Are you a woman looking to start or grow your business? The Udyogini Scheme for Women Entrepreneurs 2025 is a great help from the Indian government to support women entrepreneurs, especially those from weaker sections. Managed by the Women Development Corporation of India, this scheme offers loans with low or no interest, skill training, and support to help you build your own business and secure a better future.
Overview of the Udyogini Scheme for Women Entrepreneurs
This scheme provides financial help to women in India to become independent by starting small businesses. Along with loans, it also offers skill development training. Many banks and financial institutions like Punjab & Sind Bank, Saraswat Bank, Karnataka State Women’s Development Corporation (KSWDC), and others support this scheme. The aim is to empower women by giving easy access to funds and training for different business ideas.
Main Details of the Udyogini Scheme 2025
| Name | Udyogini Scheme for Women Entrepreneurs |
| Launched By | Government of India and Women Development Corporations |
| Interest Rate | Low, subsidized, or interest-free in some cases |
| Maximum Loan Amount | Up to Rs. 3 Lakhs |
| Annual Family Income Limit | Rs. 1.5 Lakhs or less |
Who Can Apply? Eligibility Criteria
- Women entrepreneurs only.
- Must not have any pending loan payments.
- Should have the ability to repay loans with a good credit history.
Businesses Supported Under Udyogini Scheme
You can use this scheme to start or expand many types of small businesses such as:
- Agarbatti Making
- Beauty Parlour
- Bakeries
- Book Binding & Notebooks
- Canteen & Catering
- Dairy & Poultry
- Tailoring
- Photo Studio
- Tea Stall
- Vegetable & Fruit Selling
- And many more… (refer to full list above)
Documents You Need to Apply
- Passport-size photos
- Aadhaar Card and Birth Certificate
- Filled application form with proof of address and income
- Bank passbook copy (details including IFSC and MICR)
- Other documents as required by the lending bank or NBFC
Loan Options Under the Udyogini Scheme
Bajaj Finserv Business Loans
| Loan Amount | Up to Rs. 3 Lakhs |
| Interest Rate | Interest-free for women |
| Eligible Businesses | 88 types of Small Scale Industries |
| Subsidy | Up to 30% |
| Family Income Limit | Less than Rs. 1.5 Lakhs |
| Skill Development Training | Provided |
Saraswat Bank Loan Details
| Type | Micro | Small Scale | Medium Enterprises |
| Interest Rate | 11.25% p.a. onwards | 11.25% p.a. onwards | 11.25% p.a. onwards |
| Loan Amount | Up to Rs. 10 Lakhs | 10 Lakhs to 1 Crore | 1 Crore to 2 Crores |
| Processing Fee | Rs. 5,000 | Rs. 5,000 to 10,000 depending on amount | Rs. 15,000 or 1% whichever is less |
| Repayment Period | 6 years | 6 years | 7 years |
| Security | Hypothecation + spouse/family guarantee | Hypothecation + guarantors + collateral (25%) | Hypothecation + guarantors + collateral (30%) |
Punjab & Sind Bank Loan Details
| Interest Rate (Vyapar Loan) | As per MSME rates |
| Loan Type | Term Loan or Working Capital |
| Loan Amount | Varies case by case |
| Processing Fee | Nil |
| Margin | Nil up to Rs. 25,000 |
| Security | Nil up to Rs. 25,000. Above that, pledge/hypothecation of assets and guarantee required. |
Benefits of Using the Udyogini Scheme
- Encourages women to become financially independent.
- Offers loans with low or no interest to deserving women.
- Makes loan access easier for special categories like SC/ST women.
- Helps avoid high-interest loans from private lenders.
- Includes training to increase skills and chances of business success.
How to Apply for the Udyogini Scheme 2025
- Visit the nearest supporting bank with required documents and fill out the application form.
- You can also apply online by going to the official websites of the banks offering these loans.
Frequently Asked Questions
What is the Udyogini Scheme for Women?
A scheme by the Indian government to support women starting or growing businesses by giving loans and training.
What benefits can I get from the scheme?
Financial help, low-interest or no-interest loans, and skill development training to run your business successfully.
Who is eligible to apply?
Only women entrepreneurs who meet basic criteria such as income limits and good repayment ability.