PIPDIC Marketing Organisations Scheme — ₹25L Loan for VSI Outlets — Frequently Asked Questions

PIPDIC provides a loan towards a project whose total cost can go up to ₹25 lakh. The assistance is debt-based, so it is meant to be repaid rather than exchanged for a stake in your business.

Individuals, partnership concerns, private limited companies and public limited companies can apply. The key condition is that the applicant must have experience in marketing Village & Small Industries (VSI) products, since the scheme is designed around organisations already working in that space.

It funds the retail end of the VSI supply chain. You can use it to establish a new sales outlet, or to renovate and expand an outlet that already exists — as long as that outlet is dedicated to marketing and distributing Village & Small Industries products.

Yes. Applicants have to contribute a down payment of at least 50% of the value of the goods purchased as part of the project, alongside the loan assistance.

No. It is a debt scheme — PIPDIC's support comes as a loan, so it does not dilute your ownership.

The fee is ₹100 for loans up to ₹25,00,000 and ₹200 for loans above ₹25,00,000. Payment happens online during the application, and a receipt is generated on the PIPDIC website which you can print or save as a PDF.

No. The scheme runs on a rolling, always-open basis, so applications can be submitted at any time through the PIPDIC portal.

Everything happens online. You create a new customer account on the PIPDIC website using a username, email ID, password and captcha, verify your email with the OTP sent to you, and log in. From the dashboard you update your profile, then open the Applications tab to start the loan form. A pop-up sets out the general terms and conditions, interest rate structure, investigation fees and collateral security norms; once you accept, you complete the multi-step form, agree to the declaration, enter the bio-data of the promoter, partner or director, and upload KYC and supporting documents. After paying the fee online, you receive a payment receipt that you should download or print.

The portal asks for the bio-data of the promoter, partner or director, along with KYC and supporting documents, uploaded through the file selection option in the application form. The document checklist is confirmed when you accept the terms during the application.

Neither DPIIT recognition nor MSME registration is listed among the scheme's conditions. The published requirements are the applicant category — individual, partnership concern, private limited or public limited company — and experience in marketing VSI products.

PIPDIC Marketing Organisations Scheme — ₹25L Loan for VSI Outlets is offered by Pondicherry Industrial Promotion Development and Investment Corporation (PIPDIC), a government body. It is provided as non-dilutive funding.