Government schemes for women entrepreneurs in India (2026): which are really open?

Описание: Which government schemes can a woman starting a business from home in India apply for in 2026? We checked each one on its official website. Open today: the Mudra loan (up to ₹20 lakh, no collateral), the new business credit card for micro businesses (up to ₹5 lakh), self-help group loans in villages (up to ₹3 lakh at 7%) and PM SVANidhi for street vendors. PMEGP has paused new applications, PM Vishwakarma has reached its registration target, and Stand-Up India stopped new loans in March 2025.

This video also covers free training at RSETIs, state schemes for women such as Karnataka's Udyogini, Maharashtra's CMEGP and Rajasthan's Nari Shakti scheme, what Lakhpati Didi really is, the old schemes that closed years ago, and the fake "PM Nari Shakti Yojana" and fake Mudra loan letters to watch out for.

Facts are as of 16 October 2026. Scheme rules change with every budget, so check the scheme's own website or ask your bank before you apply.

Chapters
0:00 Government schemes for women: open, paused or fake?
0:30 Mudra loan for women: Shishu, Kishor, Tarun, Tarun Plus
1:19 Business credit card for micro businesses (up to ₹5 lakh)
1:46 Self-help group loans and Lakhpati Didi
2:35 PM SVANidhi loan for street vendors
3:05 Free training at RSETIs
3:22 State schemes: Udyogini, CMEGP, Nari Shakti
3:41 PMEGP paused, PM Vishwakarma, PMFME
4:18 Stand-Up India closed, and old schemes
4:46 Fake schemes: PM Nari Shakti Yojana, fake Mudra letters
5:05 Before you apply: official websites, 1930
5:24 Selling on Sagazo with zero commission

Where to apply (official websites)
Mudra loan for women: any bank branch, or online at https://www.jansamarth.in
Business credit card for micro businesses (needs Udyam registration): https://www.jansamarth.in/micro-credi... or your bank
Udyam registration, free: https://udyamregistration.gov.in
Self-help groups: the women's group in your village, or the block office of your state's rural livelihoods mission
PM SVANidhi loan for street vendors: https://pmsvanidhi.mohua.gov.in , your town or block office, or a Common Service Centre
Free training at an RSETI: ask your district's lead bank, or find one at https://kaushal.rural.gov.in
State schemes: your District Industries Centre, or your state's women's development corporation
PMEGP (new applications paused on 16 October 2026): https://pmegp.msme.gov.in
PM Vishwakarma (registration target reached; applications through Common Service Centres only): https://pmvishwakarma.gov.in
PMFME for food makers (extended until September 2026; check its status first): https://pmfme.mofpi.gov.in

Before you apply
Don't pay anyone to get you a loan. Mudra and PMEGP use no agents, and Mudra does not lend to anyone directly.
Not sure a message or a loan letter is real? Send it to PIB Fact Check on WhatsApp: +91 87997 11259
Lost money? Call 1930 straight away, or report it at https://cybercrime.gov.in

Read more
Government schemes for women starting a home business: https://sagazo.com/blog/government-sc...
How to get a Mudra loan for a home business: https://sagazo.com/blog/mudra-loan-fo...
How to get Udyam registration for a home business: https://sagazo.com/blog/udyam-registr...

Selling on Sagazo
Sagazo takes no commission and charges no listing fee, so a ₹700 kurti pays you ₹700. Tell us about your shop on the become a seller page and we will help you get set up: https://sagazo.com/become-a-seller
Seller help centre: https://sagazo.com/help/sellers

Sources
MUDRA FAQ: https://www.mudra.org.in/FAQ
RBI, collateral-free MSE loans up to ₹20 lakh from 1 April 2026: https://www.rbi.org.in/Scripts/BS_Vie...
Credit Card Scheme for Micro Enterprises: https://www.jansamarth.in/micro-credi...
PM SVANidhi extended to March 2030 (Cabinet, 27 August 2025): https://www.pib.gov.in/PressReleasePa...
RSETIs (PIB, 27 March 2026): https://www.pib.gov.in/PressReleasePa...
PMEGP portal notice: https://pmegp.msme.gov.in
PM Vishwakarma portal: https://pmvishwakarma.gov.in
PMFME extended till September 2026 (PIB, 22 May 2026): https://www.pib.gov.in/PressReleasePa...
Stand-Up India portal notice: https://www.standupmitra.in
Budget 2025-26, para 32 (the ₹2 crore scheme): https://www.indiabudget.gov.in/budget...
Mahila Udyam Nidhi withdrawn in October 2009 (Rajya Sabha, 29 November 2021): https://sansad.in/getFile/annex/255/A...
PIB Fact Check on "PM Nari Shakti Yojana": https://t.me/PIB_FactCheck/1036
PIB Fact Check on a fake Mudra loan letter (13 September 2026): https://t.me/PIB_FactCheck/1975

Narration: an AI voice made with ElevenLabs. Music and graphics were made for this video.

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