What is Udyogini Scheme?

Over the years, the Indian Government has introduced new and meaningful financial schemes for women. One such scheme that was primarily launched to promote women’s entrepreneurship is the Udyogini Yojana Scheme 2024. 

The Udyogini Scheme is regulated by the Women Development Corporation and helps women to start their businesses. Under this scheme, some special categories of women can even receive interest-free loans. Disabled, widowed, destitute, and other special categories are eligible for the interest-free loan. 

The Udyogini Scheme in Karnataka was started by KSWDC (Karnataka State Women’s Development Corporation) with the support of a few banks. It was the first state where this scheme was launched. Eventually, the scheme got adopted in the rural areas of many states. 

At present, the Udyogini Yojana is active in 200 villages in Madhya Pradesh, Rajasthan, Uttarakhand, Chhattisgarh, and Jharkhand. Over the years, this scheme has helped more than 50,000 women across the country. 

Features of the Udyogini Scheme 

Some of the special features of the Udyogini Yojana are stated in the below table:

SR. No. Features Details
1Yearly family income of eligible applicants Rs. 1,50,000 or less    No income limit for widows and disabled women
2Age limit 18 to 55 years 
3Loan amount Up to Rs. 3,00,000
4Rate of interest Competitive (free or subsidized loans are provided to women belonging to special categories
5Collateral Not required
6Processing FeesNil

Industries Covered Under Udyogini Yojana 

Around 88 industries are covered under the Udyogini Scheme. Most of these industries fall in the category of small and microenterprises. Some of the popular industries that can be supported by the Udyogini Scheme are listed below:

Sr. No.Industries
1Incense sticks manufacturing
3Coffee and tea shop
4Flower shop
5Mutton shop
6Flour mills
7Fish stalls
8Milk booth
9Fairtrade shop
10Beauty Parlour
11Travel Agency
12Typing institute
13Ice cream Parlour
14Photo Studio
15Sweet shops
16Gym center
17Pan masala shop
18Stationery Shop
20Vegetable Vending

Note: You can visit the official website of Udyogini to get the complete list of industries covered under this scheme.

Eligibility Criteria For Loans Under Udyogini Yojana 

The below table will help you in understanding the eligibility criteria you must meet to obtain a loan under the Udyogini Scheme:

Sr. No. Particulars Details 
1Gender Women
2Age limit 18 to 55
3Annual Family Income Less than or equal to Rs. 1,50,000
4Widow & disabled womenNo age and income limit is required for widowed and disabled women

How To Apply For The Udyogini Scheme?

You can visit the bank that offers the Udyogini Scheme for women’s entrepreneurs to women. The bank will provide you with the application form and details of the scheme. You can fill out and submit this form along with the necessary documents. 

Alternatively, you may also visit their official website and fill out the Udyogini Scheme online form. The online process is facilitated by many banks and eases out the entire procedure. 

Documents Required For the Udyogini Yojana 

The following documents should be submitted to get a loan under the Udyogini Scheme:

Sr. No.Documents
1Aadhaar Card 
2Birth Certificate
3Address proof
4Proof of income
5BPL (Below Poverty Line) Card and Ration Card 
6Caste Certificate (Applicable only for SC and ST applicants)
7Bank passbook copy that contains details like IFSC code, MICR, account number, bank name, branch name, and account holder’s name
8Passport size photos
9A duly filled Udyogini Scheme online form 

Note: The bank or financial institution may ask for additional documents are per the requirements.


The Udyogini Scheme aims to bring change in the lives of women. It targets the rural and backward areas where women struggle to get financial freedom. If you want to avail the loan under this scheme, you can visit a nearby bank and understand the loan details. Currently, this loan is only applicable in a few states. Therefore, you must consider all these things before opting for a loan.


  1. How much loan subsidy is offered under the Udyogini Scheme?

A loan subsidy of 30% is provided to women entrepreneurs under the Udyogini Yojana. This helps them to repay the loan and reduces their financial burden. 

  • Is skill-development training provided under the Udyogini Scheme?

Yes, skill-development training is also provided for eligible women entrepreneurs under this scheme. You will learn the fundamentals of business like costing, business planning, understanding feasibility study of business, costing, etc. in this training program. Apart from skill development, a functional literacy program is also designed under this scheme. Under this program, women are taught how to read, write, maintain records, and do basic calculations. This program aims at providing semi-literacy to women so that they can run their businesses efficiently. 

  • Which are the key benefits of the Udyogini Scheme?

Udyogini Yojana was introduced by the Indian government to support women’s entrepreneurship in rural areas. It supports women who are financially backward to set up a business. It also provides them with training and makes them financially independent. 

  • Are funds under the Udyogini Yojana offered only for SC/ST women?

Udyogini Scheme offers funds to all women irrespective of their caste. They must only fulfill the eligibility criteria as stipulated under this scheme.

By indifi

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