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Government Schemes For Women Entrepreneurs In India


by Mahindra Finance


April 16, 2024


4 mins read

Women entrepreneurs in India are breaking barriers and making significant strides in the business world. The progress made by women in various fields has led to increased support and encouragement for those who wish to establish themselves as successful businesswomen. To facilitate this growth, the Indian government has launched several schemes specifically designed to empower women entrepreneurs.

If you are a woman looking to establish your own business, these government schemes for startups can provide you with the financial support and resources needed to succeed.

Government Schemes for Women Entrepreneurs

Annapurna Scheme:

The Annapurna Scheme is specifically designed for women in the food catering industry who are still establishing small-scale businesses. This scheme provides government loans for women up to Rs. 50,000 for capital requirements such as equipment purchases or setting up food trucks. By availing of this government scheme for entrepreneurs, women entrepreneurs can kickstart their businesses with better capital and new products.

Mudra Yojana Scheme:

The Mudra Yojana Scheme, initiated by the Government of India, aims to improve the status of women in the country by providing business loans and supporting their financial independence. Under this scheme, there are three categories: Shishu, Kishor, and Tarun. The loan limits range from Rs. 50,000 for start-ups and new businesses (Shishu) to Rs. 10 Lakhs for established enterprises (Tarun).

Orient Mahila Vikas Yojana Scheme:

The Orient Mahila Vikas Yojana Scheme is designed for women who hold 51% share capital separately or collectively as a proprietary concern. This scheme offers loans without collateral security and provides a concession on interest rates up to 2%. With a flexible repayment period of up to 7 years, women entrepreneurs can easily expand their businesses. The loan limit under this scheme is Rs. 25 lakhs.

Dena Shakti Scheme:

The Dena Shakti Scheme focuses on women entrepreneurs in the fields of agriculture, retail, manufacturing, small enterprises, and micro-credit organizations. It provides loans based on sector-specific ceiling limits set by the Reserve Bank of India (RBI). The loan limit under this scheme is Rs. 20 lakhs.

Pradhan Mantri Rozgar Yojana:

The Pradhan Mantri Rozgar Yojana (PMRY) is a scheme to create skill-based self-employment opportunities for women entrepreneurs in urban and rural areas. The scheme offers loan subsidies of up to 15% of the project cost with an upper ceiling of Rs. 12,500 per borrower.

Tips for Making the Most of Government Schemes for Startups

  • Research eligibility criteria: Before applying for any government scheme, thoroughly understand the eligibility criteria including age restrictions, business sectors, and income limits. Ensure your business aligns with the scheme's requirements.
  • Proper documentation: Complete all necessary documentation accurately and provide all required financial and business details. Incomplete or incorrect documentation may delay or reject your loan application.
  • Seek professional guidance: If you are new to the entrepreneurial journey, consider seeking guidance from professionals or organizations specialising in assisting women entrepreneurs. They can provide valuable insights mentorship, and help navigate the loan application process.

By following these tips and leveraging government schemes for women entrepreneurs, you can overcome financial barriers and realise your entrepreneurial dreams.


Government schemes for women entrepreneurs in India offer a range of benefits and opportunities for aspiring businesswomen. These government schemes for startups provide financial support, lower business interest rates, collateral-free government loans for women, and flexible repayment options designed to empower women-owned businesses.

Explore these government schemes, understand their benefits, and take advantage of the opportunities they provide to make your mark as a successful woman entrepreneur in India! If you're looking for hassle-free financing solutions tailored to women entrepreneurs' needs, consider exploring Mahindra Finance's options.


Q: What is the business loan interest rate for women?

The interest rates for business loans for women can vary depending on the scheme and lender. Government schemes for startups often offer lower interest rates compared to private lenders. Researching and comparing different loan options is advisable to find the most competitive interest rate.

Q: Are government schemes only available for startups?

No, government schemes for startups cater to a wide range of businesses at different stages of growth. Whether starting a new business or looking to expand an existing one, government schemes are available to support your entrepreneurial journey.

Q: What are the different types of business loans available for women entrepreneurs?

Various types of business loans are available for women entrepreneurs, including term loans, working capital loans, equipment financing, and trade finance. Each type serves different business purposes and can be tailored to specific needs.

Q: Are there any government loans exclusively for women?

Yes, government loan schemes are exclusively designed for women entrepreneurs in India. These schemes provide financial support and resources tailored to empower women in their entrepreneurial endeavours.

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