{"id":43164,"date":"2023-11-02T19:54:43","date_gmt":"2023-11-02T14:24:43","guid":{"rendered":"https:\/\/www.cheggindia.com\/?post_type=earn-online&p=43164"},"modified":"2025-10-09T15:50:56","modified_gmt":"2025-10-09T10:20:56","slug":"schemes-for-women-entrepreneurs","status":"publish","type":"earn-online","link":"https:\/\/www.cheggindia.com\/hi\/earn-online\/schemes-for-women-entrepreneurs\/","title":{"rendered":"Top 10 Schemes for Women Entrepreneurs in India (2025)"},"content":{"rendered":"\n

India\u2019s women entrepreneurs are transforming the business landscape with innovation, resilience, and leadership. Backed by powerful government and private schemes, women-led startups now have access to funding, mentorship, skill development, and growth opportunities like never before.<\/p>\n\n\n\n

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From flagship programs such as Stand-Up India and PM Vishwakarma to specialized state initiatives, these schemes empower women to build sustainable and scalable ventures. In this guide, you\u2019ll explore the top government schemes for women entrepreneurs in India, learn how to apply, check eligibility, and make the most of resources designed to help you succeed in 2025.<\/p>\n\n\n\n

What Are Schemes for Women Entrepreneurs?<\/h2>\n\n\n\n

Schemes for women entrepreneurs are special initiatives designed to empower women by offering financial aid, business development support, mentorship, and training. These schemes are essential for fostering a business-friendly environment where women can thrive and contribute to the nation’s economic growth.<\/p>\n\n\n\n

Government schemes for women entrepreneurs 2025<\/h2>\n\n\n\n

India has launched several government initiatives to empower women entrepreneurs <\/a>by providing them with financial support, business assistance, and growth opportunities. Let\u2019s explore these government schemes for female entrepreneurs in India in detail:<\/p>\n\n\n\n

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1. Mudra Loan (Pradhan Mantri Mudra Yojana \u2013 PMMY)<\/strong><\/h3>\n\n\n\n

Supports micro and small women-led businesses. Includes Tarun+ category for loans up to \u20b920 lakh. Collateral-free loans up to \u20b910 lakh with interest ~12%. Eligible for any Indian citizen with a non-farm income-generating business.<\/p>\n\n\n\n

2. Stree Shakti Scheme (State Bank of India)<\/strong><\/h3>\n\n\n\n

Promotes women entrepreneurship with discounted loans. Women must own \u226551% of the business. Loans up to \u20b925 lakh with 0.5% interest concession for loans above \u20b92 lakh. Open to trade, manufacturing, and service businesses.<\/p>\n\n\n\n

3. Mahila Udyam Nidhi Yojana (Punjab National Bank)<\/strong><\/h3>\n\n\n\n

Assists women in starting or expanding small businesses. Loans up to \u20b910 lakh with competitive interest rates. Open to women-managed businesses in manufacturing and services.<\/p>\n\n\n\n

4. Cent Kalyani Scheme (Central Bank of India)<\/strong><\/h3>\n\n\n\n

Supports women in small and medium enterprises. Loans up to \u20b91 crore without collateral. Interest rates competitive.<\/p>\n\n\n\n

5. Udyogini Scheme<\/strong><\/h3>\n\n\n\n

Empowers women from weaker economic backgrounds. Loans up to \u20b92 lakh with subsidized interest for SC\/ST, widows, and differently-abled women. Open to women 18+ years, especially in rural areas.<\/p>\n\n\n\n

6. Prime Minister\u2019s Employment Generation Programme (PMEGP)<\/strong><\/h3>\n\n\n\n

Supports self-employment and micro-enterprises. Loans up to \u20b925 lakh (manufacturing) and \u20b910 lakh (services). Includes 15\u201335% subsidy. Eligible for women entrepreneurs 18+ years, preference to rural applicants.<\/p>\n\n\n\n

7. Annapurna Scheme<\/strong><\/h3>\n\n\n\n

Assists women in food catering businesses. Loans up to \u20b950,000. Interest as per bank norms; repayment up to 3 years.<\/p>\n\n\n\n

8. Dena Shakti Scheme (Bank of Baroda)<\/strong><\/h3>\n\n\n\n

Supports women entrepreneurs in agriculture, retail, and small enterprises. Loans up to \u20b920 lakh with 0.25% interest concession. Eligible for women owning >50% of the business.<\/p>\n\n\n\n

9. TREAD Scheme (Trade-Related Entrepreneurship Assistance and Development)<\/strong><\/h3>\n\n\n\n

MSME program providing 30% grant + 70% loan via financial institutions. Supports training, credit, and development for women entrepreneurs through NGOs.<\/p>\n\n\n\n

10. Stand-Up India Scheme<\/strong><\/h3>\n\n\n\n

Encourages women and SC\/ST entrepreneurs to start new ventures. Loans \u20b910 lakh\u2013\u20b91 crore under Credit Guarantee Fund Scheme. Women must hold \u226551% ownership.<\/p>\n\n\n\n

11. SEHER Program (WEP\u2013CIBIL)<\/strong><\/h3>\n\n\n\n

Focuses on financial literacy, business skills, and credit awareness. Provides CIBIL score education and personalized mentorship. No age or income restrictions. Open to early-stage women entrepreneurs or small business owners.<\/p>\n\n\n\n

12. PM Vishwakarma Scheme<\/strong><\/h3>\n\n\n\n

Empowers self-employed women artisans and craftswomen. Offers a free toolkit worth \u20b915,000, \u20b9500 daily stipend during training, and \u20b91 lakh collateral-free loan (expandable). Open to women in 18+ traditional vocations.<\/p>\n\n\n\n

These schemes for women entrepreneurs are designed to provide the necessary support and encouragement for women to achieve financial independence and establish successful ventures. By leveraging these initiatives, women can play a transformative role in the growth and development of the Indian economy.<\/p>\n\n\n\n

Key Benefits of Top Women Entrepreneurship Schemes in 2025<\/strong><\/h2>\n\n\n\n
Scheme<\/strong><\/th>Key Benefits<\/strong><\/th><\/tr><\/thead>
Mudra Loan (PMMY)<\/strong><\/td>Collateral-free loans up to \u20b910 lakh, multiple loan categories (Shishu, Kishore, Tarun, Tarun+), financial support for non-farm businesses, promotes women entrepreneurship.<\/td><\/tr>
Stree Shakti Scheme (SBI)<\/strong><\/td>Discounted interest rates (0.5% for loans > \u20b92 lakh), loans up to \u20b925 lakh, supports trade, manufacturing, and service businesses, women must own \u226551% of the business.<\/td><\/tr>
Mahila Udyam Nidhi Yojana (PNB)<\/strong><\/td>Loans up to \u20b910 lakh, competitive interest rates, supports new and existing small-scale businesses, exclusive to women-managed enterprises.<\/td><\/tr>
Cent Kalyani Scheme (Central Bank of India)<\/strong><\/td>Loans up to \u20b91 crore, no collateral required, supports small and medium enterprises, interest rates competitive.<\/td><\/tr>
Udyogini Scheme<\/strong><\/td>Loans up to \u20b92 lakh with subsidized interest, prioritizes low-income, rural, SC\/ST, widows, and differently-abled women, encourages small business startups.<\/td><\/tr>
PMEGP<\/strong><\/td>Loans up to \u20b925 lakh (manufacturing) and \u20b910 lakh (services), 15\u201335% subsidy, promotes self-employment and micro-enterprises, preference for rural applicants.<\/td><\/tr>
Annapurna Scheme<\/strong><\/td>Loans up to \u20b950,000, flexible repayment (up to 3 years), supports women in food catering and small-scale food businesses.<\/td><\/tr>
Dena Shakti Scheme (Bank of Baroda)<\/strong><\/td>Loans up to \u20b920 lakh, 0.25% interest concession, supports agriculture, retail, and small enterprises, women must own >50% of business.<\/td><\/tr>
TREAD Scheme<\/strong><\/td>30% grant + 70% loan via financial institutions, training and credit support, promotes entrepreneurship via NGOs.<\/td><\/tr>
Stand-Up India Scheme<\/strong><\/td>Loans \u20b910 lakh\u2013\u20b91 crore under Credit Guarantee Fund, supports women and SC\/ST entrepreneurs, first-time enterprise financing.<\/td><\/tr>
SEHER Program (WEP\u2013CIBIL)<\/strong><\/td>Financial literacy, credit awareness, personalized mentorship, accessible to early-stage women entrepreneurs and small business owners.<\/td><\/tr>
PM Vishwakarma Scheme<\/strong><\/td>Free toolkit worth \u20b915,000, \u20b9500 daily stipend during training, \u20b91 lakh collateral-free loan, supports women artisans in 18+ traditional vocations.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Click Here to Download:- Government Schemes for Female Entrepreneurs in India pdf \/ Schemes for Women Entrepreneurs pdf<\/a><\/strong><\/p>\n\n\n\n

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Comparative Table of Key Schemes for Women Entrepreneurs<\/h2>\n\n\n\n
Scheme Name<\/th>Loan Amount (\u20b9)<\/th>Eligibility<\/th>Application Method<\/th><\/tr><\/thead>
Mudra Yojana<\/td>Up to 10 lakh<\/td>Small businesses<\/td>Bank visit<\/td><\/tr>
Stand-Up India\t\t<\/td>10 lakh – 1 cr<\/td>Greenfield biz<\/td>Online or bank visit<\/td><\/tr>
Annapurna<\/td>Up to 50,000<\/td>Food business<\/td>Bank visit<\/td><\/tr>
Mahila Udyam<\/td>Up to 10 lakh<\/td>Small businesses<\/td>SIDBI or partner banks<\/td><\/tr>
Dena Shakti<\/td>Up to 25 lakh<\/td>Various sectors<\/td>Dena Bank branch<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Read More: Top Online Data Entry Jobs Without Investment in India<\/a><\/strong><\/p>\n\n\n\n

Step-by-Step Guide: How to Apply for Government Schemes<\/h2>\n\n\n\n

Applying for government schemes can seem daunting, but it’s a straightforward process if you follow these steps:<\/p>\n\n\n\n

1. Identify a Suitable Scheme<\/strong><\/h3>\n\n\n\n

Start by carefully analyzing your business needs and future goals. Ask yourself:<\/p>\n\n\n\n