The central government manages a variety of assistance programs, including Business Loan Schemes for 2026, designed to remove barriers for women business owners. Access to funding is a critical element in fostering entrepreneurship. Fortunately, there is excellent news for female entrepreneurs looking to expand their operations or launch new startups. Here, we present a curated list of 9 business loan options tailored for women. Through these initiatives, women can secure funding up to Rs. 25 lakh without requiring collateral.
Numerous financial institutions offer specialized lending services with favorable interest rates for women-led businesses. The Central Government has introduced several such initiatives as part of its Women Entrepreneur Schemes. These women empowerment schemes are effectively supporting female founders in navigating India's growing startup landscape.
Let’s explore the various schemes that assist women in establishing and scaling their own enterprises.
List of 9 Business Loan Schemes for Women Entrepreneurs in 2026
Below is a compilation of 9 business financing options for women in 2026, created to provide capital of up to Rs. 25 lakh for their commercial ventures:-
Oriental Mahila Vikas Yojana
Under this initiative, the Oriental Bank of Commerce (OBC) offers financial assistance to women who independently or collectively own a business entity with at least 51% share capital. Through the Oriental Mahila Vikas Yojana, female entrepreneurs can access loans between Rs. 10 lakh and Rs. 25 lakh for small-scale operations. Notably, no collateral is required, and borrowers are granted a repayment window of up to 7 years. Additionally, women benefit from a 2% interest rate reduction.
Udyogini Scheme
The Udyogini Scheme provides loans of up to Rs. 1 lakh to women between the ages of 18 and 45. This funding supports activities in agriculture, retail, and small business sectors. Eligibility is restricted to women whose total household income is below Rs. 45,000 annually. Furthermore, a 30% subsidy is available for loans up to Rs. 10,000 for widowed, destitute, or disabled women belonging to SC and ST communities.
Sukanya Samriddhi Yojana
The SSY business loan program assists women launching micro-enterprises, such as tailoring units, beauty parlors, or tutoring centers. Upon approval, participants receive a Mudra Card, which functions similarly to a credit card with a limit set at 10% of the total loan. Loan amounts range from Rs. 50,000 to