Pradhan mantri mahila loan yojana 2025: The Gujarat government, in alignment with central government initiatives, offers several loan schemes specifically designed to empower women financially, promote entrepreneurship, and enhance socio-economic independence. These schemes provide interest-free or low-interest loans, subsidies, and financial assistance to women across various sectors. Below is a comprehensive list of loan schemes available for women in Gujarat as of May 2025.
Table of Contents
Pradhan mantri mahila loan yojana | Prime Minister loan scheme for Ladies
| Scheme | Loan Amount | Interest Rate | Target Group | Application Portal/Office |
|---|---|---|---|---|
| Mukhyamantri Mahila Utkarsh Yojana | Up to ₹1 lakh | 0% | Women in Sakhi Mandals | gwedc.gujarat.gov.in |
| Pradhan Mantri MUDRA Yojana | Up to ₹10 lakh | Competitive (varies by bank) | Women entrepreneurs | mudra.org.in |
| Mahila Samriddhi Yojana | Up to ₹1.4 lakh | 2% | SC/ST/OBC women | NBCFDC/District Industries Centres |
| Stand-Up India | ₹10 lakh–₹1 crore | Bank rates | Women starting enterprises | standupmitra.in |
| GWEDC Schemes (e.g., Ghar Divda) | ₹50,000–₹5 lakh | Low/Subsidized | Women in micro-enterprises | gwedc.gujarat.gov.in |
| Pradhan Mantri Awas Yojana (CLSS) | Up to ₹12 lakh | Subsidized (3–6.5%) | Women for housing | pmaymis.gov.in |
| Annapurna Scheme (SBI) | Up to ₹50,000 | Low | Women in food businesses | sbi.co.in |
Mukhyamantri Mahila Utkarsh Yojana (MMUY)
- Objective: To make women socio-economically self-reliant by providing financial support for small businesses, home-based industries, or trade.
- Details:
- Offers interest-free loans of up to ₹1 lakh to women organized in Sakhi Mandals (self-help groups).
- Targets over 10 lakh women across 1 lakh Sakhi Mandals in Gujarat.
- Loans can be used for starting or expanding micro-enterprises like tailoring, handicrafts, or retail.
- Eligibility:
- Women who are members of registered Sakhi Mandals in Gujarat.
- Must have a viable business plan or trade proposal.
- Application Process: Apply through Sakhi Mandals or contact the Gujarat Women Economic Development Corporation (GWEDC) via gwedc.gujarat.gov.in.
- Source: Posts on X highlight MMUY’s impact, noting its role in empowering 10 lakh+ women with zero-interest loans.
Pradhan Mantri MUDRA Yojana (PMMY)
- Objective: Supports women entrepreneurs by providing loans for non-farm micro and small enterprises.
- Details:
- Loans up to ₹10 lakh under three categories: Shishu (up to ₹50,000), Kishore (₹50,000–₹5 lakh), and Tarun (₹5 lakh–₹10 lakh).
- No collateral required; loans are offered at competitive interest rates.
- Significant uptake by women in Gujarat for businesses like beauty parlors, food stalls, and handicrafts.
- Eligibility:
- Women (18+ years) running or planning to start non-farm micro/small businesses.
- Must provide proof of identity, residence, and business plan.
- Application Process: Apply through banks, microfinance institutions, or NBFCs. Visit mudra.org.in for details.
- Note: Widely accessible in Gujarat, with banks like SBI and Bank of Baroda actively promoting it for women.
Mahila Samriddhi Yojana
- Objective: Encourages entrepreneurship among women from backward communities (SC/ST/OBC) by providing affordable loans.
- Details:
- Loans up to ₹1.4 lakh at a subsidized 2% interest rate.
- Covers up to 90% of the project cost, with the remaining 10% contributed by the applicant or subsidized.
- Suitable for small-scale ventures like retail shops, catering, or handicraft units.
- Eligibility:
- Women from SC/ST/OBC communities in Gujarat.
- Must have a feasible business plan and basic documentation (Aadhaar, income certificate, caste certificate).
- Application Process: Apply through the National Backward Classes Finance & Development Corporation (NBCFDC) or Gujarat’s District Industries Centres (DICs).
Stand-Up India Scheme
- Objective: Promotes entrepreneurship among women by facilitating loans for greenfield enterprises in manufacturing, services, or trading.
- Details:
- Loans ranging from ₹10 lakh to ₹1 crore.
- At least one woman borrower per bank branch is targeted.
- Composite loan covering 75–85% of project cost; the rest is the applicant’s contribution.
- Eligibility:
- Women aged 18+ starting a new enterprise.
- Must have a viable business plan; preference for SC/ST women.
- Application Process: Apply through banks (e.g., SBI, Bank of India) or the Stand-Up India portal at standupmitra.in.
- Note: Popular in Gujarat for women-led startups in urban and semi-urban areas.
Gujarat Women Economic Development Corporation (GWEDC) Schemes
- Objective: Provides tailored financial assistance to women for self-employment and entrepreneurship.
- Details:
- Offers loans up to ₹50,000–₹5 lakh for micro-enterprises, often with subsidies or low interest rates.
- Schemes include Ghar Divda (for home-based businesses) and Jyoti Gramodyog Vikas Yojana (for rural industries).
- Focuses on skill-based ventures like garment making, food processing, and handicrafts.
- Eligibility:
- Women residents of Gujarat, preferably from economically weaker sections.
- Must undergo basic training or submit a business proposal.
- Application Process: Contact GWEDC offices or apply via gwedc.gujarat.gov.in.
Pradhan Mantri Awas Yojana (PMAY) – Credit-Linked Subsidy Scheme (CLSS)
- Objective: Supports women in owning homes through subsidized loans, indirectly empowering financial stability.
- Details:
- Home loans up to ₹6 lakh (EWS/LIG) or ₹12 lakh (MIG) with interest subsidies of 3–6.5%.
- Preference for women as sole or co-owners, enhancing their asset ownership.
- Eligibility:
- Women from EWS (income up to ₹3 lakh), LIG (₹3–6 lakh), or MIG (₹6–18 lakh).
- Must not own a pucca house in India.
- Application Process: Apply through banks or housing finance companies via pmaymis.gov.in.
- Note: In Gujarat, PMAY has seen high participation from women in rural and urban areas.
Annapurna Scheme (by State Bank of India)
- Objective: Assists women in starting food-related businesses like catering or tiffin services.
- Details:
- Loans up to ₹50,000 for equipment, raw materials, or operational costs.
- Low interest rates with flexible repayment terms (up to 3 years).
- Eligibility:
- Women starting or running small-scale food businesses.
- Requires basic documentation (Aadhaar, PAN, business proof).
- Application Process: Apply at SBI branches or through sbi.co.in.
- Note: Widely promoted in Gujarat for women in semi-urban and rural areas.
Key Features of These Schemes
- Low or Zero Interest: Schemes like MMUY offer 0% interest, while others like Mahila Samriddhi provide loans at 2–4% rates.
- Collateral-Free: Most schemes (e.g., PMMY, Stand-Up India) do not require collateral, reducing barriers for women.
- Focus on Empowerment: Prioritize women from marginalized communities (SC/ST/OBC) and economically weaker sections.
- Wide Accessibility: Available through banks, microfinance institutions, Sakhi Mandals, and government portals.
How to Apply Prime Minister loan scheme for Ladies
- Online: Visit scheme-specific portals (e.g., mudra.org.in, pmaymis.gov.in, gwedc.gujarat.gov.in) for applications and tracking.
- Offline: Approach Sakhi Mandals, District Industries Centres, GWEDC offices, or banks (SBI, Bank of Baroda, etc.).
- Documents: Typically require Aadhaar, PAN, income certificate, caste certificate (if applicable), business plan, and bank details.
- Helplines: Contact GWEDC (079-23256689) or scheme-specific helplines for guidance.
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Conclusion
Gujarat offers a robust ecosystem of loan schemes for women, ranging from interest-free options like Mukhyamantri Mahila Utkarsh Yojana to collateral-free loans under PMMY and Stand-Up India. These initiatives empower women to start businesses, own homes, and achieve financial independence. For the latest updates or application assistance, visit official portals, contact GWEDC, or approach local banks. If you need specific guidance on any scheme or application process, let me know!
