10 Loan Schemes For Women Entrepreneurs In India run by Government of India in 2023 for women entrepreneurs
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With the aim of removing every obstacle coming in the way of women entrepreneurs, the Central Government is running various welfare schemes. Availability of capital is a major factor in promoting entrepreneurship. But now there is good news for women entrepreneurs who want to broaden their horizon and start their own business or startup. Here we are providing you a list of 10 business loan schemes for women entrepreneurs. With these scheme, women will get loans up to Rs 25 lakh without guarantee.
If we compare the figures of Startup India in India, out of total entrepreneurs in India, women entrepreneurs are only 8 million and on the other hand, male entrepreneurs are more than 50 million. From these figures, we can find out that there are very few women entrepreneurs in our country. In view of women empowerment and women's entrepreneurship, many such schemes have been implemented by the Government of India, so that women entrepreneurs can be seen everywhere in India's startup ecosystem. Women will not only work within the four walls of their homes, but women will also be able to start their own business without any financial constraints.
Apart from the Government of India, bank branches also provide special loans to give a new flight to the spirits of women, so that they can start their initial business very easily. Today we will tell you what new schemes have been made by the government for women entrepreneurs, which will encourage women empowerment and start their new startup, so let's know about these new schemes –
Business Loan Schemes for Women
Government Loan Schemes for Women Entrepreneurs -: Many banks are providing special loan facilities to women entrepreneurs at affordable rates. Many such schemes have been implemented by the Central Government as Women Entrepreneur Schemes. These women empowerment schemes are helping to grow women entrepreneurs in the startup ecosystem of India. Let us know about such schemes which help women entrepreneurs to start their business. Gone are the days when women in India were confined inside homes or kept on 9 in the morning to 5 in the evening jobs. Now the time has turned in favor of women to help them emerge as prominent entrepreneurs. Although the world is familiar with women in business like Chanda Kochhar, Indra Nooyi, Ekta Kapoor, they have inspired many to make a mark of their own. To all women full of enthusiasm and ideas to generate revenue, The Government of India has taken steps. It has brought together several schemes and subsidies, thereby ensuring that these women entrepreneurs do not face capital constraints.
List of 10 Business Loan Schemes for Women:
List of 10 Business Loan Schemes for Women in India -: Here is a list of 10 Business Loan Schemes for Women Entrepreneurs for 2022 launched to provide loans up to Rs.25 Lakh to women for their business Have gone:-
1. Annapurna Scheme
Annapurna Yojana was started by the Government of India on 31 October 2015 from Bamori village of Jaipur district. Under the Annapurna Yojana, those women entrepreneurs who want to set up food catering industry to sell food items like packaged food, snacks etc. Under this scheme, a loan amount of fifty thousand rupees will be given to those women entrepreneurs by the State Bank of Mysore and which will have to be paid in monthly installments of 36 months. This loan will be given to meet the primary needs of the woman entrepreneur, that is, to buy utensils and other equipment. The interest rate of this loan will be charged according to the market rate and to get this loan, the women entrepreneur needs a guarantor, because without the guarantor, this loan will not be given to the women entrepreneur. It is a very good step taken by the Government of India for women entrepreneurs.
2. Oriental Women's Development Scheme (Orient Mahila Vikas Yojana Scheme)-
Oriental Mahila Vikas Yojana -: Under this scheme, Oriental Bank of Commerce (OBC) bank provides loans to women who are self-employed, individually or jointly, and hold 51% share capital. In Oriental Mahila Vikas Yojana, women entrepreneurs are given loans ranging from Rs 10 lakh to Rs 25 lakh for small scale industries. Accordingly, no guarantor is required to avail this loan and women entrepreneurs can repay their loan over a period of 7 years. Loan interest rate concession of about 2% is also given to women entrepreneurs.
3. Mudra Yojana Scheme for Women –
Under this scheme, run by the Government of India, women who want to start their business with small enterprises, such as tuition centers, tailoring units or beauty parlours, are given loans without the need for any collateral guarantor. You will also be given a Mudra card at the time of loan disbursement and this Mudra card will work like your credit card with a limit of 10% of the loan amount. You can take advantage of Mudra Yojana through three people, which are as follows –
Shishu – In this the loan amount is limited to 50000.
Kishore – In this the loan amount ranges from Rs 50000 to Rs 5 lakh. It can be availed by people with established enterprise.
Tarun – In this the loan amount is up to Rs.1000000.
Through these three steps, women entrepreneurs can easily take advantage of this Mudra Yojana and do well in their business.
4. Bharatiya Mahila Bank Business Loan
Bharatiya Mahila Bank Business Loan:
Bharatiya Mahila Bank Business Loan is tailored for women entrepreneurs who want to start their new venture against property, retail and SME. Women entrepreneurs are given maximum loan amount up to 200000000 under this scheme and on which a rebate of 0.25% is also given. The interest rate on this loan amount is usually 10.15% or more. The best thing about the Bharatiya Mahila Bank Vocationalization Scheme is that it does not require collateral security for loans up to one crore under the Credit Guarantee Fund Trust for Small and Micro Enterprises.
5. Dena Shakti Scheme –
If women entrepreneurs want to grow their business in the field of agriculture, manufacturing, micro-credit, retail stores or micro enterprises and those who need financial assistance, these types of loans are provided under Dena Shakti Yojana. Women entrepreneurs are given a maximum loan amount of 2000000 under this scheme for retail business, on which the interest rate is zero point 25%. Women entrepreneurs can easily repay this amount through monthly payment of installments by the bank provided in the loan.
6. Udyogini Scheme –
Mahila Udyogini Scheme -: Under the Udyogini scheme, women whose age is between 18 and 45 years are given loans up to Rs 1 lakh. These loans are for working in business, agriculture, retail and small entrepreneur sector. If the annual income of the family of a female entrepreneur is less than Rs 45000 then only she can get loan through Udyogini Yojana. A subsidy of 30% is also provided for loans up to Rs 10,000 to widows, destitute or disabled women belonging to SC and ST categories.
7. Cent Kalyani Scheme –
If women want to start their new venture or want to modify it, then they are given the benefit of DHS loan scheme by the Central Bank of India. Under this scheme, this loan can be taken by those women entrepreneurs who are involved in business enterprises like village, small, and medium industries, self-employment, agricultural retail trade. Under this scheme, women entrepreneurs do not require any guarantor while taking loan and the maximum loan amount given under this scheme is 1 lakh.
8. Mahila Udyam Nidhi Scheme
Mahila Udyam Nidhi Yojana has been launched by the Punjab National Bank and the objective of this scheme is to support the women enterprises involved in small scale industries by giving them loans. The loan amount given under the Mahila Udyam Nidhi Yojana can be easily repaid by the women entrepreneur in a period of 10 years. Under Mahila Nidhi Yojana, different loan schemes are also included to buy beauty parlor, day care center, auto rickshaw two wheeler Radhe and the maximum loan amount given under this scheme is Rs 1000000.
9. Stree Shakti Package for Women Entrepreneurs-
Under this scheme, the rate of exemption in the loan amount is given to the women entrepreneurs. Under this scheme, if the loan amount of women entrepreneur is more than 200000, then it provides a rebate of 0.50% on that interest rate. This scheme has been operated by the government in most of the branches of SBI Bank.
Women entrepreneurs are being given the benefit of all these good schemes by the Government of India to increase their business. This step taken by the bank and the government to increase women empowerment and women empowerment is very beneficial. If you also want to open your new startup, then with the help of all these schemes, give a new direction to your new startup.
10. Pradhan Mantri Sukanya Samriddhi Yojana:
Pradhan Mantri Sukanya Samriddhi Yojana -: Under the SSY scheme, loans are given to women starting businesses from small enterprises. This includes tuition centers, tailoring units or beauty parlors etc. Women will also get Mudra card at the time of lending and this Mudra card will work like your credit card and will have a limited amount of 10%. Loan amount. Apart from this, the loan amount is given between Rs 50,000 to Rs 5 lakh. The loan amount under the Tarun component of the Mudra scheme is Rs 10 lakh.
CONCLUSION
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