Yozni.Login
Tamil Nadubusiness-entrepreneurship

Back Ended Interest Subsidy (BEIS)

"Back Ended Interest Subsidy" by the Govt of Tamil Nadu, is introduced with the objective of reducing financial burdens of all new micro and small manufacturing enterprises who have already availed loans from banks/ other government organizations by assisting them through a subsidy on term loans.

Ministry / Department
Micro Small and Medium Enterprises Department
Level
State
Benefit type
other
Last verified: 18 Jun 2026

Back Ended Interest Subsidy (BEIS) क्या है?

"Back Ended Interest Subsidy" by the Govt of Tamil Nadu, is introduced with the objective of reducing financial burdens of all new micro and small manufacturing enterprises who have already availed loans from banks/ other government organizations by assisting them through a subsidy on term loans.

लाभ
क्रेडिट गारंटी फंड ट्रस्ट स्कीम (सी. जी. टी. एम. एस. ई.) के लिए प्राप्त 5,000 रुपये तक के सावधि ऋण के लिए सभी नए सूक्ष्म और लघु विनिर्माण उद्यमों को 5 साल की अवधि के लिए अधिकतम 4 रुपये के सावधि ऋण पर 5 प्रतिशत की सब्सिडी दी जाती है।-प्रौद्योगिकी उन्नयन/आधुनिकीकरण के लिए प्राप्त 3,000 रुपये तक के सावधि ऋण के लिए सभी नए सूक्ष्म और लघु विनिर्माण उद्यमों को 5 साल की अवधि के लिए अधिकतम 5,000 रुपये के सावधि ऋण पर 5 प्रतिशत की सब्सिडी दी जाती है।-प्रति ऋण देय बी. ई. आई. एस. की अधिकतम राशि केवल 2,000 रुपये तक के सावधि ऋण पर ही 6 रुपये होगी।
स्तर
State — Tamil Nadu
मंत्रालय / विभाग
Micro Small and Medium Enterprises Department
लाभ का प्रकार
other
मुख्य पात्रता
Micro and Small Enterprises who have availed of term loan under Technology upgradation/modernization schemes, National Equity Funds Scheme (Renamed as Micro / Small Enterprises Funding Scheme), Scheme for ISO Certification / R & D under NSIC -SIDCO Consortium and Credit Guarantee Fund Trust Scheme.
अंतिम सत्यापन
18 Jun 2026

योजना का विवरण

तमिलनाडु सरकार के सूक्ष्म, लघु और मध्यम उद्यम विभाग द्वारा बैक एंडेड ब्याज सब्सिडी (बी. ई. आई. एस.) योजना की शुरुआत उन सभी नए सूक्ष्म और लघु विनिर्माण उद्यमों के वित्तीय बोझ को कम करने के उद्देश्य से की गई है, जिन्होंने पहले ही बैंकों/अन्य सरकारी संगठनों से 5 साल की अवधि के लिए सावधि ऋण पर सब्सिडी के माध्यम से सहायता प्राप्त कर ली है।

लाभ

क्रेडिट गारंटी फंड ट्रस्ट स्कीम (सी. जी. टी. एम. एस. ई.) के लिए प्राप्त 5,000 रुपये तक के सावधि ऋण के लिए सभी नए सूक्ष्म और लघु विनिर्माण उद्यमों को 5 साल की अवधि के लिए अधिकतम 4 रुपये के सावधि ऋण पर 5 प्रतिशत की सब्सिडी दी जाती है।-प्रौद्योगिकी उन्नयन/आधुनिकीकरण के लिए प्राप्त 3,000 रुपये तक के सावधि ऋण के लिए सभी नए सूक्ष्म और लघु विनिर्माण उद्यमों को 5 साल की अवधि के लिए अधिकतम 5,000 रुपये के सावधि ऋण पर 5 प्रतिशत की सब्सिडी दी जाती है।-प्रति ऋण देय बी. ई. आई. एस. की अधिकतम राशि केवल 2,000 रुपये तक के सावधि ऋण पर ही 6 रुपये होगी।

पात्रता

  • सूक्ष्म और लघु उद्यम जिन्होंने प्रौद्योगिकी उन्नयन/आधुनिकीकरण योजनाओं, राष्ट्रीय इक्विटी फंड योजना (सूक्ष्म/लघु उद्यम वित्त पोषण योजना के रूप में पुनर्नामित), आईएसओ प्रमाणन/अनुसंधान और विकास योजना के तहत सावधि ऋण का लाभ उठाया है। डी. एन. एस. आई. सी.-सिडको कंसोर्टियम और क्रेडिट गारंटी फंड ट्रस्ट स्कीम के तहत-नए उद्यम जिन्होंने अपनी सुविधाएं स्थापित की हैं, या मौजूदा सूक्ष्म, लघु और मध्यम उद्यम, जो भारत सरकार की क्रेडिट लिंक्ड कैपिटल सब्सिडी स्कीम (सी. एल. सी. एस. एस.) योजना पर दिशानिर्देशों में सूचीबद्ध निर्दिष्ट उप-क्षेत्रों/उत्पादों में अच्छी तरह से स्थापित और बेहतर तकनीकों को शामिल करके, विस्तार के साथ या बिना, अत्याधुनिक तकनीक के साथ अपने मौजूदा संयंत्र और मशीनरी का उन्नयन करते हैं।
क्षेत्र: Tamil Naduलाभ: other

आवश्यक दस्तावेज़

  • Copy of Udyog Aadhaar memorandum/copy of Udyam Certificate.
  • Copy of Loan Sanction letter from the Bank / Financial Institution in respect of Bank / Institutional financed Enterprises.
  • Certificate from the bank for the interest claim for each quarter as per Annexure A.
  • Bank statement for the interest paid with bank manager attestation.
  • *The file type should be PDF (.pdf). The file size should be less than 200 kb.

आवेदन कैसे करें

  1. चरण 1: Online — Step 1

    Registration** - Visit the Official Website/Portal of the Micro, Small, and Medium Enterprises Department of the Government of Tamil Nadu. In the top ribbon, click "Login / Registration".- In the registration form, fill in the mandatory details accurately, Name, Date of Birth, Aadhaar Number, Email ID, and Mobile Number. Create a new password. The password must contain a minimum of 8 characters, 1 Upper Case Letter, 1 Lower Case Letter, and 1 Numeric Field. - Fill in the captcha code, and click "Register". <br> >

  2. चरण 2: Online — Step 2

    Login** Visit the Login Page and click "Login", and then fill in the credentials received on your registered Email ID and the registered Mobile Number. <br> >

  3. चरण 3: Online — Step 3

    Form Filling** - After successfully logging in, hover over "Schemes" in the top ribbon, and then click on the concerned scheme from the dropdown. - On the next page, hover over "Apply Online" in the top ribbon, and then click on "New Application" from the dropdown. - Fill in all the mandatory fields of the Application Form. Carefully review all the information provided, acknowledge and agree to the terms and conditions, declaration, and privacy policy, and then click "Proceed". - Note down the reference number appearing on the screen and then click "Close". <br> >

  4. चरण 4: Online — Step 4

    Upload Documents** - Now, hover over "Schemes" in the top ribbon, and then click "Upload Documents" from the dropdown. - On the next page, provide the Application ID and click "Submit". - On the next page, upload all the mandatory documents in the specified format and size. - After uploading the documents, click "View" to verify the documents uploaded for correctness. <br> >

  5. चरण 5: Online — Step 5

    Submission - Fill in all the checkboxes appearing at the bottom of the screen and then click "Submit Application". - The message regarding the submission of the online application to GM/DIC / RJD will be received on your mobile phone. <br> (Optional)

  6. चरण 6: Online — Step 6

    Track Application Status You can check the status of your application here. The portal may provide updates via email or SMS regarding your application status. <br> *Access the Preview of the Application Form here *Access the Sample of a Filled Application Form here

FAQ

What are the eligible schemes under which micro and small enterprises can avail term loans for BEIS?

Eligible schemes include Technology Upgradation/Modernization, National Equity Fund, ISO Certification/R&D under NSIC-SIDCO Consortium, and Credit Guarantee Fund Trust Scheme.

What is the application timeline for the BEIS scheme?

The application timeline for BEIS is not explicitly mentioned. Please refer to the scheme guidelines for specific details.

Are there any exclusions for enterprises applying for BEIS?

The scheme guidelines do not provide information on exclusions. Refer to the detailed scheme documentation for specific exclusions.

How often is the interest subsidy reimbursed under BEIS?

Interest subsidy is reimbursed once in three months on a quarterly basis to the financial institutions.

What is the maximum subsidy amount for term loans up to ₹1,00,00,000 under BEIS?

The maximum BEIS payable per loan is [?]10,00,000 for loans up to [?]1,00,00,000.

How much subsidy can a micro-enterprise receive under BEIS for term loans obtained through CGTMSE?

Micro-enterprises can avail a 5% subsidy, capped at [?]20,00,000, for a 5-year period on term loans up to [?]2,00,00,000 through CGTMSE.

What is the objective of the Back Ended Interest Subsidy (BEIS) scheme?

BEIS aims to alleviate financial burdens for new micro and small manufacturing enterprises by providing a 5% subsidy on term loans for a period of 5 years.

Are there any additional charges covered by the government, such as penal interest, for belated payments under BEIS?

The government does not cover penal interest or charges for belated payments; only the interest subsidy is considered under BEIS.

Is there a specific period during which the unit should be in operation to claim the interest subsidy under BEIS?

Yes, the unit should be in operation during the claimed period for interest subsidy under the BEIS scheme.

Can existing Micro, Small, and Medium Enterprises apply for BEIS if they upgrade their plant and machinery?

Yes, existing enterprises upgrading their plant and machinery with advanced technology are eligible for BEIS under certain conditions.

Sources & References

Ready to apply?

Applications are accepted only on the official government portal.

Open Official Website

मिलती-जुलती योजनाएं

business-entrepreneurshipLakshadweep

25% Capital Investment Subsidy Scheme

The Union Territory of Lakshadweep has implemented the scheme “25% Capital Investment Subsidy” to provide financial assistance to local entrepreneurs for promoting Micro and small Enterprises in Lakshadweep.

business-entrepreneurshipAndhra Pradesh

40% Subsidy On Hank Yarn, Dyes & Chemicals Scheme

The "40% subsidy on Hank Yarn, Dyes & Chemicals Scheme" is a Subsidy Scheme by the Dept. of Handlooms & Textiles, Govt. of Andhra Pradesh. The assistance will be in the form of Grant from the State Govt. The subsidy will be available only on purchases / procurements from NHDC & APCO.

banking-financial-services-and-insuranceGujarat

6% Interest Subsidy on Loans taken for Vehicle Purchase through Banks

The scheme aims to support Scheduled Tribe (ST) individuals in purchasing vehicles for self-employment purposes. Under this scheme, tribal beneficiaries availing bank loans for vehicle purchase with interest subsidy. This financial support helps reduce the repayment burden on tribal entrepreneurs.

business-entrepreneurshipIndia

Advance Authorisation(AA)

Advance Authorisation scheme enables duty free import of inputs for export production, including replenishment of inputs or duty remission Advance Authorisation covers manufacturer exporters or merchant exporters tied to supporting manufacturer(s).