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.
This is my current, full-time venture. We're building the infrastructure layer for SME financial access in India — starting with government money that already exists, and expanding to the full stack of SME enablement tools. If the first version of me built a social audio app at 19, this version is building something that could genuinely change how 63 million businesses access capital.