Startup India is a sham

A big challenge for arguably most early stage startups is going from 2-3 lakhs per month to 5-10 lakhs per month and more in revenue. Market is willing to provide credit or loans for the latter but not the former. It's the former that need it more but there are no collateral free loan options in the market that are reasonable. Even though India collects hefty tax and revenue from global businesses with digital platforms and products, it's unwilling to provide collateral-free loans to startups born in India. The best you can get is from NBFCs or private lenders at more than 12-15% interest (which is often more than the net profit for a lot of startups, hence impractical). Most govt loans and schemes aren't applicable to a large portion of startups because of their criteria. Even setting up the company can often take months. GST and taxes are a nightmare. Where is this "ease of business" that people talk about? Unless entrepreneurs bankroll everything from their own pockets, there is almost no way for bootstrapped startups to build and grow sustainably in India. I've never met a single entrepreneur who availed a govt scheme to get loans for their business in India. I wonder where all that budget money went.