Headquartered in Ahmedabad, serving businesses across India, from company setup and compliance to MSME loans, startup funding and investor connect. Backed by ₹100Cr+ funds raised for 5,000+ Indian businesses.
From DPIIT approvals in hours to ₹1.5 Cr+ grants disbursed. Hear directly from founders we've helped scale with speed, transparency and expert guidance.
01/09
Eligibility check, same-day response, end-to-end execution by certified experts.
Growing a business requires timely financial backing. Saarthium connects you to the right government schemes, banks, NBFCs and fund programmes, from startups and MSMEs to farmers and exporters.
Every route depends on entity type, Udyam/DPIIT status, financials, sector and the lender or investor’s current rules. We map you to the right programme, factually and fast.
Swipe on mobile. Figures reflect published scheme parameters; final sanction is by banks / authorities.
Share your business profile. Our team maps you to the right MSME, CGTMSE, MUDRA, PMFME, or investment path with clear next steps.
Most funding options in India share a common checklist. Here's the honest version, plus the documents you'll typically need.
Indicative benchmarks; final norms set by the lender / scheme.
Applicant age
21 – 65 years
Some lenders may differ; co-applicants can widen the range.
Business vintage
1 – 3 years of stable operations
Seed / DPIIT schemes can accept early-stage startups.
Credit score (CIBIL)
Typically 700+
Exact cut-off depends on the lender and scheme.
Business turnover
As per lender / scheme norms
Banks assess GST, ITR & banking trend together.
Note: DPIIT-recognised startups applying under the Startup India Seed Fund Scheme (SISFS) are evaluated by empanelled incubators per official guidelines; approval isn't guaranteed.
Proper paperwork dramatically improves approval chances.
PAN Card
Applicant & business (firm / LLP / company)
KYC
Aadhaar, Passport, Voter ID or Driving License
Bank statements
Latest 6 – 12 months, primary current a/c
GST registration & returns
GSTIN + last 1 year returns (where applicable)
Income Tax Returns
Last 1 – 3 years, with computation
Business proof
Udyam / Shop Act / incorporation, address proof
Tip: Additional documents may be asked depending on the product (e.g. collateral papers for secured loans, project report for PMFME / PMEGP, DPIIT certificate for SISFS).
Every step is handled end-to-end, so you stay informed and nothing slips through.
Share the amount, purpose and timeline you're targeting.
We map your profile to the right loan / scheme / grant.
GST, ITR, banking & KYC prepared in a lender-ready format.
Apply via empanelled lenders, incubators or scheme portals.
Funds are released by the lender / authority after approval.
Not sure which scheme fits you?
Get a quick eligibility reading. It takes about 15 minutes.
A curated set of real Government of India & MSME schemes we help you apply under, with honest eligibility reads and document-ready applications.
Scheme figures are as per official GoI / MSME guidelines and are indicative. Final sanction, limits and interest rates are at the discretion of the concerned bank / nodal agency.
We guide DPIIT-recognised startups end-to-end, from eligibility to incubator liaison and application submission.
We verify your DPIIT recognition and confirm fit against SISFS norms (age, originality, scalability).
We help identify empanelled incubators whose thesis & sector focus match your startup.
Investor-grade deck, unit economics, milestones and documentation aligned to SISFS format.
Application through the authorised incubator portal with coordinated follow-up until outcome.
We read your profile, turnover and credit trend, and tell you the schemes where you actually have the best chance.
Honest advice, organised paperwork and a specialist who actually stays with your file, from the first call to the final disbursal.
Businesses supported
Approval-ready rate*
Funding facilitated
Google rating
* Figures are indicative, based on Saarthium's own case history. Actual outcomes vary by lender & scheme.
Clear checklists, document templates and a single point of contact, so your file is lender-ready in days, not weeks.
From eligibility to sanction: registrations, compliance, applications and post-disbursal support, all under one roof.
A named relationship manager for your file, reachable on call & WhatsApp during business hours, with honest updates.
Clear, upfront fee structure with itemised scope. No hidden charges, no surprises after you sign up.
Beyond filings, we help plan funding rounds, strengthen financial hygiene and unlock government schemes as you scale.
Structured, eligibility-first guidance whether you're a DPIIT startup, a growing MSME or an agri-processing unit.
DPIIT recognition, SISFS application, pitch prep and incubator linkage for early-stage startups.
Learn moreCGTMSE-backed unsecured loans, working capital, machinery & project loans via empanelled lenders.
Learn morePMFME, Agriculture Infrastructure Fund (AIF) and farmer-centric schemes for processors, FPOs and SHGs.
Learn moreAdvisory is strictly aligned to official scheme rules. Approval is at the discretion of the concerned incubator / authority.
Disclaimer: Saarthium is a private business consulting firm, not a government agency. We don't guarantee loan sanction or grant approval. All government schemes & seed funds are subject to official rules and the sanctioning authority's discretion.
Looking for the right startup or new business funding in Ahmedabad ? Tell us where you are, and we'll map the best-fit business loan or funding plan based on your eligibility.
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.
Talk to a Saarthium funding specialist for an honest read on what you qualify for: loans, schemes, or DPIIT seed funding, plus the realistic next steps.
Fill this form. A specialist will get back within one working day.
By submitting, you agree to our Terms & Privacy Policy.
Your information is kept strictly confidential.
