Wishwas Scheme

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Status: Active

Classification: Private Sector Scheme

Release Date(s):
24th April 2024

Offering: Loan/Credit

Entity Type: NBFC

Reading Time: 5 Mins

Ticket Size: upto ₹40 Lakhs

Entity Name: Capri Global Capital Limited

#Views: 24

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 updating, 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 article.


About this scheme…

Wishwas Scheme was launched in November 2020 by Capri Global Capital Limited (CGCL), a non-deposit taking Non-Banking Financial Company (NBFC) registered with Reserve Bank of India (RBI), to offer tailored business loans to women entrepreneurs to fuel their success with dedicated financial support.


How is it being implemented?

Under this Scheme, direct financial assistance in the form of loans is given exclusively to,

  • Women entrepreneurs


What’s on offer?

I. Product

  • Term loan
  • Ticket Size: upto ₹40 Lakhs


II. Purpose:

  • Investment/acquisition of fixed assets
  • Working capital requirements
  • For more information around this, please contact CGCL via means mentioned below


III. Borrower Type:

  • Individuals, Sole Proprietorship, Partnership, Limited Liability Partnership (LLP), Private Limited Company, Public Limited Company, Hindu Undivided Family (HUF)
  • For more information around this, please contact CGCL via means mentioned below


IV. Security or Collateral or Guarantee or Insurance

  • Security: First charge over assets created out of the loan disbursed under the Scheme
  • Collateral: Residential or commercial property
  • Guarantee: For more information around this, please contact CGCL via means mentioned below
  • Insurance: For more information around this, please contact CGCL via means mentioned below


V. Interest Rate

  • Interest rates can be floating or semi fixed
  • Ranges between 13.00% – 19.50%
  • Interest rates mentioned above are variable in nature & is linked with Long Term Reference Rate (LTRR) of CGCL which is decided from time to time. It is further dependent on risk profile of customer – professional qualification, stability in earnings and employment, past repayment track record with us or other lenders, external ratings of customers, credit reports, customer relationship, future business opportunities and type of collateral offered etc.
  • LTRR of CGCL is 22.5% w.e.f July 1, 2019


VI. Processing Fee

  • For loans upto ₹10 Lakhs: 2% + GST
  • For loans above ₹10 Lakhs to ₹40 Lakhs: 1.75% + GST
  • In addition to the processing fee, the is a non-refundable application fee of 3,500₹


VII. Margin Money Requirement

  • For more information around this, please contact CGCL via means mentioned below


VIII. Tenure, Repayments & Pre-Closures

  • Tenure: 18 months – 10 years
  • Repayments: EMIs, flexible and tailor made repayment options are available
  • EMI waivers for regular repayments:
    • 3 EMIs waived off at the end of the 3rd year
    • 5 EMIs waived off at the end of the 5th year
    • 10 EMIs waived off at the end of the 10th year
  • Pre-payment Charges:
    • Pre-payment is not allowed in first 12 months from the date of last disbursal
    • Pre-payment of amount up to 25% of principal outstanding (with minimum amount of 3 EMIs) is allowed once in any financial year without any charges
    • Pre-payment charges (part/ full) to be 5% from 13-24th month from the date of last disbursal
    • Pre-payment charges (part/ full) to be 3% from 25th month from the date of last disbursal


IX. Turnaround Time

  • CGCL follows a 5-step process from loan application to loan disbursal which includes loan application form, documents collections, verification for sanction letter, disbursal request for loan agreement and credit loan amount in bank account
  • For more information around this process along with the turnaround times, please contact CGCL via means mentioned below


Interested? Read ahead to check your eligibility…

I. Are you a woman between 18 and 45 years of age?


II. Will you be 60 years of age or less at the time of loan maturity?


III. Is your business managed or co-managed by you?


IV. Have you been operating your business for atleast last 1 year?


If your answers to the questions above are an emphatic YES, you are all set to avail loan under Wishwas Scheme!


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

I. Details of progress under this Scheme do not seem to be available in the public domain


So, now, how should you go about it?

I. For submitting application,




II. For information on documentation requirements, please refer here


III. For any queries, please contact CGCL via:





  • Call toll free number: 18001021021 10am to 5pm Monday through Friday




Go on then…and do spread the word!


1. About Wishwas Scheme
2. Capri Global Capital Limited Corporate Presentation January 2024
3. Capri Global Capital Limited Annual Report 2022-23
4. Capri Global Capital Limited Latest Credit Rating Report September 2023


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