The Udyogini Scheme for Women Entrepreneurship and The Benefits

The Udyogini scheme is a scheme to provide cheap loans and business training to women entrepreneurs. Under this scheme, when women entrepreneurs who are needed business loans and industry training are given by many government and private banks.

Prime Minister Narendra Modi has always insisted that there should be more business in the country and women should become financially independent. Udyogini scheme has been started by the Modi government in 2020.

Ever since Narendra Modi became Prime Minister, small, micro & medium entrepreneurs are getting every level of support from the government.

Mudra loan scheme for MSME traders has been launched by the Modi government. Under this scheme, business loans of up to 10 lakh are given to the businessmen in three categories without any mortgage. Similarly, the Udyogini scheme has been started by the Central Government to give loans to women entrepreneurs.

For the information, we should let you know that the business loan of up to 7.5 lakhs is provided by ZipLoan, an RBI registered company to MSME businessmen, in just 3 days* without mortgaging anything. Let us understand what is the Udyogini scheme? What is the eligibility for the Udyogini scheme? What is the benefit of the Udyogini scheme? And who gets the benefit of the Udyogini scheme?

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What is The Udyogini Scheme?

This scheme is not an indirect government scheme. Rather it is a scheme started by banks as per the instructions of the Central Government. The scheme is being run independently by the public, private banks as well as non-banking financial companies (NBFCs).

The basic motive behind launching the Udyogini scheme is to empower women. Under this scheme, the women who get their own business get a loan. Please also inform you that in this scheme, those women also get a loan, who already have a business.

Under the Udyogini scheme, women get a maximum loan of up to Rs 3 lakh at the lowest rate of interest. The special feature of this scheme is that SC, ST (SC-ST), and physically challenged women are given interest-free loans.

Where Can I Get an Udyogini Loan?

At present, there are many government and private banks, from which the Udyogini loan is available very easily. Udyogini loan lending banks are Punjab and Sind Bank and Saraswat Bank.

Apart from this, the Udyogini loan can be obtained from all commercial banks, from all cooperative banks, and all Regional Rural Banks (RRB) under the Udyogini scheme. Let us tell you for information that women running their business through Udyogini loans are also given subsidy from these financial institutions.

Who Can Get an Udyogini Loan?

Every woman who fulfils its conditions is entitled to get an Udyogini loan. 88 businesses have been included in the Udyogini scheme The terms of the Udyogini scheme are explained below:

  • Bangle Making Business
  • Beauty Parlor Business
  • The business of making bedsheets and towels
  • The business of making book bindings and notebooks
  • Coffee and tea powder making business
  • Spice Making Business
  • Corrugated Box Making Industry
  • Cotton Thread Manufacturing
  • Nursery Business of Plants
  • Cut Piece Cloth Business
  • Dairy and Poultry related businesses
  • Diagnostic Lab Business
  • Dry Cleaning Business
  • Dry Fish Trade Business
  • Eat-Out Business
  • Edible Oil Store
  • Energy Food Business
  • Fair Price Ration Shop
  • Fax Paper Manufacturing Industry
  • Fish Stall Business
  • Agarbatti Manufacturing Industry
  • Audio and Video Cassette Store
  • Bakery Business
  • Making a tender leaf business
  • Flour Mill Shop
  • Flower Business
  • Footwear Manufacturing Industry
  • Fuelwood Business
  • Gift Article Shop
  • Handicraft Manufacturing Industry
  • Household Article Retail Shop
  • Ice Cream Business
  • Ink Manufacturing Industries
  • Jam, jelly, and pickle making business
  • Typing and Photocopying Shop
  • Jute Carpet Business
  • Leaf Cup Production Manufacturing Industry
  • Community Library Business
  • Checks Knitting Business
  • Matchbox Manufacturing Industry
  • Milk Booth Shop
  • Mutton Stall Business
  • Newspaper, weekly and monthly magazine vending shop
  • Nylon Button Manufacturing Industry
  • Old Paper Mart Business
  • Stationery Shop
  • STD - PCO Booth
  • Sweet Shop
  • Sewing - Embroidery - Knitting Business
  • Tea Shop
  • Raw Coconut Business
  • Travel Agency
  • Tutorial Business
  • Typing Institute Business
  • Vegetable and Fruit Vending (Vegetable Shop)
  • Sindoor Manufacturing Industries
  • The Business of Weight Gridding
  • Woollen Textile Manufacturing Industry
  • Betel & Cigarette Shop
  • Pan Leaf or Chewing Shop
  • Papad Making
  • Phenyl and naphthalene ball manufacturing industry
  • Photo Studio Business
  • Plastic Goods Business
  • Pottery Making Business
  • Bottle Cap Manufacturing Industry
  • Can and Bamboo Manufacturing Industries
  • Canteen and Catering Business
  • Chalk Crayon Manufacturing Industries
  • Slippers Manufacturing Industry
  • Cleaning Powder Manufacturing Industry
  • Clinic Business
  • Printing and Dyeing
  • Quilt and Bed Manufacturing Industries
  • Radio and TV Servicing Station Business
  • Ragi Powder Business
  • Readymade Garments Business
  • Real Estate Business
  • Ribbon Manufacturing Industry
  • Embroidery Work on Saree
  • Security Service Work
  • Shikakai Powder Manufacturing Industry
  • Silk Thread Manufacturing Industry
  • Silk Weaving Business
  • Silkworm Farming
  • Soap oil, soap powder, and detergent cake manufacturing industries
    Woodworking business

Terms And Eligibility for the Loan Under the Udyogini Scheme

It is very easy to get a loan under this scheme. The conditions for obtaining a loan under the Udyogini scheme are very low. The conditions are made in such a way that more and more women can get a business loan. Following are the terms and eligibility of the Udyogini Scheme:

  • Only those women whose business is registered under the Udyogini scheme can get a loan. The list of registered businesses is given above. Can be seen from there.
  • A maximum loan of up to Rs 3 lakh can be availed under this scheme.
  • The same women who are above 18 years of age and below 55 years will be eligible to apply for the Udyogini Yojana loan.
  • The family income of a woman applying to avail this scheme should not exceed one lakh fifty thousand.
  • There is no annual family income limit for widowed or disabled women. That is, if the family comprise widows or disabled women, she can apply.

To Avail the Udyogini Scheme the Following Documents Will be Required

  • Complete filled Udyogini loan form (Udyogini form can be taken from the bank or downloaded from the bank's website)
  • 2 Passport Size Photo
  • Aadhaar Card Photocopy
  • Birth certificate (10th mark sheet, a certified letter from local tehsildar or letter written on the letter pad of Gram Pradhan / Local Zilla Parishad / Local MLA / Local MP)
  • Photocopy of BPL Card (Below Poverty Line)
  • Caste Certificate (being in the ST-SC category)
  • Income Certificate

How to Apply for Udyogini Loan Scheme?

It is very easy to apply for a loan under this scheme.

  • First of all, take the Udyogini loan form from the bank, if you want, you can also download the Udyogini loan form from the concerned bank's website. After taking the form, fill the form thoroughly.
  • In order to fill the form, a photocopy of all the documents mentioned above has to be submitted and the business loan form is submitted to the bank concerned. After submission of the form, you will have to go to the bank and inquire regularly till when your loan is being passed.

Some Important Things Related to the Udyogini Scheme

  • Under this scheme, no loan is to be mortgaged for taking a loan.
  • Udyogini loan interest rate: The interest rate of the loan available under this scheme is very low. Generally, the interest rate of the Udyogini loan varies from 8% to 12%. But how much will be the interest? This depends entirely on the discretion of the bank.
  • Interest is waived on a business loan for widow / disabled women.
  • The processing fee of the Udyogini loan is zero. Not a single penny has to be paid in the form of loan processing.
  • It is necessary to mention here that GST and service tax are also levied on the Udyogini loan.
  • Under the Udyogini loan scheme, the Central Government wants that, within the year 2020, about one lakh women should be benefited with Udyogini loan and make them financially self-reliant.

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