India has 63 million SMEs. The government has over 200 active schemes: grants, subsidies, production-linked incentives, export benefits, R&D credits, designed to support them. The combined annual allocation runs into ₹5 lakh crore. And yet, a majority of eligible SMEs have never accessed a single rupee of it.
The problem isn't eligibility. It's accessibility. The schemes are fragmented across ministries, portals, and state governments. The language is bureaucratic. The filing process is opaque. And most SME founders are too busy running their businesses to navigate it. The result? A massive transfer of value that never happens.
GrantSetu is the bridge. We map every relevant government scheme to an SME's specific profile: sector, size, geography, registration status, and guide them through the application process with AI-assisted preparation and human-supervised filing. We make the complex navigable, the inaccessible accessible, and the process reliable.
Grantsetu is a passion project. It came from one question I kept hearing from the 6,000+ SME founders we spoke to at GAPS: why does money meant for them never reach them? I am building it to see how far the right product can close that gap.