for PDF download will appear as below.

All farmers between 18 to 75 years of age can take benefits of Kisan Credit Card (KCC Scheme). In case a borrower is a senior citizen (age more than 60 years), a co-borrower is required where the co-borrower should be a legal heir. All farmers including individuals/joint cultivators, owners, tenant farmers, oral lessees and sharecroppers are eligible.

Other initiatives for farmers include creation of Farm Based Infrastructure (Rs 1 lakh crore), Micro Food enterprises (Rs 10,000 crore), PM Matsya Sampada Yojana (Rs 20,000 crore), FMD Livestock Disease Control Scheme (Rs 13,000 crore), Animal Husbandry Infrastructure Development Fund (Rs 15,000 crore), Promotion of herbal cultivation (Rs 4,000 crore), Promotion of Bee keeping (Rs 500 crore), TOP to Total: Operation Greens (additional Rs 500 crore).

CLSS Loans under PM Awas Yojana

To avail interest subsidy under the CLSS vertical, the applicant should have a sanctioned housing loan and meet the eligibility criteria as per the scheme rules. PMAY Urban has now moved to PMAY-U 2.0, which provides financial support to urban poor and middle class families to construct, purchase or rent a house. The official portal for PMAY Urban is pmay-urban.gov.in.

• Check your eligibility for CLSS Subsidy through the PMAY Urban portal.
• CLSS subsidy application may be submitted to the concerned Bank/HFC branch.
• Track your application status through the CLSS tracker on the PMAY Urban portal.
• UMANG platform https://pmay-urban.gov.in/umang
• People can apply online for PMAY through the official website https://pmaymis.gov.in/ and then selecting the "Apply Online" link under the "Citizen Assessment" section.
• At this page, enter your Aadhaar number or Virtual ID and name as per Aadhaar Card and click the "Check" button. If your Aadhaar number and name match, then the PMAY CLSS Loan Apply Online Form will appear as shown below.

For complete process and detailed information, click PMAY CLSS Application / Registration Process.

This extension of PMAY CLSS Scheme for EWS / LIG households leads to more investment in the housing sector in India.

Street Vendors Loan Scheme - PM Svanidhi Yojana

PM Svanidhi Yojana has been launched by the central government as the Street Vendors Loan Scheme. The official website to apply online for Street Vendors Loan is https://pmsvanidhi.mohua.gov.in/. Go to this page, then hit at "Apply for Loan", then fill the form and submit it to get a working capital loan. It is a special micro credit facility for street vendors. The portal now offers enhanced loan limits of Rs 15,000, Rs 25,000 and Rs 50,000 for different loan terms, and vendors from Census Towns are also eligible. In order to check the complete process, click at the link PM Svanidhi Scheme Application / Registration Process.

Shishu Loans under MUDRA Yojana

Small businesses under MUDRA were disrupted the most due to the Coronavirus (COVID-19) lockdown and it also impacted their capacity to pay EMIs. So, a loan moratorium was granted by RBI. The current portfolio of MUDRA-Shishu loans is Rs 1.62 lakh crore (maximum loan amount of Rs 50,000). The Government of India provides interest subvention of 2% for prompt payees for a period of 12 months. This provides relief of Rs 1,500 crore to MUDRA-Shishu loanees. People can check the process here PM Mudra Yojana Shishu Loans Apply Online / Offline Form.

The Mudra Shishu Loan Yojana application form will appear as shown below.

All the interested people who want to avail the Shishu Mudra loans along with benefits of Atmanirbhar Bharat Abhiyan package can now apply online or offline as suitable.

MSME Loans

The central government made a provision of Rs 3 lakh crore for the Micro, Small and Medium Enterprises sector. These business loans can be used for setting up a new enterprise or stepping up (expansion, diversification, modernization, technology up-gradation). These can be for the following purposes.

• Acquisition of factory, land and construction of building spaces.
• Purchase of plant and machinery including lab equipment, testing equipment, furniture, electric fittings etc.
• Meeting working capital requirements like raw materials, stock-in-progress, finished goods etc.
• Trade finance (bill discounting) for paying the creditors, while awaiting payment from debtors.
• Launch of new product range, expansion of business, warehousing need, credit for marketing and advertising purpose.
• Additional monetary assistance for any eligible purpose.
• To apply online, visit the SIDBI Udyami Mitra portal at https://www.udyamimitra.in/ and register yourself.
• The page to apply online for MSME Loans at the SIDBI Udyami Mitra website will appear as shown below.

You will have choices of a wider range of lenders (Banks / NBFCs / SFBs / FinTechs) who can access your application and according to your geographic location the nearest lender may approach you or a fintech from another city may also touch base with you. This means you can apply online 24/7. You can apply even in your spare time at leisure. If you have your budget / documents / information ready, you will find the application forms are easy to fill in.

The definition of MSMEs was changed with an increase in investment limit and size along with turnover size. Moreover, the differentiation between manufacturing and service MSME was removed. Now, all global tenders up to Rs 200 crore are disallowed and government procurement tenders up to Rs 200 crore are no longer on the global tender group. E-market linkage is also provided across the board in absence of trade fairs to promote e-commerce. Within 45 days, CPSEs and Government of India clear their receivables.