SBI Business Loan for Women

Are you a woman entrepreneur dreaming of launching or growing your business? State Bank of India (SBI) offers dedicated loan programs to support your aspirations, providing financial fuel for your journey.

For centuries, women have been driving economic growth and innovation and continue helping women achieve more, SBI’s business loans for women give an opportunity to move forward with their plans without worrying about financial constraints.

SBI Business Loans for Women Highlights

Women are driving business, but funding hurdles remain. Dedicated loan schemes like the Stand Up Scheme from SBI are breaking barriers with:

  • Tailored financing: Smaller loans, flexible plans, and lower interest rates.
  • Collateral-free access: Empowering women without property.
  • Holistic support: Mentorship, networking, and financial literacy.

SBI Business Loan Interest Rates & Highlights

SBI’ s Stand Up Scheme is a dedicated business loan scheme for women entrepreneurs, with distinct interest rates and benefits that help women achieve their financial dreams. Here's a quick overview:

Interest Rate Bank MCLR + 3% + Tenor Premium
Loan Amount Rs 10 lakhs to Rs 1 crore
Tenure Up to 7 years
Processing Fee 0.20% of loan amount + GST
Margin % Minimum mandatory margin is 10%.
Maximum margin money up to 25%.
Note: These rates are indicative and subject to change. Always check with the bank for the most up-to-date information before making any investment decisions.

What types of businesses or industries are eligible for SBI business loans for women?

SBI offers Stand up loans for women entrepreneurs, to cover a wide range of expenses for their businesses. This scheme can be used by businesses who are in greenfield projects in manufacturing, trading, and service sectors.

Eligibility Criteria for SBI Women’s Business Loan

SBI is committed to helping female entrepreneurship. They offer dedicated business loan schemes tailored to women's needs and aspirations. But these schemes also come with eligibility criteria to ensure a smooth journey. Let's explore some of the criterias:

  • Should be an Indian woman above 18 years of age.
  • A non individual enterprise should have 51% of the shareholding and controlling stake should be held by either SC/ST and or Women entrepreneur.
  • Should have a well-defined business plan for a greenfield enterprise. This means your business should be a new venture, not an existing one.
  • Belong to an eligible community: The scheme specifically targets women entrepreneurs from Scheduled Castes (SCs), Scheduled Tribes (STs), and Other Backward Classes (OBCs).

What are the key features of the SBI Business Loan designed for women-owned enterprises?

SBI offers Stand up loans for women entrepreneurs, to cover a wide range of expenses for their businesses. This scheme can be used by businesses who are in greenfield projects in manufacturing, trading, and service sectors.

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Documents Required for SBI Women Business Loans

Securing a business loan can feel like navigating a maze, especially when documents are involved. But fear not, aspiring female entrepreneurs! Equipping yourself with the right documents for an SBI Women's Business Loan can be a smooth sail with the right knowledge.

  • Identity Proof and Address Proof: Passport, Voter ID Card, Driving License, Aadhaar Card, PAN Card, Utility Bills (electricity, water)
  • Business Plan: A well-defined roadmap outlining your business vision, target market, financial projections, and funding requirements.
  • Financial Statements (if applicable): Proof of income and existing financial commitments and outstanding dues if any.
  • Property Documents:You may be required to submit collateral under certain schemes.

SBI Business Loan EMI Calculator for Women Entrepreneurs

A Business Loan EMI Calculator for Women Entrepreneurs is a useful tool for planning and managing finances. It helps estimate monthly loan repayments based on factors like loan amount, interest rate, and tenure.

Use the Buddy Loan Calculator to calculate your EMI:

Monthly EMI 86
Principal Amount 1,000
Total Interest 32
Total Amount 1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

​​SBI Business Loan For Women Features & Benefits

Stand Up India is a powerful initiative by the Government of India, providing a crucial boost to women entrepreneurs from diverse communities. Let's explore the unique features and benefits that make Stand Up India stand out:

Flexible Loan Amount

Get loans amount starting
at Rs 10 lakh

Dynamic Interest Rates

Competitive interest rates
starting at 8.40% p.a.

Great Repayment Tenure

Enjoy a tenure of Up to
7 years with a maximum
moratorium period of 18

Financial Assistance

Provides access to capital
for women entrepreneurs
starting a new business.


Exclusively caters to
women entrepreneurs.

Collateral Free

No collateral security
required for loans up to
210 lakh.

How to Apply for SBI Business Loan For Women

SBI's dedicated business loan schemes for women can unlock a world of entrepreneurial possibilities. But navigating the application process can feel daunting. Worry not, future business leaders! Here's your roadmap to a smooth and empowered application journey:

  1. Choose the Right Scheme: SBI offers various women-centric schemes with tailored features. Explore options like Stand-Up India (up to Rs. 1 crore) to find the best fit for your business needs and eligibility.
  2. Prepare Your Documents: Identity Proof and Address Proof: Passport, Voter ID, Driving License, Aadhaar Card, PAN Card, Utility Bills.
  3. Go Online or Visit Your Branch: SBI offers both online and offline application options. Choose the one that best suits your convenience.

Apply for a Business Loan now!

Frequently Asked Questions

SBI empowers women entrepreneurs with dedicated business loans offering lower rates, smaller amounts, and collateral-free options.

SBI's women's business loans offer lower rates, flexible terms, and even skip collateral requirements, paving the way for financial growth.

SBI's women's business loans embrace a diverse range of ventures, from micro enterprises to manufacturing, across various sectors.

Lower rates, flexible terms, smaller amounts, and collateral-free options empower women to flourish in micro ventures and diverse sectors.

Interest rates for SBI Women's Business Loans vary based on factors like amount, tenor, and credit score, but they guarantee the lowest rate offered by SBI for that category.

Apply online for a smooth experience or visit your local SBI branch to discuss eligibility, gather documents, and submit your application.

No, collateral might not be required for SBI Women's Business Loans, especially for smaller amounts, easing financial barriers for female entrepreneurs.

SBI Women's Business Loan schemes offer varying amounts, with Stree Shakti reaching Rs. 2 crore and others like Stand Up India reaching Rs. 1 crore, empowering diverse business needs.

Flexible repayment plans with tenures extending up to 8 years, tailored to suit the cash flow and growth phase of your woman-led business.

Beyond lower rates and flexibility, SBI offers mentorship, business development programs, and networking opportunities, nurturing their entrepreneurial journey beyond just finance.

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