Cited schemes and TANSIDCO plots, one computed answer.
Sector
Food processingAgri value-addTextilesEngineeringServices
Project size₹1.1Cr
₹10L₹50Cr
District
Promoter profile
First-generation entrepreneur
First business in your family · unlocks NEEDS
Woman / SC / ST promoter
Exact category affects published eligibility and rates
Rural / backward block
Rural rates may apply; pending concessions stay excluded
Willing to route via FPO
Profile fact for group programmes still under verification
Every change recomputes live — flip “first-generation” off and watch NEEDS leave the stack.
Refine accuracy
Total computed support
₹4.4L
Directional pre-DPR estimate — never a sanction assurance · ruleset 2026.08
Cash subsidy, cost-saving support and financing access are shown separately. The total includes only amounts the verified engine can calculate from this profile.
Cash subsidy ₹4.4LReimbursement / cost saving not quantifiedFinancing / access available
Directional preview · 14 assumptions
High impact · Eligible capital cost: ₹17.6 lakh
Eligible plant and machinery: ₹17.6 lakh
High impact · Requested loan: ₹71.5 lakh
High impact · Promoter age: 30
High impact · Exact special category: none
Rural or urban location: rural
Legal constitution: proprietorship
High impact · Enterprise stage: new
High impact · Enterprise size: micro
Education level: twelfth
Annual family income: ₹5 lakh
Prior capital subsidy: No
Repaid MUDRA Tarun history: No
Udyam registration: No
Your scheme stack · 4 schemes
AIFவேளாண் உள்கட்டமைப்பு நிதிCENTRAL · INCENTIVE
Interest-cost support for qualifying agriculture infrastructure credit.
CGTMSEகுறு மற்றும் சிறு நிறுவனங்களுக்கான கடன் உத்தரவாதத் திட்டம்CENTRAL · ACCESS
Eligible lenders can seek government guarantee cover for qualifying credit.
NEEDSபுதிய தொழில்முனைவோர் மற்றும் தொழில் நிறுவன மேம்பாட்டுத் திட்டம்STATE · CAPITAL
Capital-subsidy support for eligible first-generation Tamil Nadu entrepreneurs.
Eligibility — your inputs
✓First-generation entrepreneur
✓Age 21–45, or up to 55 for a special category
✓Manufacturing or service enterprise
✓Project cost from ₹10 lakh through ₹5 crore
Benefit components
₹4.4L — 25% of user-supplied eligible capital cost, capped at ₹75 lakh
New Entrepreneur-cum-Enterprise Development Scheme (NEEDS) · verified 2026-08-21
Full scheme page →TIIC term loanடிஐஐசி பொதுக் காலக்கடன் திட்டம்STATE · ACCESS
Tamil Nadu term-loan access for qualifying enterprises.
Near misses
Prime Minister's Employment Generation Programme — misses only on: Within the ₹50 lakh manufacturing or ₹20 lakh service/business ceiling
MSME Sustainable (ZED) Certification — misses only on: Udyam-registered MSME
Pradhan Mantri MUDRA Yojana — misses only on: Requested credit no more than ₹20 lakh; Loans above ₹10 lakh require a successfully repaid Tarun loan
PM Formalisation of Micro Food Processing Enterprises — misses only on: Existing micro food-processing unit; Application window open through 2026-09-30
Unemployed Youth Employment Generation Programme — misses only on: Trading or business project; Project cost no more than ₹15 lakh
Application sequence
1
Obtain lender appraisal for the eligible infrastructure project
Participating lending institution
2
Register and tag the sanctioned loan under AIF
AIF portal and participating lender
3
Submit the NEEDS application and project report
District Industries Centre / MSME online portal
4
Obtain a NEEDS-tagged bank sanction
Participating bank or TIIC
5
Submit the TIIC term-loan application and project report
TIIC branch
6
Complete Udyam registration where required
Ministry of MSME
7
Ask the member lender to seek CGTMSE cover
CGTMSE member lending institution
Ranked land options
All estates →Total computed support₹4.4L4 schemes
Words you’ll see here — explained simply
Subsidy — Free money from the government. You never pay it back.
Loan — Money you borrow and pay back with interest.
Interest subvention — The government pays part of your loan interest for you.
G.O. (Government Order) — The official document where a government rule is written.
DIC — District Industries Centre — the government office in your district that handles business schemes.
Project report (DPR) — A written plan of your business: what you’ll make, what it costs, how you’ll earn.
Udyam — A free online registration that makes your business official. Needed for most schemes.
Backward block — An area the government wants to develop faster — businesses there get extra benefits.
Margin money — The share of the cost you must put in from your own pocket.
Stamp duty — The tax you pay when registering land in your name.
Every number carries its G.O.
No orphan facts, ever. A number without a Government Order citation and verified-on date cannot ship — our build fails.
Staleness is shown, not hidden
A rule unverified for over 90 days wears an amber badge. Honesty is the brand — you always know how fresh an answer is.
When a G.O. moves, you hear first
Verified changes are published in the real public changelog; account surfaces show only persisted records.
WHY TRUST THESE NUMBERS
Lists rot. NILAM pins cited rulesets, separates pending records, and shows evidence dates instead of inventing certainty.
01
Source evidence
Each calculating rule carries an official source and verification date.
02
Change diff
Field-level diffs against production; G.O. PDFs hashed and summarized.
03
Status separation
Pending and retired records are visible but excluded from calculations.
04
Versioned publish
Ruleset versions and the public changelog expose released changes.