While women confront hurdles at home and in society when it comes to being women entrepreneurs, there has never been a better moment in India to do so. The government has announced programs aimed at making it simpler for women to start their businesses. the most important government programs that women may use to start and develop their business as a woman entrepreneur.


Bharathiya Mahila Bank was established for those women who, despite a lack of resources, have huge dreams. It offers women entrepreneurs up to INR 20 crores in financing to start a manufacturing enterprise. If the loan amount is less than one crore, no collateral is required.

While the Bharatiya Mahila Bank and the State Bank of India joined in 2017, the lending plan that began in 2017 remains in place.


Mudra Yojana is a program that might be beneficial to women who seek to establish or grow their own small company. Although this is not a program designed exclusively for women, it may be quite useful. You can apply for a loan in the range of INR 50000 to INR 10 lakh. It’s ideal for beauty salons, starting a small business, or running a home-based business. People are not required to provide any collateral.

The plan is broken into three sections:

Shishu: up to 50,000/- in loans

Kishor: loans of more than 50,000 rupees and up to 5 lakh rupees

Tarun: loans of more than 5 lakhs rupees and up to ten lakh rupees

As it’s simple to apply for, many companies have profited from this program.  Anyone may apply for a loan under this plan at any major bank.


The Dena Shakti Scheme gives loans to women entrepreneurs in the following sectors:

  • Agricultural businesses
  • Retail stores
  • Manufacturing sector
  • Micro-credit organizations
  • Housing
  • Education

This strategy can be used if people are preparing to start any of the above. While the maximum loan amount is Rs. 20 lakhs, the loan amount that may apply for is determined by the industry in which users apply. The rate of interest is 0.25 percent lower than the base rate.


One must apply for this loan at the nearest Dena Bank branch. They will provide an application form to fill out and submit together with the relevant documentation to get a loan.

The Udyogini Scheme is designed for women who come from families with an annual income of less than Rs. 1.5 lakhs. For widowed, poor, or handicapped women, there are no such limits. A loan of up to Rs. 3 lakhs can be obtained at a moderate interest rate. Women will be able to start modest companies and become self-sufficient as a result of this.

The goal of this program is to assist women from economically disadvantaged families in becoming self-sufficient. Loan subsidies also make it simpler for women to progress in their entrepreneurial endeavors.

While the Karnataka State Women Development Corporation initiated the Udyogini Scheme, it has now been adopted by several banks in various forms. To apply for this plan, go to the website of the bank that provides it or go to the nearest branch of the bank that does. Bajaj Finserv, Punjab and Sind Bank, and Saraswat Bank are some of the banks that participate in this initiative.


The Central Bank of India has a program for women called Cent Kaylani. Loans of up to Rs. 100 lakhs are available under the plan, with no collateral or processing fees required. Except for self-help organizations, retail commerce, and educational and training institutions, this program is open to all other types of businesses.


Punjab National Bank has introduced the Mahila Udyam Nidhi Scheme, which is aimed at assisting small Scale Industries (SSI). By offering hassle-free financing, the purpose is to promote modernization and technical growth in these small-scale enterprises. The loan has a maximum of Rs. 10 lakhs, and the borrower has 10 years to repay it. This includes a five-year prohibition period.


The Indian government, through NITI Aayog, has launched the Women Entrepreneurship Platform, which brings together women entrepreneurs and sponsors eager to help them in one location. 

Elements in this scheme:

  • For enterprises in their early phases, an incubation and acceleration program is available.
  • Entrepreneurship and leadership skills are taught through skill training and mentorship programs.
  • Marketing assistance is available.
  • Support for ensuring that rules and regulations are followed.
  • Financial support and funding
  • A group of like-minded women who form a community and network.


To encourage balanced growth in the country, there is a need for women entrepreneurs to develop sustainably. The imbalance has been handled by the national and state governments and banks across the country through a variety of funding initiatives aimed at increasing women’s entrepreneurship.

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