Stree Shakti Scheme

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Status: Active

Classification: Public Sector Scheme

Release Date(s):
30th April 2022
18th November 2020

Offering: Loan/Credit

Entity Type: Central Government

Reading Time: 4 Mins

Ticket Size: Upto ₹25 Lakhs

Entity Name: State Bank of India

#Views: 56

Disclaimer….before you read ahead!

The information contained herein is of a general nature and for information purposes only, with the intent of raising awareness around various resources, schemes etc. available for women entrepreneurs in India. It is not intended to address the circumstances of any particular individual or entity. It does not purport to be all-inclusive or necessarily contain all the information that may be relevant for the reader, and may be subject to updation, revision or amendment. Although we endeavor to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to remain accurate in the future. The reader, therefore, is required to exercise their discretion; and not act on such information without appropriate professional advice after a thorough examination of the particular situation.

Furthermore, we are not a lender and are not authorized by the Reserve Bank of India to act as one. By disseminating the information contained herein, we are not soliciting any borrower or customers for the company or organization mentioned herein nor do we intend to syndicate any capital for the reader of this email.


About the scheme…

Stree Shakti Scheme was launched by SBI with an objective to make women in India self-reliant and empowered, by proving financial assistance to promote entrepreneurship amongst women who wish to become entrepreneurs or are wanting to expand their existing business.


How is it being implemented?

Under Stree Shakti Scheme, direct financial assistance, in the form of loans, is given to


What’s on offer?
I. Product: 

Term loan or working capital facility upto ₹25 Lakhs

  • For Retail Traders & Business Enterprises, loans from ₹50K upto ₹2 Lakhs
  • For Micro, Small or Medium Enterprises & Professionals, loans from ₹50K upto ₹25 Lakhs

II. Purpose:

  • Capital expenditure requirements
  • Working capital requirements

III. Borrower Type

  • Individual (above 18 years), sole proprietorship, partnership firm, private limited company or any other entity

IV. Security or Collateral or Guarantee or Insurance

  • Nil security or collateral for loans upto ₹5 Lakhs
  • However, first charge on all assets created out of the loan extended or assets which are directly associated with the business/project for which loan has been extended
  • For information around requirement of collaterals on loans in excess of ₹5 Lakhs, please contact your nearest SBI branch
  • For information around applicability of guarantee cover of CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), please contact your nearest SBI branch
  • For information around requirement of insurance, please contact your nearest SBI branch

V. Interest Rate

  • Reasonable per Bank’s prevailing rate of interest at the time of application and applicant’s business profile, Less 0.50% Interest Concession if loan amount exceeds ₹2 Lakhs
  • No interest concession on loan advanced to Retail Traders

VI. Processing fee

  • Details don’t seem to be available in the public domain. Contact your nearest SBI branch

VII. Margin money requirement

  • Bank’s prevailing margin money requirement Less 5% concession as applicable to separate categories

VIII. Tenure

  • Details don’t seem to be available in the public domain. Contact your nearest SBI branch


Interested? Read ahead to check your eligibility….


Are you setting up or running a Micro-enterprise or Small-enterprise or Medium-enterprise defined per MSMED Act, meaning Investment in Plant & Machinery or Equipment of your Enterprise does not exceed ₹50 Crores and Turnover does not exceed ₹250 Crores both in the manufacturing as well as services sector?


Are you a Professional?


Are you Self-employed?


Are you a Retail Trader?

II. Are you the sole owner of your business or hold stake more than 50% in your business?

III. Are you a part of or at least are pursuing the Entrepreneurship Development Programme (EDP) organised by state agencies?

If your answers to the questions above are an emphatic YES, you are all set to avail loans under Stree Shakti Scheme!


So…how big is this scheme and what has been done so far?

I. Details don’t seem to be available in the public domain


So, now, how should you go about it?

I. Reach out to an SBI branch nearest to you –

II. For information on list of documentation that may be required, please refer here


Go on then…and do spread the word!




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