Business loan by type
Business Loan for Women Entrepreneurs.
Enhanced CGTMSE cover (90% vs. the standard 75%), dedicated Stand-Up India allocation, and bank-specific schemes make this one of the best-supported categories for accessing collateral-free credit.
- Principal amount
- ₹10,00,000
- Total interest
- ₹3,04,520
- Total amount
- ₹13,04,520
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,58,750 | ₹1,02,154 | ₹8,41,251 |
| 2 | ₹1,77,120 | ₹83,784 | ₹6,64,131 |
| 3 | ₹1,97,617 | ₹63,287 | ₹4,66,515 |
| 4 | ₹2,20,485 | ₹40,419 | ₹2,46,031 |
| 5 | ₹2,45,998 | ₹14,906 | ₹34 |
Schemes worth knowing about
Stand-Up India reserves at least one woman-borrower loan per bank branch (₹10 lakh-₹1 crore). Mudra offers up to ₹10 lakh collateral-free. CGTMSE's guarantee cover for women-led units is 90% versus the standard 75%, making banks meaningfully more willing to lend without collateral. Bank-specific schemes like PNB's Mahila Udyami and Cent Kalyani add further concessional options.
Frequently asked questions
What government schemes specifically support women entrepreneurs in India?
Several: Stand-Up India (₹10 lakh-₹1 crore, with at least one woman-borrower loan reserved per bank branch), Mudra (up to ₹10 lakh, collateral-free), and enhanced CGTMSE cover for women-led units — 90% guarantee versus the standard 75%, making banks meaningfully more willing to lend without collateral.
Are there bank-specific schemes for women entrepreneurs?
Yes — examples include the PNB Mahila Udyami Scheme and the Cent Kalyani Scheme, which offer loans for starting, expanding, or modernizing a business, often with concessional rates and relaxed collateral requirements compared to a standard business loan.
How much margin money do I need to contribute as a woman entrepreneur under these schemes?
Typically 15-35% of the total project cost, depending on the specific scheme and loan amount — the rest is financed through the loan, with the exact split varying by lender and scheme guidelines.