The number of start-ups in India has increased significantly, as has their influence. As of November 30, 2022, the number of start-ups that the government has recognized increased from 452 in 2016 to 84,012. Among start-ups, Tier II and Tier III account for 49%. Occasionally, a number of government measures have helped to create an environment that is supportive of the startup sector. The main goal of the Startup India initiative, among other important initiatives, is to give the companies a supportive atmosphere. The government's Startup India program has been a major policy push, offering everything from tax breaks to financing, from support for intellectual property rights to simplified public procurement, from facilitating regulatory reforms to granting access to foreign festivals and events. The Government of India's Startup India initiative seeks to establish a strong startup ecosystem in the nation to foster innovation and offer chances to aspiring business owners. Startup India Investor Connect is a platform that uses artificial intelligence (AI) to match investors with businesses in order to facilitate investment opportunities. This would enable business owners to directly contact and present their startup concept to several investors with just one application.

Agarwal, (2015) Found that, despite the fact that entrepreneurship is currently growing quickly in our nation, more needs to be done to educate people about it, particularly in rural and other underdeveloped areas. People should also be made aware of the various support networks that are available to them to help them launch their own businesses.

Sheriff & Muffatto, (2015) They have also discovered that some of the obstacles to supporting start-ups include inadequate coordination, a lack of knowledge about government initiatives, limited infrastructure, trouble obtaining government funding, the formation of competitive clusters, and the promotion of an entrepreneurial culture.

 Stevenson & Lundström, (2015) has acknowledged that in order to foster entrepreneurship across a country, instruction about entrepreneurship must be provided at the school level.

Garg, (2016) highlights the obstacles and problems faced by Indian start-ups as being the lack of funding, skilled personnel, facilities, and mentorship. He has come to the conclusion that start-ups are driving innovation, but they need government encouragement and assistance.

Because of the incompatibility between the concepts and their practical implementation, even gaining entry to incubators and accelerators presents challenges.

 Objectives:

1. To be aware of the several startup schemes offered by the Indian government.
2. To determine the MSME Ministry's launch program.
3. To learn about the Indian government's startup programs for women.

This study's secondary data came from a range of government agencies, books, and scholarly publications. The GEM model states that certain components of the entrepreneurial framework, like funding and government support, are necessary to create an environment that will support start-ups.

Plans for New Businesses: As part of the Startup India program, the government created the Fund of Funds for Start-ups (FFS) and the Startup India Seed Fund Scheme (SISFS) to provide investment at various stages of a startup's business cycle.

India as a whole is the implementation site for both schemes. The government created the Fund of Funds for businesses (FFS) Scheme to help businesses with their funding needs. The Small Industries Development Bank of India (SIDBI) is the FFS's operating organisation, while DPIIT serves as its oversight body.

Startup India Seed Fund Scheme (SISFS):

The Scheme aims to provide financial assistance to start-ups for proof of concept, prototype development, product trials, market entry and commercialization.

1.National Bank for Agriculture and Rural Development (NABARD):

The development bank NABARD is mostly focused on rural areas of India. It is one of the most significant financial institutions in the country. NABARD is responsible for the growth of small-scale businesses, cottage enterprises, and other rural activities. With a capital investment of 100 crore, the National Bank for Agriculture and Rural Development was established on July 12, 1982. In addition to meeting the financial needs of the rural sector, NABARD collaborates with other organisations to create innovative programs and schemes for soil and water conservation.

Startup India Seed Fund Scheme: Many innovative business ideas never take off because of a lack of initial finance for proof of concept, prototype development, product trials, market entry, and commercialisation. Giving seed money to such outstanding instances can have a cascading impact on the validation of business models for other organisations, which can lead to the creation of jobs. The Startup India Seed Fund Scheme (SISFS) was created by DPIIT with an INR 945 crore investment to provide capital to entrepreneurs for Proof of Concept, prototype development, product testing, market entry, and commercialisation. It will offer 300 incubators to help an estimated 3,600 enterprises over the next four years.

2.Credit Guarantee Scheme (CGS):

 In order to improve the mechanism for delivering credit and make lending to the MSME sector easier, the government introduced the Credit Guarantee Scheme (CGS). Applying for CGS is open to both new and established MSMEs engaged in manufacturing or service-related activities, with the exception of retail, agricultural, self-help groups (SHGs), training facilities, etc.

The SBI, associate banks, foreign banks, public and private sector banks, regional rural banks, and rural banks are the primary lending institutions that provide this service. Among the many advantages of this MSME scheme for business owners are term loans and working capital loan possibilities of up to Rs. 100 lakhs per borrowing unit.

Credit Guarantee Scheme for Start-ups (CGSS) In order to provide credit guarantees for loans made to DPIIT-recognized start-ups by Scheduled Commercial Banks, Non-Banking Financial Companies (NBFCs), and Venture Debt Funds (VDFs) operating under SEBI-registered Alternative Investment Funds, the government established the Credit Guarantee Scheme for Start-ups. The goal of CGSS is to offer credit guarantees, up to a predetermined maximum, against loans made by Member Institutions (MIs) to qualified borrowers, namely start-ups recognised by DPIIT.

3. Pradhan Mantri Mudra Yojana (PMMY):

 Launched in 2015, the Micro Units Development and Refinance Agency (MUDRA) intend to provide loans to various industrial, trading, and service sector activities. PMMY offers loans in three different categories: loans for Shisha, Kishor, and Tarun. A Mudra Loan is available to anyone, including machine operators, traders, and artists.

Through these actions, the MUDRA lending plan provides incentives.

1) Shishu: Up to Rs. 50,000 in loans

2) Kishor: Loans up to Rs. 5 lakh and over Rs. 50,000

3) Tarun: Loans up to and beyond Rs. 10 lakhs.

4. Stand Up India Scheme:

Bank loans between Rs. 10 Lakh and Rs. 1 Cr are made available under the Stand-Up India plan to at least one SC or ST person and one-woman borrower each branch so they can expand their businesses. Companies in the manufacturing, trading, or service sectors are eligible to apply for the standup program. For non-individual businesses, a woman entrepreneur or a member of the SC/ST category must own at least 51% of the shares. The candidate ought to be credit-worthy and free of late payments from any bank or financial organisation.

5. Coir Udyami Yojana:

The goal of the Coir Udyami Yojana is to facilitate the creation of coir units. To fulfil the working capital requirements, banks would fund capital expenditure through a term loan. The bank may also provide composite loans, which include working and fixed capital, to finance projects. This program is open to all MSME start-ups that handle coir and have registered under the Coir Industry (Registration) Rules, 2008.

Banks would fund projects up to a working capital cycle cost of Rs. 10 lakh, which cannot be more than 25% of the project's overall cost. This sum must not exceed Rs. 10 lakh. The credit amount, which is 40% of the project's total cost after margin money and the owner's 5% beneficiary contribution are subtracted, is 55% of the project's total cost.

This exclusive training program is designed to help women artisans working in the coir sector enhance their skills. Through this program, two months of instruction in coir spinning are provided. Candidates who complete this training receive a monthly stipend of Rs. 3000/-. The Prime Minister's Employment Generation Programme (PMEGP) scheme encourages the skilled artisans to apply for assistance in setting up coir enterprises. In order to empower rural women via community involvement, the Mahila Shakti Kendra (MSK) Scheme was approved in November 2017 as a centrally supported initiative. The program's goal is to give rural women a way to contact the government, obtain their rights, and gain empowerment through capacity-building and training. Assistance with Women's Training and Employment Programs The program aims to accomplish two goals: first, to equip women with employable skills. to impart knowledge and abilities that empower women to work for themselves or start their own businesses.

6. Bank Credit Facilitation Scheme:

The goal of the National Small Industries Corporation (NSIC) is to satisfy the MSME units' credit requirements. Several banks have cooperated with the NSIC initiative to offer loans to the MSME units. The program's loan repayment period is five to seven years, with an option to extend it to eleven years. The length of the loan repayment period is typically between five and seven years, however it might vary based on the startup's revenue. It can, however, last up to 11 years in certain circumstances.

Atal Innovation Mission (AIM): The aim of this platform is to facilitate the promotion of Innovation Hubs, Grand Challenges, startup companies, and other self-employment endeavours, with a focus on technology-driven fields.

 Faster Exit for Start-ups: with the intention of making it simpler for start-ups to conclude their business.

 Startup India Hub: with the intention of providing a single point of contact for the whole startup ecosystem, facilitating funding access and information sharing.

Tax Exemptions to start-ups for 3 Years: with the intention of addressing the need for working cash and fostering the expansion of start-ups.

Startup Schemes Under Ministry of MSMEs:

1). Credit Guarantee

2) Scheme for Performance and Credit Rating

3) Aid with Raw Materials

4) Revamped Fund Scheme for Traditional Development

5) SPRS, or Single Point Registration System

6) Aspire: An initiative to support entrepreneurship, innovation, and the agro industry

7) The Scheme for Infrastructure Development

8) Support

From the discussion above, it is clear that India offers a plethora of sights to see as well as several chances to build business networks. This won't be a justification for passing up fresh chances. The current situation presents countless prospects for financial gain. In India, where individuals are very vocal and knowledgeable about business, start-ups may have a greater success rate. Indians don't hesitate to attempt new things. Startup names are oppressive as well. The best Indian start-ups aren't always complicated. Thinking outside the box is essential to creating the most successful business in India. Unique startup concepts should always draw clients and generate revenue.Investors will take into account both the team's experience and qualifications because of the high failure rate of start-ups. Because they are unable to absorb a loss, angel investors never even put their own money into investments. Only when there is total confidence in the business's potential and the idea's ability to succeed can investments be made. Investors must have faith in the individuals surrounding them and trust that they will steer your company in the proper direction.

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