Government schemes carry interest-subsidy and partial credit-guarantee — both attractive for borrowers, both paperwork-heavy for bankers. The leads here include SC/ST/Women entrepreneurs eligible for Stand-Up India (₹10L–₹1Cr), unemployed youth under PMEGP, street vendors under PM SVANidhi, and standard Mudra borrowers. Documentation is the friction point: claimants who have a clear digital workflow for capturing CMS / DBT / Udyam Registration tend to win. Volume is highest in tier-2/tier-3 cities and rural districts.