iob_bank_mahila_shaksham

Page Last Updated (date and time):Aug 25, 2026 at 05:05:10 PM
Mahila Shaksham

MAHILA SHAKSHAM

WOMEN ENTERPRISE FINANCING

Scheme

Purpose

Loan for Mushroom cultivation/ High value crop cultivation in green house/ poly house, floriculture etc./ Allied activities like dairy, poultry, sericulture, pisciculture, Goat & sheep rearing etc./ Papad/ Traditional snacks/ Flour mill/ Oil processing units/ Agri clinic and Agri Business center.

Eligibility

Target Audience

Only Women applicants who are the members of existing SHG groups

Criteria

Parameter

For loan requirement above Rs. 75000 to

Rs. 2 Lakhs

For loan requirement above Rs. 2 Lakhs to Rs. 10 Lakhs

Conditions

Applicant to be member of 2-year-old SHG and the group must have availed minimum 1 loan cycle where the applicant must have obtained Rs.25,000/- minimum

Applicant to be member of 3-year-old SHG and the group must have availed minimum 2 loan cycle where the applicant must have obtained Rs.40,000/- minimum

Financials

Quantum

Minimum Rs. 75,000/- to Maximum Rs. 10,00,000/-

Margin

10% of project cost

Rate of interest

10.80% at present (Flat rate)

Processing charges

Up to Rs.50,000/-: Nil

Above Rs.50,000/-: 0.40% + applicable GST

Tenure

Repayment period

Maximum 60 months including moratorium period

Holiday period

Maximum 12 months

Security

Irrespective of quantum

Hypothecation of assets created out of bank finance.

Credit Guarantee

Credit Guarantee Fund for Micro units (CGFMU) is available for the loans sanctioned under this scheme
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