There is no single scheme for women-owned businesses. Instead, several mainstream schemes give better terms when the enterprise is owned by a woman. Our full guide explains how to use them.
CGTMSE: 90% guarantee for women entrepreneurs
Running (check the source for current terms)
- What it offers
- Collateral-free loans with 90% guarantee coverage for women entrepreneurs (75% for "all other" borrowers) and a 10% discount on the annual guarantee fee.
- Who it is for
- Women-owned micro and small enterprises borrowing from member lenders.
- Official source
- CGTMSE scheme document · PIB
PMEGP special category
Running (check the source for current terms)
- What it offers
- Women pay 5% of project cost (instead of 10%) and get a 25% urban or 35% rural subsidy (instead of 15% or 25%).
- Who it is for
- Women starting a new micro enterprise.
- Official source
- Ministry of MSME
ZED certification: extra 10%
Running (check the source for current terms)
- What it offers
- An additional 10% subsidy on certification cost for MSMEs owned by women, on top of 80%, 60% or 50% for micro, small or medium.
- Who it is for
- Women-owned, Udyam-registered MSMEs.
- Official source
- zed.msme.gov.in
Public procurement: 3% for women-owned MSEs
Running (check the source for current terms)
- What it offers
- 3% of central government annual procurement is earmarked for MSEs owned by women, within the 25% MSE target.
- Who it is for
- Women-owned micro and small enterprises selling to government.
- Official source
- PIB
Stand-Up India
Status: Ran up to 31 Mar 2025. A new scheme with loans up to ₹2 crore for first-time women, SC and ST entrepreneurs was announced in Budget 2025-26 and is still being prepared.
- What it offers
- Bank loans of ₹10 lakh–₹1 crore for greenfield projects by SC, ST and women entrepreneurs.
- Who it is for
- Women entrepreneurs above 18 starting a first enterprise.
- Official source
- Department of Financial Services
Maharashtra CMEGP: special category
Status: The state page lists scheme dates of 01/08/2019–31/03/2024. Check maha-cmegp.gov.in for whether applications are open.
- What it offers
- Women are in the special category: 25% subsidy in urban and 35% in rural areas, for new units up to ₹50 lakh (manufacturing) or ₹20 lakh (services).
- Who it is for
- Women starting a new unit in Maharashtra.
- Official source
- Commissionerate of MSME, Maharashtra
Gujarat Industrial Policy 2026: women entrepreneurs
- What it offers
- An additional 1% interest subsidy and rental assistance of 75% of rent paid, up to ₹3 lakh a year for five years.
- Who it is for
- Women entrepreneurs in Gujarat.
- Official source
- Viksit Gujarat Industrial Policy 2026
Last checked 11 Oct 2026 against the official sources linked for each scheme. If a scheme has closed or changed, tell us on Facebook.
Disclaimer: This page is general information, not legal, tax or financial advice. Scheme rules, limits and deadlines change, and eligibility is decided by the implementing agency or bank, not by us. Always read the official source linked for each scheme before you apply. OpportunityRaider is independent and is not a government website.