The Udyogini Scheme 2024 in Tamil Nadu helps women who don’t have a lot of money start their own businesses. It gives them cheaper loans and support to set up small businesses, like making food or clothes.
This way, these women can become more independent and earn their own money, which helps them and their families. In this article, I will tell you how to apply for Udyogini loan scheme, last date, eligibility criteria, interest rate and much more.
- What is the Tamil Nadu Udyogini Scheme 2024?
- Financial Support and Subsidies
- Udyogini Yojana 2024 Women Entrepreneurs
- Udyogini Scheme Eligibility Criteria
- Udyogini Loan Scheme Documents Required
- Tamil Nadu Udyogini Scheme 2024 Apply Online
- Udyogini Loan Interest Rates
- Benefits of the Udyogini Scheme
- Supported Business Categories
- FAQs
- Conclusion
What is the Tamil Nadu Udyogini Scheme 2024?
| Scheme | Udyogini Yojana |
| Loan Amount | Upto 3 lakh Rupees |
| Scheme Purpose | Support Women Enterpreneur |
| Age | 18 to 55 years |
| Official Website | Apply Loan |
The Udyogini Scheme was started by the Women Development Corporation to help new women entrepreneurs by giving them interest-free loans. It focuses on helping poor women start businesses in different areas, which helps them become self-reliant and boosts economic growth.
Financial Support and Subsidies
| Category | Subsidy | Maximum Loan Amount | Income Limit |
|---|---|---|---|
| Scheduled Caste / Scheduled Tribe | 50% of loan amount | ₹1,00,000 to ₹3,00,000 | Below ₹2,00,000 per annum |
| Special Category | 30% of loan amount or ₹90,000 | Up to ₹3,00,000 | Below ₹1,50,000 per annum |
| General Category | 30% of loan amount or ₹90,000 | Up to ₹3,00,000 | Below ₹1,50,000 per annum |
Udyogini Yojana 2024 Women Entrepreneurs
The primary objectives of the Udyogini Scheme 2024 are:
- Empowerment: To empower women through self-employment opportunities.
- Financial Inclusion: Provide accessible and affordable credit facilities to women entrepreneurs.
- Skill Development: Facilitate skill enhancement through Entrepreneurship Development Programs (EDPs) and vocational training.
- Sectoral Growth: Promote growth in sectors such as manufacturing, services, and trade.
Udyogini Scheme Eligibility Criteria
To get the benefits of the Udyogini Scheme, applicants must meet the following criteria:
| Criteria | Details |
|---|---|
| Gender | Must be a woman |
| Age | Between 18 and 55 years |
| Family Income | Less than Rs. 1.5 lakh per annum |
| Special Categories | No income limit for disabled, widowed, or destitute women |
| Business Engagement | Small-scale industries, retail, manufacturing, trading, self-employed professions, etc. |
| Credit Score | Must have a good credit score |
Udyogini Loan Scheme Documents Required
Applicants need to submit the following documents:
| Document | Purpose |
|---|---|
| 1. BPL Ration Card | Proof of Below Poverty Line status |
| 2. Caste Certificate (if applicable) | Proof of caste for SC/ST applicants |
| 3. Certificate of Training or Experience | Proof of capability for your business |
| 4. Income Certificate | Proof of annual income |
| 5. Quotation of Capital Expenditure | Cost estimation for machinery, tools, etc. |
| 6. Aadhaar Card | Proof of identity |
| 7. Bank Account Statement | Checks your financial transactions |
| 8. Address Proof | Confirms your current address |
| 9. Mobile Number | For communication |
| 10. Passport-size Photographs | For official records |
| 11. Birth Certificate | Proof of age |
| 12. Bank Passbook Copy | Shows your bank details and transactions |
| 13. Detailed Project Report (DPR) | Outlines your business plan and projections |
Tamil Nadu Udyogini Scheme 2024 Apply Online
Online Application
- Visit Official Website: Go to the bank’s website that offers Udyogini loans.
- Locate Scheme: Find the section on the website that talks about the Udyogini scheme. Fill out the application form there.
- Verification: The CDPO (Child Development Project Officer) will carefully review your application and send it for additional checks.
- Submission to Bank: After the CDPO’s review, your application is sent to the bank. They will verify your documents and project plans.
- Approval: If everything is in order, the bank approves your loan. They then transfer the loan amount to your bank account or directly to the suppliers you’re working with.
Offline Application
- Obtain Application Form: Get the form from the Deputy Director’s office, CDPO office, or download it from the bank’s website.
- Submit Form: Take the filled-out form and required documents to the nearest bank.
- Verification: The bank will check your loan request and documents to make sure everything is correct.
- Approval: If everything looks good, the bank will approve your loan. They will then give you the loan money, either into your bank account or directly to the suppliers you’re working with.
Udyogini Loan Interest Rates
The Udyogini Scheme offers interest-free loans to specific categories of women:
| Category | Interest Rate |
|---|---|
| Disabled, Dalit, Widows | 0% |
| Other Categories | 10%-12% |
Benefits of the Udyogini Scheme
- Loan Amount: Up to Rs. 3 lakhs for eligible women.
- Industry Support: Supports 88 small-scale industries.
- Interest-Free Loans: Available for agricultural sector businesses.
- Skill Development: Training on business planning, pricing, feasibility, costing, etc.
- Subsidy: 30% subsidy on loans to assist in repayment.
- Transparent Evaluation: Ensures smooth assessment of applications.
Supported Business Categories
The Udyogini Scheme supports various businesses, including but not limited to:
| Business Category | Examples |
|---|---|
| Manufacturing | Agarbatti, bed sheets, towels, bangles |
| Services | Beauty parlour, canteen, catering, diagnostic lab |
| Retail | Flower shops, grocery stores, ready-made garments |
| Agriculture | Dairy, poultry, vermicelli manufacturing |
FAQs
A: Many different types of banks and financial institutions, like commercial banks, private banks, Regional Rural Banks (RRBs), district cooperative banks, and non-banking financial institutions, provide loans through the Udyogini Scheme.
A: In Tamil Nadu, the Udyogini Scheme gives money to women so they can start their own businesses. This helps the economy grow and makes women more independent.
A: Women aged between 18 to 55 years old can apply for the Udyogini Scheme if their family earns less than Rs. 1.5 lakh annually. Disabled, widowed, or destitute women face no income restrictions. Applicants need a good credit score and should be involved or planning to join sectors like small-scale industries, retail, manufacturing, trading, self-employment, or related fields.
A: Disabled, Dalit, and widowed women can get loans without paying any interest under the Udyogini Yojana. However, other women may need to pay interest rates ranging from 10% to 12% on their loans.
A: No, the Udyogini Scheme is only for setting up businesses or enterprises.
Conclusion
The Udyogini Scheme 2024 represents a significant step towards gender equality and economic empowerment in Tamil Nadu. This helps women achieve their goals of starting businesses and making a real difference in Tamil Nadu’s economy.
என் பெயர் தேவி
நான் ஒரு ஆயுள் மற்றும் பொது காப்பீடு ஆலோசகர் . நான் காப்பீடு அலுவலகம் அமைப்பதற்கு உத்யோகினி திட்டத்திற்கு கீழ் விண்ணப்பிக்கலாமா?
என் பெயர் தேவி,
நான் ஒரு ஆயுள் மற்றும் பொது காப்பீடு ஆலோசகர் . நான் காப்பீடு அலுவலகம் அமைப்பதற்கு உத்யோகினி திட்டத்திற்கு கீழ் விண்ணப்பிக்கலாமா?
என் பெயர் தேவி,
நான் ஒரு ஆயுள் மற்றும் பொது காப்பீடு ஆலோசகர் . நான் காப்பீடு அலுவலகம் அமைப்பதற்கு உத்யோகினி திட்டத்திற்கு கீழ் விண்ணப்பிக்கலாமா?
I want udhyohini lone
VANAGAM SIR TAMIL NADU MADURAI SERU THOLIL LOAN NEEDED SIR.
4 வருடம் துணி கடையில் வேலை பார்த்தேன்.இப்போது சுயமாக துணி கடை வைக்க விரும்புகிறேன். இந்த திட்டம் எனக்கு வேண்டும்
I have udhyohini scheme loan wanted
Iam tailor sir romba kasta paduren enaku loan kedaicha nalla erukum sir
I want udyogini Yojana lone sir
I need loan I start small business
I need education loan
Centring sales business loan ketaikum ah
I want udyogini lon apply
என் பெயர் k. சுமதி
என் போன் நம்பர் 9600558150
நான் மளிகை கடை வைக்க எனக்கு udyogini திட்டம் மூலமாக உதவி செய்து தருமாறு தாழ்மையுடன் கேட்டுக்கொள்கிறேன் ஐய்யா.
சிறு தொழில் தொடங்க கடன் உதவி
ஐயா, வணக்கம், நான் காய்கறி கடை வைத்து சுயதொழில் புரிய, எனக்கு udyogini திட்டம் மூலமாக எனக்கு உதவி பண்ணுமாறு கேட்டு கொள்கிறேன் 🙏🙏🙏
எங்களுக்கு சிறு தொழில் செய்ய கடன் உதவி
வணக்கம், ஐயா என் பெயர் செ. லதா
நான் சிறு தொழில் வைக்க எனக்கு udhyogini திட்டத்தின் மூலம் கடன் உதவி செய்து தாருங்கள் ஐயா… நன்றி
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