Subsidy Loan
A subsidy loan is a loan where the borrower gets some portion of the cost borne by the government. The subsidy might reduce:
● A part of the principal (grant or non-repayable portion).
● Processing fees or other charges.
● Collateral or guarantee requirements (sometimes reduced or waived). The aim is to make credit affordable, especially for weaker sections, entrepreneurs, students, for housing, business, agriculture, etc.
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Professional Business Agency
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Experience Team Members
While each scheme has its own rules, these are frequent criteria
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Indian citizen.
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Belonging to particular income group (or being below a certain annual family /parental income).
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For home loans: first home, not owning another house.
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For business schemes: age (>18), certain category (SC/ST/Women etc.), location (rural vs urban might affect subsidy %).
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Meeting documentation requirements (identity proof, address, income proof, project plan etc.).
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For education subsidy: enrollment in recognized institution, course type, etc.
Features & Benefits
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Interest Subvention : Govt pays part of interest during moratorium or initial years. E.g., education loan interest subsidy during study + 1 year.
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Credit-Linked Subsidy : Part of the cost or interest is linked to getting credit (loan). Govt gives subsidy when credit is availed under specific scheme. E.g. CLSS under PM Awas Yojana.
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Grant + Loan : Sometimes a portion of the project is grant (not repayable) + rest as loan.
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Margin Money Assistance : Reducing the borrower's contribution upfront in a project.
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Collateral / guarantee ease : Some schemes ease or waive collateral/guarantee requirements.
How It Works
Why Rohini Financial Services?
- Expert Guidance – Assistance in identifying and applying for the right subsidy scheme.
- End-to-End Support – From eligibility check to loan sanction.
- Partnerships with Leading Banks and NBFCs.
- Transparent and Reliable Process.
- Fast Approval and Timely Disbursal.
✅ Apply for a Subsidy Loan Today
Take advantage of government-backed financial assistance and achieve your goals faster.
With Rohini Financial Services, you get expert guidance, easy documentation, and complete support throughout your Subsidy Loan journey.
📞 Call Now or 💻 Apply Online to explore subsidy loan schemes that fit your needs!