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Mahila Samuh Yojana Apply Online: Even in today’s digital era, village women are far behind, but there are some women among them, who want to move forward, that is, by becoming self-reliant and fulfilling their dreams, they will help the women of the country. They want to be an inspiration for women and hence they think about starting their own business, but the condition of most of the women in the village is not good and they feel lack of money.
So in such a situation, some women of any village want to become self-reliant and they lack money, then those women can form their own group and get loan under Mahila Group Loan Scheme, then today you will get information through this article. Will give information about how to take loan from Mahila Samuh Loan Scheme?
In general, let us inform you that to take loan under Mahila Samuh Loan Scheme, there should be a group of some women, then you can easily apply for the loan and get the loan at a low interest rate, so come. We give you complete information about its complete details and how to take loan from Mahila Group Loan Scheme.
What is Mahila Samuh Loan Scheme 2024?
A scheme made by the Government of India, under which a group of at least 10 women can get a loan of ₹ 50000 through a bank at a low interest rate i.e. 2% to start their business. , It is known as Mahila Group Loan Scheme.
Generally, in any case, there should be a group of at least 10 women to take a loan under the Women Group Loan Scheme and this group can get a loan of only ₹ 50,000. However, its interest rate will be very low at 2%, due to which women will not face any problem in repaying this loan.
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Important rules related to how to take loan from Mahila Samuh Loan Scheme:-
If you are thinking about getting a loan under Mahila Group Loan Scheme or want to take a loan, then some important information for taking loan under Mahila Group Loan Scheme is mentioned below, so you can Must read it.
- The women’s group are only women from the village under the loan scheme, who want to start their business, can get a loan.
- Only a group of 10 women will be given a loan under the women’s group loan scheme.
- The security of the women’s group will not have to be given to the women’s group, as it will be approved by the government.
- If any of the women’s groups are unable to repay the loan, then all the rest of the loan installment will have to be repaid by other women present in the group.
- All the women in the women’s group will have to go to the bank together to get a loan, that is, all women must have consent to get a loan.
- All women will have to gather the installment of the loan that women have received under the women’s group loan scheme.
Mahila Samuh Yojana Apply Online 2024: Important Points
How do you take a loan from this women’s group loan scheme? In the important information related to it, an attempt has been made to tell how much you can get a chance to avail under this women’s group loan scheme.
Loan Amount:- Under the women’s group loan scheme, women can avail more than ₹ 50000 loan amount.
Interest Rate:- Whatever loan you receive under this scheme, you will have to pay only 2% interest rate, which is the lowest.
Tenure (Time period):- You will get at least 6 months to repay the loan you receive under this women’s group loan scheme.
Processing Fees:- Under this loan scheme, no female group will have to give processing fees on receiving a loan. Yes, but there may be some normal charge through the bank, which will be informed you before taking a loan.
Approval Time:- After applying the loan under this scheme, your loan will be approved from 1 week to 10 days. Normally it depends on the bank how soon it can get you a loan.
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Mahila Samuh Yojana Features and Benefits
Mahila Samuh Yojana is the flagship scheme of the Ministry of Social Justice and Empowerment. Government of India has played an important role in changing the lives of hundreds of women across India, following are some of its benefits_
- Changes the socio-economic status of the beneficiary.
- Plays a role in the mainstreaming of poverty stricken families.
- Helps in creating employment opportunities.
- Promotes entrepreneurship among women.
- Makes women empowered and self-reliant.
- Minimum Document Required
- Increases self-confidence in women.
Mahila Samuh Yojana Apply Online: Eligibility
The loan amount available under Mahila Samuh Loan has been started to bring change in the lives of women living in rural areas. Mahila Group Loan Scheme 2022 has stringent eligibility criteria to ensure that the right people get the loan. The eligibility conditions are as follows_
- Self-help groups (SHGs) and women entrepreneurs from backward sections of the society are only eligible to avail the benefits of this loan scheme.
- The minimum age of the female beneficiary should be 18 years.
- To avail loan, the group should be active for at least 6 months.
- All the women who are associated with the group. They will have to deposit some amount every month.
- The beneficiary belongs to BPL category.
- Annual income of the beneficiary is Rs 3 lakh. Should be less than every year.
- There should not be any criminal record.
Mahila Samuh Yojana Apply Online: Documents Required
Some documents required to get a loan under the Mahila Group Loan Scheme are described below. Every woman in the group must have that document.
- Aadhaar card
- pan card
- passport size photo
- income certificate
- Ration card
- A group photo of women
- Consent letter of group of 10 women
- address proof certificate
- woman Every’s bank account or women’s group’s bank account
Mahila Samuh Yojana Apply Online Steps 2024
- First of all, all the women of the group have to go to their nearest bank and get their bank account or group bank account opened. Generally, all women should have a bank account in only one bank.
- After this, you have to present your loan proposal in front of an officer in the bank and for this the bank officer will ask for some documents from you and after verifying that document, he will approve to provide the loan.
- After this, you will be given a loan application form through the bank, in that form you have to enter all the asked details properly.
- When all the information is entered in the form, then the documents of all the women have to be added to the form and submitted to the bank manager. After this the process is completed by the bank.
- Generally, the bank manager will help you in getting the loan approved by submitting the form filled by you online and you will get this loan easily within 1 week.
