In this blog, we’ll explain what the Udyam Annexure Certificate is, why it matters, and most importantly, how you can use it to apply for loans and subsidies. We’ll break it down in a simple, step-by-step way so you can make the most of this powerful document.
What is the Udyam Annexure Certificate?
The Udyam Annexure Certificate is a supplementary document provided after successful Udyam Registration. While the main Udyam certificate confirms your MSME status, the annexure goes a step further. It includes extra details like:
- Type of enterprise (Micro, Small, or Medium)
- Nature of business activity (Manufacturing, Service, or Both)
- PAN and Aadhaar details
- NIC code(s) and business activities
- Date of registration
- Investment and turnover information
Think of it as an extended ID for your business, with all the technical details banks and government departments look for.
Why is the Udyam Annexure Certificate Important?
When applying for loans or subsidies, authorities want to verify your MSME status and check specific business information. While your main Udyam certificate confirms your registration, the annexure helps validate important data like your financials and operations. It acts as proof of your MSME classification, which is often a requirement to apply for benefits.
Without this document, your application could be delayed—or worse, rejected.
Loans and Subsidies You Can Apply for Using the Udyam Annexure Certificate
Here’s a list of popular schemes and benefits where your Udyam Annexure Certificate plays a crucial role:
- MUDRA Loan Scheme (for micro units)
- Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- Stand-Up India Scheme
- PMEGP (Prime Minister’s Employment Generation Programme)
- Interest Subsidy Schemes (State-wise or Sector-wise)
- Technology Upgradation Support Schemes
- Subsidy on Machinery or Capital Equipment
- Export Promotion and Rebate Schemes
In all these cases, being able to prove your MSME status is essential, and that’s exactly where your annexure certificate comes in handy.
Step-by-Step: How to Use Your Udyam Annexure Certificate for Loans
Step 1: Download Your Udyam Annexure Certificate
First, make sure you have the latest copy of your certificate.
Visit the official Udyam portal.
Click on “Udyam Annexure Certificate”.
Enter your Udyam Registration Number and Aadhaar details.
You’ll get access to both your Udyam Certificate and Annexure Certificate.
Download and save a PDF copy—you’ll need to attach it to your loan or subsidy application.
Step 2: Identify the Loan or Subsidy Scheme
Research the scheme that fits your business needs. Check if the scheme is offered by:
- Nationalized or private banks
- SIDBI (Small Industries Development Bank of India)
- State government departments
- Industry-specific boards or institutions
Each scheme has different eligibility criteria, but almost all require MSME proof, which your Udyam documents provide.
Step 3: Prepare Your Documents
Along with your Udyam Annexure Certificate, you’ll usually need:
- PAN Card of the business or proprietor
- Aadhaar Card of the owner
- GST Certificate (if applicable)
- Business address proof
- Bank statements
- Project report or business plan (for some loans)
Attach your Udyam Annexure Certificate as proof of MSME status. Some schemes may even ask specifically for the annexure page to verify NIC codes or turnover brackets.
Step 4: Apply Online or Offline
You can apply:
Online via government portals like psbloansin59minutes.com or bank websites
Offline by visiting the nearest bank or the subsidy department office.
Make sure to attach your Udyam documents when uploading or submitting your application.
Quick Tips for a Smooth Application
- Double-check the NIC code: Ensure it matches your actual business activity. Wrong codes can lead to rejections.
- Update your certificate if needed: If you’ve changed business activity or increased turnover, update Udyam registration before applying.
- Keep both certificates handy: Some banks may ask for both the main and annexure certificates for cross-verification.
What If You Don’t Have the Udyam Annexure Certificate?
Don’t worry—you can still download it anytime from the official Udyam registration portal. Just make sure your Aadhaar and registered mobile number are active to receive OTPs.
If you’ve made a mistake during registration (wrong PAN, wrong business activity), you’ll need to update your profile first. Only then can you download the correct annexure certificate.
Final Words
The Udyam Annexure Certificate isn’t just another form—it's a gateway to financial support for your business. Whether you're applying for a loan, subsidy, or any government benefit, this document proves your MSME status and provides all the details banks and authorities need.
So don’t miss out on valuable schemes. Use your Udyam Annexure Certificate smartly—and watch your business grow with the support it deserves.