{"id":16662,"date":"2026-02-24T06:35:57","date_gmt":"2026-02-24T13:05:57","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=16662"},"modified":"2026-02-24T06:35:57","modified_gmt":"2026-02-24T13:05:57","slug":"government-schemes-for-women-entrepreneurs","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/government-schemes-for-women-entrepreneurs\/","title":{"rendered":"Top 10 Government Schemes for Women Entrepreneurs in India 2026"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/government-schemes-for-women-entrepreneurs\/#List_of_Government_Schemes_for_Women_Entrepreneurs_in_India_2026\" >List of Government Schemes for Women Entrepreneurs in India (2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/government-schemes-for-women-entrepreneurs\/#Top_10_Government_Schemes_for_Female_Entrepreneurs_in_India\" >Top 10 Government Schemes for Female Entrepreneurs in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/government-schemes-for-women-entrepreneurs\/#How_to_Apply_for_Government_Schemes_for_Women_Entrepreneurs\" >How to Apply for Government Schemes for Women Entrepreneurs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/government-schemes-for-women-entrepreneurs\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/government-schemes-for-women-entrepreneurs\/#Government_Schemes_for_Women_Entrepreneurs_FAQs\" >Government Schemes for Women Entrepreneurs | FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/personal-finance\/\">Personal Finance<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/personal-finance\/women-financial-planning\/\">Women Financial Planning<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>Top 10 Government Schemes for Women Entrepreneurs in India 2026<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to MSME estimates, women lead over <strong>20% <\/strong>of registered micro, small, and medium enterprises in the country. Yet, access to formal credit, institutional support, and growth capital remains one of the biggest challenges for many women-led businesses. To bridge this gap, the Government of India has introduced several targeted initiatives thatsupport women entrepreneurs through business loans, credit guarantees, subsidies, skill development, and market access programs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains the key govt schemes for female entrepreneurs in India, their objectives, and check your eligibility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"List_of_Government_Schemes_for_Women_Entrepreneurs_in_India_2026\"><\/span>List of Government Schemes for Women Entrepreneurs in India (2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Scheme Name<\/strong><\/td><td><strong>Year Introduced<\/strong><\/td><td><strong>Introduced By<\/strong><\/td><\/tr><tr><td>Stand-Up India Scheme<\/td><td>2016<\/td><td>Ministry of Finance, Government of India<\/td><\/tr><tr><td>Pradhan Mantri Mudra Yojana (PMMY)<\/td><td>2015<\/td><td>Ministry of Finance, Government of India<\/td><\/tr><tr><td>Prime Minister\u2019s Employment Generation Programme (PMEGP)<\/td><td>2008<\/td><td>Ministry of MSME<\/td><\/tr><tr><td>Mahila Coir Yojana<\/td><td>2014<\/td><td>Ministry of&nbsp; MSME (Coir Board)<\/td><\/tr><tr><td>TREAD Scheme<\/td><td>2004<\/td><td>Ministry of MSME<\/td><\/tr><tr><td>Udyogini Scheme<\/td><td>1997<\/td><td>Government of India (Implemented via State Agencies)<\/td><\/tr><tr><td>Mahila Udyam Nidhi Scheme<\/td><td>1993<\/td><td>SIDBI<\/td><\/tr><tr><td>Bharatiya Mahila Bank Business Loan<\/td><td>2013<\/td><td>Bharatiya Mahila Bank (Government-owned; later merged with SBI)<\/td><\/tr><tr><td>Dena Shakti Scheme<\/td><td>2008<\/td><td>Dena Bank (Public Sector Bank; now merged with Bank of Baroda)<\/td><\/tr><tr><td>Cent Kalyani Scheme<\/td><td>2017<\/td><td>Central Bank of India<\/td><\/tr><tr><td>Women Entrepreneur Fund<\/td><td>2016<\/td><td>SIDBI<\/td><\/tr><tr><td>Women Entrepreneurship Platform (WEP)<\/td><td>2018<\/td><td>NITI Aayog<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note: <\/strong>Some schemes are implemented through public sector banks or have undergone institutional mergers. Applicants should verify current availability with the respective bank or official portal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top_10_Government_Schemes_for_Female_Entrepreneurs_in_India\"><\/span>Top 10 Government Schemes for Female Entrepreneurs in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The government has introduced multiple schemes to support women entrepreneurs across business sizes, sectors, and growth stages. Below is a detailed overview of the key government schemes available to <a href=\"https:\/\/shoonya.com\/blog\/top-10-women-entrepreneurs-in-india\/\" type=\"link\" id=\"https:\/\/shoonya.com\/blog\/top-10-women-entrepreneurs-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">women entrepreneurs in India<\/mark><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Stand-Up India Scheme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Stand-Up India Scheme was launched to promote entrepreneurship among women and individuals from SC\/ST communities by providing structured bank loans for new businesses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective:<\/strong> To encourage women entrepreneurs to set up greenfield enterprises in manufacturing, trading, or services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Facilitates bank loans through scheduled commercial banks<\/li>\n\n\n\n<li>At least one woman borrower per bank branch<\/li>\n\n\n\n<li>Supports first-time entrepreneurs<\/li>\n\n\n\n<li>Includes handholding support through the Stand-Up Mitra portal<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan Amount<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b910 lakh to \u20b91 crore<\/li>\n\n\n\n<li>Composite loan (includes term loan + working capital)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women entrepreneurs aged 18+<\/li>\n\n\n\n<li>Must set up a new (greenfield) enterprise<\/li>\n\n\n\n<li>The majority stake (51%+) must be held by the woman applicant<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Pradhan Mantri Mudra Yojana (PMMY)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pradhan Mantri Mudra Yojana provides collateral-free loans to micro and small businesses, including women-led enterprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective:<\/strong> To support non-corporate, non-farm small businesses through accessible credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collateral-free loans<\/li>\n\n\n\n<li>Available through banks, NBFCs, and microfinance institutions<\/li>\n\n\n\n<li>Designed for micro-enterprises<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan Categories<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Shishu<\/strong> \u2013 Up to \u20b950,000<\/li>\n\n\n\n<li><strong>Kishor<\/strong> \u2013 \u20b950,000 to \u20b95 lakh<\/li>\n\n\n\n<li><strong>Tarun<\/strong> \u2013 \u20b95 lakh to \u20b910 lakh<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women running small shops, service units, or home-based businesses<\/li>\n\n\n\n<li>Existing or new micro-enterprises<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Prime Minister\u2019s Employment Generation Programme (PMEGP)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">PMEGP is a credit-linked subsidy scheme that promotes self-employment by establishing micro-enterprises in rural and urban areas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective: <\/strong>To generate employment opportunities by supporting new micro-enterprises, with special benefits for women entrepreneurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit-linked subsidy scheme<\/li>\n\n\n\n<li>Implemented by the Ministry of MSME<\/li>\n\n\n\n<li>Executed through KVIC, KVIBs, and District Industries Centres (DICs)<\/li>\n\n\n\n<li>Higher subsidy rates for women compared to general category applicants<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Maximum project cost:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Up to \u20b950 lakh (manufacturing)<\/li>\n\n\n\n<li>Up to \u20b920 lakh (services\/business)<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Subsidy for women:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Up to 25% (urban areas)<\/li>\n\n\n\n<li>Up to 35% (rural areas)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women above 18 years of age<\/li>\n\n\n\n<li>New entrepreneurs starting micro-enterprises<\/li>\n\n\n\n<li>Minimum 8th pass required for projects above certain limits<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. Mahila Coir Yojana<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mahila Coir Yojana is a women-focused initiative to increase participation in the coir industry by providing training and financial assistance for equipment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective: <\/strong>To empower women, especially in rural and coastal areas, by promoting self-employment in the coir sector.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Implemented by the Coir Board under the Ministry of MSME<\/li>\n\n\n\n<li>Provides structured skill training in coir spinning and processing<\/li>\n\n\n\n<li>Encourages women to start home-based or small-scale units<\/li>\n\n\n\n<li>Focused on livelihood generation in traditional industries<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Subsidy support for motorised ratts and coir-processing equipment<\/li>\n\n\n\n<li>Training programmes conducted through authorised centres<\/li>\n\n\n\n<li>Support aimed at reducing inthe itial capital cost for women<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women interested in coir-based production activities<\/li>\n\n\n\n<li>Particularly beneficial for women in coastal and rural regions<\/li>\n\n\n\n<li>Applicants must meet the eligibility criteria set by the Coir Board<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5. TREAD Scheme: (Trade-Related Entrepreneurship Assistance and Development Scheme)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The TREAD Scheme is designed to strengthen women-led micro-enterprises by combining financial support with training and capacity-building.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective:<\/strong> To promote sustainable entrepreneurship among women through credit facilitation and skill development support.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introduced by the Ministry of MSME<\/li>\n\n\n\n<li>Financial assistance is routed through NGOs<\/li>\n\n\n\n<li>Focuses on both training and credit support<\/li>\n\n\n\n<li>Encourages capacity building before credit linkage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The government provides grant support for training programmes<\/li>\n\n\n\n<li>Credit is extended through lending institutions via NGOs<\/li>\n\n\n\n<li>Designed primarily for micro-level enterprises<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women entrepreneurs operating or planning micro enterprises<\/li>\n\n\n\n<li>Women who require both financial support and structured training<\/li>\n\n\n\n<li>Applications are generally routed through eligible NGOs<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">6. Udyogini Scheme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Udyogini Scheme is designed to promote self-employment among women by providing subsidised financial assistance for small business activities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective<\/strong><strong>: <\/strong>To support women, especially from economically weaker sections, in starting micro and small enterprises across manufacturing, trade, and services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Implemented through state governments in association with banks<\/li>\n\n\n\n<li>Focuses on women from low-income backgrounds<\/li>\n\n\n\n<li>Covers a wide range of small business activities<\/li>\n\n\n\n<li>Provides financial support along with possible subsidy benefits<\/li>\n\n\n\n<li>Encourages entrepreneurship in rural and semi-urban areas<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan amount varies by state and implementing agency<\/li>\n\n\n\n<li>Subsidy support available for eligible categories<\/li>\n\n\n\n<li>Designed for small-scale income-generating activities<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women entrepreneurs aged 18 and above<\/li>\n\n\n\n<li>Women from economically weaker sections<\/li>\n\n\n\n<li>Applicants meeting income and category criteria defined by the state<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">7. Mahila Udyam Nidhi Scheme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Mahila Udyam Nidhi Scheme is designed to encourage women to establish and expand small-scale industrial enterprises by providing institutional financing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective:<\/strong> To promote women-led small-scale industries by offering long-term financial assistance for project setup and expansion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introduced by SIDBI (Small Industries Development Bank of India)<\/li>\n\n\n\n<li>Supports new and existing women entrepreneurs<\/li>\n\n\n\n<li>Focuses on small-scale and manufacturing-based enterprises<\/li>\n\n\n\n<li>Encourages modernisation and business expansion<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan support of up to \u20b910 lakh<\/li>\n\n\n\n<li>Can be used for:\n<ul class=\"wp-block-list\">\n<li>Setting up new industrial units<\/li>\n\n\n\n<li>Expansion of existing businesses<\/li>\n\n\n\n<li>Purchase of machinery or equipment<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women entrepreneurs establishing small-scale industries<\/li>\n\n\n\n<li>Existing women-led enterprises are planning expansion<\/li>\n\n\n\n<li>Applicants meeting the SIDBI eligibility norms<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">8. Bharatiya Mahila Bank Business Loan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Bharatiya Mahila Bank Business Loan was introduced to improve women\u2019s access to formal banking credit and promote women-led enterprises across sectors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective: <\/strong>To provide dedicated financial support to women entrepreneurs for starting or expanding their businesses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Launched by Bharatiya Mahila Bank in 2013<\/li>\n\n\n\n<li>Designed exclusively for women borrowers<\/li>\n\n\n\n<li>Covered both new and existing businesses<\/li>\n\n\n\n<li>Offered competitive interest rates for women-led enterprises<\/li>\n\n\n\n<li>Later integrated into the State Bank of India (SBI) after the bank\u2019s merger<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Business loans for:\n<ul class=\"wp-block-list\">\n<li>Business setup<\/li>\n\n\n\n<li>Working capital requirements<\/li>\n\n\n\n<li>Purchase of machinery or equipment<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Loan limits varied based on business profile and banking norms<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women entrepreneurs with majority ownership in the enterprise<\/li>\n\n\n\n<li>Applicants meeting bank credit and documentation requirements<\/li>\n\n\n\n<li>New and existing business owners<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">9. Dena Shakti Scheme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Dena Shakti Scheme was introduced to provide concessional credit support to women entrepreneurs across multiple sectors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective: <\/strong>To promote women-led enterprises by offering loans at preferential interest rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Launched by Dena Bank in 2008<\/li>\n\n\n\n<li>Targeted exclusively at women entrepreneurs<\/li>\n\n\n\n<li>Covered sectors such as:\n<ul class=\"wp-block-list\">\n<li>Agriculture<\/li>\n\n\n\n<li>Manufacturing<\/li>\n\n\n\n<li>Micro and Small Enterprises (MSMEs)<\/li>\n\n\n\n<li>Retail trade<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Offered interest rate concessions for eligible applicants<\/li>\n\n\n\n<li>Dena Bank later merged with Bank of Baroda<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Term loans and working capital finance<\/li>\n\n\n\n<li>Loan limits based on business profile and banking norms<\/li>\n\n\n\n<li>Concessional interest rate compared to standard rates<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women with majority ownership in the enterprise<\/li>\n\n\n\n<li>New or existing businesses<\/li>\n\n\n\n<li>Applicants meeting bank eligibility criteria<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">10. Cent Kalyani Scheme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Cent Kalyani Scheme is designed to provide easier access to business loans for women entrepreneurs operating micro, small, and medium enterprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Objective: <\/strong>To strengthen women-led MSMEs by offering structured financial support.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offered by the Central Bank of India<\/li>\n\n\n\n<li>Available for new and existing women-owned enterprises<\/li>\n\n\n\n<li>Supports micro, small, and medium businesses<\/li>\n\n\n\n<li>Provides competitive lending terms<\/li>\n\n\n\n<li>Covers both manufacturing and service sectors<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Assistance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Term loans and working capital finance<\/li>\n\n\n\n<li>Loan amount based on business needs and bank assessment<\/li>\n\n\n\n<li>Interest rates as per prevailing bank guidelines<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Apply<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women entrepreneurs with majority ownership<\/li>\n\n\n\n<li>Registered MSMEs and eligible business entities<\/li>\n\n\n\n<li>Applicants meeting bank documentation and credit norms<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/shoonya.com\/blog\/investment-schemes-for-women\/\" type=\"link\" id=\"https:\/\/shoonya.com\/blog\/investment-schemes-for-women\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Investment Schemes for Women<\/mark><\/a>: <\/strong><em><strong>How Your First Salary Can Build Lifelong Wealth<\/strong>?<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Apply_for_Government_Schemes_for_Women_Entrepreneurs\"><\/span>How to Apply for Government Schemes for Women Entrepreneurs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of this table, add a table for missing schemes. Merge how to apply with the first table itself.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Scheme<\/strong><\/td><td><strong>Eligibility<\/strong><\/td><td><strong>Documents Required<\/strong><\/td><td><strong>How to Apply (Official Link)<\/strong><\/td><\/tr><tr><td><strong>Stand-Up India Scheme<\/strong><\/td><td>Indian women (18+) setting up new greenfield enterprise; majority stake (51%+) held by woman&nbsp;<\/td><td>Aadhaar, PAN, business plan, Udyam registration, KYC, project report&nbsp;<\/td><td>www.standupmitra.in<\/td><\/tr><tr><td><strong>Pradhan Mantri Mudra Yojana (PMMY)<\/strong><\/td><td>Indian women entrepreneurs running micro\/small units; no minimum qualification&nbsp;<\/td><td>Aadhaar, PAN, business plan, Udyam registration (optional), bank KYC&nbsp;<\/td><td>https:\/\/www.mudra.org.in\/&nbsp;<\/td><\/tr><tr><td><strong>PMEGP (Prime Minister\u2019s Employment Generation Programme)<\/strong><\/td><td>Women (18+) starting new micro enterprises; minimum 8th pass for some projects&nbsp;<\/td><td>Aadhaar, PAN, project report, Udyam certificate, educational proof, KYC&nbsp;<\/td><td>https:\/\/www.kviconline.gov.in\/pmegpeportal\/pmegphome\/<\/td><\/tr><tr><td><strong>TREAD Scheme<\/strong><\/td><td>Women entrepreneurs \/ SHGs requiring training + credit support&nbsp;<\/td><td>Aadhaar, PAN, business proof, NGO partner documentation (if applicable)&nbsp;<\/td><td>https:\/\/www.msmediagra.gov.in\/womentread.htm&nbsp;<\/td><\/tr><tr><td><strong>Mahila Coir Yojana<\/strong><\/td><td>Women in coir-producing regions interested in coir micro-enterprise&nbsp;<\/td><td>Aadhaar, PAN, proof of residence, training certificates, business plan&nbsp;<\/td><td>http:\/\/coirboard.gov.in\/<\/td><\/tr><tr><td><strong>Udyogini Scheme<\/strong><\/td><td>Women (18+) from low-income backgrounds seeking micro-business loans&nbsp;<\/td><td>Aadhaar, PAN, income certificate, business plan, KYC&nbsp;<\/td><td>https:\/\/udyogini.org\/<\/td><\/tr><tr><td><strong>Mahila Udyam Nidhi Scheme<\/strong><\/td><td>Women planning small-scale industrial units&nbsp;<\/td><td>Aadhaar, PAN, project report, business registration, KYC&nbsp;<\/td><td>https:\/\/pipdic.in\/pipdic_schemes<\/td><\/tr><tr><td><strong>Bharatiya Mahila Bank Business Loan<\/strong><\/td><td>Women entrepreneurs (\u226551% ownership); scheme now under SBI norms&nbsp;<\/td><td>Aadhaar, PAN, business plan, Udyam registration, financials&nbsp;<\/td><td>https:\/\/46xx.in\/enlightener_series\/bhartiya-mahila-bank-business-loan-by-state-bank-of-india\/&nbsp;<\/td><\/tr><tr><td><strong>Dena Shakti Scheme<\/strong><\/td><td>Women entrepreneurs&nbsp;<\/td><td>Aadhaar, PAN, business plan, KYC, financials&nbsp;<\/td><td>https:\/\/46xx.in\/enlightener_series\/dena-shakti-scheme\/&nbsp;<\/td><\/tr><tr><td><strong>Cent Kalyani Scheme<\/strong><\/td><td>Women entrepreneurs running MSMEs&nbsp;<\/td><td>Aadhaar, PAN, Udyam registration, business plan, KYC&nbsp;<\/td><td>https:\/\/centralbank.bank.in\/en\/Cent_Kalyani<\/td><\/tr><tr><td><strong>Women Entrepreneur Fund (SIDBI)<\/strong><\/td><td>Women-led micro\/small enterprises&nbsp;<\/td><td>Aadhaar, PAN, project report, Udyam certificate, financials&nbsp;<\/td><td>https:\/\/www.sidbi.in\/en\/<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Discover more insights on women entrepreneurship and financial planning designed to help women scale successfully.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right scheme depends on your business stage, funding requirements, and sector. While some programmes support first-time micro-entrepreneurs, others are structured for expansion, manufacturing units, or industry-specific activities. Understanding eligibility criteria, required documentation, and the application process can significantly improve the chances of approval.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Government_Schemes_for_Women_Entrepreneurs_FAQs\"><\/span>Government Schemes for Women Entrepreneurs | FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1771936710529\"><strong class=\"schema-faq-question\"><strong>1. What are the best government schemes for women entrepreneurs in India?<\/strong><\/strong> <p class=\"schema-faq-answer\">Popular options include Stand-Up India, Mudra Yojana, PMEGP, Udyogini Scheme, and Cent Kalyani. The best scheme depends on your business size, sector, and funding requirements.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771936711334\"><strong class=\"schema-faq-question\"><strong>2. How can women get a business loan from the government?<\/strong><\/strong> <p class=\"schema-faq-answer\">Women can apply through government-backed schemes via bank branches or official portals like Stand-Up India or PMEGP. But the approval depends on eligibility, documentation, and credit assessment.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771936734518\"><strong class=\"schema-faq-question\"><strong>3. Is collateral required for women\u2019s business loans?<\/strong><\/strong> <p class=\"schema-faq-answer\">Some schemes, such as Mudra, offer collateral-free loans for micro businesses. Larger loans may require security in line with bank norms.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771936746967\"><strong class=\"schema-faq-question\"><strong>4. What is the maximum loan amount available for women entrepreneurs?<\/strong><\/strong> <p class=\"schema-faq-answer\">Loan limits vary by scheme, ranging from small micro-loans to funding up to \u20b91 crore under Stand-Up India. Project size and eligibility determine the final amount.<br\/><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771936747755\"><strong class=\"schema-faq-question\"><strong>5. Who is eligible for government schemes for women entrepreneurs?<\/strong><\/strong> <p class=\"schema-faq-answer\">Applicants must be Indian women aged 18 or older who hold majority ownership of the enterprise. Specific schemes may have additional income or sector-based criteria.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771936804472\"><strong class=\"schema-faq-question\"><strong>6. Are there subsidies available for women entrepreneurs?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, schemes such as PMEGP and Udyogini offer subsidies that reduce the repayment burden. However, subsidy percentages vary by location and category.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source:<\/strong> https:\/\/www.ncw.gov.in\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<br><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>According to MSME estimates, women lead over 20% of registered micro, small, and medium enterprises in the country. Yet, access to formal credit, institutional support, and growth capital remains one of the biggest challenges for many women-led businesses. To bridge this gap, the Government of India has introduced several targeted initiatives thatsupport women entrepreneurs through &hellip; <a href=\"https:\/\/shoonya.com\/blog\/government-schemes-for-women-entrepreneurs\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Top 10 Government Schemes for Women Entrepreneurs in India 2026&#8221;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":16664,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[8995],"tags":[9419,9417,9416,9422,9415,9421,9423,9420,9418],"class_list":["post-16662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-women-financial-planning","tag-funding-for-female-entrepreneurs-in-india","tag-government-schemes-for-female-entrepreneurs-in-india","tag-government-schemes-for-women-entrepreneurs","tag-government-schemes-for-women-entrepreneurs-in-india","tag-govt-schemes-for-women","tag-govt-schemes-for-women-entrepreneurs","tag-list-of-government-schemes-for-women-entrepreneurs","tag-loan-for-women-entrepreneurs-in-india","tag-womens-business-loans-from-the-government-india"],"acf":[],"yoast_head":"<!-- This site is optimized 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