About this scheme
SIDBI's Mahila Udyam Nidhi Scheme provides concessional credit to women entrepreneurs starting or expanding small enterprises. Available across all sectors. Term loan up to Rs. 10 lakh; soft loan + bank loan combination.
What you get
- Soft loan up to Rs. 10 lakh (or 25% of project cost)
- Concessional interest (typically 8.5-10%)
- Repayment up to 10 years with moratorium
- No collateral up to Rs. 10 lakh (CGFMU cover)
- Stacks with bank term loan + Stand-Up India + MUDRA
- Hand-holding via SIDBI MSME counsellors
Who qualifies
Women-owned enterprises (51%+ shareholding/proprietorship) starting or expanding small-scale industries. Must have tied up bank/NBFC term loan. SIDBI provides the soft loan component bridging the equity gap.
All industries qualify (no NIC restriction).
Available across India (central scheme).
How to apply
- 1Approach a participating bank/NBFC for term loan
- 2Submit project report + bank sanction copy
- 3Bank forwards to SIDBI for soft loan component
- 4SIDBI evaluates and sanctions
- 5Disbursement via the lending bank
- 6EMI starts after moratorium period
Key terms and conditions
- Soft loan is up to 25% of project cost
- Promoter must bring 10-15% equity
- 5-year operational lock-in
- Annual review at SIDBI
What disqualifies you
- Male-owned/majority enterprises excluded
- Defaulters at bank/NBFC rejected
- Pure trading excluded
Documents typically required
- 51%+ women ownership proof
- Project report
- Bank loan tied up
- SIDBI/RRB referral
The content above is compiled from public information published by the scheme authority. Eligibility, benefits, and procedures are subject to change. Confirm details directly with the official portal before applying. BharatSeal does not process scheme applications.