Cent Kalyani Scheme – Business Loan For Women Entrepreneurs By Central Bank

Today, there is so much spirit among the women of the business world when it comes to achieving their goals of becoming entrepreneurs. But the biggest constraint they often experience is where to get the necessary funding, the materials, and the proper networks. These are the main problems that can be faced by women entrepreneurs. To overcome these issues, the government has now announced the Cent Kalyani Scheme under Startup India. This intervention funds the female entrepreneurs of businesses and organisations.

In this article, you will get the detailed information about the Cent Kalyani Scheme, its objectives, benefits, eligibility criteria, application process and much more.

What Is The Cent Kalyani Scheme?

The Cent Kalyani Scheme is a centrally sponsored scheme in India which is aimed at empowering women entrepreneurs. This is an organisation that assists women who desire to engage in start-ups and other ventures with funding and other support services. It is named the ‘Women Entrepreneurs and Startup Asymptote’, and it is implemented under the Startup India plan.

What Are The Cent Kalyani Scheme Benefits?

Whether it’s a lack of capital or high-interest loans, the Cent Kalyani Scheme resolves many pain points. Let’s explore how it helps women entrepreneurs grow with ease.

• Loan Options: The respective groups include Working capital loans, Cash credit and Overdraft facilities

• Maximum Loan Amount: The kind of loans which are provided are up to Rs. 100 Lakhs.

• Low Interest Rates: With supply chain financing, the rate of interest has been concessional, beginning from MCLR + 0.25%.

• No Collateral Required: Security is not required as the loan is secured under the CGTMSE, which stands for Credit Guarantee Fund Trust for Micro and Small Enterprises.

• No Third-Party Guarantee: But unlike any conventional guarantee, the CGTMSE guarantee does not require a third-party guarantee.

• Processing Fee: Most of those processing companies do not charge any processing fee.

• Insurance Coverage: Insurance of business property such as stocks, machinery and equipment, among others.

Also Read: Samridh Scheme: Empowering Startups With Funding & Growth Support

What Are The Documents Required For The Cent Kalyani Scheme?

Before applying, make sure you have all the right paperwork in place. These documents help banks verify your identity, income, and business status.

1) Identity Proof

• Voter ID

• Passport or Driving license

• PAN Card

• KYC documents.

2) Address Proof

• Domicile

• Telephone bill

• Property Tax Receipt

• Electricity bill

• Voter’s ID card.

3) Income Proof

• Balance sheets

• Profit and loss account

• Other financial documents.

4. Business Proof

• Profile of a business enterprise

• Letters of Interest, Understanding: continuous and hypothecation.

Also Read: Bihar Startup Policy 2025: Structure, Benefits, And Application Process

Conclusion

The Cent Kalyani Scheme is one of the best programs through which female entrepreneurs can access the funding they require to begin or scale up their ventures. This government scheme applies to the manufacturing industry, service industry or any other eligible sector: these industries can get the funding they need to be entrepreneurial without being stifled by high interest rates or security requirements. So don’t let this opportunity go, and expand your business as well as support the growth of India’s economy.

Get the latest updates on government schemes and policies with Jaagruk Bharat. Join India's biggest Jaagruk Bharat community. Share your thoughts, questions, and favourite topics with us.