StockRHINO | Naari Shakti

Empowering Women Entrepreneurs

Unlock financial support and growth opportunities with Naari Shakti schemes designed to empower women-led businesses.

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Women entrepreneurs, your growth starts here

Union Nari Shakti specialises in financing women entrepreneurs to fulfil their dreams for financial freedom. Get attractive interest rates on business loans with hassle-free processes for your business.

Eligibility

All women owned & managed MSMEs (having valid UDYAM Registration Number.
In case of Partnership/Companies, women must own minimum share capital of 51%/

Margin

Minimum 5% margin for loans up to Rs 100.00 lakh
Minimum 15% margin for loans above Rs 100.00 lakh

Security

Primary: All assets created out of Bank’s finance shall be charged in favor of Bank by way of Hypothecation/Mortgage etc
Collateral: The borrower shall provide additional security/collateral as required by the Bank to secure the loan.

Purpose

Term Loan for purchase/construction/renovation of factory/offices/shop/godown or for purchase of plant & machineries.
Cash Credit for working capital requirements

Processing Charges

For exposure up to Rs.200 lakhs – NIL
Exposure above Rs.200 lakhs – 50% concession in applicable charges
Online applications processed at zero cost.

Quantum of Finance

Min: Rs.2.00 Lacs
Max: No ceiling, need based finance to MSME
Maximum Quantum allowed to SHG – Rs.20.00 Lacs

ROI

Concessional Rate of Interest
Choice of fixed or floating interest rates based on borrower’s preference.
Reduced rates for longer repayment tenure.

Facility

Working Capital (Fund Based &/or Non Fund Based)
Term Loan
Letter of Credit (LC)
Bank Guarantee (BG)

Eligibility

All women owned & managed MSMEs (having valid UDYAM Registration Number.
In case of Partnership/Companies, women must own minimum share capital of 51%
Women Self Help Group (SHG) having valid Udyam Registration Certificate.

Purpose

Term Loan for purchase/construction/renovation of factory/offices/shop/godown or for purchase of plant & machineries.
Cash Credit for working capital requirements

Quantum of Finance

Min: Rs.2.00 Lacs
Max: No ceiling, need based finance to MSME
Maximum Quantum allowed to SHG – Rs.20.00 Lacs

Margin

Minimum 5% margin for loans up to Rs 100.00 lakh
Minimum 15% margin for loans above Rs 100.00 lakh

Processing Charges

For exposure up to Rs.200 lakhs – NIL
Exposure above Rs.200 lakhs – 50% concession in applicable charges

Facility

Working Capital (Fund Based &/or Non Fund Based)
Term Loan

Security

Primary: All assets created out of Bank’s finance shall be charged in favor of Bank by way of Hypothecation/Mortgage etc

ROI

Concessional Rate of Interest

Naari Shakti Loan's FAQ's

What is a Naari Shakti Loan?

A special loan scheme designed to empower women entrepreneurs.

Who can apply for this loan?

Any woman entrepreneur, professional, or business owner.

What is the maximum loan amount available?

Up to ₹200 lakhs, depending on eligibility.

Is collateral required?

Collateral-free loans available under CGTMSE coverage.

What is the rate of interest?

Concessional rate of interest is offered for women borrowers.

Are there any processing charges?

Up to ₹200 lakhs – NIL, above ₹200 lakhs – concessional charges.

What is the repayment tenure?

Flexible repayment period, up to 7 years (varies by loan type).

Can start-ups apply for this scheme?

Yes, start-ups and first-time women entrepreneurs are eligible.

What documents are required?

Basic KYC, business proof, financial statements, and project report.

How can I apply for a Naari Shakti Loan?

You can apply online through the bank website or visit the nearest branch.

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