Knowledge centre

Agency : Ministry of Micro, Small and Medium Enterprises

Details : Objective is to provide women entrepreneurs with better access to finance. Non-governmental organizations would be the implementing agencies by lending funds (disbursing) to entrepreneurs.

30% of total project cost is covered as a government grant, 70% by the appraising institution. Additionally, INR 100,000 for the NGO conducting the program and training the entrepreneurs.

Link : http://www.dcmsme.gov.in/schemes/treadwomen.htm

Agency : Andhra Bank

Details : Credit (Fund-based and/or non-fund-based) for single eligible borrowers in the micro and small enterprise sector. Credit facility up to INR 10 million ($181,818) for manufacturing and service sectors but excluding retail trade; without collateral security or third party guarantee for a tenure of five years.

Link : http://www.andhrabank.in/english/Aleap.aspx

Agency : Bank of Baroda

Details : Financial assistance for professional, self-employed women and for women in retail trade and agriculture. Movable and immovable asset-based term loans and working capital limits.

Link : http://www.bankofbaroda.co.in/akshay_faq.asp

Agency : Central Bank

Details : Financial assistance to women entrepreneurs for economic pursuits in various sectors. Loans up to INR 10 million ($181,818) without any collateral security or third party guarantee.

Link : https://www.centralbankofindia.co.in/site/mainsite.aspx?status=3&menu_id=159

Agency : Dena Bank

Details : Finance for women entrepreneurs in agriculture and allied activities, small enterprises, retail trade, micro credit, education, and housing. Term loans and working capital limits with a ceiling of INR 2 million ($36,364) in the priority sector and housing and INR 50,000 ($909) under micro credit.

Link : http://www.denabank.com/viewsection.jsp?lang=0&id=0,135,199

Agency : Oriental Bank of Commerce

Details : For professional and selfemployed women. For purchase of fixed assets (term loans) and to meet working capital needs. Maximum INR 500,000 ($9,091) including working capital limit of INR 100,000 ($1,818) Five to seven year tenure. 15 percent interest on loans above INR 25,000 ($455).

Link : https://www.obcindia.co.in/obcnew/site/inner.aspx?status=3&menu_id=91

Agency : Oriental Bank of Commerce

Details : For women-owned MSMEs. Also, micro credit units provide doorstep services to women in
rural areas. Loans up to INR 1 million ($181,818) without any collateral. Margin of 15 to 25 percent.
Up to 2 percent concessions. No collateral security for small-scale industries for loans up to INR 2.50 million ($45,455).

Link : https://www.obcindia.co.in/obcnew/site/inner.aspx?status=3&menu_id=90

Agency : Bank of India

Details : For women to set up small, village, and cottage industries. Covers payments for Machinery. No collateral required for loans up to INR 500,000 ($9000). Interest rates relief from 0.5% to 1% for small-scale industries.

Agency : Punjab and Sind Bank

Details : Loans on liberal terms for women entrepreneurs in agriculture, tiny/small-scale industries, and retail. Also for professional and self-employed women.

Link : https://www.psbindia.com/UDYOGINI.php

Agency : Punjab National Bank

Details : Five schemes for women entrepreneurs:
1) To meet gaps in equity
2) To purchase infrastructure
3) Easier credit to finance crèches
4) To meet working capital credit requirements of allied agricultural activities
5) Margin concessions.
Interest rates to be relaxed by 0.25% in non-priority sector advances and 0.50% in priority sector advances. Margins to be reduced to 10% wherever the margin requirement is more than 10%. Waiver of 50% upfront fee where applicable.

Link : https://www.pnbindia.in/en/ui/Content.aspx?Id=302

Agency : State Bank of India

Details : For women entrepreneurs (small scale units managed by one or more women entrepreneurs) with a stake of not less than 51 percent. Entrepreneurs who have undergone entrepreneurship development programs conducted by state-level agencies or programs cosponsored/sponsored by the bank are eligible. Interest concessions of 5% based on business enterprise for self-employed women and SSIs. Interest rates lower than applicable. Collateral security waived for loans up to INR 500,000 ($9091) for industrial units.

Link : https://www.sbi.co.in/portal/web/home/stree-shakti-package

Agency : Small Industries Development Bank of India

Details : Provides assistance to women entrepreneurs and organisations involved in marketing products
manufactured by women entrepreneurs to increase their reach in domestic and international markets. Flexible terms and conditions based on past track record and viability of project.

Agency : State Bank of Mysore

Details : Supports women entrepreneurs setting up food catering units. Maximum loan of INR 50,000 ($9091) Composite term loan (50% working capital). 36-month tenure. Margin of 10%.

Link : http://www.statebankofmysore.co.in/advances/micro-and-small-enterprises-mses/stree-shakthi-package-for-women-entrepreneurs.html

Agency : State Bank of Travancore

Details : To provide term loan/working capital to units promoted by women entrepreneurs. Only enterprises owned and administered by woman entrepreneurs, having a minimum financial interest of 51% and providing atleast 50% of employment generated to women. Loan from INR 50,000 to 500,000 ($900 to $9000). Tenure of 60 months, cash credit 12 months. Margins of 25% for term loans and 20% for cash credit.

Link : http://www.statebankoftravancore.com/portal/msme-schemes

Agency : Canara Bank

Details : Provides special schemes for women. Nil margins and no processing fees for loans up to INR 50,000 ($900). 10% interest rate and no processing fees for loans from INR 50,000 to 500,000 ($900 to $9000).

Link : http://www.statebankoftravancore.com/portal/msme-schemes