Our Loan & Subsidy Services
Clear, plain-language guidance for every service — who it is for, why it matters, and how we simplify it for you.
1. MSME Central Subsidy
What it is
The Government of India offers central subsidy schemes for micro, small and medium enterprises — including capital subsidy, interest subvention and technology upgradation support. Many eligible businesses never claim them because the paperwork and scheme details feel complicated.
Who needs it
Any registered MSME — a new manufacturing unit, an existing business planning expansion, or a service enterprise — that wants to lower its project cost through central schemes.
How Siddhi Consultancy helps
- Check which central subsidy schemes your business qualifies for
- Prepare and verify the complete application and document file
- Coordinate with the concerned department or nodal agency
- Follow up until the subsidy is sanctioned and released
2. State MSME Subsidy
What it is
The Government of Gujarat provides its own MSME incentives — capital subsidy, interest subsidy and power tariff benefits for units set up in the state. These schemes change from time to time, and applying correctly matters for approval.
Who needs it
MSME units in Gujarat — especially new units in Surat, Bhestan, and surrounding industrial areas — that want to reduce setup and operating costs.
How Siddhi Consultancy helps
- Identify current Gujarat state schemes that fit your unit
- Complete scheme-specific documentation and declarations
- Handle submission and correspondence with the state department
- Track the file and follow up on approval and disbursal
3. Project Loan
What it is
A project (term) loan funds long-term investment — a new unit, capacity expansion or modernisation. Banks lend against the project, and a well-prepared proposal gets better terms and faster approval.
Who needs it
Business owners setting up a new manufacturing unit, expanding existing capacity, or funding major equipment and infrastructure.
How Siddhi Consultancy helps
- Structure your project proposal and funding plan
- Prepare the financial documents banks ask for
- Approach suitable banks and negotiate terms
- Coordinate the entire process until disbursement
4. CC / OD Loan
What it is
Cash Credit (CC) and Overdraft (OD) facilities give you flexible working capital — borrow only what you need, when you need it, and repay as sales come in. They keep daily operations smooth without a permanent loan burden.
Who needs it
Traders, manufacturers and service businesses that need working capital for raw material, stock, salaries or day-to-day expenses.
How Siddhi Consultancy helps
- Calculate your working capital requirement
- Prepare the limit request and supporting documents
- Approach banks offering suitable CC/OD terms
- Assist with renewal and documentation on an ongoing basis
5. Machine Loan
What it is
A machine or equipment loan funds the purchase of machinery, tools and plant — often combined with subsidy or interest subvention where eligible. Correct documentation speeds up both the loan and any subsidy component.
Who needs it
Units buying new machinery for production, and businesses upgrading or replacing existing equipment.
How Siddhi Consultancy helps
- Advise on the right loan structure for your purchase
- Check for applicable machine-related subsidies
- Prepare quotations, invoices and loan documentation
- Coordinate with the bank and the subsidy authority
6. CGWA NOC
What it is
Industrial units that draw groundwater must obtain a No Objection Certificate (NOC) from the Central Ground Water Authority (CGWA). Operating without it can lead to penalties and legal trouble.
Who needs it
Manufacturing and industrial units in Surat and Gujarat that use groundwater for production, cooling or other purposes.
How Siddhi Consultancy helps
- Assess whether your unit needs a CGWA NOC
- Prepare the application and technical documentation
- Submit the file correctly and track its status
- Handle queries and follow up until the NOC is issued
Not sure which service you need?
Tell us your requirement — we will guide you to the right scheme or loan.