Udyogini Yojana Scheme 2025 supports women entrepreneurs by providing financial help to start or grow their businesses. This government scheme focuses on women in rural and less developed areas across India.
Overview of Udyogini Yojana Scheme
Udyogini Yojana is a women empowerment scheme offering loans at low or no interest rates. It helps women who face social or financial challenges, such as widowhood, disability, or belonging to poor families, to start small businesses in manufacturing, retail, and service sectors.
Who Can Apply? Eligibility for Udyogini Yojana 2025
To apply:
- You must be a woman aged between 18 and 55 years.
- Your family’s yearly income should be below Rs. 1.5 lakh. For disabled, widowed, or poor women, there is no income limit.
- Your business should be in small industries, trade, manufacturing, retail, or self-employed professions.
- You should have a good credit score.
Approved Business Types Under Udyogini Scheme
| Business Categories | Business Categories |
|---|---|
| Agarbatti making | Diagnostic lab |
| Audio-video parlour | Dry cleaning |
| Bakeries | Dry fish trade |
| Banana leaf making | Eat outs |
| Beauty Parlour | Edible oil trade |
| Bangles | Energy food |
| Bed sheets and towels making | Fair trade shop |
| Book binding | Fax paper making |
| Bottle cap making | Fish stalls |
| Bamboo articles making | Flower shops |
| Canteen and catering | Flour mills |
| Creche | Fuel wood |
| Clinic | Footwear making |
| Condiments | Gift articles |
| Coconut shop | Gym centres |
| Chalk crayon making | Handicrafts making |
| Chappal making | Household articles retail |
| Cleaning powder | Ice cream parlour |
| Coffee and tea powder | Ink making |
| Corrugated box making | Jams, jellies, pickle making |
| Cotton thread making | Typing and photocopy |
| Cut-piece cloth trade | Jute carpet making |
| Dairy and poultry trade | Library |
| Leaf cup making | Mat weaving |
| Matchbox making | Milk booth |
| Mutton stalls | Newspaper, magazine vending |
| Nylon button making | Old paper mart |
| Pan and cigarette shop | Pan masala shop |
| Papad making | Phenyl and naphthalene |
| Photo studio | Plastic articles shop |
| Printing and dyeing | Quilt and bed making |
| Radio and TV service | Ragi powder shop |
| Readymade garments | Real estate agency |
| Ribbon making | Sari & embroidery |
| Security service | Shikakai powder making |
| Silk weaving | Shops and establishments |
| Silk thread making | Silkworm rearing |
| Soap oil, cake making | Stationery shop |
| STD booths | Sweet shops |
| Tailoring | Tea stall |
| Travel agency | Tutorials |
| Typing institute | Vegetable vending |
| Vermicelli making | Wet grinding |
| Woollen garment making | |
Documents Needed to Apply for Udyogini Scheme
To apply, you will need:
- Three coloured passport-size photos
- Ration card or voter ID
- Detailed Project Report (DPR) of your business idea
- Training or experience certificate for your business
- Annual income certificate of your family
- Caste certificate (if you belong to SC/ST category)
- Quotations for machinery, equipment, and capital costs
How to Apply Online for Udyogini Yojana
Follow these steps:
- Visit the official website of the bank offering Udyogini loans.
- Find and open the Udyogini Scheme application form.
- Fill out the form with correct information and submit it online.
- Your application and documents will be checked by the CDPO (Child Development Project Officer).
- If approved, the loan money will be sent to your bank account or directly to suppliers for your business needs.
Note: Many banks still accept offline applications, so you can also visit your nearest bank branch.
How to Apply Offline for Udyogini Scheme
You can apply offline by:
- Getting the application form from the Deputy Director, CDPO office, or bank branch.
- Visiting the nearest bank offering the scheme with your documents.
- Filling out and submitting the application form to the bank.
- Loan and documents will be checked, and if approved, money will be given.
Benefits of Udyogini Yojana
This scheme offers:
- Loans up to Rs. 3 lakh.
- Interest-free loans for disabled, Dalit, and widowed women.
- 30% subsidy to help pay back loans.
- Support for many types of small businesses (88 industries).
- Training to gain skills in business planning and pricing.
- Clear and fair application process.
Financial Support Details Under Udyogini Scheme
| Category | Subsidy | Max Loan Amount | Income Limit |
|---|---|---|---|
| SC/ST Women | 50% of loan amount | ₹1,00,000 – ₹3,00,000 | Below ₹2,00,000 per year |
| Special Category Women | 30% or ₹90,000 | Up to ₹3,00,000 | Below ₹1,50,000 per year |
| General Category Women | 30% or ₹90,000 | Up to ₹3,00,000 | Below ₹1,50,000 per year |
Main Features of Udyogini Yojana Scheme 2025
| Feature | Details |
|---|---|
| Who Can Apply | Women aged 18-55 with family income under Rs. 1.5 lakh |
| Loan Amount | Up to Rs. 3 lakh |
| Interest Rate | Zero percent for some; 10-12% for others |
| Subsidy | 30% |
| Business Sectors | 88 small businesses |
| Apply Modes | Online and Offline |
| Documents Needed | ID proof, income certificate, project report, and more |
Common Questions About Udyogini Yojana
1. What is Udyogini Yojana Scheme?
It’s a government plan offering loans to women in rural or poor areas so they can start or grow small businesses.
2. Which banks support the Udyogini Scheme?
Many commercial, private, Regional Rural, cooperative banks, and some financial firms provide loans under this scheme.
3. Who is eligible for this scheme?
Women aged 18-55 with family income below Rs. 1.5 lakh. Disabled, widowed, and poor women have no income restrictions.
4. What is the loan interest rate?
Disabled, Dalit, and widowed women get zero percent interest. Others may pay 10-12% rate.
5. Can the loan be used for homestay business?
No, loans are mainly for businesses, not homestays.
6. How to apply for Udyogini Scheme?
Apply online via banks’ websites or offline by visiting the bank with your documents.
Udyogini Yojana is a great opportunity for women to become independent and improve their future. It provides money and training to help women run successful businesses easily.