{"id":9247,"date":"2020-05-05T09:43:48","date_gmt":"2020-05-05T09:43:48","guid":{"rendered":"\/blog\/?p=9247"},"modified":"2020-05-05T09:44:23","modified_gmt":"2020-05-05T09:44:23","slug":"check-out-the-loan-schemes-in-india-for-women-to-start-business","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-business\/check-out-the-loan-schemes-in-india-for-women-to-start-business\/","title":{"rendered":"Check Out the Loan Schemes in India for Women to Start Business"},"content":{"rendered":"\n<p>Small\nand medium-sized enterprises contribute significantly to India\u2019s GDP. The\nsector is brimming with innovative ideas. Yet, women entrepreneurs make up only\n14% of the total number of entrepreneurs in the country. While this low\npercentage can be attributed to several socio-cultural problems that women\nface, it is also a reflection of their financial problems.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-background has-vivid-cyan-blue-background-color\" href=\"https:\/\/tata-blog.osian.dev\/business-loan.html\">Learn More<\/a><\/div>\n\n\n\n<p>The set-up, everyday operations, and expansion of small and medium enterprises require capital that is especially difficult to source for new or unexperienced businesswomen. However, government banks, private banks, and non-banking financial institutions have curated different schemes to provide financial backing to women entrepreneurs. These&nbsp;loan schemes for women in India&nbsp;come with benefits such as eased eligibility criteria and lower interest rates.<\/p>\n\n\n\n<p>Here are some top&nbsp;loan schemes for women in India&nbsp;offered by different financial institutions.<\/p>\n\n\n\n<p><strong>1. Mudra Yojana Scheme<\/strong><\/p>\n\n\n\n<p>Under this&nbsp;startup loan for ladies&nbsp;scheme designed by the government of India, women can borrow amounts ranging between Rs. 50,000 to Rs. 50 lakh. This&nbsp;startup loan for ladies&nbsp;can also be availed for partnership businesses owned by women. These loans are divided into three categories:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Shishu: Borrowed amount cannot exceed Rs. 50,000 for Shishu loans. These are meant for starting a new business.<\/li><li>Kishor: Under this category,&nbsp;startup loans for women&nbsp;can range between Rs. 50,000 and Rs. 5 lakh. These loans can be used for aiding a well-established business.<\/li><li>Tarun: These loans range between Rs. Five and Rs. 10 lakh and can be used for business expansion.<\/li><\/ul>\n\n\n\n<p><strong>Additional Read<\/strong>:- <a title=\"5 Types of Business Loans to Empower Women Entrepreneurs\" href=\"https:\/\/tata-blog.osian.dev\/blog\/business-loan\/5-types-of-business-loans-to-empower-women-entrepreneurs\/\">5 Types of Business Loans to Empower Women Entrepreneurs <\/a><\/p>\n\n\n\n<p><strong>2. Mahila Udyam Nidhi Scheme<\/strong><\/p>\n\n\n\n<p>This&nbsp;startup loan for women&nbsp;covers the establishment, expansion, hiring of employees, or purchase of machinery for small and medium-sized enterprises. This scheme has an upper limit of Rs. 10 lakh and has to be repaid within ten years. The moratorium period for the scheme is five years.<\/p>\n\n\n\n<p><strong>3. Udyogini Scheme<\/strong><\/p>\n\n\n\n<p>Business loans for women&nbsp;under the Udyogini Scheme have an upper limit of Rs. 1 lakh. These&nbsp;loans for women&nbsp;are available to those between 18 and 45 years of age. The annual income of the borrower\u2019s family should be under Rs. 45,000. However, if the borrower is widowed, destitute, or disabled, this limit does not apply. One of the main benefits of this&nbsp;women entrepreneur loan scheme&nbsp;is that the government offers subsidies on 30% (up to Rs. 10,000) of the loan amount to SC\/ST women and 20% (up to Rs. 7500) to those falling in the general category.<\/p>\n\n\n\n<p>Women looking to become financially independent can take advantage of the schemes mentioned above. For promoting&nbsp;women empowerment, loans&nbsp;for small and medium-sized enterprises are also granted by Tata Capital. Tata Capital business loans start at a 19% interest rate and come with flexible repayment tenures. We also offer an online mode of application, require minimal documentation, and facilitate quick loan approval and disbursement.<\/p>\n\n\n\n<p><strong>Additional Read<\/strong>:- <a title=\"Top 4 Investment Tips for Women to Start Their Financial Journey\" href=\"https:\/\/tata-blog.osian.dev\/blog\/business-loan\/top-4-investment-tips-for-women-to-start-their-financial-journey\/\">Top 4 Investment Tips for Women to Start Their Financial Journey<\/a><\/p>\n\n\n\n<p>To learn more about our <a title=\"Business Loans\nfor Women\" href=\"https:\/\/tata-blog.osian.dev\/business-loan\/business-loan-for-women.html\">business loans for women<\/a>, visit our website or get in touch with our representatives.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-background has-vivid-cyan-blue-background-color\" href=\"https:\/\/tata-blog.osian.dev\/online\/loans\/business-loans\/home#!\">Apply Now<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Small and medium-sized enterprises contribute significantly to India\u2019s GDP. The sector is brimming with innovative ideas.  <\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/business-loan\/check-out-the-loan-schemes-in-india-for-women-to-start-business\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":9248,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-9247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan Schemes for Women to Start Business in India - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Various Loan Schemes are offered by the government to back women entrepreneurs in India. 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