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Udyogini Scheme for Women Entrepreneurs

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Udyogini Yojana

Implemented by the Women Development Corporation, Udyogini is a scheme to provide subsidised loans to aspiring women entrepreneurs from rural and underdeveloped areas. Various financial institutions provide loans under the scheme.

By offering necessary financial support, the scheme aims to promote entrepreneurship, financial empowerment and self-reliance among women in these areas. The Udyogini scheme also aims to build micro-enterprises that support the overall growth of the country.

Features of Udyogini Yojana Scheme

The scheme extends interest-free loans to women from all sections of the society, who are looking to fund their small business.

  • High-value loan amount
    Applicants can avail a loan of up to Rs.3 lakh under this scheme, provided they meet the basic eligibility criteria.

  • Loans available for 88 small-scale industries
    The Udyogini loan can be availed to start businesses categorised under 88 small-scale industries. Some of them are fisheries, bakeries, groceries, tailoring shops, libraries, incense stick manufacturing, trades related to poultry and dairy, etc. Interest-free loans under this scheme are also available for women starting a business in the agriculture sector.

  • Training for skill development
    This scheme also aims to impart functional skills to women regarding business planning, pricing, costing, feasibility, and more, alongside financial support.

  • Up to 30% loan subsidy
    The Government proposes up to 30% subsidy on loans extended under this scheme to make repayment affordable for women.

  • Transparent evaluation of the beneficiary
    The evaluation process of Udyogini Yojana application form ensures a transparent assessment for beneficiary selection.

Eligibility Criteria to Qualify for Loan under Udyogini

Aspiring women entrepreneurs can fill the Udyogini loan application form to apply for funding, once they have met the below eligibility criteria:

  1. Applicant must be a woman
  2. She should be between 25 and 65 years of age
  3. Family income of the applicant should be less than Rs.1.5 lakh

The upper limit for income is not applicable for women falling under special categories like disabled, widowed or destitute.

Additional Read: Mudra Loan for Women

Documents Required for Loan under Udyogini Yojana

Submit the following documents to complete your Udyogini application:

  • Aadhaar card, Ration card, or BPL card
  • Essential certificates like a certificate of income and birth certificate
  • A photocopy of a bank passbook including the account holder’s name, name of the bank and concerned branch, account number, IFSC and MICR codes.

Alternatively, women entrepreneurs can also avail a Bajaj Finserv Business Loan for Women at competitive interest rates. Such loans are collateral free and provide up to Rs.45 lakh against minimum eligibility and documentation.

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