Top Government Schemes & Loans for Women Entrepreneurs in India (2025)
Introduction
If you’re a woman entrepreneur in India, 2025 is full of opportunities to grow your business with government-backed schemes, subsidies, and loan programs designed just for you. Whether you’re starting a home-based business, a rural enterprise, or scaling a digital startup — this guide brings you the top schemes, loans, and benefits available right now.
Why This Matters
Despite rising entrepreneurship among women in India, access to capital remains one of the biggest hurdles. Government and financial institutions have rolled out tailored financial support schemes to enable women to build and scale businesses — with low-interest loans, collateral-free financing, subsidies, and more.
This article lists the most relevant and active schemes in 2025, with links, eligibility, and quick highlights.
Top Government Schemes & Loans for Women Entrepreneurs in India (2025)
1. Stand Up India Scheme (by SIDBI & Ministry of Finance)
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Loan Amount: ₹10 lakh to ₹1 crore
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Purpose: Setting up a new enterprise in manufacturing, services, trading, or agri-allied activities
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Special Feature: 15% margin money support, long repayment tenure
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Eligibility: SC/ST or women entrepreneurs aged 18+, new business only
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Where to Apply: www.standupmitra.in
✅ Collateral-free loan | Handholding support | Online portal
2. Mudra Yojana for Women (PMMY – Pradhan Mantri Mudra Yojana)
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Loan Types:
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Shishu (up to ₹50,000)
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Kishore (₹50,001 to ₹5 lakh)
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Tarun (₹5 lakh to ₹10 lakh)
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For: Small businesses like tailoring, kirana shops, beauty parlours, tuition centres, home-based businesses
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Special Note: Many banks offer exclusive MUDRA loans for women with lower interest rates
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Where to Apply: Local bank, NBFC, or microfinance institution
✅ No collateral | Easy documentation | Fast disbursement
3. TREAD Scheme (Trade Related Entrepreneurship Assistance for Women)
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By: Ministry of MSME
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Support: Grants up to 30% of the total project cost + loan from banks (remaining 70%)
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Eligibility: Women-led NGOs, self-help groups, or collectives
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Focus: Rural & underprivileged women groups
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Where to Apply: Through partner NGOs and government agencies
✅ Great for group-based women-led businesses
4. NSIC Women Enterprise Support (NSIC – National Small Industries Corporation)
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Offerings:
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Raw material assistance
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Marketing support
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Bill discounting
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Credit facilitation
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Eligibility: Women-led MSMEs registered under Udyam
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Where to Apply: www.nsic.co.in
✅ Non-loan based scheme | Focused on scaling MSMEs
5. Mahila Coir Yojana (Ministry of MSME – Coir Board)
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Support: Subsidy up to 75% for coir processing equipment
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Eligibility: Women from coir-producing states (Kerala, Tamil Nadu, Andhra, Odisha, etc.)
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Purpose: Promote rural, eco-friendly, home-based coir businesses
✅ Ideal for rural artisans & coir micro-entrepreneurs
6. Annapurna Yojana (Food-based businesses)
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Loan Amount: Up to ₹50,000
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For: Women setting up food catering, tiffin services, home bakeries
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Repayment: 36-month tenure with a moratorium of up to 1 year
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Where to Apply: State Bank of India or local cooperative banks
✅ Low-interest loan | Ideal for food entrepreneurs
7. Dena Shakti Scheme (merged with PSU Women Enterprise Loans)
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Loan Types: Business loans for agriculture, retail, micro-enterprises
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Concession: 0.25% lower interest rate for women
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Loan Amount: Up to ₹20 lakh depending on sector
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Eligibility: Women-owned enterprises
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Where to Apply: Public sector banks like Bank of Baroda, SBI, etc.
✅ Ongoing support from major banks for women
8. Udyam Sakhi Portal
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Type: Not a loan, but a full portal for women entrepreneurs
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Offers: Business plan templates, funding guides, mentorship, and government schemes
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By: Ministry of MSME
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Website: www.udyamsakhi.gov.in
✅ One-stop knowledge hub | Free to access
Pro Tip from BossMa
👉 Always register your business on the Udyam portal. It gives you recognition as an MSME and makes you eligible for almost all central schemes, tenders, and credit facilitation.
Register here: udyamregistration.gov.in
Final Thoughts
In 2025, there is no shortage of government support for women entrepreneurs — but the key is awareness and action. Don’t let paperwork or jargon stop you from accessing what’s rightfully yours.
At BossMa, we’re building tools, templates, and training for women like you to start, grow, and scale confidently — one smart move at a time.
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