Single Window Scheme - PIPDIC

The Single Window Scheme – PIPDIC is a Government of Puducherry initiative implemented through the Puducherry Industrial Promotion and Development Corporation (PIPDIC) in coordination with the Department of Industries and Commerce. Under this scheme, both term loan for fixed assets and working‑capital loan for the same unit are provided through a single agency, eliminating the need to approach multiple financiers. It is designed to simplify financing for new and existing SSI / tiny‑sector units by treating the total project outlay (fixed assets + working capital) as one integrated package.

For you as an aspiring or existing MSME entrepreneur, this scheme is highly valuable because it reduces procedural complexity, speeds up disbursement, and ensures that your working‑capital requirement is assessed in line with actual project outlay instead of being treated as a separate constraint.

Key Features
Financial Assistance
Eligibility Criteria
Documents Required
Application Process

Key Features

Target applicants:
- Entrepreneurs setting up new projects in the SSI / tiny sector.
- New promoters acquiring unencumbered fixed assets of existing SSI concerns.
- Existing well‑run units undertaking modernization / technology upgradation.
- Potentially viable sick units undergoing rehabilitation.
Type of support: Composite term loan for fixed assets (land, building, machinery, equipment) plus working‑capital loan through PIPDIC alone.
Sector focus: Small‑scale and tiny‑sector manufacturing and production‑oriented activities in Puducherry.
Total project cap: Total project outlay, including working capital, generally not exceeding ₹200 lakh as per standard PIPDIC guidelines for this scheme.
Single‑window character: Industrial permissions, clearances, and financing are integrated under a “single window” approach to reduce processing time and compliance burden.

Financial Assistance

Component	Assistance Provided	Detailed Explanation
Term loan (fixed assets)	Financing for land, building, machinery, equipment	Loan for creation or acquisition of fixed assets; typically repayable over 5–7 years with moratorium, as per PIPDIC norms.
Working capital loan	Financing for day‑to‑day operations	Working‑capital term loan (WCTL) assessed on total working‑capital requirement of the unit; may carry a repayment period of about 3–5 years.
Debt‑equity mix (indicative)	3:1 up to ₹10 lakh; 2:1 above ₹10 lakh (pattern similar to state‑level SWS)	PIPDIC generally follows a debt‑equity ratio favouring structured gearing, with clear limits on total loan amount against promoters’ contribution.
Collateral / security	50% of working‑capital loan secured by property in Puducherry	Security norms are relatively moderate, with land/building in Puducherry forming the primary charge.

Eligibility Criteria

Applicant must be an individual entrepreneur, proprietorship firm, partnership, cooperative, or company setting up or upgrading an SSI/tiny‑sector unit in Puducherry.
Activity must be eligible under SSI/MSI definition (manufacturing, production, processing, value‑added services, etc.).
Total project outlay (fixed assets + working capital) should be within the prescribed cap (typically up to ₹200 lakh).
For existing units, accounts should be in good standing and not classified as non‑performing; rehabilitation cases must be viable and technically sound.
Preference is given to units with proper project report, land, and clearances.

Non‑eligibility conditions (typical):

Projects exceeding the prescribed total‑outlay limit as per current PIPDIC circular.
Units with multiple banks already providing full working‑capital and no clear need for a single‑window facility.
Units without clear land/title or necessary statutory approvals.

Documents Required

Aadhaar Card and identity proof
Residence proof (Puducherry, if applicable)
PAN card and bank account details
Project report with investment, working‑capital, and production plan
Land/lease agreement or title documents
Factory / building / pollution‑related clearances (as applicable)
MSME/Udyam registration certificate
Latest financial statements / trial balance (for existing units)
Charge/security documents as per PIPDIC requirement

Application Process

Option 1: Apply with Bullit, Recommended

Start instantly with our guided application support, where our team verifies eligibility, prepares documentation, and coordinates with the Industries Department on your behalf. Using our business loans and compliance calendar, you can track progress while focusing on project execution, we manage the application end-to-end.

Option 2: Apply Online / Offline (Government Process)

Check PIPDIC / Department of Industries and Commerce website or notice board for the latest Single Window Scheme guidelines.
Collect the prescribed application form from PIPDIC office or download it from the official portal.
Fill in personal, enterprise, and financial details, including estimated fixed‑asset investment and working‑capital requirement.
Attach project report and supporting documents (land, clearances, registration, etc.).
Submit the application to PIPDIC within the notified window.
Undergo technical and financial scrutiny; selected applicants may be called for clarification or interview.
After approval, term‑loan and working‑capital components are disbursed in stages as per drawal plan and project progress.