Mahila Samriddhi Yojana is a simple yet powerful step to help women gain financial support and independence.
It’s designed for everyday women who wish to start or grow small businesses, improve their families’ lives, and build confidence. This blog will showcase what it offers and how it can assist you.
Objectives and Benefits of Mahila Samriddhi Yojana
The Mahila Samriddhi Yojana aims to empower economically weaker women by providing them with access to affordable loans and skill development opportunities.
Objectives:
- Promote self-reliance and entrepreneurship.
- Provide financial inclusion through low-interest loans.
- Support women’s social and economic upliftment.
Benefits:
- Loan up to ₹1.25–₹1.40 lakh with flexible repayment.
- Subsidised interest rates reduce burden.
- Training and guidance to start or expand small businesses.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Who Can Apply | Women from economically weaker sections in rural and semi-urban areas |
| Minimum Age | 18 years and above |
| Income Limit | Family income within limits set by state/financing authority |
| Special Preference | Widows, artisans, and women from SC/ST or disadvantaged groups |
| Documents Required | Aadhaar card, residence proof, income certificate, bank account details |
Loan & Repayment Details
- Loan Amount: Up to ₹1.25–₹1.40 lakh (covers 90% of project cost).
- Interest: subsidised, lower than market rates.
- Repayment: Up to 3.5 years in quarterly or half-yearly installments.
- Grace Period: Short relief time before repayments begin.
- Channel: Paid through NSFDC or state agencies.
The system is simple and affordable, reducing EMI stress and helping women build credit for future loans.
Step-by-Step Instructions for Applying (offline) to Mahila Samriddhi Yojana
Mahila Samriddhi Yojana gives women aged 18–55 from low-income families affordable loans up to ₹1.25–1.40 lakh for small businesses, repayable in easy installments at low interest.
Step 1. Obtain the Application Form
Visit the official website of NSFDC or your respective state government portal.
Download the Mahila Samridhi Yojana application form.
Step 2. Fill Out the Form
Enter all required details carefully, such as your name, age, contact information, and required loan amount.
Please attach the necessary documents as specified.
Step 3. Submit the Application
Submit the completed form along with documents to the District Office of the State Channelising Agency (SCA).
Applications may also be submitted through other channelling agencies (CAs), such as regional rural banks (RRBs), public sector banks, or NBFC-MFIs, provided they have a memorandum of agreement with NSFDC.
Step 4. Application Processing
The SCA/CA District Office scrutinises the application and forwards it to the Head Office.
After verification and acceptance of terms and conditions, the application is processed further.
Step 5. Loan Sanction & Disbursement
On fulfilling Prudential Norms, NSFDC releases funds to SCAs, RRBs, public sector banks, or NBFC-MFIs for onwards disbursement to the beneficiaries.
NSFDC disburses the funds upon receiving a request from these agencies.
Step 6. Repayment
Beneficiaries must repay the loan as per the repayment schedule set by the respective SCA/CA.
Vocational Training & Business Opportunities
The Mahila Samriddhi Yojana is not just about giving loans. It also helps women learn new skills so they can start and run small businesses with confidence.
- Skill Training: Women get training in areas like tailoring, handicrafts, food processing, agriculture, and other small trades.
- Business Guidance: The scheme connects women with experts who guide them on how to plan, market, and grow their businesses.
- Better Opportunities: With both financial help and skills, women can open shops, start home-based businesses, or expand existing work.
- Long-Term Impact: This training improves family income, creates jobs in the community, and makes women more independent.
Latest News & Updates (2025)
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Delhi launched the Mahila Samriddhi Yojana on 8 March 2025, offering ₹2,500 per month to eligible women. The government set aside ₹5,100 crore in the budget, with payments starting within six weeks of registration.
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Bihar introduced the Mukhyamantri Mahila Rojgar Yojana, giving ₹10,000 as initial support and up to ₹2 lakh after six months for women starting small businesses. Fund release begins September 2025.
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Other states, like UP, Maharashtra, and Haryana, continue their versions, focusing on low-interest loans, training, and self-employment support.
2025 shows a strong push to empower women, with Delhi supporting with monthly aid, Bihar with startup funds, and other states with credit and training opportunities.
Frequently Asked Questions
Can women in the general category apply?
Yes, if they meet the income and other specified criteria.
What’s the Loan Utilisation Period?
The loan must be used within 4 months of getting it.
What Is the Loan Repayment timeline?
Typically, the loan can be utilised for up to 3.5 years, with a brief grace period.
Is Collateral Required?
No, loans don’t need collateral.
Are Women Getting Other Government Benefits Eligible?
No, double benefits aren’t allowed
