Women‑focused Funding
Schemes for Women Entrepreneurs in India
Access collateral‑free credit, higher subsidies, and targeted VC/seed linkages through national programs and banks
₹1 Cr
Stand‑Up Loan
35%
PMEGP Subsidy (Rural)
Up to 90%
CGTMSE Cover
₹20L
Mudra (PMMY)
- Stand‑Up India
- ₹10L–₹1Cr (Greenfield)
- PMEGP
- 25% Urban • 35% Rural (Women)
- PMMY
- Shishu/Kishore/Tarun/Tarun Plus*
- CGTMSE
- Up to 90% for Women
- Recognition
- DPIIT recommended
- Impact
- 69% PMMY loans to women
01Overview
About Women Entrepreneurs
India offers multiple financing routes tailored for women entrepreneurs: Stand‑Up India for greenfield loans from ₹10 lakh to ₹1 crore, PMEGP with higher subsidy slabs for women, Mudra (PMMY) up to ₹20 lakh for micro units, and CGTMSE’s enhanced guarantee cover up to 90% for women‑led MSMEs via registered lenders. These programs lower collateral barriers and reduce effective cost of capital.
Startup India’s ecosystem provides recognition, incubator access, and market linkages; banks operationalize these schemes through MSME desks and dedicated portals such as Stand‑Up Mitra, enabling streamlined onboarding and handholding support for first‑time founders.
Together, these levers have significantly broadened access: a majority share of PMMY loans have gone to women borrowers, while SUI and CGTMSE frameworks support larger capex and collateral‑free lending for expansion.
- 01
Stand‑Up India
Composite loans ₹10 lakh–₹1 crore for women setting up greenfield enterprises; interest ≤ MCLR + 3% + tenor premium; moratorium up to 18 months; CGFSIL guarantee option.
- 02
PMEGP Benefits
Higher subsidy for women: 25% (Urban) and 35% (Rural) of project cost for new micro enterprises; beneficiary margin 5% for special category.
- 03
PMMY (Mudra)
Shishu/Kishore/Tarun up to ₹10 lakh and extended Tarun Plus up to ₹20 lakh; lenders may offer interest concessions for women; Mudra Card for WC.
- 04
CGTMSE Cover
Collateral‑free guarantee up to 90% for women‑led units via MLIs, covering term and working capital facilities per scheme norms.
02Who can apply
Eligibility Criteria
Who Can Apply
3 points- Women entrepreneurs 18+ starting or expanding MSMEs in manufacturing, services, trading, or allied activities.
- Greenfield requirement for Stand‑Up India; existing PMEGP units can apply for 2nd loan for expansion under notified rules.
- DPIIT recognition recommended for startup benefits and investor readiness.
Loan Bands
3 points- Stand‑Up: ₹10 lakh–₹1 crore composite term + WC.
- PMEGP: up to ₹50 lakh (manufacturing) and ₹20 lakh (services) with higher subsidy for women.
- PMMY: up to ₹20 lakh across Shishu/Kishore/Tarun/Tarun Plus tiers.
Guarantees & Collateral
3 points- CGTMSE: up to 90% cover for women‑led units via eligible MLIs.
- Stand‑Up: CGFSIL guarantee via NCGTC as per bank policy.
- Mudra/PMEGP: collateral‑free intent; primary security in assets financed.
03Paperwork
Required Documents
0 / 9 ready
Tick the documents you already have
KYC & Category
Business & Financials
Scheme‑Specific
04Step by step
Application Process
- 01
Choose Scheme
1–2 DaysPick the right route: Stand‑Up for greenfield ₹10L–₹1Cr; PMEGP for higher subsidy; PMMY for micro loans; ask bank for CGTMSE cover.
Use StandUp Mitra and myScheme for guidance.
- 02
Apply & Appraisal
3–10 DaysSubmit application, KYC, DPR, and quotes; bank assesses viability, category eligibility, and guarantee/subsidy fit.
Interest concessions may apply under PMMY for women.
- 03
Sanction & Security
2–7 DaysSanction issued with terms on tenure, subsidy/guarantee, and covenants; execute security and scheme documentation.
CGTMSE/CGFSIL processed by lender post‑sanction.
- 04
Disbursement & Support
OngoingFunds disbursed; access incubation/mentorship via Startup India and partner incubators.
EDP training may be required under PMEGP.
05Why it's worth it
Key Benefits
Collateral‑Free
Access loans without property collateral through CGTMSE/CGFSIL and collateral‑free PMMY/PMEGP frameworks.
- Up to 90% cover
- Lower barriers
- Faster sanctions
Higher Subsidies
Women receive higher PMEGP subsidy slabs - 25% urban and 35% rural - reducing upfront capital burden.
- Lower contribution
- Better ROI
- Scale faster
Better Pricing
PMMY lenders and refinance often extend interest concessions to women borrowers, improving affordability.
- Rate relief
- Mudra Card
- Low/zero fees
Portfolio of Options
Combine Stand‑Up for greenfield, PMEGP for subsidy, PMMY for micro working capital, and CGTMSE for collateral‑free term/WC.
- Mix & match
- Bank‑led
- Portal support
06Questions
Frequently Asked Questions
- Stand‑Up India is ideal for greenfield setups (₹10L–₹1Cr); PMEGP suits micro‑manufacturing/services with higher subsidy; PMMY is best for micro tickets up to ₹20L.
- No collateral is required under PMMY and PMEGP intent; for larger tickets, ask for CGTMSE (up to 90% cover for women) or CGFSIL under Stand‑Up.
- Yes, under PMMY, lenders/MUDRA refinance allow interest reductions for women borrowers in many cases; bank policies vary.
- Existing PMEGP units may apply for expansion under notified second‑loan rules; CGTMSE can also cover term/WC for eligible existing units.
- Use StandUp Mitra for Stand‑Up India, KVIC/DIC portals for PMEGP, and approach banks/NBFCs for PMMY with Mudra Card; ask MLIs for CGTMSE cover.
Plan your EMI before you apply
See the monthly instalment, the real cost of interest and how the balance falls, year by year.
EMI Planner
Drag the sliders — everything updates live
Monthly EMI
₹32,241
Total interest
₹4.34 L
Total payable
₹19.34 L
Principal 78%
Interest 22%
Every ₹1 borrowed costs ₹1.29 in total.
What you pay each year
Illustrative only. Your actual rate depends on the lender, scheme and your credit profile.
Real outcomes
Success Stories
“PMEGP subsidy and CGTMSE cover made a collateral‑free factory setup possible in 5 months.”
Sakshi FoodsReady‑to‑eat ManufacturingFunded: ₹32 Lakhs“Mudra Tarun with interest concession and Mudra Card stabilized working capital and inventory cycles.”
CraftWaveHandloom RetailFunded: ₹9 Lakhs“Stand‑Up India composite loan supported a greenfield launch with CGFSIL guarantee and 12‑month moratorium.”
GreenCare ServicesFacility ManagementFunded: ₹60 Lakhs
Women Entrepreneurs
Ready to Get Started?
Let our experts guide the entire process and get funding approved in 45 days.