Frequently asked questions
Clear, factual answers about loans, scheme approvals, timelines and what Saarthium actually does.
No. Saarthium is a business funding & advisory consultancy. Loans are sanctioned by banks / NBFCs and grants are released by government bodies & incubators. We assist with eligibility checks, documentation, application and follow-up.
No. SISFS approval depends on DPIIT recognition, evaluation by the empanelled incubator, scheme eligibility and available funds. Saarthium only helps you present a complete, compliant application.
Yes. New and early-stage businesses can apply for PMMY (MUDRA), PMEGP, CGTMSE-backed MSME loans and DPIIT-linked startup schemes. Exact eligibility differs by scheme and lender.
For most bank/NBFC loans, yes: a healthy credit score improves approval odds. For grants and DPIIT seed funds, the focus shifts to innovation, founder profile and scalability instead of CIBIL alone.
Yes. We assist with applications under agri-linked programmes like PMFME (for micro food processors), KCC and other central / state schemes, subject to official eligibility norms.
Document preparation typically takes 2–7 days. Bank sanction timelines vary (often 2–4 weeks) and scheme-linked disbursals depend on nodal agency SLAs. Actual timelines depend on the lender and completeness of documents.
Our office is in Ahmedabad, Gujarat. We serve businesses across India and work with lenders & incubators nationwide.