MYSY vs CM-YUVA: Which Scheme Is Better?
Key Differences
| MYSY | CM-YUVA | |
|---|---|---|
| Max loan | ₹25L (industry) / ₹10L (service) | Up to ₹5 lakh |
| Interest | Regular bank interest applies | Interest-free |
| Subsidy type | 25–30% margin money | Interest waiver, not margin money |
| Best for | Larger project costs | Smaller, quicker-to-fund projects |
Which One Should You Pick?
If your project cost is modest and you'd rather avoid interest altogether, CM-YUVA's interest-free structure is usually the better fit. If your project needs more capital than CM-YUVA's ₹5 lakh ceiling allows, MYSY's higher loan limit makes more sense even though it carries interest — the margin money subsidy still meaningfully reduces your effective cost. You generally can't combine both for the same project, so pick based on your actual capital requirement.
Not sure whether MYSY or CM-YUVA fits your project?
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Official portal: diupmsme.upsdc.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.