What do you get under CMMFI?
A 30% back-ended government subsidy on bank term loans for farm, allied and small business projects (bank 60%, you 10%), an extra 4% interest subvention on fresh KCC loans and NSRLM SHG credit, and interest paid by the state during a 6-month moratorium.
credit.nagaland.gov.in sometimes times out; the guidelines are also on the SLBC NE site. District allocations are fixed by a state committee each year.
Who is eligible for CMMFI?
- Individual farmers and entrepreneurs who are not bank defaulters and not serving government employees, with land (own, leased or certified by the Village Council) for land-based activities.
- Self-Help Groups (including non-NSRLM SHGs) following the Panchasutra norms.
- Registered FPOs with at least 100 shareholders, ₹1 lakh paid-up capital and three years of audited balance sheets, not in loss.
Also check:
- Micro and small enterprise loans up to ₹10 lakh are collateral free; above that the state pays the 0.37% CGTMSE fee.
- There is a two-year lock-in before you can close the loan early, and livestock loans need livestock insurance.
- Only loans from commercial banks, Nagaland Rural Bank or Nagaland State Cooperative Bank qualify.
Documents needed for CMMFI
0 of 9 ready
Offices may ask for more. Check the official list before you go.
How to apply for CMMFI
- Prepare a Detailed Project Report (on your own or with help from a line department, NSRLM or IDAN).
- Apply online on credit.nagaland.gov.in or give the application to the CMMFI nodal officer in your district.
- Banks check viability, then the District Level Implementation cum Monitoring Committee under the Deputy Commissioner interviews and selects beneficiaries.
How to check CMMFI status
- Log in on credit.nagaland.gov.in.
- Call the toll-free helpline 1800-345-8924 or email credit.fin-ngl@gov.in.
Never share an OTP with a caller or a message. Official portals end in .gov.in.
Common questions
Who is eligible for CMMFI?
Individual farmers and entrepreneurs who are not bank defaulters and not serving government employees, with land (own, leased or certified by the Village Council) for land-based activities. Self-Help Groups (including non-NSRLM SHGs) following the Panchasutra norms. Registered FPOs with at least 100 shareholders, ₹1 lakh paid-up capital and three years of audited balance sheets, not in loss.
How much do I get under CMMFI?
A 30% back-ended government subsidy on bank term loans for farm, allied and small business projects (bank 60%, you 10%), an extra 4% interest subvention on fresh KCC loans and NSRLM SHG credit, and interest paid by the state during a 6-month moratorium. credit.nagaland.gov.in sometimes times out; the guidelines are also on the SLBC NE site. District allocations are fixed by a state committee each year.
What documents do I need for CMMFI?
Project report or business plan; Address proof; Aadhaar card (linked to your mobile number); PAN card; Mobile number for OTP; Business proof or plan (Udyam, vending certificate, quotation); Passport-size photo; Bank passbook or account details (Aadhaar-seeded account); Land records (khatauni, 7/12, patta or similar).
How do I apply for CMMFI?
Prepare a Detailed Project Report (on your own or with help from a line department, NSRLM or IDAN). Apply online on credit.nagaland.gov.in or give the application to the CMMFI nodal officer in your district. Banks check viability, then the District Level Implementation cum Monitoring Committee under the Deputy Commissioner interviews and selects beneficiaries. Official site: https://credit.nagaland.gov.in/
How do I check CMMFI status?
Log in on credit.nagaland.gov.in. Call the toll-free helpline 1800-345-8924 or email credit.fin-ngl@gov.in.
Do I have to pay anyone to apply for CMMFI?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
How much subsidy does CMMFI give?
30% of the project cost as back-ended subsidy, with 60% bank loan and at least 10% from the beneficiary. Fresh KCC loans and NSRLM SHG credit get an extra 4% interest subvention over the 3% from the Centre.
How do I apply for CMMFI?
Apply on credit.nagaland.gov.in or through your district nodal officer with a project report, Aadhaar, address proof, photos and bank details. The district committee under the DC selects beneficiaries.
Do I need collateral for a CMMFI loan?
Micro and small enterprise loans up to ₹10 lakh are collateral free. For larger loans you can use CGTMSE, and the state pays the 0.37% guarantee fee.
Official sources
Last checked 1 November 2026; next review by 30 April 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.