Scheme vision and objectives
- Promotes social and economic self-reliance among women belonging to Backward Classes and economically weaker sections.
- Delivers direct microcredit support without burdensome collateral requirements through State Channelising Agencies (SCAs) and self-help groups.
- Helps women start micro-enterprises in tailoring, dairy farming, grocery shops, handicraft production, and agricultural marketing.
Financial structure and concessional interest rates
- Loans are extended at highly subsidized interest rates to minimize financial burden on emerging women entrepreneurs.
- Financed either directly to individual women beneficiaries or through Self-Help Groups (SHGs) affiliated with state corporations.
- Repayment tenures are structured with comfortable quarterly or monthly installments, typically spanning 3 to 4 years.
Eligibility guidelines and application route
- Applicant must be a woman belonging to the Backward Classes category as notified in central or state OBC lists.
- Annual family income must not exceed the economic ceiling established by the Ministry of Social Justice and Empowerment.
- Apply through State Channelising Agencies (such as State Backward Classes Development Corporations) or participating regional rural banks.
Official source
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National Backward Classes Finance and Development Corporation ↗Related on KisanPe
Common questions
What is Mahila Samridhi Yojana?
It is a microfinance scheme offering concessional enterprise loans to women entrepreneurs from Backward Classes.
Which national corporation manages Mahila Samridhi Yojana?
The National Backward Classes Finance and Development Corporation (NBCFDC).
Can Self-Help Groups (SHGs) access loans under this scheme?
Yes, loans can be availed individually or collectively through women Self-Help Groups.
Where do women apply for Mahila Samridhi Yojana?
Through their respective State Backward Classes Development Corporations or authorized channelising banks.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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