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What are loan schemes in India for women to start their business?


Jessica Henry

In India, the Micro, Small & Medium Enterprises development organisations, various State Small Industries Development Corporations, the Nationalised banks and even NGOs are conducting various programmes including Entrepreneurship Development Programmes (EDPs) to cater to the needs of potential women entrepreneurs, who may not have adequate educational background and skills. The Office of DC (MSME) has also opened a Women Cell to provide coordination and assistance to women entrepreneurs facing specific problems.

There are also several other schemes of the government at central and state level, which provide assistance for setting up training-cum-income generating activities for needy women to make them economically independent. Small Industries Development Bank of India (SIDBI) has also been implementing special schemes for women entrepreneurs.

In addition to the special schemes for women entrepreneurs, various government schemes for MSMEs also provide certain special incentives and concessions for women entrepreneurs. For instance, under Prime Minister’s Rozgar Yojana (PMRY), preference is given to women beneficiaries. The government has also made several relaxations for women to facilitate the participation of women beneficiaries in this scheme. Similarly, under the MSE Cluster Development Programme by Ministry of MSME, the contribution from the Ministry of MSME varies between 30-80% of the total project in case of hard intervention, but in the case of clusters owned and managed by women entrepreneurs, contribution of the M/o MSME could be upto 90% of the project cost. Similarly, under theCredit Guarantee Fund Scheme for Micro and Small Enterprises, the guarantee cover is generally available upto 75% of the loans extended; however the extent of guarantee cover is 80% for MSEs operated and/ or owned by women. 

Some of the special schemes for women entrepreneurs implemented by the government bodies and allied institutions are provided below.

  • Schemes of Ministry of MSME
    • Trade related entrepreneurship assistance and development (TREAD) scheme for women
    • Mahila Coir Yojan
  • To read more on activities of Ministry of MSMEs for women development, click here
  • Schemes of Ministry of Women and Child Development
    • Support to Training and Employment Programme for Women (STEP
    • Swayam Siddha
  • Schemes of Kerala State Women’s Development Corporation
    • Self employment loan programmes
    • Educational loan schemes
    • Single women benefit schemes
    • Job oriented training programmes
    • Marketing support for women entrepreneurs
    • Autorickshaw / school van’s driver scheme

Women Entrepreneur Associations
The efforts of government and its different agencies are supplemented by NGOs and associations that are playing an equally important role in facilitating women empowerment. List of various women associations in India is provided in the table below.

Details of Women Entrepreneur Associations in India

Association Name
Website

Federation of Indian Women Entrepreneurs (FIWE)
Federation of Indian Women Entrepreneurs (FIWE)

Consortium of Women Entrepreneurs(CWEI)
CONSORTIUM OF WOMEN ENTREPRENEURS OF INDIA.

Association of Lady Entrepreneurs of Andhra Pradesh
Home - Aleap

Association of Women Entrepreneurs of Karnataka (AWAKE)
Association of Women Entrepreneurs of Karnataka

Self-Employed Women's Association (SEWA)
Self Employed Women’s Association

Women Entrepreneurs Promotion Association (WEPA)
Click here for Profile

The Marketing Organisation of Women Enterprises (MOOWES)
Click here for Profile

8Bihar Mahila Udyog SanghBihar Mahila Udyog Sangh
BIHAR MAHILA UDYOG SANGH

Mahakaushal Association of Woman Entrepreneurs (MAWE)
Home

SAARC Chamber Women Entrepreneurship Council
Page on scwec.com

Women Entrepreneurs Association of Tamil Nadu (WEAT)
Click here for Profile

TiE Stree Shakti (TSS)
TiE Stree Shakti - Index

Women Empowerment Corporation
Women Empowerment Corporation (WEC)
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Amrita Agarwal
Loans for Women owned Small Businesses
Of late, many public and private sector banks have come up with lending schemes for women entrepreneurs. There are many types of loans and schemes that are specifically framed for women entrepreneurs. These schemes are beneficial as they provide relaxation for collateral security requirements as well as rate of interest’ perspective. In most cases, bank loan interest rates for women entrepreneurs vary from 0.25% to 1% only.
  1. Annapurna Scheme:
Any women who have ownership in a business can enjoy the benefits of this scheme. And this is specific to food catering industry. SBI is the main source for this scheme all over India. The number of beneficiaries reported under Annapurna increased in 2016 by 1,47,538 as compared to 2014-15. The growth is 18.9% in percentage terms.
Some of the key highlights of this scheme are:
  • Annapurna scheme was launched in 2000-2001.
  • Up to 10 kg food grains is offered for free for individuals aged above 65 years (provided that the person is not getting pension).
  • This schemes was launched by Ministry of Rural development.
  • This is for women entrepreneurs who are into food catering industry.
  • Within 36 monthly installments loan amount should be repaid along with interest.
  • The maximum loan amount offered is just Rs. 50,000.
  • Collateral and guarantor is essential for this type of loan.
  • The rate of interest applicable on loan is according per market rates.
  • EMI is free for one month after the loan disbursal.
  1. Bharatiya Mahila Bank:
If a woman entrepreneur is looking to start a new venture then this scheme is best. Through this scheme preference is given for applicants who are involved in retail sector, Micro loans, loan against property and also SME loans. This is one of the best entrepreneur loans offered for women as compared to other ones. Some of the loans offered through this scheme are SME easy loan, Beauty parlour loan, Creche loan/ child day care centre loan, catering service loan and so on.
Some of the key highlights of this scheme are:
  • This scheme was inaugurated in the year 2013 by Former Prime Minister Manmohan Singh.
  • Though it accepts deposits for all individuals, preference is given for women applicants.
  • After Pakistan and Tanzania, India is the third country to have bank specifically for women.
  • The first Bihar branch of Bharatiya Mahila Bank was opened in Pune.
  • The account can be opened with zero balance.
  • There are 22 branches in India for this bank.
  • Net banking facility is also offered.
  • While other banks give only 5 free ATM transactions, this bank offers 10 free hits.
  1. Stree Shakthi Package:
Any women who have more than 50% ownership in a business can enjoy the benefits of this scheme. Though all banks offered this scheme, SBI is the main lender of loans with this scheme. Upto 0.50% concession can be availed by women applicants through this loan only if the loan amount is above Rs. 2 lakhs. In order to eligible for this scheme the woman should have participated in the Entrepreneurship Development Programmes. Any small scale units that are managed by one or more women can avail this scheme. Additional concessions are offered if the women are trained for the business she is going to start. Various training programmes are arranged by SBI bank in order to promote women entrepreneurship. And according awards and recognitions are offered.
Some of the key highlights of this scheme are:
  • Minimum financial interest in the business should be 51% for the woman applicant.
  • 50% concession is offered on scheme if loan amount is beyond Rs. 2 lakhs.
  • It is a must that woman should have participated in the Entrepreneurship Development Programmes.
  • This scheme is mostly offered by State Bank of India.
  • This scheme is also offered by Nationalized banks, Small Industries Development Bank of India (SIDBI) and State Finance Corporation.
  • Training and awards offered through this scheme are Entrepreneurship Development Programmes and TREAD – Trade Related Entrepreneurship Assistance and Development.
  1. Dena Shakti Scheme:
This scheme is specially offered by Dena bank only for all women entrepreneurs. Upto 0.25% reduction on rate of interest is offered to women on the basis of this scheme. Sectors covered through this loan are manufacturing, agriculture, retail stores, micro-credit and small enterprises. Maximum Rs. 20 lakhs is offered as loan for housing, retail trading and education industry and Rs. 50,000 is offered as micro credit.
Some of the key highlights of this scheme are:
  • Dena bank business is mainly in Chhattisgarh and Gujarat.
  • Among the various schemes started by the bank for the development of rural area, this scheme is specific for woman.
  • Industries covered by this scheme are Agriculture & allied activities, Small Enterprises, manufacturing enterprises, service enterprises which include water transport operators and small road contract, Retail Trade, Micro Credit, Education, Housing.
  • Maximum Rs. 20 lakhs is offered as loan for housing, retail trading and education industry.
  • 50,000 is offered as micro credit as well as for bank specific schemes.
  • Rate of interest is as per RBI guidelines however up to 0.25% concession is offered for women.
  1. Cent Kalyani Scheme:
Central Bank of India has launched this scheme. Rate of interest will vary according to market rates. This scheme promotes women entrepreneurs who are involved in village and cottage industries, small, micro and medium enterprises, agriculture and any allied activities, self-employed women, retail trade and also government sponsored programmes. Loan is offered upto 1 crore without any guarantor and collateral. If the loan amount is Rs. 10, 00, 000 then rate of interest will be 9.70% + 0.25% = 9.95% and if the loan is for Rs. 10, 00, 000 – 100, 00, 000 then rate of interest will be 9.70% + 0.50% = 10.20.
Some of the key highlights of this scheme are:
  • This scheme is offered by Central Bank of India.
  • This loan does not require collateral or guarantor.
  • Scheme is mainly meant for procurement of machinery or equipment, for meeting capital requirements in the business.
  • Scheme is designed for both new and existing women entrepreneurs.
  • Woman entrepreneur should be into Micro or Small Enterprises.
  • Self-employed women also have opportunity to apply for this loan.
  • Maximum loan amount on this scheme is Rs. 100 lakhs.
  • Rate of margin on this scheme is 20%.
  1. Mahila Udyam Nidhi Scheme:
Punjab National Bank launched this scheme and the maximum amount you can get as loan through this scheme is just Rs. 10 lakhs. The borrower has option to repay the loan within 10 years tenure. Small scale sector is targeted with this scheme. Based on the market rates, rate of interest on the loan will be considered. This scheme promotes businesses such as beauty parlours, buying auto rickshaws, day care centers, two-wheelers and cars purchasing.
Some of the key highlights of this scheme are:
  • This scheme is offered by Punjab National Bank.
  • Scheme is mainly meant for businesses such as beauty parlours, buying auto rickshaws, day care centers, two-wheelers and cars purchasing.
  • Scheme is designed women entrepreneurs only.
  • Loan tenure is up to 10 years and maximum loan amount is Rs. 10 lakhs.
  • This scheme is meant for small sector.
  1. Udyogini Scheme:
Saraswat Bank promoted this scheme to ensure women entrepreneurs get loans at low rate of interest in an easy manner. This type of loan is offered for retail and small-business enterprises and for agricultural activities. Loan is offered at minimum or no processing fees for women entrepreneurs. Loan up to Rs. 2 lakhs is offered for micro enterprises, loan between Rs. 2 lakhs –Rs. 50 lakhs is offered for small scale enterprises and loan above Rs. 50 lakhs is offered for medium enterprises.
Some of the key highlights of this scheme are:
  • This scheme is offered by Saraswat Bank.
  • Maximum loan offered is up to Rs. 50 lakhs.
  • For low rate of interest loans this scheme is the best.
Make use of the above mentioned 7 schemes to avail maximum benefits. Women entrepreneurs are always encouraged through this offers thus try to make the most use of it.
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Shruthi Katta
The MSME (Micro, Small, and Medium Enterprise) Ministry has implemented special schemes dedicated towards women entrepreneurship in India. Organisations such as nationalised banks, NGOs, Small Industries Development Corporations of various states, etc. are carrying out programs such as Entrepreneurship Development Programmes (EDPs) to meet the financial needs of potential women entrepreneurs who lack required education and skills.
Some of the loan subsidy schemes introduced by the Indian Government are:
TREAD Subsidy Scheme for Women:
TREAD stands for Trade Related Entrepreneurship Assistance and Development (TREAD), it is a scheme introduced under the Ministry of Micro, Small & Medium Enterprises. This scheme offers women 30% subsidy on the total cost of the project. The project cost is assessed by lending institutions who provide the remaining loan assistance. This scheme is mainly for women who are unable to get any help from banks as they are either underprivileged, uneducated, or semi-literate. The subsidy is only approved if the loan request is directed through an NGO.
Bharatiya Mahila Bank:
Bharatiya Mahila Bank was started in 2013 and is spread all across the country. The main focus of the bank is to help women who are discriminated by the society, underprivileged, or economically helpless, yet have a dream of starting their own business. Some of the popular loans offered by Bharatiya Mahila Bank are:
  • BMB Annapurna – It is a loan provided for starting business related to food. With zero collateral and a repayment term of up to three years, women can get a maximum of Rs.1 crore as loan. It falls under the category of CGTMSE Scheme (Credit Guarantee Fund Trust for Micro and Small Enterprises) and is offered at an interest rate of 11.75% (Base rate + 1.5%)
  • BMB Shringaar – This is also a subsidiary free loan that can be availed by women for setting up businesses such as beauty parlours, spas, or salons. The Shringaar loans also fall under the CGTMSE Scheme and can be availed at an interest rate of 12.25% (Base rate + 2%). Repayment period is seven years.
  • BMB Parvarish – It is a collateral free loan for women who plan to open a daycare center. Under the CGTMSE Scheme, you can avail this loan for up to Rs.1 crore with a repayment period of five years and an interest rate of 12.25% (Base rate + 2%)
Mahila Udayam Nidhi:
Mahila Udayam Nidhi is a subsidy scheme introduced by the Puducherry Government. Women entrepreneurs who want to start a new SSI unit in Puducherry can apply for this scheme. A seed capital of almost 25% is provided for a project worth Rs.10 lakh. Out of the remaining amount, 65% is funded in the form of term loan and the rest of the 10% is considered to be promoter contribution. Repayment term of this loan is between six to eight years, which includes a 12 year moratorium period.
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Davy Bansal
Here is a list of various schemes and loans exclusively for women that aim at promoting and easing out the process for them –
1. Annapurna Scheme
This scheme is offered by the State Bank of Mysore for those women entrepreneurs who are setting up food catering industry in order to sell packed meals, snacks, etc. The amount granted as a loan under this scheme can be used to fulfill the working capital needs of the business like buying utensils and other kitchen tools and equipment
Under this loan, a guarantor is required along with the assets of the business being pledged as collateral security. Further, the maximum amount of money that is granted is ₹50,000 which has to re-paid in monthly installments for 36 months, however, after the loan is sanctioned, the lender doesn’t have to pay the EMI for the first month. The interest rate is determined depending upon the market rate.
2. Stree Shakti Package For Women Entrepreneurs
This scheme is offered by most of the SBI branches to women who have 50% share in the ownership of a firm or business and have taken part in the state agencies run Entrepreneurship Development Programmes (EDP).
The scheme also offers a discounted rate of interest by 0.50% in case the amount of loan is more than ₹2 lakhs.
3. Bharatiya Mahila Bank Business Loan
This loan is a support system for budding women entrepreneurs looking to start new ventures in the fields of the retail sector, loan against property, MICRO loans, and SME loans.
The maximum loan amount under this loan goes up to ₹20 crores in case of manufacturing industries and also a concession is available to the extent of 0.25% on the interest rate and interest rates usually range from 10.15% and higher.
Additionally, under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), there is no requirement of collateral security for a loan of up to ₹1 crore.
4. Dena Shakti Scheme
This scheme is provided by Dena bank to those women entrepreneurs in the fields of agriculture, manufacturing, micro-credit, retail stores, or small enterprises; who are in need of financial assistance. The interest rate is also decreased by 0.25% along with the maximum loan amount being ₹20 lakhs for retail trade; education and housing whereas ₹50,000 under the microcredit.
5. Udyogini Scheme
This scheme is offered by Punjab and Sind Bank so as to provide women entrepreneurs involved in Agriculture, retail and small business enterprises to get loans for business at flexible terms and concessional interest rates. The maximum amount of loan under this scheme for women between the age bracket of 18-45 years is ₹1 lakhs but your family income is also taken into consideration and is set at ₹45,000 per annum for SC/ST women.
6. Cent Kalyani Scheme
Ths scheme is offered by the Central Bank of India with the aim of supporting women in starting a new venture or expanding or modifying an existing enterprise. This loan can be availed by women who are involved in village and cottage industries, micro, small and medium enterprises, self-employed women, agriculture and allied activities, retail trade, and government-sponsored programs.
This scheme requires no collateral security or guarantor and charges no processing fees. And the maximum amount that can be granted under the scheme is Rs. 100 lakhs.
7. Mahila Udyam Nidhi Scheme
This scheme is launched by Punjab National Bank and aims at supporting the women entrepreneurs involved in the small scale industries by granting them soft loans that can be repaid over a period of 10 years. Under this scheme there are different plans for beauty parlors, day care centres, purchase of auto rickshaws, two-wheelers, cars, etc. the maximum amount granted under this scheme is ₹10 lakhs and the interest depends upon the market rates.
8. Mudra Yojana Scheme For Women
This scheme has been launched by the Govt. of India for individual women wanting to start small new enterprises and businesses like beauty parlors, tailoring units, tuition centres, etc. as well as a group of women wanting to start a venture together. The loan doesn’t require any collateral security and can be availed as per 3 schemes –
i. Shishu – loan amount is limited to ₹50,000 and can be availed by those businesses that are in their initial stages.
ii. Kishor – loan amount ranges between ₹50,000 and ₹5 lakhs and can be availed by those who have a well-established enterprise.
iii. Tarun – loan amount is ₹10 lakhs and can be availed by those businesses that are well established but require further funds for the purpose of expansion
If the loan is granted, a Mudra card will be given to you which functions the same way as a credit card however the funds available are limited to 10% of the loan amount granted to you.
9. Orient Mahila Vikas Yojana Scheme
This scheme is provided by Oriental Bank of Commerce to those women who hold a 51% share capital individually or jointly in a proprietary concern. No collateral security is required for loans of ₹10 lakhs up to ₹25 lakhs in case of small-scale industries and the period of repayment is 7 years. A concession on the interest rate of up to 2% is given.
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2.8k Views
George John
These are the Important Schemes for Women Entrepreneurs in India.
1. Annapurna Scheme
This scheme is offered by the State Bank of Mysore for those women entrepreneurs who are setting up food catering industry in order to sell packed meals, snacks, etc. The amount granted as a loan under this scheme can be used to fulfill the working capital needs of the business like buying utensils and other kitchen tools and equipment.
2. Stree Shakti Package For Women Entrepreneurs
This scheme is offered by most of the SBI branches to women who have 50% share in the ownership of a firm or business and have taken part in the state agencies run Entrepreneurship Development Programmes (EDP).
The scheme also offers a discounted rate of interest by 0.50% in case the amount of loan is more than ₹2 lakhs.
3. Bharatiya Mahila Bank Business Loan
This loan is a support system for budding women entrepreneurs looking to start new ventures in the fields of the retail sector, loan against property, MICRO loans, and SME loans.
The maximum loan amount under this loan goes up to ₹20 crores in case of manufacturing industries and also a concession is available to the extent of 0.25% on the interest rate and interest rates usually range from 10.15% and higher.
4. Dena Shakti Scheme
This scheme is provided by Dena bank to those women entrepreneurs in the fields of agriculture, manufacturing, micro-credit, retail stores, or small enterprises; who are in need of financial assistance. The interest rate is also decreased by 0.25% along with the maximum loan amount being ₹20 lakhs for retail trade; education and housing whereas ₹50,000 under the micro credit.
5. Orient Mahila Vikas Yojana Scheme
This scheme is provided by Oriental Bank of Commerce to those women who hold a 51% share capital individually or jointly in a proprietary concern. No collateral security is required for loans of ₹10 lakhs up to ₹25 lakhs in case of small-scale industries and the period of repayment is 7 years. A concession on the interest rate of up to 2% is given.
6. Mudra Yojana Scheme For Women
This scheme has been launched by the Govt. of India for individual women wanting to start small new enterprises and businesses like beauty parlors, tailoring units, tuition centres, etc. as well as a group of women wanting to start a venture together. The loan doesn’t require any collateral security and can be availed as per 3 schemes –
i. Shishu – loan amount is limited to ₹50,000 and can be availed by those businesses that are in their initial stages.
ii. Kishor – loan amount ranges between ₹50,000 and ₹5 lakhs and can be availed by those who have a well-established enterprise.
iii. Tarun – loan amount is ₹10 lakhs and can be availed by those businesses that are well established but require further funds for the purpose of expansion
1.6k Views
Joy K Sahoo
Stree Shakthi Package for Women Entrepreneurs
The Stree Shakthi Package is applicable for entrepreneurs who run small businesses and have 50% of firm ownership. Women entrepreneurs who have pursued Entrepreneurship Development Programmes (EDP) organized by state level agencies are only eligible for this loan. Under this scheme, you will get all the necessary assistance for establishing your business. Interest concession of 0.50% can be availed only if you obtain a loan above Rs. 2 lakhs under this scheme.

Annapurna Scheme
The Annapurna Scheme is applicable for women entrepreneurs running individual business or partnership firms. The main motive of this scheme is to provide financial aid to female business owners for establishing food catering unit. This is a composite term loan and you can avail a maximum amount up to INR 50000. You can repay the loan in 36 monthly installments with a moratorium period of one month. These business loans for women can also be used as working capital for purchasing utensils, water filters and other kitchen equipment required for food business. You need a guarantor for securing this type of loan. The interest rate for these loans is applicable as per the prevailing rates. For securing this loan, you need to submit assets as collateral to the bank.

Cent Kalyani Scheme
This scheme is provided by Central Bank of India for the benefit of female entrepreneurs. Under this scheme, a women entrepreneur can get adequate financial assistance for starting a new venture. Cent Kalyani provides loans to new as well as experienced business owners, professionals and self employed. Besides, these business loans for women can also be availed by retail traders, small scale industry owners and women entrepreneurs engaged in agricultural and allied activities as well as in village and cottage industries.

Dena Shakti Scheme
Dena Shakti Scheme under the Dena Bank has promoted female women-owned businesses by providing various financial services to them. You can avail loans under this scheme at a concession of 0.25% on interest rate. This scheme provides business loans for women engaged in manufacturing sector as well as agriculture and allied activities. Besides, business owners running small enterprises, micro-credit or retail stores can also avail this loan.

Mahila Udyam Nidhi Scheme
Mahila Udyam Nidhi Scheme (MUN) under Small Industries Development Bank of India provides financial assistance up to Rs. 10 lakhs to female entrepreneurs for setting up new industrial venture in small scale sector.
Udyogini Scheme
Udyogoni is a scheme of Punjab and Sind Bank that motivates female business owners to obtain loans on liberal terms and low interest rates. This loan is taken for establishing small scale industries, business enterprises as well as for agricultural activities. Moreover, this loan is also available for retail traders and other self-employed female entrepreneurs.

The aforementioned schemes are available as per the norms of the Indian government for the enhancement of women oriented businesses in the country. Biz2Credit can help you avail these business loans for women with great ease with free consultation and proper guidance regarding the loan application process.

For more info you can contact the experts at Biz2Credit Info Services, India.
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Tejash D Mehta
Schemes for Women-Owned Businesses
Of late, many reputed banks have come up with attractive lending schemes for female entrepreneurs. There are many schemes that are exclusively framed for women entrepreneurs. These schemes are advantageous for them since they provide relaxation both in terms of collateral security and rate of interests. In most cases, interest rate varies from 0.25 percent to 1 percent on applicable terms and conditions. Many banks even have special cells for female entrepreneurs. They provide on-ground training and counseling to the women business owners as well as show them avenues for promoting and marketing their businesses.
Here's an insight into the various types of online business loans for women in India.
Stree Shakthi Package for Women Entrepreneurs
The Stree Shakthi Package is applicable for entrepreneurs who run small businesses and have 50% of firm ownership. Women entrepreneurs who have pursued Entrepreneurship Development Programmes (EDP) organized by state level agencies are only eligible for this loan. Under this scheme, you will get all the necessary assistance for establishing your business. Interest concession of 0.50% can be availed only if you obtain a loan above Rs. 2 lakhs under this scheme.
Annapurna Scheme
The Annapurna Scheme is applicable for women entrepreneurs running individual business or partnership firms. The main motive of this scheme is to provide financial aid to female business owners for establishing food catering unit. This is a composite term loan and you can avail a maximum amount up to INR 50000. You can repay the loan in 36 monthly installments with a moratorium period of one month. These online business loans for women can also be used as working capital for purchasing utensils, water filters and other kitchen equipment required for food business. You need a guarantor for securing this type of loan. The interest rate for these loans is applicable as per the prevailing rates. For securing this loan, you need to submit assets as collateral to the bank.
Cent Kalyani Scheme
This scheme is provided by Central Bank of India for the benefit of female entrepreneurs. Under this scheme, a women entrepreneur can get adequate financial assistance for starting a new venture. Cent Kalyani provides loans to new as well as experienced business owners, professionals and self employed. Besides, these business loans for women can also be availed by retail traders, small scale industry owners and women entrepreneurs engaged in agricultural and allied activities as well as in village and cottage industries.
Dena Shakti Scheme
Dena Shakti Scheme under the Dena Bank has promoted female women-owned businesses by providing various financial services to them. You can avail loans under this scheme at a concession of 0.25% on interest rate. This scheme provid es business loans for women engaged in manufacturing sector as well as agriculture and allied activities. Besides, business owners running small enterprises, micro-credit or retail stores can also avail this loan.
Mahila Udyam Nidhi Scheme
Mahila Udyam Nidhi Scheme (MUN) under Small Industries Development Bank of India provides financial assistance up to Rs. 10 lakhs to female entrepreneurs for setting up new industrial venture in small scale sector
Udyogini Scheme
Udyogoni is a scheme of Punjab and Sind Bank that motivates female business owners to obtain loans online at liberal terms and low interest rates. This loan is taken for establishing small scale industries, business enterprises as well as for agricultural activities. Moreover, this loan is also available for retail traders and other self-employed female entrepreneurs. The aforementioned schemes are available as per the norms of the Indian government for the enhancement of women oriented businesses in the country. Biz2Credit can help you avail these online business loans for women with great ease with free consultation and proper guidance regarding the loan application process.
2.8k Views · Answer requested by Umesh Soni
Hello,
              There are various schemes (loan,subsidy) and new programs to support woman entrepreneurs in india.
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Please visit for more info & for registration - Empowering Women Entrepreneurs, Women Entrepreneurs in India
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Anuj Pandey
There are many schemes for business loan for womens in India especially for women who want to start their own business.
Annapurna Scheme - This scheme is offered by the State Bank of Mysore to those women entrepreneurs who are in food catering industry. The maximum amount of loan granted is ₹50,000 which has to re-paid in 36 months EMI.
Stree Shakti Package for Women Entrepreneurs - It is offered by SBI to those women who have 50% share in the business and gets 0.50% discounted rate of interest.
Bharatiya Mahila Bank Business Loan - This scheme is offered to those women who are an entrepreneur in retail sector and can get loan upto Rs. 20 crores.
Dena Shakti Scheme - It is offered to women entrepreneurs in the fields of agriculture, manufacturing, micro-credit, retail stores, or small enterprises. They are offered loan upto Rs. 20 lakhs.
Udyogini Scheme - This scheme is offered by Punjab and Sind Bank to women starting business in the fields agriculture, retail and small business enterprises.
Cent Kalyani Scheme- It is offered by Central Bank of India for those women in starting a new venture or expanding or modifying an existing enterprise.
Mahila Udyam Nidhi Scheme – This is offered by Punjab National Bank to women entrepreneurs who are involved in the small-scale industries.
Mudra Yojana Scheme for Women- It is launched by the Govt. of India for individual women who want to start small new enterprises and businesses like beauty parlors, tailoring units, tuition centres, etc.
Orient Mahila Vikas Yojana Scheme – It is offered by Oriental Bank of Commerce to those women who hold 51% share in business.
All these schemes are specified for women entrepreneurs in India.
1.2k Views
Deepak Wani
Women entrepreneur was a myth in India till date. Women have always remained silent partner in business. But situation has changed now a days. Hidden talents have found their path and many women are making their own mark in startup industry. Indian govt and banks are always ready to be your support with their encouraging schemes.
           (  Word of caution for all these to apply woman must have partnership of more than 50% in a business )
            Under Bank of India’s, Priyadarshini Yojana scheme, no collateral security is required for loans up to Rs 5 lakh and for small-scale industries (SSI) units and there is a relief of interest rates from 0.5% to 1 %. Similarly, Oriental Bank of Commerce’s Orient Mahila Vikas Yojana scheme, there is upto 2% concessions and no collateral security for loans upto Rs.10 lacs and in case of SSI no collateral security required up to Rs.25 lacs.. The banks also have micro-credit units which provides doorstep services to rural women. Similarly for SBI’s Stree Shakti Package, security is waived for loans up to Rs 5 lakh for industrial units.
Some banks like State Bank of India (SBI) and Canara Bank have special cells for women entrepreneurs. Besides consulting, these cells provide training, counseling and at times avenues for showcasing and marketing their products.

They give a more realistic view of the businesses and often give references of similar businesses and the issues they were facing initially. Canara Bank has took the lead by establishing the Centre for Entrepreneurship Development (CED) for Women. The bank has also opened exclusive branches for women — the Mahila banking division — the first of its kind in the banking industry

http://www.indiafilings.com/lear...
Govt subsidies are well described on this link do visit.

Have happy business..
14.4k Views · View Upvoters
Singh Sahab
The objective of the Stand-Up India Scheme is to facilitate bank loans between 10 lakh to 100 lakh to atleast one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and atleast one Woman borrower per bank branch of all scheduled commercial banks for setting up a greenfield enterprise
Eligibility
  • SC/ST and/or woman entrepreneurs, above 18 years of age.
  • Loans under the scheme is available for only green field project. Green field signifies, in this context, the first time venture of the beneficiary in the manufacturing or services or trading sector.
  • In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held by either SC/ST and/or Women Entrepreneur.
  • Borrower should not be in default to any bank/financial institution.
Read more at http://www.onlinefilings.co.in/s...
3.1k Views · View Upvoters
Santosh Abraham
Hi Kirti,
Congrats for taking a bold step ahead, you can contact SIDBI for a loan, even panchyat level provision for loans is available for selected Women empowerment projects.
https://yourstory.com/2016/01/go...
5.6k Views · Answer requested by Kirti Aggarwal Brar
In India, few banks offer loans for women entrepreneur to start their own business. Such banks are Bharatiya Mahila Bank Ltd., Central Bank of India, Vijaya Bank, ICICI Bank, SIDBI, etc. Among these banks, Bharatiya Mahila Bank Ltd. is the first of its kind in the Indian Banking Industry. It’s vision is to empower women economically. It’s mission is to encourage women entrepreneurship and to eliminate lending bias against women. Also, bank’s mission is to educate and embolden women to establish their rights to asset ownership. Bank’s mission also includes to support women’s livelihood. While the Bank focuses on the entire pyramid of Indian women, special attention is given to economically neglected, deprived, discriminated, underbanked, unbanked, rural and urban women to ensure inclusive and sustainable growth.
SPECIAL LOANS FOR WOMEN ENTREPRENEUR OFFERED BY BHARATIYA MAHILA BANK LTD:
  • Shringaar Loan – Loan for Beauty Parlour, Saloon or Spa
  • Annapurna Loan – Loan for Food Catering
  • Kitchen Modernization Loan
  • Parvarish Loan – Loan for Day Care Centre
If you wants more detail about load or apply for loan check out : http://www.moneymaya.in/loans-fo...
1.5k Views · View Upvoters
Neha Sharma
If you’re a women entrepreneur or an aspiring one and you aren't aware of the special loan that are exclusively available to you, then this article is for you.These special schemes offer flexibility in terms of collateral security as well as interest rates. Many banks even offer proper counseling sessions for women entrepreneurs and show them proper avenues of growth and ways to promote their businesses. I have put together an exhaustive list of these loans, just for you. These scheme loans are Annapurna Scheme, Stree Shakti package for women entrepreneurs, Bharatiya Mahila Bank Business loan, Dena Shakti Scheme, Udyogini scheme and Cent Kalyani Scheme. Even these days there are several online platforms that offer small business loans to support entrepreneurs and ask for minimum documents. The one I would highly recommend is Lendingkart.
91 Views
Amit Kumar
In today's world, women are breaking stereotypes and increasingly focusing on carving a niche for themselves in the competitive world of business. Amazingly, this ambition is also permeating into the lesser developed regions of India. Especially for women entrepreneurs in rural areas, there is a pressing need for adequate funds to kick-start their businesses and arranging for the capital is often a major challenge. To encourage women entrepreneurs and promote them Indian government has made many financial/subsidy schemes available such as Stree Shakthi package, Annapurna, Cent Kalyani, Dena Shakti, Sidbi Mahila Udyam Nidhi, Udyogini, and many more. Even several banks have also come up with their special schemes and now are offering women entrepreneurs loans at fair interest rates such as lendingkart. You can also apply business loan at Lendingkart Mobile App for instant business loan.
1.5k Views

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