CM-YUVA Loan Amount: Phase 1 & Phase 2
How Much Loan Can You Get?
| Phase | Loan Amount | Interest Subsidy |
|---|---|---|
| Phase 1 | Up to ₹5 lakh | 100% interest subvention for 4 years |
| Phase 2 | ₹10 lakh to ₹20 lakh | 50% interest subsidy for 3 years |
The loan is guarantee-free — it carries CGTMSE (Credit Guarantee Fund) cover, so you are not asked to pledge collateral for it. Repaying a Phase 1 loan on time is what makes an applicant eligible to move up to a Phase 2 loan.
Do I have to take Phase 1 before Phase 2?
Yes, per the scheme's own structure — Phase 2's larger loan is for applicants who have already repaid a Phase 1 loan on schedule.
Is the loan amount fixed at ₹5 lakh for everyone?
₹5 lakh is the ceiling for Phase 1 — the bank sanctions an amount based on your project cost and viability, up to that limit.
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Official portal: msme.up.gov.in Last reviewed: Aug 2026
This page summarizes publicly available scheme information. For the current official notification, application form and exact eligibility conditions, always confirm on the portal above before applying or filing a claim.