KidharMilega

ODOP Loan Scheme & PMFME: How a District-Product Business Gets 35% Capital Subsidy

13 min read·Oct 19, 2026

Table of contents

Food ka chhota business hai ya shuru karna hai, aur kisi ne bola "ODOP loan scheme mein 35% subsidy milti hai"? Baat sahi hai, par aadhi. 35% wali subsidy MoFPI ki PMFME scheme se aati hai, sirf food processing ke liye. Woh cash haath mein nahi aata. Bank ke loan se judi hoti hai, teen saal bank ke paas parked rehti hai, aur ek unit ke liye max ₹10 lakh hai.

Google Trends pe "what is odop scheme" pichhle 3 mahine mein Breakout hai, aur "odop loan scheme" +300% badha hai. Log paisa dhoondh rahe hain. Toh yahan sirf paise ki baat: PMFME kya fund karta hai, kya nahi, ek illustrative calculation, apply kaise hota hai, aur agar tumhara ODOP product food nahi hai (jaise moonj ya brass) toh state ka margin money route. ODOP khud kya hai, woh What is ODOP? pe hai.

Har amount MoFPI guidelines, PMFME portal ke documents, PIB aur UP ke government order se check kiya hai (October 2026 tak). Sources neeche hain.

Pehle yeh padh lo: October 2026 mein scheme ka status

PMFME 2020-21 se 2024-25 ke liye ₹10,000 crore ke outlay ke saath shuru hui thi. Phir 31 March 2026 tak extend hui (MoFPI OM, 30 September 2024). PMFME ke May 2026 newsletter ke hisaab se Department of Expenditure ne ise temporarily 30 September 2026 tak extend kiya.

Woh date nikal chuki hai. 11 October 2026 tak mujhe aage ke extension ka koi official order ya Cabinet approval nahi mila. BusinessLine ki 24 August 2026 ki report kehti hai ki MoFPI ne 2026-31 ke liye scheme continue karne ka proposal bheja hai, aur ₹10 lakh ki limit badhane ki baat bhi hai. Proposal hai, notification nahi.

Toh practical advice:

Apply karne se pehle apne district ke DNO (District Nodal Officer) ya DIC ko phone karke pucho: "PMFME mein naye applications abhi le rahe ho kya?"
Portal band ho, tab bhi documents aur DPR ready rakho. Scheme wapas khuli toh pehle hafte wale aage rahenge.
Neeche likhe numbers current guidelines ke hain. Naya version aaya toh limits badal sakti hain.

PMFME mein kya milta hai: ek table mein

Component	Kisko	Kitna	Shart
Credit-linked capital subsidy	Individual micro food processing unit (proprietor, partnership, SHG member, FPO, cooperative, Pvt Ltd bhi)	Eligible project cost ka 35%, max ₹10 lakh per unit	Bank loan zaroori. Apna hissa kam se kam 10%
Seed capital	SHG members jo already food processing mein hain	₹40,000 per member, max ₹4 lakh per SHG federation	Working capital aur chhote tools ke liye. SHG federation ke through, member ko loan ki tarah
Common infrastructure	FPO, FPC, SHG federation, cooperative, government agency	35%, max ₹3 crore	Total eligible project cost ₹10 crore tak. Capacity ka bada hissa doosron ko hire pe dena hoga
Branding & marketing	FPO/SHG/cooperative groups, state-level SPV ya agencies	Kharche ka 50% grant	Group ke liye, individual ke liye nahi
Training	Individual aur group applicants, SHG seed capital beneficiaries	Training (EDP aur product-specific)	State ki training agencies ke through

Ek bhaiya wali baat: zyadatar logon ke kaam ki sirf pehli row hai. Baaki groups ke liye hain.

Subsidy kis cheez pe milti hai, kis pe nahi

Eligible project cost = plant & machinery + technical civil work. Technical civil work eligible cost ke 30% se zyada nahi ho sakta.
Zameen ki cost nahi gini jaati. Kiraye ya lease ka workshed bhi eligible cost mein nahi aata.
Working capital pe koi subsidy nahi. Bank working capital limit alag se de sakta hai, par uspe 35% nahi milega.
Kuch kaam scheme se bahar hain: unprocessed anaj, masale ya fal-sabzi ka trading, loose doodh, beekeeping aur loose honey, oil ki repacking, poultry/goatry jaisa animal rearing, fresh fish/meat ki bikri, bani-banayi cheezon ki repacking, aur canteen, tiffin, restaurant jaisi food services.

Matlab processing honi chahiye. Makhana khareed ke bechna trading hai. Makhana roast karke, flavour karke, pack karke bechna processing hai.

Kaun apply kar sakta hai

May 2022 ke MoFPI OM ne 2020 wale guidelines badle. Ab ki shartein:

Naya unit bhi chalega, purane unit ka expansion ya upgradation bhi.
ODOP product wale unit ko preference milti hai, lekin non-ODOP food processing unit bhi eligible hai. DRP manual saaf likhta hai: ODOP aur non-ODOP dono, bina restriction.
Umar 18 saal se upar. Koi minimum padhai zaroori nahi.
Enterprise ka ownership tumhare paas ho.
Ek family se ek hi insaan. Family matlab khud, pati/patni aur bachche.
Kisi aur subsidy-linked government scheme mein bank loan liya hai, tab bhi PMFME ke liye eligible ho. Bas dono schemes ka benefit ek hi cheez pe double nahi hona chahiye.
Jo existing unit stress mein hai aur bank restructuring ke liye qualify karta hai, woh bhi upgradation ke liye apply kar sakta hai.

Worked example: Saharsa mein makhana processing unit

Yeh illustrative calculation hai. Sirf PMFME ke rules samjhane ke liye. Machinery aur civil work ke amounts maan liye gaye hain; asli quotation aur bank ka appraisal alag hoga.

Saharsa ka ODOP, dono lists mein, Makhana (Foxnut) hai. Registered GI "Mithila Makhana" hai (GI application no. 696). Maan lo tum roasting, flavouring aur packing ka chhota unit lagate ho:

Machinery: ₹7.5 lakh (maana gaya)
Technical civil work: ₹2.5 lakh (maana gaya). Yeh ₹10 lakh ka 25% hai, 30% ki limit ke andar.
Eligible project cost: ₹10 lakh. Zameen ya kiraye ka shed isme nahi hai.

Ab rules lagao:

Tumhara hissa, kam se kam 10%: ₹1 lakh.
Bank loan, baaki: ₹9 lakh.
Subsidy, eligible cost ka 35%: ₹3.5 lakh. ₹10 lakh ki limit ke andar hai.
Yeh ₹3.5 lakh bank ke paas tumhare loan ke saath ek alag "transient account" mein park hota hai.
Bank ko grant milne ki date se loan ke ₹3.5 lakh wale hisse pe interest nahi lagta. Interest sirf ₹5.5 lakh pe. Maan lo bank 10% leta hai (assumption, tumhara rate alag hoga): toh saal ka lagbhag ₹35,000 interest bachta hai.
Last loan disbursement ke 3 saal baad account standard hai aur unit chal raha hai, toh ₹3.5 lakh loan mein adjust ho jaata hai.
3 saal ke andar account NPA ho gaya, toh woh grant bank tumhari repayment mein adjust kar leta hai. Default ka matlab subsidy ka faayda gaya.

Shuru mein jeb se kitna? ₹1 lakh tumhara hissa, plus working capital (kachcha makhana, packing material), kyunki working capital pe subsidy nahi hai.

₹10 lakh ki limit kab lagti hai

35% of eligible cost = ₹10 lakh tab hota hai jab eligible cost lagbhag ₹28.6 lakh ho. Usse bada project ho, toh subsidy ₹10 lakh pe ruk jaayegi. Jaise ₹40 lakh ke eligible project pe 35% ₹14 lakh banta hai, par milega ₹10 lakh. Manifesto wala ₹3 lakh ka unit lo, toh 35% = ₹1.05 lakh.

Collateral ka darr

DRP manual ke hisaab se ₹2 crore tak ke PMFME loan pe collateral nahi chahiye, kyunki loan MUDRA/CGTMSE cover mein aata hai. Shart yeh hai ki CGTMSE ki saalana guarantee fee tum bharo. Fee nahi bharna, toh bank collateral maangega. Construction ke liye loan liya hai, toh us zameen ka mortgage primary security ban sakta hai.

Apply kaise karein: 5 steps

Pehle check karo ki tumhara kaam processing hai, trading nahi. Upar wali excluded list dekh lo. Apne district ka MoFPI ODOP bhi dekh lo (neeche wala section).
Apne district ka DRP (District Resource Person) dhoondho. Individual application mein DRP mandatory hai. DNO ya DIC se official DRP ka naam aur number lo. DRP ko scheme se ₹20,000 per case milta hai (DRP manual), toh "DPR fee" ke naam pe koi bada paisa maange toh DNO se confirm kar lo.
Documents ready karo. Naye unit ke liye DRP manual ki list: PAN, Aadhaar aur photo, address proof, unit ki jagah ka proof (owned/rent/lease; rent agreement loan repayment period se lamba hona chahiye), 6 mahine ka bank statement, aur machinery ki quotations. Existing unit hai, toh Udyam ya trade licence bhi, aur turnover ke hisaab se balance sheet, ITR, GST returns.
PMFME portal (pmfme.mofpi.gov.in) pe application register karo. Raasta yeh hai: Draft, DRP scrutiny, DNO/District Level Committee, phir bank. DRP manual kehta hai DPR mein DSCR 1.5 se upar aur break-even positive hona chahiye. Numbers mein jhooth mat bharo; bank interview aur site visit karta hai.
Bank sanction ke baad apna 10% bank mein jama karo. Bank pehli kist disburse karke portal pe daalta hai, aur uske baad grant nodal bank se tumhare loan wale branch tak aata hai. First preferred bank ne reject kiya, toh application apne aap second preferred bank ke paas chali jaati hai.

Loan sanction ke baad FSSAI, Udyam aur jahan zaroori ho GST registration karwana hai. DRP ki doosri payment isi se judi hai, toh woh tumhe yeh karwane mein madad karega.

Tumhara ODOP product food nahi hai? State ka margin money dekho

PMFME sirf food processing ke liye hai. Tumhare district ka ODOP craft hai, jaise Prayagraj ka moonj ya Moradabad ka brass, toh PMFME kaam ka nahi. Wahan state ki apni scheme dekho. Har state ki alag hoti hai. Yahan sirf Uttar Pradesh ki, kyunki uska official order maine padha hai.

UP ki ODOP Margin Money Scheme (Financial Assistance Scheme, government order 24 September 2018, aur odopup.in pe aaj bhi listed) ke slabs:

₹25 lakh tak ka project: project cost ka 25%, max ₹6.25 lakh.
₹25–50 lakh: ₹6.25 lakh ya project cost ka 20%, jo zyada ho.
₹50–150 lakh: ₹10 lakh ya project cost ka 10%, jo zyada ho.
₹150 lakh se upar: 10%, max ₹20 lakh.

Aur shartein, government order se:

Sirf us district ke chune hue ODOP product ki units ke liye.
Apna hissa: general category 10%, aur SC, ST, OBC, minority, mahila aur divyang 5%.
Margin money unit ke 2 saal successfully chalne ke baad grant mein adjust hoti hai. Tab tak TDR ki tarah rehti hai, aur us hisse pe interest nahi lagta.
Project cost mein capital kharcha aur working capital ka ek cycle aata hai. Zameen nahi.
Applicant ne pehle GoI ya UP ki kisi aur self-employment scheme ka faayda na liya ho. Family mein sirf ek baar.
Selection District Level Task Force Committee interview se karti hai. Loan sanction ke baad kam se kam ek hafte ki training compulsory hai (pehle se trained ho toh chhoot mil sakti hai).
Apply Directorate of Industries UP ke portal (diupmsme.upsdc.gov.in) se, ya DIC se madad lo.

Illustrative calculation: Prayagraj mein moonj products unit

Moonj Prayagraj ka ODOP craft hai, aur "Moonj Craft of Uttar Pradesh" registered GI hai (GI application no. 933). Maan lo project cost ₹10 lakh hai (maana gaya amount):

Margin money: 25% = ₹2.5 lakh (₹6.25 lakh ki limit ke andar).
Apna hissa: ₹1 lakh general category mein, ya ₹50,000 agar tum special category mein ho.
Baaki bank loan.
2 saal unit chala aur default nahi hua, toh ₹2.5 lakh grant ban jaata hai.

PMFME aur UP margin money dono ek saath? UP ka order kehta hai ki pehle kisi aur self-employment scheme ka faayda liya ho toh eligible nahi. Toh dono stack karne ka plan mat banao jab tak DIC likh ke confirm na kare.

Tumhare district ka product: kaunsa route

Ek confusion clear kar do. ODOP ki do lists hain. KidharMilega ke pages DPIIT/Invest India wali ODOP list pe hain. PMFME MoFPI ki apni food-only ODOP list use karta hai (726 districts, revised 13 March 2024). Kai jagah dono alag hain.

District page on KidharMilega	MoFPI (PMFME) ODOP	GI status	Paisa ka route
Makhana, Saharsa	Makhana (Foxnut)	Registered: Mithila Makhana (696)	PMFME
Bikaneri Namkeen, Bikaner	Moth (Bhujia, namkeen, papad snacks)	Registered: Bikaneri Bhujia (142)	PMFME
Alphonso Mangoes, Ratnagiri	Mango based products	Registered: Alphonso (139, 379 & 497)	PMFME, sirf processing pe (pulp, aamras). Fresh aam bechna trading hai
Nagpur Orange, Nagpur	Mandarin Orange based products	Registered: Nagpur Orange (385)	PMFME, processing pe (juice, squash, candy)
Spices, Idukki	Spices	GI register mein is page ke liye match nahi	PMFME, sirf processing pe (grinding, packing). Loose masala trading excluded
Moonj Products, Prayagraj	Guava based products	Registered: Moonj Craft of Uttar Pradesh (933)	Moonj craft hai, food nahi. UP ODOP Margin Money

Prayagraj wala case dekho. Wahan moonj ka unit lagaoge toh PMFME nahi milega, aur amrood (guava) ka processing unit lagaoge toh PMFME mein ODOP preference milegi. Ek hi district, do alag raaste.

GI numbers IP India ke official register se hain. GI ka matlab yeh nahi ki tumhara product automatically GI-tagged bik sakta hai; uske liye authorised user registration alag cheez hai.

Application kahan atakti hai

Yeh cheezein seedha guidelines aur DRP manual ke rules se nikalti hain:

Kaam trading hai, processing nahi. Ya excluded list mein hai (restaurant, tiffin, repacking).
Zameen ya kiraya project cost mein daal diya. Woh eligible nahi.
Technical civil work 30% se zyada dikha diya.
Rent agreement loan repayment period se chhota hai.
DPR ke numbers kamzor hain: DSCR 1.5 se neeche, ya break-even negative.
Family mein kisi aur ne pehle hi PMFME le liya hai.
Credit report mein purana default hai. Bank CIBIL/Equifax report dekhta hai.

PMFME ke baad kya

PIB (22 May 2026) ke hisaab se 1,96,270 individual units ko credit-linked subsidy mil chuki hai, aur 40% se zyada beneficiaries mahilayein hain. Scheme ke andar 40 ODOP brands approve hue hain. Matlab system kaam karta hai, par line mein lagna padta hai. Subsidy ke bharose business plan mat banao. Business plan pehle, subsidy bonus.