Udyogini

Udyogini Scheme 2025: Boosting Women Entrepreneurship with Subsidized Loans

by

Udyogini Scheme 2025 :  Boosting Women Entrepreneurship with Subsidized Loans

The Udyogini Scheme 2025 is a flagship initiative aimed at empowering women, particularly those from economically weaker sections and rural backgrounds, by helping them become self-reliant through entrepreneurship. By offering subsidized and even interest-free loans, the scheme enables women to start and expand small-scale businesses across a variety of sectors.

 What is the Udyogini Scheme?

The Udyogini Scheme offers financial assistance of up to ₹3 lakh to eligible women entrepreneurs. Depending on the applicant’s category, subsidies range from 30% to 50%. Special provisions exist for widows, differently-abled women, and those from SC/ST communities, making the scheme more inclusive and supportive.

Beyond funding, the scheme also focuses on training, mentorship, and business guidance to create a comprehensive ecosystem for women-led enterprises.

 Key Features of Udyogini Scheme 2025

Feature Details
Loan Amount Up to ₹3 lakh
Interest Rate Subsidized or interest-free (in special cases)
Subsidy 30% to 50%, based on eligibility category
Repayment Tenure Up to 7 years
Processing Fee Nil
Collateral Not required (for eligible limits)
Training Support Available (includes EDP & skill development)

 Eligibility Criteria

  • Gender & Age: Women aged 18 to 55 years

  • Residency: Must be a permanent resident of Karnataka or other eligible states

  • Income Limit:

    • General & Special Categories: Up to ₹1.5 lakh/year

    • SC/ST Categories: Up to ₹2 lakh/year

    • Widows and Disabled Women: No income limit

 Businesses Eligible Under Udyogini Scheme

The scheme covers 88 types of small-scale businesses, including:

  • Agriculture & allied sectors

  • Tailoring and garment making

  • Retail shops

  • Food processing

  • Handicrafts and artisan work

  • Beauty parlours and salons

  • Various service-based micro-enterprises

 Documents Required

To apply, you will need the following:

  • Duly filled application form with passport-size photos

  • Aadhaar Card, Voter ID, and Ration Card

  • Income certificate or BPL card

  • Project report outlining the business idea

  • Caste certificate (for SC/ST applicants)

  • Educational qualification certificates (if applicable)

  • Bank passbook copy

 Loan & Subsidy Details by Category

Category Subsidy % Maximum Subsidy Income Limit
SC/ST Women 50% ₹1.5 lakh Up to ₹2 lakh/year
Widows/Disabled 30% ₹90,000 No income limit
General Category 30% ₹90,000 Up to ₹1.5 lakh/year

 Banks Offering Udyogini Loans

Here are some of the financial institutions actively supporting the Udyogini Scheme:

1. Saraswat Bank

  • Interest Rate: Starts at 11.90% p.a.

  • Loan Amount: ₹10 lakh to ₹200 lakh (for expanded businesses)

  • Tenure: Up to 7 years

  • Processing Fee: ₹5,000–₹15,000

  • Security: Guarantors & Hypothecation

2. Punjab & Sind Bank

  • Interest Rate: Starts at 11.50% p.a.

  • Tenure: Up to 7 years

  • Collateral: Not required for loans up to ₹25,000

  • Additional: Insurance coverage provided

3. Bajaj Finserv

  • Interest Rate: 10% to 12% (can be 0% in select cases)

  • Loan Amount: Up to ₹3 lakh

  • Subsidy: Up to 30%

  • Training: Skill development assistance included

How to Apply for the Udyogini Scheme

You can apply online or offline depending on the bank or institution:

Online Application Process

  1. Visit the official website of the participating bank or NBFC

  2. Fill out the Udyogini Scheme application form

  3. Upload the required documents

  4. Submit the application for verification

  5. On approval, the loan will be directly credited to your account

Offline Application Process

  1. Visit the nearest branch of a participating bank

  2. Collect and submit the application form with all documents

  3. Attend interviews or training sessions, if required

  4. Receive the sanctioned loan upon approval

 Final Words

The Udyogini Scheme 2025 stands as a strong pillar for promoting women-led entrepreneurship, especially in underprivileged and rural areas. By offering financial aid, zero collateral, and crucial training support, the scheme helps women transform ideas into sustainable livelihoods.

If you or someone you know meets the eligibility criteria, don’t miss this opportunity to kickstart a business journey with government support. Apply today and take a confident step toward economic independence!