As per the PNB Mahila Samridhi Yojana 2025, women from notified backward classes or BPL having household income less than ₹3 lakh and structural area ₹5 lakhs can benefit from it with a ceiling of 20 women members in self-help groups. It is being executed through State Channelizing Agencies, Regional Rural Banks and nationalized banks to promote financial inclusion and sustainable livelihoods for the poor women. You should know that the PNB Mahila Samridhi Yojana Interest Rates 2025 is 7.50% Annually.
PNB Mahila Samridhi Yojana 2025
The PNB Mahila Samridhi Yojana 2025 is a microfinance program that has been initiated by the government to encourage women, particularly poor and underprivileged women, to gain economic independence through entrepreneurship. Perhaps ideal to enable women to start micro-businesses or undertake income generating activities, the scheme provides loans (usually upto ₹60,000) on attractive terms(Interest rate or with a moratorium) to release them from the clutches of the moneylender either through SHGs route or directly to most eligible poor women.
PNB Mahila Samridhi Benefit Amount 2025
| Name Of Scheme | PNB Mahila Samridhi Yojana |
| Launched By | Punjab National Bank (PNB) in collaboration with Government of India initiatives for women empowerment |
| Objective | To promote self-employment and entrepreneurship among women, especially from economically weaker and marginalized sections |
| Type of Scheme | Micro-credit / Small Business Loan Scheme |
| PNB Mahila Samridhi Benefit Amount 2025 | Up to Rs/-2 Lakhs |
| Loan Purpose | For setting up small businesses, micro-enterprises, retail shops, tailoring units, beauty parlours, handicrafts, dairy, poultry, etc. |
| Interest Rate | Concessional rates, generally 1–2% lower than regular business loan rates |
| Repayment Tenure | Flexible repayment up to 5 years, depending on loan amount and income source |
| Processing Fee | Minimal or nil for small-ticket loans under priority sector |
| Subsidy / Support | May include interest subsidy or margin money support under allied government schemes |
| Documentation Required | ID proof, address proof, income certificate, business proposal, and photographs |
| Application Process | Online and Offline |
| Category | Yojana |
PNB Mahila Samridhi Yojana Eligibility Criteria 2025
Here the PNB Mahila Samridhi Yojana Eligibility Criteria 2025 which a beneficiary should satisfy to get benefits are outlined:
- You must be 18 to 60 years old of age at the time of the application
- Candidates must be Indian.
- These women are middle and working class.
- Preference will be given to women from semi-urban to rural areas.
- The loan is applied by either a group of SHGs or individuals.
- You have to provide a realistic plan or business idea that generates income.
Benefits Of PNB Mahila Samridhi Yojana 2025
- It is designed to help Southeast Asian women build their own businesses, become self-sufficient.
- Loans of upto ₹1 lakh are given without requirement of collateral thus, making it easier for women to access funds.
- The loan’s interest rate is 1% to 2% less than a typical business loan, making it easier to pay back.
- Debt would then impose less of an immediate financial burden if repayment is stretched over a maximum period of five years.
- Several PNB offices collaborate with training centers to provide business counseling and skills enhancement for women entrepreneurs.
- At an aggregate level, the self-help groups of women (SHGs) can collectively ask for better and more beneficial funding.
- The programme is aimed at promoting entrepreneurship and small business, particularly in rural environment and such other areas.
- It helps women build a strong credit history, so they can later qualify for bigger business loans.
- The loan approval and disbursement process is faster with the program than the regular company loans, minimizing waiting time.
- It is to incentivize women’s active role in economic development as suggested by the Financial Inclusion and Stand-Up India objectives of the country.
PNB Mahila Samridhi Yojana Interest Rates 2025
The PNB Mahila Samridhi Yojana Interest Rates 2025 is maintained to be affordable and concessional, so it becomes less for women to invest in new or existing business.
Interest Rate Structure (Indicative)
- Standard Business Loan Rate: 9.00 -11.50% p.a.
- PNB Mahila Samridhi Yojana Rate: 7.50% – 9.50% p.a.
PNB Mahila Samridhi Yojana Registration 2025 : Documents Required
Individuals must submit the below-mentioned documents at the time of PNB Mahila Samridhi Yojana application:
- Duly filled loan application form
- Aadhaar card / PAN card
- Proof of address – Voter ID, electricity bill or ration card.
- Passport-size photographs
- TAN or Tax deduction and collection account number,Income certificate or occupation certificate
- Business plan or project report
- Bank statement / passbook copy
How To Apply Online PNB Mahila Samridhi Yojana 2025
To apply for the scheme, simply follow these steps:
- You will have to go to your nearest PNB Branch.
- Fill in your business, income and personal details.
- Include all relevant documentation, example your identification, proof of income and business plan.
- Send the filled-up form to the bank officer for approval.
- With the proposal approved, the loan amount directly gets credited into your PNB account.
- Instead, eligible candidates can apply online in the loan application section of the PNB website.
FAQs On PNB Mahila Samridhi Yojana 2025
Who started this plot?
Events Punjab National Bank in its effort to promote women started the program.
What is the objective of the scheme?
to support women financially to build or grow small businesses.
Is the program available all over India?
Yes, it is available at all PNB branches across the country.
Which type of companies is it applicable to?
Small Businesses include entities such as Tailoring, boutiques, beauty saloons, Handicrafts, retail sale, etc, Dairy and poultry units.