Udyogini Yojana: Government Offers Loans Up to ₹3 Lakh Without a Guarantor, Know How to Apply

UdaipurTimes, Government Schemes Updates | August 18, 2026: The central government has brought forward one scheme after another for women. Amid all of these, one such scheme is called Udyogini Yojana. Through this scheme, the central government is providing loans of up to Rs 3 lakh to women to start or expand their small businesses. And the most important thing is that no guarantor is required to get this loan. There is no need to mortgage the property.

Who will the government give loans to?

Not all Indian women will get this loan. Rather, only those who want to start a business will be given loans under the Udyogini Yojana.

If you want to get this loan, you have to meet some special conditions. In this case, you have to provide information about the woman’s age, family income, and previous loans. If the loan conditions are met, you will get the money. Otherwise, you will not get the money.

There is subsidy

Now, many people may think that loans are available only from banks. So, what is the benefit of taking a loan through the Udyogini Yojana? The main benefit is that this scheme provides a subsidy on loans.

Under this scheme, women from the general category can get a 30 percent subsidy on their loans. SC and ST women can get a subsidy of up to 50 percent. In addition, widows, specially-abled women, and helpless women can get loans at special interest rates.

On what conditions will the loan be given?

1. Women between the ages of 18 and 55 can apply for the Udyogini scheme.

2. To get a loan under this scheme, the annual family income should be within Rs 1.50 lakh. However, there is a deduction in the income of widows, specially abled and helpless women.

3. In addition, it is also checked whether the loan has been taken before or not and whether it has been repaid properly.

What documents will be required?

In this case, these documents are a must-

• Aadhaar card
• Voter card
• Income proof
• One passport-size photograph
• Business documents

How to apply?

If you want to get a loan of up to Rs 3 lakh under the Udyogini Yojana, you have to go to the bank. Go there and fill up the form and submit it. The bank will see your documents. It will approve the loan. Then the money will reach the specified bank account.