Major institutional business loan programmes for women
Government lending programmes provide targeted debt capital to encourage female-led micro, small, and medium enterprises.
- Stand-Up India: Facilitates bank loans between 10 lakh and 1 crore to at least one woman borrower per bank branch for greenfield enterprises.
- Pradhan Mantri Mudra Yojana (PMMY): Provides collateral-free micro-loans across Shishu, Kishore, and Tarun categories for service, trade, and manufacturing units.
- Mahila Samridhi Yojana: Concessional microfinance credit delivered through national finance corporations to backward class and rural women entrepreneurs.
- Annapurna Scheme: Specific credit lines for women setting up catering, food packaging, and local culinary enterprises.
Agricultural and allied sector credit for women farmers
Institutional credit empowers women engaged in agricultural production, livestock rearing, and value addition.
- Kisan Credit Card (KCC) for women farmers: Working capital credit with interest subvention for crop cultivation, dairy animals, and goat rearing.
- Self-Help Group (SHG) Bank Linkage: Day-NRLM delivers collateral-free group loans with interest subvention to women self-help collectives.
- Micro-irrigation and mechanization loans: Concessional bank term loans paired with higher state capital subsidies for women buying power tillers or drip kits.
- Dairy and poultry loans: Financing for milch animals, fodder cultivation, and automated milking machinery.
Application workflow through banks and Jan Samarth portal
Women entrepreneurs can apply by visiting any commercial bank branch or regional rural bank (RRB). Alternatively, applicants can register on the Jan Samarth digital portal (jansamarth.in) to evaluate scheme eligibility, compare bank loan offers, and track electronic application processing directly.
Official source
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Department of Financial Services (Ministry of Finance) ↗Related on KisanPe
Common questions
What is the Stand-Up India scheme for women entrepreneurs?
Stand-Up India facilitates bank loans between 10 lakh and 1 crore for women setting up greenfield manufacturing, service, or agro-trading enterprises.
Can women farmers get loans for dairy and poultry farming without collateral?
Yes, Mudra loans up to 10 lakh and specialized KCC animal husbandry loans up to statutory limits are available without physical collateral.
How can women apply for government-supported business loans online?
Eligible women can apply through the central Jan Samarth portal (jansamarth.in) to link with multiple lending banks digitally.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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