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Mahila Udyamsilta Karja

“Mahila Udhyamsilta Karja” under Jyoti Sahuliyat Karja has been introduced aligning with the governments’ plan to provide subsidy on interest on different plans to develop entrepreneurship in the country. Mahila Udyamsilta Karja (Women entrepreneurship Loan) has been developed to provide financial assistance and encourage women to be entrepreneurs and start their own entrepreneurial journey. The product aims to be a catalyst to those motivated women who have faith in their skills and knowledge and are determined to bringing change in their lives through their own business venture.


Provide Financial assistance and encourage women to start their own business venture.


  • Eligibility: Individual woman should be at least 18 years old. In case of group, their must be minimum of 5 women of age at least 18 years old and they must be from different families
  • Loan Amount: Upto Rs. 15,00,000 or as prescribed by NRB from time to time.
  • Interest Subsidy: 6% interest subsidy
  • Tenure of Loan: Maximum 5 years tenure period
  • Collateral: No collateral requirement for loan upto Rs. 15 lakhs
  • Other security requirement:  Personal Guarantee of the borrower and family of members, project run by the borrower, Insurance of the project
  • Nature of Facility: Non revolving. However, revolving nature loan can be provided in the name of proprietorship of partnership firm if the proprietor or all the partners meet the required eligibility.
  • Repayment Modality:   EMI or EQI in case of Term Loan
  • Monthly or quarterly interest in case of OD facility

Required Documents

  • Duly filled loan application form of bank
  • Brief proposal of business operation and utilization of loan.
  • Photograph and Copy of citizenship of applicant and the guarantors
  • Copy of Registration of the business.
  • Partnership deed, if the borrower is partnership firm
  • Detail net worth of the guarantors.
  • Map of the applicants’ residence and property.
  • Other related document as necessary

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